What’s Not Covered

Any loss or damage to the vehicle and/ or its accessories will not be covered if caused by the following:

• Normal wear, tear and general ageing of vehicle.
• Consequential loss and depreciation.
• Mechanical and electrical breakdown.
• Vehicle being used otherwise than in accordance with limitation as to use.
• Damage to/ by a person driving the vehicle without a valid license.
• Damage to/ by a person driving the vehicle under the influence of drugs or liquor.
• Loss or damage due to war, mutiny or nuclear risks.
• Vehicle being driven by or is for the purpose of being driven by or in the charge of any person other than a driver as stated in the driver’s clause.
• A claim arising out of contractual liability.
• Death arising out of and in course of employment of a person in the employment of the insured or in the employment of any other person who is indemnified under this policy or bodily injury sustained by such person arising out of and in course of such employment.
• Death of bodily injury to any person (other than a passenger carried by reason of or in pursuance of a contract of employment) being carried in or upon or entering or mounting or alighting from the motor vehicle at the time of occurrence of the event out of which any claim arises.

What’s Not Covered

Any loss or damage to the vehicle and/ or its accessories will not be covered if caused by the following:

• Normal wear, tear and general ageing of vehicle.
• Consequential loss and depreciation.
• Mechanical and electrical breakdown.
• Vehicle being used otherwise than in accordance with limitation as to use.
• Damage to/ by a person driving the vehicle without a valid license.
• Damage to/ by a person driving the vehicle under the influence of drugs or liquor.
• Loss or damage due to war, mutiny or nuclear risks.
• Vehicle being driven by or is for the purpose of being driven by or in the charge of any person other than a driver as stated in the driver’s clause.
• A claim arising out of contractual liability.

What’s Not Covered

• Vehicle being used otherwise than in accordance with limitation as to use.
• Vehicle being driven by or is for the purpose of being driven by or in the charge of any person other than a driver as stated in the driver’s clause.
• A claim arising out of contractual liability.
• Death arising out of and in course of employment of a person in the employment of the insured or in the employment of any other person who is indemnified under this policy or bodily injury sustained by such person arising out of and in course of such employment.
• Death of bodily injury to any person (other than a passenger carried by reason of or in pursuance of a contract of employment) being carried in or upon or entering or mounting or alighting from the motor vehicle at the time of occurrence of the event out of which any claim arises.
• Any claim contributed to/ by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations (whether before or after declaration of war) civil war, mutiny rebellion, military or usurped power.
• Any claim contributed to/ by or traceable to or arising out of or in connection with nuclear weapons material.