Typical exclusions under marine cargo policies include:

• Ordinary leakage, normal loss in weight, normal wear and tear
• Loss due to poor or insufficient packing
• Delay (without physical damage to the goods)
• Inherent defect or nature of the goods (e.g. self-heating chemicals)
• Wilful misconduct of the insured
• War, strikes, riots and terrorism (unless separately covered) 

We explain all exclusions clearly at the proposal stage so there are no surprises at claim time.