WHAT IS NOT COVERED

The insurance company shall not be liable for claims directly or indirectly occasioned by happening or in consequence of:

1. Liability of any nature to any third party.

2. Persons who have not paid in full the appropriate or additional premium.

3. Willfully, self -inflicted injury or illness, alcoholism or the use of alcohol or drugs (other than drugs taken in accordance with treatment prescribed and directed by a registered medical practitioner, but not for the treatment of drug addition) self exposure or needless peril (except in an attempt to save human life).

4. Loss or destruction of or damage to any property whatsoever, or any liability, loss or exposure whatsoever resulting or arising therefrom or any consequential loss directly or indirectly caused by or contributed to by or arising from
(a) ionizing radiation or contamination by radioactivity from any nuclear fuel or any waste and the combustion of nuclear fuel
or
(b) the radioactive toxic explosive or other explosive or other hazardous properties or any explosive nuclear assembly or nuclear component thereof.

5. Loss or damage directly or indirectly occasioned by happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), terrorism civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalism or requisition or destruction of or damage to property by or under the order of any government or public or local authority.

6. Losses in respect of any property or expenses more specifically insured or any claim which but for the existence of this insurance should be recoverable under any other insurance.

7. Claims or incidents, which may give rise to a claim not notified direct in writing to the Claims Office within 31 days of the expiry of the insurance.

8. Any fraudulent, dishonest or criminal act committed by the insured person (s) or with whom he/she is in collision, or Insurance effected in circumstances where a claim might reasonably be anticipated.

9. Operation of the vehicle in violation of the terms of the rental agreement

10. Expenses assumed, waived or paid by the Rental Agency or its Insurers

11. Automobiles or other vehicles which are not Rental vehicles

12. Wear and tear, gradual deterioration, insect or vermin, inherent vice or damage.

13. Transporting contraband or illegal trade.

14. Driving by any person who is not named on the Rental Agreement or named on the application form for insurance cover.

15. The rental of "High performance " vehicles, namely Aston Martin, Ferrari, Porsche, McLaren, Lamborghini, and equivalent, plus vehicle which are over 20 years old or which have not been manufactured for 10 years or more. The onus is on the rentor (prior to the rental) to check with Specially Claims Services that the vehicle falls within the underwriting criteria.

16. The rental of certain vehicles and recreational vehicles. The Rental of certain vehicles namely trailers or caravans, trucks, motorcycles, mopeds, motorbikes, off road vehicles and recreational vehicles.

17. Expenses reimbursed by the Insured Person(s) Employers' Insurer.