- Commercial vehicle or vehicle for commercial use;
- Accident happened out of HKSAR Region;
- Ilegal driving or driving during license suspension;
- Dangerous driving, drunk driving, drug driving;
- Diagnosis by doctor that one is not suitable for driving;
- The insured vehicle is being driven by a person who is under 25 years of age or a person who has not held for a period of 2 years a driving license.
This is not a complete list of exclusions. Please read your policy or Certificate of Insurance carefully for a full listing of exclusions. If you have any questions please contact us for details.