Non-insurance cases
 

In the case of damage to a work of art, which was insured, what cases are the non-insurance?

each insurance contract listed in detail all the possible cases of damage, and if your work of art has suffered for some other reason, then as it is sad, no you do not receive compensation. In principle, you can insure against all, the main thing is clearly in the contract to register.

Main risks - fire, theft, injury, damage during transportation and such are usually prescribed in all standard contracts, but better still checking))

In collaboration with the insurance companies recommend a very, very carefully read not only the contract, but also the rules of insurance. They each have their own insurer and depend on the type of insurance. These rules are an annex to the treaty. It is in the Rules of the insurance companies and numerous hidden traps, allowing, if necessary to avoid payment or substantially reduce its size. In the Rules includes information on what cases are the non-insurance. Disadvantage - the rules are usually print very small print. This complicates the perception, and the volume of information that you need to analyze the policyholder is large enough.

Everything will depend on whether any of the insurance risk you are going to insure the product. For each risk can be installed its exclusion as a result of the onset of which insurance claims may be denied.
However, at present, insurers may be able to insure the product against all risks under the formula "from nail to nail," or "wall to wall", but in these cases would have been various exceptions, such as normal wear and tear, act of terrorism , requisition or expropriation, etc.
But these exceptions are much more exotic in nature, rather than exclude such a risk, "Water" or "Fire".
However, such insurance and costs a little more expensive, and is used mainly for the exercise of the carriage works for further exposure outside the place of permanent storage, including packing /unpacking, handling, assembly /disassembly, etc.