How might the General Exclusion for diseases impact my Motor Insurance policy?

For most circumstances that might result in a claim, this general exclusion is expected to have minimal impact. Some examples of when you would not be able to claim on your Motor Vehicle Insurance policy are:

You have a passenger in your vehicle who is later confirmed as having a disease e.g. COVID-19. Your vehicle is involved in an accident. Your vehicle requires a deep clean to ensure it is not contaminated before the damage can be assessed for repair. You are not able to claim for this cleaning.

You have had a passenger in your vehicle and it is later confirmed that you have had COVID-19. Your passenger also then contracts the virus from being in the vehicle with you. The passenger is not able to claim under the Section of ‘Third Party Liability Cover’.