What do you think of the phrase 'Act of God' that insurers in many countries use to deny claims in times of natural disasters?

Is the phrase actually used in insurance policies these days?

Just a way of avoidiing payout. Tongue in cheek at best.

Makes insurances pointless.

I wouldn't want to be God's defense attorney!

@Bertie

Ha!!

Just a necessary term for events that can't reasonably be priced into your premiums. Generally even if it occurs the government has the ability to compensate then levy tax if need be.