Your Car Insuance Guide
21
General exceptions
We will not pay for any loss, damage or liability directly or indirectly caused or contributed to by:
1. Your vehicle being:
a. used by a person or for any purpose not shown on your current Certificate of Motor Insurance
b. driven by anyone who does not hold a valid driving licence or who is breaking the conditions of their licence
c. taken or driven without your consent by someone who normally lives with you as part of your household
d. used for criminal purposes (including avoiding lawful apprehension)
e. used for a deliberate or reckless act with the intention of:
i. self-harm or suicide
ii. causing damage or fear of damage to other vehicles or property
iii. causing injury or fear of injury to any person.
f. used on the Nürburgring Nordschleife or any racetrack, circuit or prepared course
g. used for any formal or informal race, whether prearranged or not
h. used to participate in any test, competition or organised motoring event
i. rented out or used for a peer to peer hire scheme
j. used while carrying passengers in an unsafe, insecure or illegal manner, including but not limited to, carrying them
in the cargo area of your vehicle
k. used to carry a load in an unsafe, insecure or illegal condition or manner or where any of your vehicle’s weight
limitations have been exceeded
l. used if you have opted to not have your ADAS (Advanced Driver Assistant System) recalibrated when it has
previously been required or recommended.
2. An agreement you have made under another contract
3. Loss of use of your vehicle
4. Radiation, radioactive contamination or other dangerous properties of any nuclear device, component or material
5. Terrorism, war, civil war, warlike operations (whether or not war is declared), invasion, act of foreign enemy,
hostilities, mutiny, military uprising, insurrection, rebellion, revolution, riot, civil commotion (assuming its
proportions amount to a popular rising), military or usurped power, nationalisation or any act of any person or
group whether acting alone or in connection with a government or organisation which was committed for a
political, religious, ideological or similar purpose with the intention influencing an economy, government, country
or state or to put the public in fear
6. The use of your vehicle principally used for the carriage, transportation or delivery of hazardous goods
7. Using your vehicle in a hazardous location
8. Use of your vehicle as a public emergency service, military or law enforcement vehicles
9. A load seeping or spilling in or from your vehicle that causes pollution or contamination.
10. A cyber act affecting your vehicle
11. Loss of, corruption, or access to data due to a cyber incident or cyber act