When it comes to purchasing auto insurance, many people assume that any accident or incident will be covered by their policy. However, this is not always the case. Insurance companies often include exclusions in their policies, which limit or completely exclude coverage for certain situations or types of damage. These exclusions can have a significant impact on how much you pay for insurance, as well as the level of protection you have while on the road. In this article, we will dive deeper into common auto insurance exclusions, why they exist, and what you can do to ensure that you have the coverage you need.
Why Do Exclusions Exist?
Auto insurance policies can be a complex and confusing topic for many drivers, especially when it comes to understanding the various exclusions that may be in effect. These exclusions exist for a reason, but their purpose may not always be clear to the general public. In order to grasp the significance of auto insurance exclusions, it’s important to explore their reasoning and how they can impact policyholders. So, let’s dive in and discover why these exclusions exist in the first place.
What is an Exclusion?
An exclusion is a provision in your auto insurance policy that describes specific circumstances or types of damage that are not covered by the policy. Essentially, exclusions limit the scope of your coverage and allow the insurance company to avoid paying for certain types of claims.
To clarify the meaning of exclusions further, here is an example of a common exclusion: most auto policies exclude damage that results from intentional acts on behalf of the policyholder. If you intentionally damage your own vehicle or cause an accident on purpose, your policy will likely not cover the associated costs.
Another example of an exclusion is driving while under the influence of drugs or alcohol. If you cause an accident while driving drunk, any damages or injuries that result may not be covered by your policy.
The following table provides examples of common exclusions in auto insurance policies:
|Intentional Acts||Damage or injury caused by deliberate, intentional actions of the policyholder.|
|Racing and Speed Contests||Damage or injury that occurs while participating in racing or speed contests, whether legal or illegal.|
|Commercial Activities||Damage or injury caused while using a vehicle for business purposes.|
|Permissive Use||Damage or injury caused while someone not listed on the policy is driving the insured vehicle.|
|Custom Equipment||Damage to custom equipment or modifications that exceed the limits of the policy.|
|Regular Wear and Tear||Damage resulting from normal wear and tear, such as mechanical failure.|
|Natural Disasters||Damage or loss resulting from natural disasters such as earthquakes, hurricanes, and floods.|
|Driving Under the Influence||Damage or injury caused while driving under the influence of drugs or alcohol.|
|Unlisted Drivers||Damage or injury caused while someone not listed on the policy is driving the insured vehicle.|
|Unlisted Vehicles||Damage or injury caused while driving a vehicle that is not listed on the insured policy.|
Why Might an Insurer Impose an Exclusion?
Insurers may have various reasons for imposing exclusions in auto insurance policies. Some of the most common reasons include:
- Increased risk: If an insurer believes that a particular driver, vehicle, or activity poses a higher risk of accidents or claims, they may impose an exclusion to limit their liability.
- Prior incidents: If a driver or vehicle has a history of accidents, violations, or claims, an insurer may exclude coverage for certain risks to protect themselves from potential future payouts.
- Customized coverage: Policyholders may request exclusions to their policy as a way to reduce their premiums or to tailor their coverage to their specific needs. For example, a car owner may exclude coverage for their vehicle’s custom stereo system to avoid paying higher premiums for that specific feature.
- Regulatory requirements: Some exclusions may be required by law or regulations, such as certain commercial activities or types of modifications to vehicles.
- Policy fraud: In some cases, insurers may impose exclusions as a way to prevent fraudulent claims or misrepresentation by policyholders, such as excluding coverage for a driver who has been dishonest about their driving record or the intended use of their vehicle.
It is important to note that exclusions can vary depending on the insurer and policy, and that policyholders should carefully review their policy documents to understand any limitations or exclusions that may apply to their coverage.
What are the Most Common Auto Insurance Exclusions?
As a vehicle owner, one of your responsibilities is to ensure that your vehicle is sufficiently protected by an auto insurance policy. However, it’s important to understand that not all incidents or situations are covered by auto insurance policies. Auto insurance companies often impose exclusions in their policies that limit or completely bar coverage in certain circumstances. Knowing which exclusions exist and understanding how they can affect your coverage is crucial in making informed decisions when purchasing an auto insurance policy. So, let’s take a closer look at some of the most common auto insurance exclusions you should be aware of.
