The car insurance information contained within these pages is based on information supplied by The Claims Guru, a site packed with useful information about the inner workings of insurance companies and their products.
Policy Clauses - General Exclusions
There must always be exclusions in an insurance policy. No policy can cover every possible event that might arise so insurers put exclusions into a policy to limit their exposure to the risks being run so that they can measure and quantify the risks they are accepting.
The exclusions at the end of the policy will apply to all sections of the policy. Again, the order and wording will vary from one policy to another.
"I saw a slow moving, sad faced old gentleman as he bounced off the roof of my car."
Extracts taken from actual claim forms submitted to
a number of UK car insurance companies
The following list is typical of the exclusions you might find in your policy.
The first one excludes any driver not covered by the policy. This is a 'belt and braces' job. Your certificate of insurance and your schedule tell you who can drive the car. This exclusions tells you that no one else can drive the car and your claim will not be met except: when the car is stolen being used by a motor trader or where you did not know the driver was not licensed to drive a car
The next batch of exclusions are standard to all property types of policy. These are the nuclear or radioactivity exclusion; the war risks exclusion and so on. Such risks are the responsibility of government and not the insurance industry.
Finally there is a geographical exclusion to ensure you only use your car in those parts of the world your insurers are prepared to cover you.
