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Significant and unusual exclusions

or limitations of the policy

continued

The table below shows exclusions that are contained in your policy.

Policy Section Page
Information of
can be found in Significant Exclusions or Limitations Policy

Exceptions to Loss or damage as a result of deception, fraud, trick or false 20
Section 1.13 pretence, or by use of a counterfeit or other form of payment,
a bank or building society will not accept
Exceptions to Loss or damage to any motorcycle, quadbike or trike 20
Section 1.18
Exceptions to Loss or damage to the vehicle if the keys have been left in the 19
Section 1.10 vehicle or the windows and doors have not been closed and
locked

Exceptions to Loss or damage to the vehicle following theft or attempted 20
Section 1.13 theft by a purported buyer
Definitions Any accident, injury, loss, damage or liability whilst the following 7
Insured Vehicle vehicles are being used other than for motor trade purposes:
• Commercial vehicles over 3.5 tons GVW
• Caravanettes, motor homes, motorcycles, quad bikes,
three-wheeled vehicles or kit vehicles
• Vehicles manufactured in the USA or Canada unless
specifically manufactured for sale in the UK
• Vehicles with more than 7 passenger seats
• Vehicles manufactured before 1 January 1980
• Vehicles modified from the manufacturer‘s original
specification in order to improve performance
• Vehicles with a fibreglass bodyshell

Exceptions applicable Vehicles driven by or in the custody or control of any person 16
to all Sections not declared on the Certificate of Motor Insurance

Conditions applicable Failure to declare vehicles owned by you will prejudice your 14
to all Sections claim. We may at our option reduce cover to Third Party Only,
which means the damage to your vehicle will not be covered

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