In the following circumstances: 1. Drink & Drive 2. No legal Driving license/not following traffic rules 3. Customer should not start while in water logged places 4. Expired insurance policy 5. If customer has changed vehicle engine/additional installations 6. Accident caused due to policyholder's negligence 7. Absence of medical aid during the hour of injury 8. Filling false information 9. Inappropriate use of vehicles 10. regular wear and tear of the car.