● You will need to pay a Deductible in respect of each Event, as set out in the
Protection Schedule. We will charge your payment method for the Deductible
if you make a valid claim.
6. WHAT IS NOT PROTECTED?
6.1. Vehicle Protection does not include Damage and Loss arising from any circumstance
where you or your Authorized Drivers operate or use the Vehicle:
● to carry cargo or baggage that damages the Vehicle or exceeds the Vehicle’s
carrying capacity;
● to carry a number of passengers that exceeds the number that the Vehicle is
designed to carry or the number of available seatbelts;
● to carry passengers or property for hire, fare or reward or make commercial
deliveries;
● to pick up hitchhikers or persons unknown to you;
● to transport any inflammable, hazardous, toxic, volatile, poisonous, dangerous
or illegal substances or items;
● in connection with any illegal activity;
● in contravention of any traffic regulations;
● in an unsafe or unroadworthy condition;
● to engage in any motor sport, time trial, competitive driving or racing or
off-road driving;
● to push, propel or tow another car, trailer or any other thing;
● to jump start another Vehicle, or where you attempt to jump start the Vehicle;
● in any way that is reckless, illegal, abnormal or likely to damage the Vehicle or
cause a danger to persons or property;
● whilst operating any device that requires the use of one or both hands while
driving, including but not limited to mobile phones, mobile computers, or
devices that allow texting;
● while you are or your Authorized Driver is under the influence of alcohol or
drugs or both to the extent that you are or your Authorized Driver is incapable
of having proper control of the Vehicle or while your or your Authorized
Driver’s blood alcohol content or the level of drugs present in your or your
Authorized Driver’s blood exceeds the limit specified by the law of the state or
territory in which the Vehicle is driven;
● if you or your Authorized Driver refuse to submit to a drug or alcohol test;
● on any road or other surface which is not sealed;
● any area where or under any circumstances (including crossing a waterway or