General Exceptions which Apply to Sections A to J

We will not pay:

1. for any liability, loss, damage, cost or expenses which takes place while any car insured under this policy is:
   • being used for a purpose other than that shown in the description of use in the certificate;
   • driven by someone who:
     • does not have a valid driving licence; or
     • is breaking the conditions of their driving licence; or
     • is not specifically named in Section 5 of the certificate as being entitled to drive the car.

   However this exception does not apply:

   • to damage to the car, if the car is:
     • with a member of the motor trade who is not named in the certificate for the purpose of maintenance or repair;
     • being parked by an employee of a hotel, restaurant or car-parking service who is not named in the certificate;
     • stolen or taken away without your permission.
2. any costs as a result of an agreement or contract unless we would have had to pay the costs anyway;
3. for deliberate or intentional loss or damage caused by anyone insured under this policy;
4. any liability, loss, damage, cost or expense caused if the car:
   • is not registered in the UK with the DVLA unless your car is in the process of being registered with the DVLA;
   • is normally kept outside of England, Scotland or Wales;
   • is a caravan, motor-home, motorbike, classic car, wedding car, left hand drive car, limousine, commercial vehicle or kit car
   • is not legally owned by the policyholder or their spouse, partner, child or parent unless the car is provided under Section J (Replacement Car Option);
   • is imported from outside the UK (unless identical to a model sold by a manufacturer within the UK);
   • has been modified for performance or has been modified from the manufacturer's standard specification (excluding manufacturer's options fitted at time of original purchase);
   • has Diplomatic or "Q" plates;
   • has been previously written off or scrapped (including where the vehicle log book identifies that the car has been previously damaged or repaired);
5. any liability, loss, damage, cost or expense caused by modifications (including any change to the fuel system) to the car other than those supplied and fitted by the manufacturer or their approved garage at the time of original registration;
6. any loss or damage to property or any direct or indirect loss, cost, expense or liability caused or contributed to by or arising from:
   • ionising radiation or contamination by radioactivity from irradiated nuclear fuel or nuclear waste or from burning nuclear fuel;
   • the radioactive, toxic, explosive or other dangerous properties of any nuclear equipment or its nuclear parts.
7. any liability, loss, damage, cost or expense caused by riot, strike or civil commotion outside of England, Scotland, Wales, Isle of Man or Channel Islands;
8. any liability, loss, damage, cost or expense insured by any other policy;
9. any liability, loss, damage, cost or expense caused by, resulting from or in connection with or in controlling or suppressing:
   • war, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not);
   • civil war, military rising, insurrections, rebellion, revolution, uprising, military or usurped power, martial law or connected looting or pillaging; confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public authority or any act or condition incident to any of the above;
   except to the extent that we are required to provide cover under the Road Traffic Act;
10. any liability, loss, damage, cost or expense while any car is being used on any part of an airport;
    • to which aircraft have access including areas used for take off, landing, moving or parking of aircraft;
    • used for ground equipment parking areas and service roads;
    • used for customs examination;
11. any liability, loss, damage, cost or expense if you use your car at any event during which your car may be driven:
    • on a motor racing track, airfield, Nuremberg Ring, de-restricted toll road or at an off road event such as an off road 4x4 event or whilst green laning;
    • for commercial travelling, racing, rallies, pace making, motor sport, hill climbing, speed trials, reliability trails, other trials and/ or endurance tests;
12. any liability, loss, damage, cost or expense if you carry more than eight passengers in your car excluding the named driver, or exceed the maximum seating capacity of the car if less;
13. any liability, loss, damage, cost or expense arising from use of a self-drive hire vehicle unless provided as an occasional replacement courtesy car whilst the insured car is being repaired and this change to your insurance is agreed by us in writing;
14. any liability, loss, damage, cost or expense if the car is used for hire, reward, trade delivery or for carrying of passengers for profit;
15. more than our legal liability under the Road Traffic Act for any claim, if the named driver of the car insured by us was found to have been driving whilst under the influence of drink or drugs at the time of the accident;
