Car insurance general exceptions

Just so you have complete confidence there is no "small print", look through the list of exclusions under our policy. For full details, please read the policy document.

1. Any accident, injury, loss or damage while any vehicle that is insured under this policy is being:

  • Used otherwise than for the purposes described under the "Limitations as to use" section of your Certificate of Insurance.
  • Driven by, or is in the charge of any person for the purposes of being driven who:
    • Is not described under the section of your Certificate of Insurance headed "Permitted drivers";
    • Does not have a valid and current licence to drive your car;
    • Is not complying with the terms and conditions of the licence;
    • Does not have the appropriate licence for the type of vehicle;
    • Is under the influence of intoxicating liquor or drugs as defined under Sections 67 to 71A of the Road Traffic Act (Cap. 92, 1985 Ed.) and/or any statutory law regarding the abuse of drugs where the offence was committed at the time of an accident or event giving rise to a claim under this policy.
  • Driven as part of any other agreement such as a "drive you home" service.
  • Used whilst in an unroadworthy condition.
  • We will not withdraw this cover,
    • While your car is in the custody or control of:
      • A member of the car trade for the purposes of maintenance or repair, or
      • An employee of a hotel or restaurant or car parking service solely for the purpose of parking your car.
    • Under Section 1 if the loss or damage was caused as a result of the theft of your car.

2. Any liability you have accepted in an agreement which you would not have had if that agreement did not exist.

3. (a) Loss or destruction of, or damage to, any property or associated loss or expense, or any other loss; or

(b) Any legal liability that is directly or indirectly caused by, contributed to by or arising from:

  • Ionising radiation or contamination by radioactivity from any irradiated nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
  • The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.

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:

  • War, invasion, act of foreign enemy, hostilities or a warlike operation or operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, protests, processions assuming the proportions of or amounting to an uprising, military or usurped power.
  • 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 relevant laws.

5. Any accident, injury, loss or damage if your car is registered outside the Republic of Singapore.

6. Any accident, injury, loss or damage while any vehicle insured under this policy is being used outside of the territorial limits.

7. Any person who is not party to this contract. Such persons shall have no rights under the Contracts (Rights of Third Parties) Act 2001 or any subsequent revisions of this act to enforce any of its terms.

8. Any accident, injury, loss or damage caused by you or your authorized driver's wilful act, wilful negligence or collusion.

9. Any accident, injury, loss or damage arising from criminal breach of trust.

10. We shall not be deemed to provide cover and We shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose Us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or United Kingdom or United States of America.

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