INSURANCE EXCLUSIONS Sample Clauses
The Insurance Exclusions clause defines specific situations, events, or types of damage that are not covered by an insurance policy. In practice, this clause lists exceptions such as intentional acts, certain natural disasters, or pre-existing conditions, making it clear which claims will be denied by the insurer. Its core function is to set clear boundaries on the insurer’s liability, helping both parties understand the limits of coverage and reducing disputes over what is and isn’t insured.
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INSURANCE EXCLUSIONS. The indemnities referred to above shall not apply and the Hirer’s liability is increased to the replacement cost of the vehicle up to a maximum of $5,000 where the damage, injury or loss arises when:
a) Any conditions of this rental agreement, including clauses 6, 7 and 11 are not complied with;
b) The vehicle is in an unsafe or unroadworthy condition, which arises during the hire, of which the Hirer is aware, or should be aware of, and which causes or contributes to further damage or loss;
c) The vehicle is wilfully or recklessly (including reckless and grossly negligent driving) damaged by the Hirer, any person named in clause 1 of the Rental Agreement or any other person driving the vehicle under the authority of the Hirer;
d) The vehicle is lost, stolen or towed as a result of wilful, reckless or grossly negligent behaviour of the Hirer or any such person;
e) The driver is charged with an infringement or offence as a result of an accident.
f) Any damage is caused during the fitting of snow chains or roof racks when the vehicle is on hire;
g) In the event of wilful or reckless damage the cost of towing and/or salvage of the vehicle will be at the Hirer’s expense.
INSURANCE EXCLUSIONS. The Hirer is at all times fully liable (without a monetary limit) for :
a. Any damage to the Wendekreisen vehicle or third party property if the terms of this rental agreement are breached
b. Damages caused by racing, speed tests or other contests
c. Damage caused by careless, willful or reckless driving
d. Damage caused by driving under the influence of alcohol or drugs
e. Damage caused by driving on restricted roads (see section 6)
f. Damage to or loss of any personal belongings
g. Damage caused by the use of incorrect or contaminated fuel
h. Damage caused by water submersion or salt water damage
i. Damage caused in an unsafe or unroadworthy condition that arose during the course of the hire and that caused or contributed to the damage and loss, and the Hirer or driver was aware or ought to have been aware of the unsafe or unroadworthy condition of the vehicle.
j. Cost to retrieve or recover vehicles which have become bogged submerged or abandoned
k. Cost to replace vehicle keys that have been lost or damaged or retrieval of keys that are locked in the vehicle l. Damages caused by the use of snow chains m. Damages due to overloading of the vehicle
INSURANCE EXCLUSIONS. The Hirer is at all times fully liable (without a monetary limit) for :
a. Any damage to the Wendekreisen vehicle or third party property if the terms of this rental agreement are breached
b. Damage caused by racing, speed tests or other contests
c. Damage caused by careless, willful or reckless driving
d. Damage caused by driving under the influence of alcohol or drugs
e. Damage caused by driving on restricted roads (see section 6)
f. Damage to or loss of any personal belongings
g. Damage caused by the use of incorrect or contaminated fuel
h. Damage caused by filling any vehicle holding tanks with an incorrect fluid or substance (e.g. diesel filled in the freshwater tank, water filled in the engine oil holding tank, etc.)
i. Damage caused by water submersion or salt water damage
j. Damage caused in an unsafe or unroadworthy condition that arose during the course of the hire and that caused or contributed to the damage and loss, and the Hirer or driver was aware or ought to have been aware of the unsafe or unroadworthy condition of the vehicle.
k. Cost to retrieve or recover vehicles which have become bogged submerged or abandoned
l. All costs associated to retrieve or recover vehicles which have been abandoned due to roads with severe weather warnings m. Cost to replace vehicle keys that have been lost or damaged or retrieval of keys that are locked in the vehicle n. Damage caused by the use of snow chains or bike racks
o. Damage due to overloading of the vehicle
p. Damage caused by entering height restricted carparks or any other structures that are lower than the vehicle height If any of the above exclusions occur, the Hirer shall be liable for all resulting actual or consequential losses incurred by Wendekreisen and it is at the sole discretion of Wendekreisen as to whether it shall lodge a claim pursuant to the insurance cover.
