Casco exclusions: the page that decides the dispute
Short answer
Casco exclusions are listed exhaustively in the policy terms and typically cover driving under the influence of alcohol or drugs, driving without a valid licence, racing, intentional acts and driving a technically unfit vehicle.
The state of the driver
Alcohol, drugs, no valid licence for the category, leaving the scene — these are where cover falls away most often. Not because the insurer is looking for a pretext, but because the risk that was assessed and paid for was a different one.
The state of the vehicle
No valid roadworthiness test, obvious technical defects, or loading beyond the intended use are frequent grounds for refusal. The dispute here is usually whether the defect caused the damage or merely existed.
How to read this page before the damage
Exclusions are read together with the definitions: the same word can mean different things in two policies. If something is unclear, ask for the explanation in writing before signing — after the event the burden of interpretation falls on you.
Frequently asked questions
- What if someone else was driving?
- Usually covered, provided the driver meets the policy conditions. Any restriction on who may drive is stated expressly.
- Is a refusal final?
- No. A refusal must be reasoned in writing and is open to objection and, in dispute, to review by the court.
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