The policy does not cover liability in respect of death disablement or injury or any loss or damage caused by:-

• War group of perils nuclear perils
• Intentional self injury suicide insanity breach of law
• Malicious or willful injury or neglect or overloading or strain unskilled treatment
• Theft of accessories unless the cart itself is stolen
• Theft clandestine sale of the insured animal
• Wear and tear depreciation consequential loss and dismantling of cart for the purpose of repairs.
• Any accident to the cart which is driven under the influence of drugs or drinks
• Partial disability of any type whether permanent or temporary to animal
• Compensation under more than one item of Section III of policy
• In case of driver partial disability of any type other than the disability mentioned in Section III above.
• Any liability by virtue of an agreement
• (The details furnished above do not constitute the entire terms conditions and exceptions of the policy; for further details please contact our nearest office)