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Car Insurance - What your car insurance policy does not insure

Your car insurance policy generally does not insure:

1) Loss, damage, destruction, injury or liability:

1.1) arising while the car is being driven by any person not covered by your Certificate of Motor Insurance and/or who does not hold or comply with the conditions of a valid licence to drive such a vehicle in the country and at the time of the incident other than any holder of a foreign driver's licence who is specifically named as a permitted driver on this policy

1.2) deliberately caused by any person entitled to indemnity under this policy or any person acting on their behalf

1.3) arising from any incident occurring in any period in which any premium or any installment in payment of any premium is unpaid and overdue

1.4) caused by the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component or of any nuclear fuel or any nuclear waste

1.5) caused directly or indirectly by war, invasion or act of enemy hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power other than to meet the requirements of the Road traffic Acts or Orders

1.6) resulting from confiscation, nationalisation, requisition or destruction of or damage to property by or under the order of any government or public or legal authority

1.7) caused by riot, civil commotion or any act of terrorism occurring elsewhere than in England, Scotland, Wales, the Isle of Man or the Channel Islands

2) liability arising from any agreement or contract unless that liability would have existed otherwise

3) consequential loss other than which may arise under Liability to Third Parties

 


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