INSURANCE EXCLUSIONS. Damage as identified below is specifically excluded from Tourism and Travel Holdings LTD Insurance cover. The Hirer remains fully liable for all costs incurred.
a) any damage due to vehicle use in contravention of clause 8 ‘Use of Vehicle’.
b) any damage caused by wilful misconduct (e.g. sitting or standing on the bonnet or roof of the vehicle) and
c) driving under the influence of alcohol or drugs and negligence resulting in damage to the hired vehicle or third-party vehicle/property.
d) any loss or damage to personal belongings. New Zealand legislation provides limited coverage for personal injury. TaT does not accept any liability for personal injuries sustained during the rental, nor for any loss or damage to personal belongings. T&T strongly recommends the Customer takes out personal travel insurance to cover any injury or loss.
e) if the Hirer is deemed by TaT and/or the local authorities to have been careless, negligent or wilful in failing to abide by the local authority road rules, resulting in damage to the hired vehicle or third party vehicle/property. In an event like this TaT is authorised to charge a min. amount of NZ$5000 from the Hirers registered credit card, until the insurance claim is settled.
f) the cost to retrieve or recover a vehicle, which has become bogged, submerged, caught, trapped, stuck or restricted in anyway and/or has been abandoned.
g) the cost to replace keys, which have become broken, lost, stolen, or retrieval of keys, which have been locked in the vehicle.
h) drivers not identified on the rental agreement and/or drivers that have a licence that has been cancelled or suspended and/or drivers who have a licence that is classified as a learners or probationary licence.
i) any damage caused to the vehicle due to the use of snow chains.
j) damage caused to the vehicle because total load (kg) has exceeded recommended load.
k) any cost associated with the incorrect use of fuel (fuel being diesel or petrol) this includes bio-diesel which should not be used, or water or other contamination of fuel.
l) any damage occurred inside the vehicle including, but not limited to, soft furnishings, flooring, furniture, contents, fixtures, assets, linen and bedding regardless of accidental damage or breakage.
m) any damage that has occurred to the vehicle which could have been avoidable. For example, driving with hand brake on. n) any cost related to filling water into engine or fuel tank, or filling fuel into water tank.
o) any roof damag...
INSURANCE EXCLUSIONS a. Water submersion or salt-water damage is not covered by any reduction option.
b. Continuing to drive if a warning light appears results in the hirer being responsible for all costs incurred.
c. Excess options do not cover any damage caused by the use of snow chains and roof racks.
▇. ▇▇ reduction option covers the cost to replace keys which have been lost or the cost of retrieval of keys which have been locked inside a vehicle.
e. Excess options do not cover any: breakages or defacement of the vehicles interior, theft or attempted theft resulting in damage.
f. Personal belongings are not covered. The owner recommends the hirer does not leave valuables in the vehicle and should take out personal insurance.
g. All excess reduction is void if the terms of the rental agreement are breached. The hirer will also include any damage caused by wilful conduct (eg: sitting or standing on the bonnet or roof of the vehicle) and driving under the influence of alcohol or drugs.
h. The vehicle is wilfully or recklessly damaged by the hirer or any other person named in the schedule to this agreement or driving the vehicle under the authorisation of the hirer, or is lost as the result of wilful or reckless behaviour of the hirer or any such person. (Note: Punctures, damage to tyres, rims, burning out a clutch and any damage arising from using the vehicle to propel any other vehicle are regarded as wilful or reckless damage).
i. The reduction options do not cover the incorrect filling of fluid tanks. Place the correct type of fuel in the vehicle tank (petrol or diesel only). The hirer will be responsible for any associated costs.
j. The hirer will be responsible for the cost to retrieve or recover a vehicle which has become bogged or immobile regardless of the insurance option taken.
k. If the vehicle is operated in any race, speed test, rally or contest; insurance is void.
l. The hirer is not a body corporate or department of state and the vehicle is m.driven by any person not named in the schedule to this agreement. n.The vehicle is driven by any person who at the time when he/she drives the vehicle is disqualified from holding or has never held a driver’s licence appropriate for that vehicle.
o. The vehicle is operated on any of the following roads: Ninety Mile Beach (Northland), roads north of Colville township, Ball Hutt Road (Mt Cook), Skippers Road (Queenstown), Catlins Area on unsealed roads.
p. The vehicle is operated outside of the hire or any agreed extension o...
