This policy does not cover:

• Wear and tear or gradual damage
• Incidents outside the policy period
• Items permanently fixed to your vehicle
• Use of your vehicle for:

• Hire and reward
• Racing, rallies, competitions, or trials

Theft where:

• Your tools were not securely stored, or
• There is no sign of forced entry

Personal belongings

Indirect losses, such as loss of income due to not having your tools