Intentional acts refer to actions taken by an insured individual with the intention of causing harm or damage to their own vehicle or the property of others. In these cases, auto insurance policies typically exclude coverage for intentional acts. Some examples of intentional acts that may be excluded from auto insurance coverage include:
- Vehicle Damage: If an individual intentionally damages their own vehicle, either through vandalism or self-inflicted destruction, the damage would not be covered by insurance.
- Criminal Activities: Any intentional acts committed while engaged in criminal activity, such as using a vehicle to transport stolen goods, would not be covered by insurance.
- Road Rage Incidents: If an individual intentionally causes an accident or damages another vehicle as a result of an aggressive driving incident, their insurance policy may not provide coverage for the damages.
It’s essential to note that auto insurance policies typically only cover accidental damage or unforeseen circumstances. Intentional acts that result in damage or harm won’t always be covered under these policies.
Racing and Speed Contests
Auto insurance policies commonly exclude coverage for racing and speed contests, which are considered high-risk activities. The exclusion usually covers both organized races and informal speed contests on public roads.
If you participate in a race or speed contest and get into an accident, your insurance company may refuse to pay for any damages or injuries sustained during the event. This can leave you personally responsible for all costs associated with the accident, including property damage, medical bills, and legal fees.
It’s important to note that even if you are not directly participating in a race or speed contest, but are simply watching from the sidelines or acting as a spectator, your insurance may still exclude coverage for any accidents or damage that occur. This is because being present at such an event implies that you are aware of the significant risks involved and have willingly placed yourself in harm’s way.
In addition to the risks posed to individuals and their property, illegal racing and speed contests also contribute to increased danger on public roads. This in turn raises concerns for law enforcement agencies, who may take a more strict stance on these activities and enforce strict penalties including fines, license suspension or even imprisonment.
In summary, racing and speed contests are typically excluded from auto insurance policies because of the high risk of accidents and the legal implications that can arise. It’s important to remember that even as a spectator, you may not be covered by your insurance for any damages or injuries that occur during these events.
Auto insurance policies often exclude coverage for commercial activities, which refers to the use of a personal vehicle for business purposes. This type of exclusion is commonly imposed because commercial activities can involve more risk and liability than personal use, and therefore require different types of coverage.
Commercial activities can include using a personal vehicle for activities such as delivery, ride-sharing services, and transporting goods or people for profit. These activities are typically excluded from personal auto insurance policies because they involve increased risk and liability that is not covered under a personal policy.
For example, let’s say you use your personal vehicle to make food deliveries for a local restaurant. If you were to get into an accident on one of these deliveries, your personal auto insurance policy would likely be excluded because the accident occurred during a commercial activity.
To better illustrate the exclusions related to commercial activities, see the table below:
|Scenario||Coverage under Personal Auto Policy|
|Delivery driver for a restaurant||Excluded|
|Uber or Lyft driver||Excluded|
|Transporting goods or people for profit||Excluded|
|Using a personal vehicle for non-profit volunteer activities (e.g. delivering meals to the elderly)||May be covered, but dependent on policy language and insurance company guidelines|
Although commercial activities may be excluded from personal auto insurance policies, insurance companies offer specialized commercial auto insurance policies that provide coverage for business-related activities. If you use your personal vehicle for commercial purposes, it’s crucial to talk to your insurance agent about obtaining the appropriate coverage to protect yourself in case of an accident.
One common exclusion in auto insurance policies is permissive use. Permissive use refers to situations where someone other than the policyholder uses the insured vehicle with the policyholder’s permission. This exclusion may apply if the person driving the vehicle is not explicitly listed on the policy.
In some cases, permissive use may be allowed but only with certain restrictions, such as the driver being over a certain age or not using the vehicle for certain activities. It’s important for policyholders to understand the restrictions and exclusions related to permissive use, as coverage may not apply if an accident occurs.
The following table outlines common restrictions on permissive use:
|Unlisted driver exclusion||This restriction means that only those drivers listed on the policy are covered. If someone else, such as a friend or family member, uses the vehicle with permission and causes an accident, the policy may not cover damages or injuries.|
|Age restrictions||The policy may restrict permissive use to drivers over a certain age, such as 25 years old. If someone under that age borrows the car and gets into an accident, the policy may not cover any resulting damages or injuries.|
|Usage restrictions||Usage restrictions may limit permissive use to certain circumstances, such as only for personal use and not for business purposes. If the vehicle is used for business purposes and an accident occurs while a driver not listed on the policy is behind the wheel, coverage may not apply.|
|Excluded drivers||Some policies may specifically exclude certain drivers from coverage, such as those with a history of accidents or DUI convictions. If one of these excluded drivers borrows the insured vehicle and causes an accident, the policy may not cover damages or injuries.|
It’s important for policyholders to check their policy to understand any restrictions or exclusions related to permissive use. In some cases, it may be necessary to add an additional driver to the policy to ensure coverage in the event of an accident.
