Accident Insurance Boating insurance Car Insurance Golf insurance Sanitas - health and dental insurance plans in Spain Household Insurance Hunting insurance Legal Expenses Insurance Life insurance Motorbike Insurance Travel insurance Civil Liability Insurance Insurance for Small and medium sized enterprises (SMEs) Insurance for Electrical Equipment Insurance for Haulage Companies Insurance for Companies selling or renting equipment (eg leasing) Machinery Breakdown Insurance Office Insurance Shop Insurance Are you planning to return to the UK from abroad?
Significant and unusual exclusiones or limitations
Please refer to Article 23, pages 42 to 25 of your policy booklet for full details of the general exclusions and conditions. The most significant exclusions are outlined below:
Liability - , page 14
We do not pay compensation for:
- Damages, injuries or death of the driver of the insured vehicle, damages caused while driving under the influence of alcohol, toxic drugs, narcotics or psychotropic substances
- Damages caused to objects and goods carried in the vehicle, damages and injuries caused to passengers, when the vehicle is not officially authorised to carry passengers, except in the event of necessity, as well as all that is stated for Compulsory Third Party liability
- Damages to the insured vehicle of damages caused by toxic, inflammable or radioactive materials and, in general, any hazardous materials
Own damages - Article 5, page 17
We do not provide compensation for:
- Mechanical breakdowns
- Damages caused by atmospheric phenomena, except for hailstones and extraordinary risks covered by the Insurance
- Damages due to water freezing in the radiator
- Driving the vehicle along roads not suitable for traffic
Fire - Article 7, page 19
We do not provide compensation for:
- Damages that involve family members of the Insured party or the policyholder
- Damages caused by atmospheric phenomena, except lightning
Theft - Article 9, page 20
We do not provide compensation for:
- Theft due to serious negligence of the insured party
Breakage of car windows - Article 11, page 21
We do not provide compensation for:
- Breakages caused by faulty installation or during fitting works
- The defects and breakages caused to headlights, side lights, indicators, mirrors or any other kind of glass object, apart from the car windows