Standard exclusions as per policy terms and conditions, including:

• Over-speeding or being fined for a speed ticket.
• If the driver driving the vehicle is underage or not licensed to drive.
• Personal belongings/valuables/money and goods of any sort are not covered in the package.
• Damage to any buildings/constructions/dividers/bridges/poles/fences/etc are not covered.
•  PKR 15,000 deductible is applicable. No claim below this value shall be entertained and the mentioned amount will
  be deducted from each and every claim.
• Suicide, attempted suicide, self‐destruction or self‐inflicted injury, while sane or insane, or any attempt thereat.
• Being under the influence of alcohol, intoxicants or drugs other than in accordance with the directions of a registered
  medical practitioner.
• Any breach of law by the covered member or assault provoked by him.
• Injury (ies) caused by nuclear fusion or radioactive contamination.
• While engaging in or taking part in any naval, military or air force operation.
•  Nuclear, Chemical or Biological, War, invasion, act of foreign enemies, hostilities or war like operations (whether
  war be declared or not), including civil war, mutiny, riot, civil commotion assuming the proportions or amounting
  to a popular rising, military rising, insurrection, revolution, rebellion, conspiracy, military usurped power, martial
  law or state of siege, or any acts of any person acting on behalf of or in connection with any organization actively
  directed towards the overthrow by force of any Government or to the influencing of it by terrorism or violence.
•  HIV
•  Terrorism related events.
•  Mental or psychosomatic disorder which is not caused by a physical disease.
• Any medical cover except the ones suffered through an accident on motorway during the insured journey.