When it comes to insuring your car, you may assume that all parts and accessories are automatically covered under your policy. However, this is not always the case. Custom equipment, such as aftermarket parts and high-end accessories, may not be covered by your auto insurance policy. In fact, many insurance companies specifically exclude coverage for custom equipment. Let’s take a closer look at this common auto insurance exclusion.
Custom equipment refers to any parts or accessories that are not part of the original manufacturer’s design. This can include everything from custom wheels and rims to specialized sound systems and performance upgrades. While adding these customizations can be a fun way to personalize your car, they can also increase the risk of damage or theft. Unfortunately, these risks are often not covered under a standard auto insurance policy.
What is Custom Equipment Exclusion?
A custom equipment exclusion refers to a specific provision in an auto insurance policy that limits or excludes coverage for aftermarket parts and accessories. Insurance companies may require a separate endorsement or rider for coverage of custom equipment. Without this endorsement or rider, any damage or theft of these parts will not be covered by your policy.
Why Do Insurers Impose Custom Equipment Exclusions?
Insurance companies impose custom equipment exclusions to limit their financial risk. While many drivers see customizations as a way to enhance the aesthetic and performance of their vehicle, insurers view them primarily as an increased risk. Custom equipment, especially high-end aftermarket parts, can be expensive to repair or replace. Additionally, modified vehicles may be more likely to attract thieves, which can also increase the risk for the insurer.
How Does Custom Equipment Exclusion Affect Your Policy?
If your auto insurance policy includes a custom equipment exclusion, it means that any damage or theft to your aftermarket parts or accessories will not be covered under the policy. This can leave you with significant out-of-pocket expenses if something goes wrong. In some cases, insurers may provide coverage for custom equipment, but only up to a certain limit, such as $2,000 or $5,000. Anything above this limit may not be covered.
Can You Get Coverage for Custom Equipment?
Yes, it is possible to get coverage for custom equipment, but it may require a separate endorsement or rider to your auto insurance policy. This endorsement can be added to your policy for an additional cost, and it will provide coverage for damage or theft to your custom equipment. Some insurers may offer this coverage as part of a comprehensive policy, but it is not always included automatically.
While customizing your car can be a fun way to make it your own, it is important to understand the potential risks involved. With a custom equipment exclusion in place, your auto insurance policy may not cover any damage or theft to aftermarket parts or accessories. To ensure that your customizations are protected, you may need to add a separate endorsement or rider to your policy. Be sure to ask your insurance provider about their coverage options for custom equipment.
Regular Wear and Tear
One of the most important things to understand about auto insurance policies is what they don’t cover. One common exclusion that policyholders should be aware of is regular wear and tear. While auto insurance is designed to protect drivers from unexpected incidents and accidents, it is not meant to cover issues that arise simply from regular use of a vehicle.
Regular wear and tear refers to the gradual deterioration that occurs in a vehicle over time through normal use. This can include things like worn brakes, tires, and other components that naturally wear down through daily use. It can also include damage that occurs as a result of the normal operation of the vehicle, such as scratches, small dents, and interior wear and tear.
It is important to note that regular wear and tear is not the same thing as damage caused by an accident or other unexpected event. In some cases, it may be difficult to determine whether a particular issue is the result of regular wear and tear or if it is the result of another incident that should be covered by the policy.
In general, auto insurance policies do not cover expenses related to regular wear and tear. If a vehicle requires routine maintenance or repairs, the policyholder will typically be responsible for covering those costs out of pocket.