16. more than our legal liability under the Road Traffic Act for any claim, if your car was towing a load over the legal limit at the time of the accident;
17. any liability, loss, damage, cost or expense caused by pressure waves from an aircraft or other flying object travelling at or beyond the speed of sound;
18. any liability, loss, damage, cost or expense caused by:
    • anyone employed by the emergency services (or military forces, law enforcement or other related fields) and named in the certificate in the course of responding to an emergency service call;
    • a vehicle designed or modified for use in connection with emergency services (or military forces, law enforcement or other related fields) other than a claim under Accidental Section A (Damage to Your Car) when the vehicle is owned and is operated by someone not insured by this policy.
19. loss or damage to any trailer or its contents whilst being towed by the car;
20. any liability, loss, damage, cost or expense in relation to goods transported in a vehicle insured under this policy in connection with any trade or business;
21. any liability, loss, damage, cost or expense due to confiscation, impounding requisition or destruction by any government, public or local authority;
22. any liability, loss, damage, cost or expense caused by earthquakes and the results of earthquakes;
23. any liability, loss, damage, cost or expense caused by or related to the transportation of hazardous goods, explosives, ammunition, radioactive substances, chemicals, bio-chemicals, toxic substances, infectious substances, flammable substances, corrosive substances, combustible substances, gases or fuel (apart from fuel held in tanks made by the manufacturer of the car which is used to power the car) whether in solid, liquid, compressed or gaseous forms;
24. any liability, loss, damage, cost or expense arising which directly or indirectly relates to terrorism, except as is strictly required under the Road Traffic Acts; terrorism being defined as any act or the use or threat of force (whether or not in the territorial limits) including but not limited to:
    • threat of and/ or actual endangerment of the life of a person(s);
    • threat of and/ or actual serious violence against person(s);
    • involving the threat of and/ or actual damage to any form of property;
    • creating a serious risk to the health and safety of the public;
    • involving the use of firearms, explosives, biological, chemical, nuclear or other means;
    which is committed by any person(s) for political, religious or ideological purposes to influence any government or to coerce or to put any member of the public in fear;
25. any liability, loss, damage, cost or expense caused by pollution or contamination, unless the pollution or contamination is caused by a sudden, identifiable, unexpected and accidental incident which happens during the period of insurance;
26. any liability, loss, damage, cost or expense caused if the policyholder or named driver is not normally resident in England, Scotland or Wales for nine months of the year;
27. any liability, loss, damage, cost or expense caused by a named driver who has had insurance cancelled, declined, voided or special terms imposed;
28. any liability, loss, damage, cost or expense caused by a named driver with any previous criminal conviction(s) (excepting motoring offences that have been declared to us) that are unspent under the Rehabilitation of Offenders Act;
29. any liability, loss, damage, cost or expense caused by a named driver who is banned from driving by one or more countries within the European Union;
30. any liability, loss, damage, cost or expense caused by a named driver working part time or full time in:
    • entertainment (except as a musician), gambling, modelling, professional sports, foreign service, diplomatic service, scrap, second-hand dealing, fast food delivery, market trade or street trade;
    or as a:
    • bailiff, debt collector, bodyguard, doorman, mobile mechanic, taxi driver, mini-cab driver, delivery driver, courier, despatch driver or mobile caterer.
31. any liability, loss, damage, cost or expense caused by a named driver with a motoring conviction endorsement that has remained or will remain, on their driving licence for more than five years (unless such a conviction is spent under the Rehabilitation of Offenders Act). Examples of such convictions may include careless driving and driving under the influence of drink or drugs such as: DR10; DR20; DR30; DR80; CD40; CD50; CD60; CD70; IN10;
32. unless the person driving holds a licence to drive your car or has held and is not disqualified from holding or obtaining such a licence (unless your car is stolen and the damage or injury occurred in the course of the theft);
33. for any costs involved in contacting us regarding your claim (including telephone calls);
34. for costs resulting out of your criminal or illegal act, in circumstances where the convicted offence is one where the court has the power to impose a sentence of imprisonment;
35. for any liability, loss, damage, cost or expenses caused by a pet.

Back