This policy does not cover:

• Claims above the £20,000 limit
• Mechanical, electrical, or breakdown-related faults
• Damage caused by using the wrong fuel
• Injury, death, or damage to third-party property (these are covered under your main motor policy)
• Driving a vehicle without:

• Valid Driving Other Vehicles cover
• The owner’s permission

Vehicles that are leased, hired, or rented

Vehicles without valid comprehensive insurance