To avoid unexpected expenses related to regular wear and tear, it is important to follow a regular maintenance schedule for your vehicle. This can help identify and address small issues before they become larger, more expensive problems.
|What is regular wear and tear?||What does it include?||Is it covered by auto insurance?|
|Gradual deterioration of a vehicle over time due to normal use.||Worn brakes, tires, scratches, small dents, and interior wear and tear.||No, regular wear and tear is usually not covered by auto insurance policies.|
Natural disasters are beyond anyone’s control and can result in extensive damages to vehicles. Most auto insurance policies do not provide coverage for damages caused by natural disasters, and it is important to know what your policy covers and what it excludes. Some common natural disasters excluded from auto insurance policies are hurricanes, floods, earthquakes, and landslides.
The following table provides a comprehensive list of natural disasters and if they are typically covered or excluded in auto insurance policies:
|Natural Disaster||Typically Covered or Excluded?|
|Hurricanes or Tropical Storms||Excluded in most standard policies|
|Floods||Excluded in most standard policies, may require separate flood insurance|
|Earthquakes||Excluded in most standard policies, may require separate earthquake insurance|
|Landslides or Mudflows||Excluded in most standard policies|
|Tornadoes||Typically covered under comprehensive coverage|
|Wildfires||Typically covered under comprehensive coverage|
|Hailstorm||Typically covered under comprehensive coverage|
|Lightning||Typically covered under comprehensive coverage|
As the table shows, some natural disasters may be covered under comprehensive coverage in an auto insurance policy. It is important to review your policy and discuss your options with your insurance provider to ensure that you have the appropriate coverage for your needs.
Driving Under the Influence
Driving under the influence (DUI) is a serious offense that can not only lead to legal consequences but also affect your auto insurance coverage. Most auto insurance policies have exclusions for DUI incidents. This means that if you get into an accident while driving under the influence, your auto insurance policy may not cover the damages or injuries sustained.
Here are some common ways DUI exclusions can affect your auto insurance policy:
- If you are found to be at fault for an accident while driving under the influence, your insurance company may refuse to pay for any damages or injuries.
- Your insurance company may also cancel your policy altogether or refuse to renew it, making it difficult to find affordable coverage in the future.
- In some cases, a DUI exclusion may only apply to the driver who has been convicted of the offense. This means that other drivers listed on your policy may still have coverage, but at a significantly higher premium rate.
It’s important to note that the definition of “under the influence” may vary depending on the state you live in. In some places, a blood alcohol concentration (BAC) of 0.08% or greater is considered under the influence, while in others, the limit may be lower.
Some additional things to keep in mind if you are convicted of a DUI:
- You may be required to obtain an SR-22 form from your insurance company, which verifies that you have the legally required amount of liability coverage. Obtaining an SR-22 can also result in higher insurance premiums.
- In some cases, your driver’s license may be suspended or revoked, which can also affect your auto insurance coverage.
Ultimately, DUI exclusions are put in place by insurance companies to protect themselves from having to pay for damages and injuries caused by a driver who is under the influence. It’s important to always drive sober and avoid putting yourself and others at risk. If you do receive a DUI conviction, be aware of the potential consequences for your auto insurance coverage and take steps to mitigate them.
One of the most common exclusions that can greatly affect your auto insurance policy is unlisted drivers. An unlisted driver is anyone who gets behind the wheel of your vehicle without being named on your policy. If you allow someone not on your policy to drive your car and they get into an accident, it may not be covered by your insurance provider.
This exclusion is in place to prevent high-risk drivers from using another person’s insurance policy to obtain coverage. However, it can also mean added risk for policyholders who frequently lend their vehicles to friends or family members. It is essential to ensure that all potential drivers are listed on your policy to avoid any potential conflicts with your insurance provider.
If an unlisted driver gets into an accident while operating your vehicle, you could be held liable for all damages and any bodily injuries. This can result in significant financial loss for you and your family. To prevent this from happening, keep your insurance company updated with any changes that may impact who is driving the insured vehicle.
It is imperative to understand the exclusions on your policy, particularly unlisted drivers, so that you are not left vulnerable in the event of an accident. While it may seem like an additional hassle to add drivers to your policy, it can help you protect your financial and personal well-being in case of an unfortunate incident.
It’s important to note that your auto insurance policy only covers the vehicles that are listed on the policy. Any other vehicle is considered an “unlisted vehicle” and is not covered under your policy. This means that if you borrow a friend’s car or rent a car while on vacation, you may not be covered in case of an accident.
Here are some important things to know about unlisted vehicles and your auto insurance policy:
- Your policy may offer some limited coverage for unlisted vehicles. For example, if you have liability coverage, it may extend to a rental car or a borrowed car, but only if you are driving it with the owner’s permission.
