The main exclusion does not cover any loss / damage to the
vehicle and / or its accessories if caused by the following:
* Normal wear, tear and general ageing of the vehicle
* Any depreciation or any consequential loss and  mechanical / electrical breakdown
* Vehicle being used in ways or for purposes other than  those in accordance with limitations as    to use
* Any damage to / by a person driving the vehicle without a  valid license
* Any damage to / by a person driving the vehicle under the  influence of drugs or liquor