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Main Exclusions

For benefit section 1, 2 & 3


  • Suicide, self-inflicted injury, childbirth, miscarriage, dental treatment (except as necessitated by accidental injuries to sound and natural teeth), psychiatric and mental disorders, insanity, alcoholism or drug addiction, self-exposure to needless peril, venereal disease, AIDS or AIDS related complex.



  • Any pre-existing conditions or excluded illness.



  • Any professional sport, racing and competitions of any kind, skydiving, rock or mountain climbing normally involving the use of ropes or other equipment, hang gliding, or parachuting. 


For benefit section 4, 5, 6, 7, 8 & 9


  • Losses not reported to police within 24 hours, and/or to the carrier immediately as appropriate.



  • No proof is provided for relevant expenses/loss.



  • Normal wear and tear, breakage or damage to fragile article.


For benefit section 10


Liability arising out of the use of motorized vehicles, aircraft, water craft; willful, malicious or unlawful act; any cost resulting from criminal proceedings.


For benefit section 12


  • Driving whilst intoxicated or under the influence of drugs or narcotics.



  • Intentional loss or damage, use of the car rental in violation of the car rental agreement.



  • Liability or damage whether or not the Insured Person is responsible under the car rental agreement.

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