1. Damage not covered;
a) Damage or loss arising from theft, where the vehicle
is left unlocked or unsecure or you have not kept the
keys secure
b) damage or loss where the vehicle is totally or partially
immersed in water regardless of cause;
c) damage or loss to the interior of the vehicle, which
requires professional cleaning, deodorising or repair;
d) damage or loss to tyres, such as punctures, cuts,
abrasions or to the windscreen such as chips, cracks
and stars unless covered under the premium protection;
e) damage or loss to tyres caused by use on construction
sites, mines and unsealed roads;
f) overhead damage being damage or loss sustained to
the vehicle or any other property caused by driving
the vehicle into or under any object of the same or
a greater height than the base of the vehicles front
windscreen;
g) damage or loss caused to any part of the pantech
or box section or convertible roof;
h) damage or loss caused to the under carriage of the
vehicle or to any property arising from contact between
the under carriage and any object, obstruction or road
surface regardless of cause. The under carriage means
any exposed components including but not limited to,
wheels and tyres, engine, transmission, sumps, differential,
suspension, exhaust system, fuel tank, floor pan, tailgate
lifters and ramps or any other mechanical or structural
item;
I) damage or loss to the tailgate lifter, ramps and
associated equipment during usage of those items;
j) damage or loss caused to the vehicle or third party
property by you driving the vehicle , after the vehicle
has sustained radiator fluid loss, transmission or engine
oil loss or loss of tyre pressure;
k) damage or loss to the vehicle or third party property
caused by you failing to secure properly any load or
equipment
l) damage or loss caused to the vehicle or third party
property by loading or unloading to or from the vehicle;
m) damage or loss to the vehicle deliberately caused
by you or by you using the vehicle in a dangerous or
reckless manner;
n) damage or loss to the vehicle whilst being transported,
ferried or towed without our authority, or whilst the
vehicle is taken off the mainland or across any waterway
whatsoever or used in any unauthorised area;
o) the cost of towing or salvage of the vehicle in
or from a remote or sparsely populated area;
p) the cost of towing or salvage of the vehicle through
the use of towing or roof racks;
q) costs or expenses incurred including legal costs
(on a full indemnity basis) and interest as a result
of your failure to deliver immediately every summons,
complaint, demand or notice in relation to any loss
or damage;
r) damage or loss to any personal property owned by
you (or any relative, associate, passenger or any person
known to you) possession.
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