- If you frequently borrow cars or rent cars, you may want to consider adding non-owner car insurance to your policy. This type of coverage provides liability protection when you are driving an unlisted vehicle that you do not own.
- If you regularly use an unlisted vehicle, such as a company car, you may need to purchase a separate policy to ensure that you have adequate coverage.
- If you are involved in an accident while driving an unlisted vehicle, the owner’s insurance will likely be the primary coverage. However, if their policy limits are exhausted, your policy may provide additional coverage.
It’s important to keep in mind that unlisted vehicles can create gaps in your coverage. If you frequently borrow cars or rent cars, it’s a good idea to talk to your insurance provider to make sure you have the appropriate coverage.
How Do Exclusions Affect Your Policy?
Once you’ve familiarized yourself with the most common auto insurance exclusions, it’s important to understand how they can affect your policy. Exclusions often come with reduced coverage, higher out-of-pocket costs, and the possibility of policy cancellation. Let’s dive deeper into these potential consequences.
Reduced Coverage During Excluded Circumstances
When an exclusion is added to your auto insurance policy, it means that specific events or circumstances will not be covered. This can result in reduced coverage during excluded circumstances, which can be very costly.
To better understand how exclusions can affect your policy coverage, let’s look at some common auto insurance exclusions and how they impact coverage.
| Exclusion | Impact on Coverage |
| — | — |
| Intentional Acts | No coverage for damage caused by intentional acts |
| Racing and Speed Contests | No coverage for damage incurred while participating in racing or speed contests |
| Commercial Activities | No coverage for accidents that occur during commercial activities, such as using your vehicle for rideshare or delivery services |
| Permissive Use | No coverage for individuals not listed on your policy who use your vehicle with your permission |
| Custom Equipment | No coverage for non-factory installed equipment, such as after-market stereo systems or custom paint jobs |
| Regular Wear and Tear | No coverage for damage that occurs as the result of regular wear and tear on your vehicle |
| Natural Disasters | No coverage for damage caused by natural disasters, such as floods or earthquakes |
| Driving Under the Influence | No coverage for accidents that occur while a driver is under the influence of drugs or alcohol |
| Unlisted Drivers | No coverage for individuals who are not listed on your policy, even if they have your permission to drive your vehicle |
| Unlisted Vehicles | No coverage for vehicles that are not listed on your policy |
As you can see, each exclusion has its own impact on coverage. In some cases, there may be no coverage at all for certain events or circumstances. This means that if an accident occurs as a result of an excluded event, you will be responsible for paying for any damages out of pocket.
It is important to carefully read your auto insurance policy to understand what is and is not covered, especially when exclusions are involved. If you have any questions or concerns about your coverage, it is important to contact your insurance provider for clarification.
Higher Out-of-Pocket Costs
In addition to reduced coverage, another consequence of auto insurance exclusions is the possibility of higher out-of-pocket costs. When an exclusion is present in your policy, it means that the insurer will not provide coverage for any damages or losses that occur under those excluded circumstances. This means that you are responsible for paying for any expenses related to those excluded incidents.
To better understand the potential impact of exclusions on your out-of-pocket costs, consider the following scenario:
Let’s say that you have comprehensive coverage on your car, which covers damages caused by natural disasters such as floods, hurricanes, and wildfires. However, your policy includes an exclusion for earthquakes. One day, an earthquake hits your area and causes extensive damage to your car.
Because earthquakes are specifically excluded from your policy, your insurer will not cover any of the damages to your car that were caused by this natural disaster. This means that you will need to pay for the repairs or replacement of your car out of your own pocket. Depending on the extent of the damage, this could result in a substantial financial burden for you.
The presence of exclusions in your auto insurance policy can have a significant impact on your overall costs in the event of an accident or other covered incident. It’s important to carefully review your policy before signing up for coverage to ensure that you understand what is and isn’t covered, and what your potential out-of-pocket expenses may be.
|Consequence of Exclusions||Example|
|Higher out-of-pocket costs||When an exclusion is present in your policy, it means that the insurer will not provide coverage for any damages or losses that occur under those excluded circumstances. This means that you are responsible for paying for any expenses related to those excluded incidents.|
Possible Policy Cancellation
If an insurer finds that a policyholder has violated one or more exclusions in their auto insurance policy, they may choose to cancel the policy. This means that the policyholder will no longer be covered under the terms of the policy and may be left without any insurance coverage at all. It’s important to note that policy cancellation can have serious consequences, including legal penalties and difficulty obtaining insurance coverage in the future.
