- Where an unlicensed person was driving
- Where there was no insurance cover at the time of the accident
- Where there is change of ownership of the vehicle insured
- Statute barred claims; that is, where the claim was not submitted within the period stated in 3 above
- Using the vehicle without the Insured's consent
- Using the vehicle for unauthorized purposes
- Using the vehicle whilst the driver is drunk
- The police report is needed to help establish liability
