Why is The peril of war is excluded?

The peril of war is excluded from many insurance policies because it is considered an uninsurable risk due to its unpredictable and catastrophic nature. Insurers typically cannot accurately assess or price the potential losses associated with war, including widespread destruction and loss of life. Additionally, including war-related risks would lead to prohibitively high premiums and could destabilize the insurance market. By excluding this peril, insurers can maintain more stable operations and focus on risks that can be more easily managed and quantified.