We will not pay any claims in respect of:

a) More than three Alloy wheel claims in any twelve- month period.

b) Where the damage of Your Alloy Wheels is deemed to be a manufacturing defect.

c) Theft of Alloy Wheels.

d) Cracked or buckled Alloy Wheel(s).

e) Alloy Wheels with split rim construction or with chrome effect finishes.

f) Non- standard or aftermarket Alloy Wheels.

g) Damage caused by driving whilst a tyre is deflated or because of tyre replacement.

h) Damage present on any Alloy Wheels prior to the start of this policy.

i) Any deliberate damage caused by You or any omission on Your part.

j) Failure of the Approved Repairer to match the cosmetic finish of any other Alloy Wheel on the Vehicle.

We will not pay any claims in respect of:

a) Wear and Tear, including any unevenly worn Tyres caused by defective steering geometry

b) Outside manufacturer's recommended limits, or wheel balance; failure of a suspension component or shock absorber or which in the opinion of a qualified engineer was caused wholly or partly from a lack of maintenance e.g. incorrect Tyre pressure. More than three Tyre claims for Vehicles or two Tyre(s) claims for motorbikes in the Period of Insurance Tyre(s) fitted to Vehicle

d) Which have been modified in any way from the manufacturer's specification, or

e) Any Damage where the fault or Damage occurred before the inception of this insurance, or

f) Incurred due to the Vehicle being driven following the initial failure.

g) Caused by fire, any road traffic accident, or where the Vehicle is a total loss.

h) Where Damage is caused to any other part of the Vehicle by the same incident

i) Which is part of a road traffic accident or road risk insurance claim.

j) Loss of whatsoever nature arising directly or indirectly, in whole or in part, due to any act or omission which is wilful, unlawful or negligent on Your part.

k) Any malicious Damage claim, which is not accompanied by a valid and substantiated crime reference number.

l) Theft of the Tyre(s).

m) Any claim where at the time of Damage the Tyre tread depth is less than 2mm across the full tread area of the Tyre.

n) Manufacturing defects or faults including manufacturer's recall.

o) Tyre(s), which are not 'E' Marked and any claim where there has been an attempt to remove the serial number or other identifying marks from the Tyre(s).

1) Damage that existed before the inception date or within the Waiting Period of Your policy

2) Vehicles over 3500kg gross weight.

3) More than 3 claims within a 12-month period

4) The Excess, which will be payable by You.

5) VAT where You are VAT registered.

6) Owned temporarily or otherwise (resulting from trade-in or acquisition for the purposes of resale) by a business formed for the purposes of selling or servicing motor vehicles, or

7) Used for competition, including track days, racing, pace making, hire or reward, off road use (including all Quad Bikes), driving school, transportation of goods, delivery courier, public service vehicles or designed to carry more than eight people including the driver, or

8) Any costs incurred in excess or outside the liability under this insurance including any for Consequential Loss, depreciation, or diminution in value.

9) Faults in workmanship or materials, or any Consequential Loss following repairs paid for by Us on Your behalf. It is Your responsibility to meet any Repairer charges in excess of or rejected as not being Our liability.

10) Any direct or indirect consequence of war, civil war, invasion, acts of foreign enemies (whether war be declared or not),rebellion, revolution, insurrection, military or usurped power, or confiscation, nationalisation, requisition, destruction of or damage to property by or under the order of any government, local or public authority.

11) Any direct or indirect consequence of terrorism as defined by the Terrorism Act 2000 and any amending or substituting legislation.

12) Any direct or indirect consequence of: Irradiation, or contamination by nuclear material; or the radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter; or Any device or weapon which employs atomic or nuclear fission or fusion or other comparable reaction or radioactive force or matter.

13) Any consequence, howsoever caused, including but not limited to Computer Virus in Electronic Data being lost, destroyed, distorted, altered, or otherwise corrupted. For the purposes of this Policy, Electronic Data shall mean facts, concepts and information stored to form useable data for communications, interpretations, or processing by electronic or electromechanical data processing or other electronically controlled hardware, software and other coded instructions for the processing and manipulation of data, or the direction and manipulation of such hardware. For the purposes of this Policy, Computer Virus shall mean a set of corrupting, harmful, or otherwise unauthorised instructions or code, whether these have been introduced maliciously or otherwise, and multiply themselves through a computer system or network of whatsoever nature.