3. Any claims where the defendant cannot be traced or does not hold valid motor insurance.
4. Any claims occurring from use of the Insured Vehicle for motor racing rallies, speed trials or competitions of any kind.
5. Any claims made or legal proceedings between the Insured and Insured Persons.
6. Any claim where the Insured Vehicle found to be in an unroadworthy condition or does not have a valid MOT certificate at the time of the Insured Incident.
7. Any claim not reported to Us within 90 days of the occurrence of the Insured Incident.
8. Any claims that an Insured Person is indemnified for under any other policy of insurance.
9. Any claims for fire, theft, personal injury and death.
10. Any claims which would in the normal course of events fall to be heard by a Court other than the Small Claims Court.
11. Any claim or counter claim made against You by the Defendant.
12. Any claim arising from ionizing radiation or contamination from irradiated nuclear fuel or from any nuclear waste.
13. Any claim arising from riot or civil commotion, war, invasion, acts of hostility by foreign powers, confiscation, nationalization, requisition, or damage to property by or under the order of any government..