Insurance Policy for Damage during Nuclear War

aleph1 on 01/05/2022 - 10:10

Aami states the following in their car insurance policy disclosure statement:

You are not covered under any section of this policy for damage, loss, cost or legal liability that is caused by or arises from or involves:

  • Radioactivity/nuclear materials:

  • action of nuclear fission including detonation of any nuclear device or nuclear weapon;

Why do they bother to delineate on the fission/fusion point?

Given that Russia's arsenal seems to consist largely of Fusion (Hydrogen) bombs, do you think I'll be OK?

I'm guess no, as they'd just state that it's an act of war, and therefore all bets are off anyway as far as they are concerned.

Automotive Car Insurance Insurance

Comments

    • serpserpserp on 05/05/2022 - 10:21

      No if it is specifically written in.

  • Herbse on 03/05/2022 - 09:09
    +5

    Imagine calling your insurance company after a nuclear bomb and filing a claim.

    • pandadude on 03/05/2022 - 13:23

      There going to start selling nuclear insurance but excludes wars.

  • Herbse on 03/05/2022 - 09:30

    Don't worry. In a few years anyone who lives a few km from the beach will be uninsurable anyway

  • Drakesy on 03/05/2022 - 10:54

    If we have nuclear war your car insurance will be the least of your worries.

    • plmko on 03/05/2022 - 20:31

      Yes free energy for all.

  • idonotknowwhy on 03/05/2022 - 13:05

    If my car gets nuked at the airport car park while I'm safely overseas, I'd want it covered.

  • No ONE on 03/05/2022 - 13:42
    +1

    Op:

    You are not covered ….Insurance Policy for Damage during Nuclear War

    Priorities!
    you better hope, you are:

    1- alive when that happens
    2- the insurance company is not already bankrupt

  • MrKnowItAll on 03/05/2022 - 14:41
    +3

    I hope my insurance company doesn't have these same exclusions.
    Understanding that a bomb would likely never hit an area like Gosnells, WA (why would you? it's filled with meth labs and guys wielding flamethrowers - hardly a good target) I couldn't imagine leaving the family without a car to get around in once the radiation calms down in 1,000+ years and they can go outside again.. the thought of that literally rattles me to my core.

    Thankyou for bringing this to our attention, I'll look for insurance companies that offer such a service.

    • try2bhelpful on 03/05/2022 - 15:55
      +1

      Thank-you. Was a great laugh.

  • MessyG on 03/05/2022 - 19:30

    This is great.

  • typhoonadventure on 03/05/2022 - 19:37
    +1

    So going to throw out the tafe clause.

    It got it's name in SA because you'd always see signs up at tafe at regency / tea tree gully tafe before the libs sacked it that would leave your head scratching.

    The signs would denote outlawing or recomending you not do various things that you were sure had to be joke and low and behold it turned out that where was some whacky or tragic story behind why the signs were put up and most of the time it was to cover their asses legally.

    One of said signs was telling people not to use a toilet by standing on it…. another was about not using a skateboard on the stairs, another was about operating on 240v powered circuitry, another about throwing babies.

    Well… some crazy woman apparantly tried to throw a small child to another person at the childcare center, a guy in electrotech stuck a screwdriver into a live 240v circuit and nearly died, a guy tried to skateboard down the stairs at tea tree gully to the south carpark, and the multiple, multiple don't stand on the toilet seat signs as we've been told by the poor guards who had to provide first aid and rescue people who have injured themselves using the toilets by standing up on them.

    Like no joke, even with the signs to this day I still know guards who are on duty and get injury callouts and report writeups, investigations etc where someone has become injured from standing on a toilet seat.

    So why would I reference these? It's entirely possible these were put in as a joke but in my entire career in the security, investigations and compliance sector i've seen cases where items you'd never think of having things you'd never think of happening to them, i'm talking to a point you have a hazmat crew come out and even they're like dude wtf.

    A lot of these companies have to also think of worst case scenarios, but even local idiot stories we've had items that have had biohazard / radioactive material exposure such as junkies stealing cars and raiding places for narcotics where a car has been found dumped and we've called it in and in the vehicle is littered with things that give you willies and next thing you know you've got hazmat being called in to make sure anyone can even come near the thing (once had a dude rob a bensons thinking they'd have drugs there and stole a ton of medical gear that all turned out to have radioactive components so the police got hazmat out to help not only safety it but workout whateven to do from there).

    I can honestly see this stemming from that time the junkie robbed the radiology lab and made his get away in a stolen government toyota corolla before dumping it in a carpark.

