This coverage excludes:

A Motor Vehicle found to be driven by a person who does not hold a valid license corresponding to the type of vehicle driven, according to the relevant laws and regulations, or in the event that an order is issued by a concerned authority for the forfeiture of the Driver’s license, or if the license was expired at the time of the Accident unless it was renewed within (50) business days from the date of the Accident.

The Deductible amount stated in the Policy Schedule.

Consequential loss or denial of usage.

Manufacturingdefectsand

damages resulting due to the usage of the Motor Vehicle or from mechanicalorelectrical

malfunctions.

Damage, loss or theft of tires, rims, and/or hubcaps (wheel covers), unless such loss or damage occurred thereto at the time of the covered Accident.

Death or physical injury to the Insured or the Driver.

Emergency medical expenses.

Loss or damage to goods and/or personal belongings while being loaded, unloaded or transported in or on the Motor Vehicle.

Loss or damage to any trailer unless expressly stated otherwise in the Policy Schedule.

Loss or damage to a Motor Vehicle as a result of theft or attempt theft due to leaving the Motor Vehicle running or abandoning the keys inside of it, or due to not shutting down the windows or closing the doors.

All additional Motor Vehicle’s accessories, apart from those already fitted by the manufacturer and whose price is already included in the original price of the Motor Vehicle, unless the type and value of such accessories are explicitly and specifically stated in the Policy Schedule.

If the Motor Vehicle is used in contravention to restrictions set forth in the Policy Schedule.

Carrying passengers beyond the permitted loading capacity of the Motor Vehicle or overloaded; if it is proven that the Accident was caused by such violation.

If the Motor Vehicle is used for any type of racing or for acceleration, endurance or speed testing.

A Motor Vehicle driven by a person under the influence of drugs, alcohol,ormedicineswhich

medically prohibit driving after taking it.

If the Motor Vehicle is being used or operated as working machinery.

Car drifting, running a red light or driving against direction of traffic if it is proven that this was the cause of the Accident according to the report prepared by the authorized entity of traffic Accidents.

A Motor Vehicle driven in areas that are normally off-limits to the public, such as airports or seaports.

Any liabilities or costs that were directly or indirectly incurred due to criminal and hostile acts committed by the Insureds and/or the Driver.

If the Driver escapes the scene of the Accident for no acceptable justification.

If it is proven in the report prepared by the authorized entity attending traffic Accidents that the Accident was caused deliberately by the Insured or the Driver.

Submitting inaccurate information or concealing material facts in the insurance coverage request.

Accidents occurring outside the territorial borders of the Kingdom of Saudi Arabian.

Any liability or expenses arising, directly or indirectly, from the following:

War, invasion, acts of foreign enemy, hostilities, warlike acts (whether war is declared or not), or civil war.

Rebellion, military or popular uprising, insurgence, revolution, usurping authority, martial laws, siege; or any events or reasons leadingtodeclaringor

continuation of martial laws, siege, or acts of vandalism and terrorism committed by person(s) working individually or on behalf of or related to any terrorist organization.Terrorismshall

mean the use of violence for political,intellectual,

philosophical,racial,ethnic,

social, or religious purposes. The use of violence includes putting the public and/or a segment of it under panic condition; affecting and/orcausingturmoil;

intervening in any operations and/oractivitiesorpolicies

related to the government; or causing turbulencenegatively

affecting the national economy or any of its sectors.

Strikes, riots, or civil or labor unrest.

What has been caused, or contributedto,bynuclear

weapons,ionizingradiations,

radioactive contamination due to any nuclear fuel or waste, or contamination due to nuclear fuel combustion. For the purposes of this exclusion, combustion shall include any nuclear fission.

The Lessee may opt to cancel any of the exclusions above, which will be included as an Additional Benefits, unless deemed to be in conflict with relevant laws.