POLICY EXCLUSIONS

• Gross negligence violation of rules/guidelines framed by the organisers/school/college authorities in the places of tour including overloading of vehicle boat yachts pleasure crafts influence of drugs alcohol intoxicating drinks and the like
• Outbreak of rivalry/dispute/violence among the group for any reason whatsoever
• War nuclear group of perils terrorism
• Suicide or attempt thereat self-inflicted injuries aggravation of an accidental injury resulting from non-adherence to medical advice directions etc (discontinuing or irregular intake of medicines)
• Loss or damage due to wilful misconduct and also any loss or damage or liability arising out of any act of commission or omission in which the insured or any member of his household is involved as principal or accessory
• Death or disablement due to pregnancy or child birth
• Consequential loss/Legal Liability of any kind or description.
• Depreciation wear & Tear Cracking Scratching Breakage of lens or glass Theft from a car except from a car of fully enclosed saloon type having all the doors and openings securely locked and properly fastened.