Some of the most common reasons for policy cancellation due to exclusions include intentional acts, driving under the influence, and unlisted drivers or vehicles. In these cases, the insurer may determine that the policyholder has acted in a way that is too risky to provide coverage. For example, if a policyholder was found to be driving under the influence of drugs or alcohol, their insurer would likely cancel their policy. Similarly, if an unlisted driver caused an accident while driving the policyholder’s car, the insurer may choose to cancel the policy due to the violation of the “unlisted drivers” exclusion.
Policy cancellation can also occur if the policyholder repeatedly violates the same exclusion. For example, if a policyholder is involved in multiple races or speed contests, their insurer may cancel their policy due to the repeated violation of the “racing and speed contests” exclusion.
It’s important to understand the exclusions listed in your auto insurance policy and do your best to abide by them. Violating exclusions can result in reduced coverage, higher out-of-pocket costs, and even policy cancellation, which can have serious consequences.
In conclusion, it’s crucial to thoroughly understand the exclusions in your auto insurance policy to ensure you have adequate coverage when you need it most. The purpose of exclusions is to protect insurers from providing coverage in situations they deem too risky or outside the scope of the policy. However, exclusions can leave drivers vulnerable to financial loss in certain scenarios.
While most drivers aim to avoid exclusions by following the rules of the road and maintaining their vehicles, accidents can happen to even the most careful drivers. Understanding the most common exclusions such as intentional acts, racing, and permissive use can help you prepare for potential situations where your coverage may be limited or nullified.
It’s important to note that exclusions can vary between insurance providers, so it’s vital to review your policy thoroughly with a trusted insurance agent to understand how each exclusion may impact you. Be sure to ask questions and clarify any confusing language in your policy to avoid unpleasant surprises when you’re making a claim.
In addition to understanding your policy’s exclusions, taking steps to minimize your risk can be beneficial. For instance, avoiding reckless driving, enlisting only trusted drivers, and conducting proper maintenance on your vehicle can reduce the chances of accidents and potential exclusions.
Ultimately, the best course of action is to work with a reputable insurance provider and stay informed about the coverage you have. By doing so, you can prevent any unexpected gaps in coverage that may lead to expensive out-of-pocket costs in the event of an accident or loss.
Frequently Asked Questions
What is the purpose of auto insurance exclusions?
The purpose of auto insurance exclusions is to limit the coverage provided by the policy, and to reduce the risk to the insurance provider.
What is an auto insurance exclusion?
An auto insurance exclusion is a provision in a policy that denies coverage for certain events, situations or circumstances.
Why do insurance companies impose exclusions?
Insurance companies impose exclusions to limit their risk exposure and to keep their premiums affordable for their customers.
What are the most common auto insurance exclusions?
The most common auto insurance exclusions include racing and speed contests, commercial activities, intentional acts, permissive use, custom equipment, regular wear and tear, natural disasters, driving under the influence, unlisted drivers, and unlisted vehicles.
What is permissive use?
Permissive use refers to the act of allowing someone else to drive your car with your permission. Many auto insurance policies have exclusions that limit coverage for permissive use.
What is custom equipment?
Custom equipment refers to modifications made to your vehicle that are not standard or factory-installed. Many auto insurance policies have exclusions that limit coverage for custom equipment.
What is regular wear and tear?
Regular wear and tear refers to the gradual deterioration of your vehicle over time due to normal use. Many auto insurance policies have exclusions that limit coverage for regular wear and tear.
What happens if I drive under the influence and my policy has an exclusion for that?
If you drive under the influence and your policy has an exclusion for that, your insurance provider may deny coverage for any damages, injuries or losses you incur as a result.
What happens if I loan my car to an unlisted driver and my policy has an exclusion for that?
If you loan your car to an unlisted driver and your policy has an exclusion for that, your insurance provider may deny coverage for any damages, injuries or losses that occur while that driver is behind the wheel.
What are the consequences of policy cancellation due to exclusions?
Consequences of policy cancellation due to exclusions can include difficulty finding new insurance, higher premiums for future coverage, and potential legal and financial implications in case of any damages, injuries or losses.