Maintenance

lack of proper, regular or regulatory maintenance of the vehicle and running repairs such as radios, interior light bulbs

Driver & Vehicle Standards Agency (DVSA)

where at the time of that breakdown you do not hold a Green or Amber DVSA score.

Parts

the cost of any parts, petrol, oil, keys or other materials required when repairing the vehicle roadside or any supplier delivery charge

VAT

the VAT where you are VAT Registered

Duty of Care

your lack of care, diligence or prudent behaviour, the result of which would increase the risk, and/or likelihood of a claim.

Legal Requirements

you failing to observe and comply with the requirements of any law, ordinance, court or regulatory body of the applicable jurisdiction.

7. Accident / damage

your involvement in any road traffic accident or damage to your vehicle.

Fraud

any fraud, misrepresentation or concealment by you.

War

war

Nuclear Risks

nuclear risks

Terrorism

terrorism

Non-approved agent

any agent carrying out the work that is not approved or authorised by us

Transporting animals

the recovery or transport of any animals including horses or livestock.

Unsafe or unroadworthy vehicle

your vehicle, immediately before the breakdown, being dangerous, overladen, unroadworthy or could not otherwise have been lawfully used on the public highway. Where service has been refused as a result of your vehicle being deemed dangerous, overladen or unroadworthy, we will seek to arrange but will not pay, to have it removed to a repairer.

Goods of a dangerous or hazardous nature

carrying any dangerous or hazardous substances or goods which you need a licence from the relevant authority unless such repair or recovery is properly authorised (where required) by any statutory or other relevant body and is not otherwise in contravention of any statute or regulation.

Delay in reporting

there being an unreasonable delay in reporting the breakdown.

Age of vehicle

your vehicle, at the time of the claim, is over 10 years old.

Consequential loss

consequential losses of any nature other than as specifically provided within the terms of this policy.

Previous breakdown faults

any breakdown resulting from a fault where we have previously provided breakdown cover and made a temporary repair or made a recommendation for that fault unless we consider, acting reasonably, that there is evidence to suggest that the original fault has not been properly repaired by a third party other than us.

First 24 hours

any claim within the first 24 hours after the policy start date. This does not apply to any renewing policies.

Driver induced fault

driver induced fault.

Non-standard aftermarket Specialist equipment

any breakdown resulting from a fault to any non-standard aftermarket specialist equipment fitted to your vehicle or attached trailer.

Cyber losses caused by malicious acts

any loss, theft, damage, impairment, disablement

or loss of use of your vehicle caused deliberately

or maliciously by:

i. the use of, or failure of, any application, software, or programme in connection with your vehicle, including driver assistance, safety, security, infotainment or software updates whether authorised or unauthorised;

ii. the use of, or failure of, any electronic device connected to your vehicle (for example smartphones, tablets or smartwatches used for navigation, infotainment or any other purpose);

iii. any computer virus, ransomware, code or software;

iv. theft of, loss of access to, or damage to, any telematic device or any electronic data (for example files, music or images) wherever it is stored;

v. any threat, deception or hoax relating to i., ii., iii., and/or iv. Above.

Computer virus or

Ransomware Attack

any loss, theft, damage, disablement, impairment

or loss of use of your covered vehicle or any

cost or expense arising as a result of

any computer virus, ransomware, code or software or any related threat, deception or hoax

Alternative fuels         

any vehicle powered by alternative fuels.