You are not insured when:-

• The driver is disqualified from driving.

• The driver does not have a licence or has not been permitted by you to drive.

• Any apparatus is towed that is used for your commercial business.

• Towing more than one caravan, trailer or apparatus.

• The vehicle is used for commercial travelling.

• The vehicle used for any trade or business purpose or in connection with the motortrade.

• The vehicle is used for hire or reward.

• Your vehicle is parked in an area where aircraft land or take off, or where aircraft refuel or are maintained.

• Any false statements are made in order to fraudulently make a claim under this policy.

• Your vehicle does not have a current MOT certificate (if applicable).

• You have not paid the premium from the date it was due.

• There is a material fact that occurred prior to the inception of the policy that you have not told us about, such as a conviction.