EXCEPTIONS TO SECTION I
The Company shall not be liable to pay for
(a) Consequential loss
(b) Depreciation wear and tear mechanical or electrical breakdowns failures or breakages
(c) Damage to tyres unless damage is caused to other parts of the Motor Vehicle at the same time.
The Company shall not be liable:
(a) Under sub-sections 2 or 3 to indemnify any person
(i) Unless such person shall observe fulfill and be subject to the Terms of this Policy in so far as they can apply
(ii) If such person is entitled to indemnity under any other policy.
(b) In respect of death of or bodily injury to any person arising out of and in the course of such person’s employment by the person claiming to be indemnified under this Section.
(c) A respect of death of bodily injury to any person (other than a passenger carried by reason of or in pursuance of a contract of employment) who is a member of the same household as the person claiming to be indemnified under this Section and who at the time of the occurrence of the event out of which any claim arises is being carried in or upon or entering or getting on to or alighting from the Motor Vehicle in respect of which indemnity is provided under this Section.
(d) In respect of death or bodily injury or damage caused or arising beyond the limits of any carriageway or thoroughfare in connection with the bringing of the load to the Motor Vehicle for loading thereon or the taking away of the load from the Motor Vehicle after unloading therefrom.
(e) In respect of damage to property belonging to or held in trust by or in the custody or control of:
(i) The insured or Any person claiming to be indemnified under sub- section 2 or
(ii) A member of the same household as the insured or of the same household as any person claiming to be indemnified under sub section 2
GENERAL EXCEPTIONS
The Company shall not be liable in respect of
1. Any accident loss damage or liability caused sustained or incurred
(a) Outside the Geographical Area
(b) Whilst any motor vehicle in respect of which indemnity is provided by this Policy is
(i) Being used otherwise than in accordance with the Limitations as to Use
(ii) Being driven by or is for the purpose of being driven by him in the charge of any person other than an Authorized Driver
2. Any accident loss damage or liability (except so far as necessary to meet the requirements of the Legislation) directly or indirectly proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection withv
(a) War invasion the act of foreign enemies hostilities or war like operations (whether war be declared or not) civil war mutiny rebellion revolution insurrection military or usurped power.
(b) Strike riot civil commotion
(c) Detention seizure confiscation or any attempt thereat
(d) Flood typhoon hurricane cyclone tornado volcanic eruption earthquake or other convulsion of nature or by any direct or indirect consequences of any of the said occurrences and in the event of any claim hereunder the person claiming to be indemnified shall prove that the accident loss damage or liability arose independently of and was in no way connected with or occasioned by or contributed to by or traceable to any of the said occurrences or any consequence thereof and in default of such proof the Company shall not be liable to make any payment in respect of such a claim.
3. Any liability which attaches by virtue of an agreement but which would not have attached in the absence of such agreement.
(a) any accident loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom or any consequential loss
(b) any liability of whatsoever nature
or indirectly caused by or contributed to by or arising from ionizing radiations or directly contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purposes of this exception combustion shall include any self-sustaining process of nuclear fission.
4. Any accident loss damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.
Bahrain 
India
UAE
