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.
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.
"I saw a slow moving, sad faced old gentleman as he
bounced off the
roof of my car." |
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Extracts taken from actual claim
forms submitted to
a number of UK car insurance companies |
Next.....
UK Car Insurance Exclusions - The Policy Excess
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