Are there any exclusions or limitations in the insurance policy coverage?

Yes, the insurance policy offered by RBS Insurance does have exclusions and limitations. While specific details can be found in the policy documentation, a few common exclusions and limitations include pre-existing medical conditions, intentional self-harm or illegal activities, acts of war or terrorism, natural disasters such as floods or earthquakes, wear and tear, as well as any losses caused by an insured person's negligence or failure to take reasonable precautions. Moreover, certain high-risk activities such as extreme sports may not be covered unless specified in the policy. It is important for individuals considering the insurance policy to thoroughly review the terms and conditions and consult with an RBS Insurance representative to understand the full extent of the exclusions and limitations.