Insurer will NOT pay for any liability under the
following circumstances
1. The driver of your vehicle does not have a valid driving
license or obtaining a license to drive your vehicle under any required laws,
by laws and regulations
2. The driver who drives your vehicle is under the influence of drink or
drug to such an extent as to be incapable of having control of your
vehicle
3. a) Any loss damage or liability caused by your vehicle being used for
an unlawful purpose or being used otherwise than in accordance
with the Limitations as to use by you or some
other person with your consent
b) Any accident loss damage or liability caused, sustained
or incurred whilst Your Vehicle, in respect of which indemnity is provided by
this policy , is being driven by any person other
than an Authorised Driver or a person driving on your order or with your permission
4. If any loss, damage or liability is caused by invasion, war (whether war
be declared or not), warlike operation, acts of foreign enemies,
hostilities, civil war, acts of terrorism, strike, riot and
civil commotion, mutiny, rebellion, revolution, insurrection, military or usurped
power
or by any direct and or indirect consequences of any said
occurrences
5. If any loss, damage or liability is directly or indirectly caused
by or arising from flood, typhoon, hurricane, storm, tempest, volcanic
eruption, earthquake, landslide, subsidence or sinking of the
soil/earth or other convulsion of nature is involved
6. If your vehicle is used for or is being tested in preparation for any
motor sport or competition (other than treasure hunts). This includes
(but not limited to) reliability trials, hill climbing tests
and rallies
7. If in the event of accident any accident or breakdown, your vehicle is
left unattended without proper precautions being taken to prevent
further loss or damage and if your vehicle is driven in an
unroadworthy condition before the necessary repairs are effected, any
extension of the damage or any further damage to your vehicle
shall be excluded from the cover granted by this policy
8. For any accident loss damage or liability caused sustained or incurred
outside of Malaysia, the Republic of Singapore and Negara Brunei
Darussalam
9. If any liability attached by virtue of an agreement but for which Insurer
would not have been liable in the absence of such agreement
10. a) Any accident loss or damage to any property whatsoever or any loss
or expense whatsoever resulting or arising therefrom or any
consequential loss
b) Any liability or whatsoever nature directly or indirectly
caused by or contributed to by or arising from ionising radiations or
contamination by radioactivity from any
nuclear fuel or from any nuclear fuel. For the purpose of this exception combustion
shall
include any self sustaining process
of nuclear fusion
11. Any accident loss damage or liability directly or indirectly caused by
or contributed by or arising from nuclear weapons material
NOTE : The above is only an explanation of the exclusions
and not an Insurance Policy. The actual Policy will be provided by the Insurer.
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