INSURANCE EXCLUSIONS. (a) The hirer is responsible for all windscreen damage/ replacement and tyre damage/replacement costs, except where the excess reduction option covers all or part of this liability.
(b) The hirer chooses to refuse the insurance covers offered and has signed both the insurance rejection and liability clause in Rental Vehicle Agreement Part A.
(c) The vehicle through neglect, misjudgement if dimensions or inattention is damaged by the hirer or any other person named as drivers within Rental Agreement Part A, or is lost as a result of the neglect, misjudgement if dimensions or inattentive behaviour of the hirer or any such person.
(d) The hirer has given the owner false information in applying for the hire of the vehicle or any other vehicle.
INSURANCE EXCLUSIONS. It is recognized by the Board of Education and the Association that insurance policies contain standard exclusions and limitations. It is therefore expressly understood that these provisions of the insurance policies shall prevail.
INSURANCE EXCLUSIONS. The hirer acknowledges that the cover referred to in clause 18 will not apply:
INSURANCE EXCLUSIONS. The following clauses are not covered by the Owners insurance policy and/or the event itself voids the insurance cover therefore the Hirer is fully liable for all costs.
a) The driver of the vehicle is under the influence of alcohol or any drug that affects their ability to drive the vehicle.
b) The vehicle is in an unsafe or un-roadworthy condition that arose during the course of the hire and that caused or contributed to the damage or loss, and the Hirer or driver was aware or ought to have been aware of the unsafe or un-roadworthy condition of the vehicle.
INSURANCE EXCLUSIONS. Customer acknowledges that Customer’s insurance company, or Owner, may pursue a claim against Customer under any instance when Customer is in violation of any term of this Agreement or when Customer may be responsible for a claim under this Agreement, such instances include, but are not necessarily limited to, the following:
a. at any time when the driver of the Vehicle is under the influence of alcohol or any drug;
b. at any time when the Vehicle is in an unsafe or unroadworthy condition, such condition arising during the Period of Use, that caused or contributed to the damage or loss, and Customer was aware or should have been aware of the unsafe or unroadworthy condition of the Vehicle;
c. at any time when the Vehicle is driven in violation of any other provision of this Agreement;
d. at any time when the Vehicle is driven by anyone not named in this Agreement as a Customer;
e. at any time when the Vehicle is driven by an unlicensed person or by a person not legally authorized to operate the Vehicle;
f. at any time when the Vehicle is willfully or recklessly damaged or lost by Customer, or a person under Customer’s authority or control;
g. at any time when the driver commits a traffic or parking offense or infraction while driving or using the Vehicle;
h. at any time when the Vehicle is loaded or is being loaded in excess of the manufacturer's specifications, or used in a manner beyond the Vehicle’s normal use or capacity;
i. at any time when the driver fails to stop or remain at the scene following the occurrence of an accident where required to do so by law;
j. any fine or penalty imposed as a result of prosecution for breach of any law;
k. at any time when the Vehicle was being driven on any of the following roads or in any of the following conditions: the ▇▇▇▇▇ Trail, in any area that is not on a road, whether paved or dirt, including on any beach or other location with deep sand or unstable dirt or gravel, in any muddy, slippery or dangerous condition, or, for a 4-wheel drive vehicle, on any unpaved road on a day when Owner’s representative informs Customer that the unpaved roads are off limits or unsuitable for driving, or, for a non-4 wheel drive vehicle, on any unpaved road; or
l. at any time when the Vehicle was operated beyond the estimated end date and time of the Period of Use, or at any other time or in any other circumstances notified by Owner to Customer that the Vehicle should not be operated. Nothing in this Agreement will be read as pl...