section_path: Principles/Exclusions
section_name: Exclusions
paragraph_text: Exclusions
  
  Policies typically include a number of exclusions, for example:
  
  Insurers may prohibit certain activities which are considered dangerous and therefore excluded from coverage. One system for classifying activities according to whether they are authorised by insurers refers to "green light" approved activities and events, "yellow light" activities and events which require insurer consultation and/or waivers of liability, and "red light" activities and events which are prohibited and outside the scope of insurance cover.