These exclusions are important, and the lawyers told us not to "mince words".
You won’t be covered under this policy if, at the time of the accident or theft you’re claiming on:
1. your bike or any trailer being towed by your bike was being used other than for a permitted use.
2. your bike was being ridden by a rider who was unlicensed and had your permission to ride your bike.
3. your bike was being ridden by a rider who has been refused bike or motor insurance and had your permission to ride your bike.
4. your bike was being ridden by someone under the influence of any drug or alcohol, with a Blood Alcohol Concentration above the legal limit set where the accident occurred. This also applies if the rider refused to take a breath or blood test as required by the law. This exclusion doesn’t apply if the bike was being ridden without your permission.
5. your bike was being prepared for or engaged in racing or any other competitive activity.
6. your bike or any trailer being towed by your bike was carrying a higher load or number of passengers than it’s built for, or is legally permitted to carry).
7. your bike or any trailer being towed by your bike was being used in an unsafe, unroadworthy or damaged condition.
8. Any legal liability for personal injury in respect of an unregistered bike – or in fact any bike being used offroad.
9. your bike was being used outside Australia.
10. there was a modification to your bike which was not street legal, roadworthy and approved by the transport department in your State.
11. your bike was unregistered and was being used on public roads at the time of the claim with your permission.
We also do not insure you under this policy for any loss, or damage caused by legal liability resulting from:
12. any person or organisation who lawfully destroys or takes away your vehicle.
13. any war whether it has been formally declared or not, or any hostilities, rebellion or revolution.
14. the use, misuse or existence of nuclear weapons or the use, misuse, escape or existence of nuclear fuel, waste or materials or ionising radiation or contamination from such fuels, waste or materials, or the combustion, detonation, fission and/ or fusion of nuclear fuel or nuclear materials.
15. the existence of, or operation of, or threatened existence or operation of chemical or biological weapon(s) or actual or threatened pollution or contamination from such weapons, or action taken by a public authority or anybody authorised by a public authority to prevent, limit, or remedy such pollution or contaimination.
16. an intentional act by you or someone acting with your consent.
We may refuse to pay a claim under this policy for legal liability that arises because you:
17. Are only liable under a contract you have entered into; or
18. have accepted liability without us agreeing to it first.
