The most common and most likely answer to this crossword clue is the 4 plus 3 plus 4 letter word WEAR AND TEAR
I've seen this crossword clue in The Times
W
E
A
R
A
N
D
T
E
A
R
More clues leading to the result WEAR AND TEAR
- Damage every article one puts on? You can’t insure against that
- River with drop showing signs of use
- Sport’s about money and drink, resulting in deterioration
- Gradual damage caused by Durham river trade, staggering article covered
- Use river with bit of salt water
- Deterioration in sport — consequently a drop
Buddy explains!
The straight part
We know that "You can’t insure against that" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case you can’t insure against that = wear and tear.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.