When considering a motor insurance policy, it's important to be aware of what is not covered.

Here is a summary of the general exclusions applicable to all sections of our policy:

1. Geographical Limitations: Any accidental loss or damage, or liability sustained outside the specified geographical area is not covered.
2. Contractual Liability: Claims arising from any contractual liability are excluded.
3. Usage and Driver Limitations:
   • Used in a manner not permitted by the policy.
   • Driven by someone not authorized under the policy's driver's clause.
4. Radiation and Nuclear Risks:
   • Loss, damage, or liability caused by ionizing radiation or contamination from nuclear fuel or waste.
   • Damage arising from nuclear weapons material.
5. War and Related Risks: Any loss, damage, or liability resulting from war, invasion, hostilities, civil war, rebellion, or military operations is excluded.
6. Consequential Loss: Loss or damage to property or any consequential loss resulting from the above exclusions is not covered.

Additionally, there is a Deductible clause, where the policyholder is responsible for a specified amount of each claim under the section covering loss or damage to the insured vehicle.

Understanding these exclusions helps ensure that you know the boundaries of your coverage and can make informed decisions about any additional protection you might need.