What are the main policy exclusions?

  • Vehicles used without the required comprehensive vehicle insurance or for any purpose not listed in the accepted uses.
  • Any loss exceeding the maximum limit (chosen by you and stated in the policy schedule).
  • Does not pay anything already covered by another insurance.
  • Does not cover claims caused by intentional actions, crime, or driving under the influence of alcohol or drugs.
  • Does not pay any excess insurance.
  • Does not cover if you refuse your insurer’s offer to fix or replace your vehicle.
  • Any VAT charges if you’re a VAT-registered business.
  • Loss of use of your vehicle or any other indirect consequences of the total loss.
  • Costs associated with a new vehicle, like delivery fees, fuel, registration, taxes, plates or warranties.
  • Any loss caused by or related to:
    • Problems with computers or networks (e.g. hacking, viruses);
    • Inability to use your computer, network, or data;
      Unauthorised access to, processing, or storage of your data;
    • Your inability to access or use your data;
    • Threats or hoaxes related to the above points; or
    • Accidents or mistakes involving computers, networks, or data.