How might the General Exclusion for pandemics and disease 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 how you would not be able to claim on your motor policy are:
- You have a passenger in your vehicle who is later confirmed as having a disease e.g. Coronavirus. You want to have your vehicle cleaned to ensure it is not contaminated. You are not able to claim for this cleaning.
- Your vehicle is parked at a hospital that goes into lock down due to a pandemic spread, you are not able to claim for a hire car while your vehicle is unable to be driven.
- You have had a passenger in your vehicle, and it is later confirmed that you have had the Coronavirus. Your passenger also then contracts the virus from being in the car with you. The passenger is not able to claim under the Section of ‘Third Party Liability Cover’.