Exceptions on a car insurance policy are those perils or risks that are not covered under the policy. While some exceptions can be removed on payment of an additional premium there are other exceptions listed in your policy document under specific exceptions – those cannot be removed under any circumstance.

Some examples of specific exceptions that could be listed in car insurance policies are:

• Damage to your car while you are actively taking part in a riot of any kind or taking part in a civil commotion.
• If you or anyone else is driving your car without a licence or has an endorsed licence for negligent, reckless or drunken driving.
• Driving under the influence of alcohol or drugs.
• Driving a car that is not roadworthy as defined in the legislation relating to roadworthiness.
• Using your private car to earn an income such as carrying paying passengers or giving driving instruction.
• Using your car for racing or in competitions.
• Using your car in certain countries outside South Africa; the countries which are covered will be defined in your policy.
• Loss or damage covered under the Road Accident Fund.
• Someone used your car without your authorization and you refuse to lay a criminal charge against this person.

These are specific exceptions to all car insurance contracts but there may also be other exclusions – check your policy document for details.