I’m renewing my wheelchair insurance. This is the text – and the whole text – under the “policy exclusions” heading:

This policy does not cover any claim directly or indirectly caused by, contributed to, or arising from

a) war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or terrorism.

b) ionising radiations from, or contamination by, radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

c) the radioactive, toxic or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or its nuclear components.

d) any weapon of war employing atomic or nuclear fission, fusion or other like reaction, radioactive force or matter.

I’m beginning to worry that they know something I don’t. Perhaps I should switch to paying monthly rather than a year upfront.