The Company shall not be liable under this Policy in respect of:

1. Any accident, loss, damage and/or liability caused, sustained or incurred outside the land limits of Sri Lanka
2. Any claim arising out of any contractual liability
3. Any accident, loss, damage and/or liability caused, sustained or incurred whilst any Motor Car in respect of or in connection with which Insurance granted under this Policy is:
   1. Being used for any purpose within the definition of ‘Excluded Use’ as described in the Certificate of Insurance
   2. Being driven by or is for the purpose of being driven by him in the charge of an ‘Excluded Driver’ as defined in the Certificate of Insurance,
4. any accident, loss, damage and/or liability directly or indirectly, proximately or remotely occasioned by, contributed to, by or traceable to or arising out of or in connection with Cyclone, Storm, Tempest, Flood, Typhoon, Hurricane, Tornado or other atmospheric disturbances. Volcanic Eruption, Earthquake, Earth slips, Landslides, Tsunami, Tidal Waves or other convulsion of nature, invasion, the act of foreign enemies, hostilities or warlike operations (whether before or after declaration of war), civil war, strike, riot, civil commotion, mutiny, rebellion, military or usurped power, or by any direct or indirect consequences of any of the said occurrences, and in the event of any claim hereunder the Insured shall prove that the accident, loss, damage and/or liability arose independently of and was in no way connected with or occasioned by or contributed to by or traceable to any of the said occurrences or any consequence thereof, and in default of such proof the Company shall not be liable to make any payment in respect of such a claim
5. any accident loss of/or damage arising directly or indirectly whilst the Insured driving such Motor Vehicle having consumed any intoxicating liquor or any drugs or any person having consumed any intoxicating liquor or any drugs is driving such Motor Car