We’ve told you everything that we include in our car insurance policy, but we want you to have the confidence to know that there’s no “small print” and that we’ll pay out when it comes to the crunch.
Below are some examples of what is excluded under the policy. For full details, please consult the policy wording.
- Any accident, injury, loss or damage while any vehicle that is insured under this policy is being:
- used otherwise than for the purposes described under the “Description of use” section of your certificate of motor insurance.
- driven by, or is in the charge of any person for the purposes of being driven who;
- is not described under the section of your certificate of motor insurance headed “Permitted drivers”,
- does not have a valid and current licence to drive your car,
- is not complying with the terms and conditions of the licence,
- does not have the appropriate licence for the type of vehicle,
- We will not withdraw this cover,
- While your car is in the custody or control of;
- a member of the motor trade for the purposes of maintenance or repair, or
- an employee of a hotel or restaurant or car parking service.
- If the injury, loss or damage was caused as a result of the theft of your car.
- By reason of the person driving not having a driving licence, if you had no knowledge of such deficiency.
- While your car is in the custody or control of;
- Any liability you have accepted in an agreement which you would not have had if that agreement did not exist.
- Loss or damage of, or damage to, any property or associated loss or expense, or any subsequent loss, or
- Any legal liability that is directly or indirectly caused by, contributed to by or arising from:
- Ionising radiations or contamination by radioactivity from any irradiated nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
- The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
- Any consequence whatsoever which is the direct or indirect result of any of the following, or anything connected with any of the following, whether or not such consequence has been contributed to by any other cause or event:
- war, invasion, act of foreign enemy, hostilities or a warlike operation or operations ( whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising , military or usurped power
- any action taken in controlling, preventing, suppressing or in any way relating to (a) above except to the extent that it is necessary to meet the requirements of the Road Traffic Acts.
- Any accident, injury, loss or damage if your car is registered outside Great Britain, Northern Ireland, the Isle of Man or the Channel Islands.
