What’s not covered and Excess & Agency repair

What’s not covered (high-level)

Wear & tear; mechanical/electrical breakdown (unless caused by an insured event); racing/track use; undeclared modifications; use outside permitted territory; unlicensed or under-age drivers; intoxication; fraudulent claims.
For full details, see your policy wording and endorsements.

Deductible

Deductible applies per claim; amount depends on T&C’s.

Agency repair

Available per policy terms and model year; non-agency or preferred garage applies beyond the cutoff or if not selected..