General exclusions that apply to all parts of this policy

We will not assist or reimburse you or beneficiaries in the event of a call for assistance or claim caused by, arising from or in connection with, the following:

1. We will not pay for any loss, theft, damage, death, bodily injury, cost or expense that is not directly associated with the incident that caused you to claim, unless expressly stated in this policy.
2. Ionising radiation or radioactive contamination from any nuclear fuel or the nuclear waste arising from burning nuclear fuel.
3. Radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or nuclear part of that equipment.
4. War, invasion, acts of foreign enemies, terrorism, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion.
5. Pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
6. Any costs covered under any other assistance, guarantee, insurance or cover.
7. Accident or injury either through voluntary non-observance of the laws of the land in which the beneficiary is travelling or the practice of activities not authorised by the local authorities.
8. The cost of replacement parts.
9. Damage or injury intentionally caused by you or a beneficiary or resulting from participation in a criminal act or offence.
10. The beneficiary/beneficiaries or any other third party organising any of the services detailed in this policy without first having authorisation from us and a file number.
11. Any costs that would have been payable normally by you or the beneficiaries, such as but not limited to fuel, congestion or toll charges.
12. Charges for specialist recovery or charges incurred by us where the vehicle is not being used on a public highway when the breakdown/immobilisation occurred where the vehicle was not accessible using our standard recovery equipment.
13. Breakdown/immobilisation which happens outside the area of cover.
14. Faulty repairs, incorrect servicing or failure to have the vehicle serviced in accordance with the manufacturer’s specification.
15. Any costs incurred after the vehicle has been repaired and is available to be driven.
16. Any sundry expenses such as but not limited to telephone or mobile phone calls, faxes, food and drink.

Please also refer to the general conditions applying to all sections.