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. Any consequence whatsoever which is the direct or indirect result of any of the following, or
anything connected with any of the following, whether or not such consequence has been
contributed to by any other cause or event, except to the extent that we must provide cover
under the Road Traffic Acts:
(a) Terrorism – Terrorism is defined as any act or acts including, but not limited to:
(i) the use or threat of force and/or violence
and/or
(ii) harm or damage to life or to property (or the threat of such harm or damage) including,
but not limited to, harm or damage by nuclear and/or chemical and/or biological and/or
radiological means
caused or occasioned by any person(s) or group(s) of persons in whole or in part for political,
religious, ideological or similar purposes, or is claimed to be caused or occasioned in whole
or in part for such purposes
(b) any action taken in controlling, preventing, suppressing or in any way relating to (a) above.
In respect of 2 (a) and (b), where we are obliged by the Road Traffic Acts to provide
insurance the maximum amount we will pay for damage to property as a result of any
accident or accidents caused by a vehicle or vehicles driven or used by you or any other
person, for which cover is provided under this section, will be:
• £5,000,000 in respect of all claims resulting directly or indirectly from one originating
cause; or
• such greater sum as may in the circumstances be required to meet the minimum
insurance requirements of the Road Traffic Acts.
3. Any loss, damage or liability arising directly or indirectly from nuclear reaction,
nuclear radiation or radioactive contamination.
4. Any consequence whatsoever which is the direct or indirect result of any of the following,
or anything connected with any of the following, whether or not such consequence has
been contributed to by any other cause or event:
a) war, invasion, act of foreign enemy, hostilities or a warlike operation or operations
(whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion
assuming the proportions of or amounting to an uprising, military or usurped power
b) any action taken in controlling, preventing, suppressing or in any way relating to (a) above
except to the extent that it is necessary to meet the requirements of the Road Traffic Acts.
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).
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:
Hagerty classic car
Policy wording
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