    • Carmen Sandiego on 04/05/2022 - 08:02
      +1

      100% the case in Insurance - it doesn't exists until some "person" got into the scenario and they had to write something up about it

      • typhoonadventure on 04/05/2022 - 17:20
        +1

        I bought this up at work today and it got bought up that back when chubb existed and were doing military security (I dont know how long ago this was i'd imagine ages ago) they were doing base security at many military sites including the woomera prohibited zone.

        Long story short througha chaotic series of events and either vehicles got taken and left in an area they shouldn't have been or items were collected from an area that shouldn't have been and long story short, when it was discovered, they had to go into full decontamination and the vehicles were pretty much written off.

        • Carmen Sandiego on 05/05/2022 - 08:45

          That would do it!

          Insurance inclusions and exclusions, as well as some city laws, are honestly one of the funniest things to read because something like that has had to have happened for them to demand to include it.

          Glad you found out the scenario for this! Thank you for sharing :)

          • typhoonadventure on 05/05/2022 - 09:55
            +1

            @Carmen Sandiego: It's left field but i'm already aware of a home and contents provider who now have a clause for deliberate biohazard incidents (yes most of you likely know about this one now).

            And that all happened because of the rise of Poo Joggers…

  • Cluster on 03/05/2022 - 20:15

    Terrorism / nuclear accidents/war are usual exclusions on all insurance policies.

    Fusion weapons (hydrogen bomb) require a fission source to start the chain reaction, so fission covers them all.

  • RiseAndRuin on 03/05/2022 - 21:37
    +4

    You don't need your insurance to cover that kind of damage, just contact the local Russian embassy/consulate and confirm they have a valid 3rd party insurance.

    • typhoonadventure on 05/05/2022 - 09:56

      Yeah but they didn't do it, you did it by being on their land!

  • naturaldecay on 03/05/2022 - 22:09

    Unfortunately my namesake is relevant…

    A "small" nuclear war of 10 large warheads is enough to cause a nuclear winter. This means worldwide crop failures, changes in ocean chemistry, toxic particulates raining down etc. No one will win, and even if Australia itself is not targeted, we are not immune to the effects.

    • MrKnowItAll on 04/05/2022 - 16:42
      +1

      This is actually quite terrifying to read - fortunately it hasn't come to this, but when people have the means to do this.. all it takes is one party to actually do it and the rest will follow in retaliation so it's a realistic thought. Here's hoping nothing like this happens.

  • bdl on 03/05/2022 - 23:45
    +2

    Not great, not terrible

  • MrBillions on 04/05/2022 - 07:54

    I just bought six months of supply of iodine tablets

  • CharityCase on 04/05/2022 - 08:20
    +1

    Peter Dutton warned us to get prepared for war, that includes nuclear war I guess, better start checking my car insurance now…

    • Bigsta on 04/05/2022 - 20:07
      +1

      Yeah i thought that was the war Dutton was going to declare on Australia though

  • MrBillions on 04/05/2022 - 13:41

    the car i ordered is 12 months away so i'm good

  • Domicron on 04/05/2022 - 19:56

    https://www.ozbargain.com.au/node/698064

    The clause will likely exclude damage like this, as a result of being nuked
    .

  • Bigsta on 04/05/2022 - 20:06

    yeah gotta be careful, i once got rear ended by a russian agent on his way to kill someone with polonium-210, because the car was iradiated by him spilling it all over my car as he was ejected through the front window of his Lada Samara splatting on my roof and parts of him on my bonnet and in my radiator fans.

    AAMI denied the claim saying it came under their act of Putin exclusions, im waiting to hear back from his Insurance which is through VTRIF or (Very Trustworthy Russian Insurance Friend).

  • kmanccr on 04/05/2022 - 21:11

    Actually a hydrogen bomb primarily relies on fission, sorry but I don't think you will be able to claim following a nuclear detonation from Russia.

  • Empharand on 04/05/2022 - 22:41

    Pretty sure if there's a nuclear war there's a good chance you won't be alive to make a claim, or if you're alive then making a claim would be the least of your concerns. Lets not forget that in the event of a nuclear war our country would be in disarray and it's doubtful that there will be Customer Service representatives at AAMI that would be ready to take your call.

  • dufflover on 04/05/2022 - 23:50

    I'm guess no, as they'd just state that it's an act of war

    Then corner them by reminding them we keep getting told it's a "Special Military Operation" :P

  • Typical16-bitEnjoyer on 05/05/2022 - 09:45

    Just do what all the bogans did in northern NSW. Pushing their damaged/blown engine/worthless cars into floodwater and claiming it on insurance. If you survive the initial nukes just find a lake and push it in.

    Otherwise just make sure you get the rego and captain's name of the nuclear sub that nuked you. Otherwise you'll have to pay the excess :D

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