A fast reference to Annex 13 revealed that there is an exclusion relating to "injuries" - not incidents - as part of its definition structure of Accident, which is built on defining when injuries (fatal or serious) occur to a person. In context, the exclusion also covers self-inflicted injuries or those caused to a stowaway, so not a general carve-out for a missile strike and similar events as a category.
That said, was the asserted exclusion applied to Pan Am 103?
And, is there some other exclusion with similar terms (not the one in Chapter 1, Definitions)?