1 - Wear and tear, breakdowns.
2 - Consequential loss
3 - Loss when driving with invalid driving license or under the influence of alcohol.
4 - Loss due to war, civil war, etc.
5 - Claims arising out of contractual liability.
6 - Use of vehicle otherwise than in accordance with 'limitations as to use' (e.g. private car being used as a taxi)
7 - War perils, nuclear perils
8 - Mechanical and electrical breakdown; failure or breakage.