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
  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 
  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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