Hagerty classic car
Policy wording 17 February 2021
Section 6: General exclusions
The following exclusions apply to the whole of this policy. Any extra exclusions are
shown in the sections to which they apply.
This insurance does not cover the following:
1.
Any loss, damage or liability arising out of a deliberate act by you or an
insured person or by anyone acting on your behalf.
2.
Loss, damage, costs or expenses arising directly or indirectly from biological or
chemical contamination. This includes poisoning or preventing or limiting the use
of an object, due to the effects of any biological or chemical agent.
3.
Any loss, damage or liability arising directly or indirectly from
nuclear reaction, nuclear radiation or radioactive contamination.
4.
Any loss, damage or liability caused directly or indirectly by war, acts of foreign
enemies, hostilities (whether war is declared or not), invasion, civil war, rebellion,
revolution, insurrection or military or usurped power or the destruction or seizure
of any insured vehicle for a military purpose.
5.
Any loss, damage or liability caused by the confiscation, destruction or seizure
of property by any military, government or public authority.
6.
Any loss, damage or liability arising from:
a.
airport service vehicles.
b.
vehicles being used on those parts of airport premises to which the public do
not have free vehicular access.
7.
Any reduction in value of any insured vehicle.
8.
Any loss, damage or liability arising from participation in or instruction or
preparation for any racing, rallies, trials, pace-making or speed testing in any
prearranged or organised event (including but not by way of limitation the Gumball
Rally or Cannonball Run) or any on track use (including but not by way of limitation
the Nürburgring).
9.
Any person who uses an insured vehicle without the owner’s permission.
10.
Any loss, damage or liability arising from the use of any insured vehicle
to carry property or people for a fee.
11.
Any loss, damage or liability arising from the operation of any insured vehicle
that has been hired, leased or loaned by you or any insured person for a fee
to any other person.
12.
Any death or injury of any employee arising out of his or her employment by
you or an insured person if cover for such person is provided under a liability
insurance policy that complies with current United Kingdom compulsory
liability legislation, or any similar legislation of any other applicable country
within the territorial limits.
13.
Any motorcycles or any vehicles with less than four wheels unless agreed by us
and noted in the schedule.
14.
Any loss or damage caused by wear and tear, mechanical or electrical
breakdown or any damage caused by a computer error or malfunction or an error
in computer programming.
15.
Loss, damage, cost, expense or liability directly or indirectly caused by,
resulting from or in any connection with any act of terrorism or any
action taken in controlling, preventing or suppressing any act of
terrorism. However, this exclusion shall not apply when cover is not
provided by the Motor Insurance Bureau and it is necessary to comply
with the United Kingdom Road Traffic Act
.