Common use of Excluded Risks Clause in Contracts

Excluded Risks. Apart from the situations provided for in article 3 of the General Conditions, applicable mutatis mutandis to this cover, this cover shall not guarantee as well claims arising: a) Directly or indirectly from actions and the consequences of an illness or accident intentionally caused by the Insured/Insured Person or performed with their assistance, as well as his/her attempted suicide; b) From an accident, if the Insured/Insured Person is responsible therefor and has a blood alcohol level over 0.50 g/l, or if s/he used toxic drugs, narcotics or psychotropic substances not medically prescribed. It is considered that the Insured/Insured Person was under the influence of toxic drugs, narcotics or psychotropic substances whenever the presence of any of them is detected in his/her organism or in any organic fluid for detection tests.