Exclusions for our Motor Vehicle Insurance Cover

Risks not covered in our Motor Insurance cover are:

  • Own death or injury
  • Damage to tyres unless the motor vehicle is also damaged
  • Consequential Loss/ Depreciation/ Wear and Tear
  • Loss outside the geographical area
  • Loss due to cheating
  • Influence of alcohol
  • Use of motor vehicle for unlawful purpose
  • Damage caused by overloading/strain

Exclusions for Motor Cycle Insurance

The risks not covered under our motor cycle insurance are:

  • Loss of personal effects
  • Personal accident cover
  • Use in connection with motor trade
  • Racing
  • Use for carriage of passengers for hire/reward
  • Consequential loss
  • Loss/Damage to accessories/ spare parts by theft unless motorcycle is also stolen
  • Damage to tyres
  • Depreciation Wear and Tear
  • Mechanical and electrical breakdowns
  • Loss of use