This policy does not cover war, terrorism, strike, riot and civil commotion, suicide, childbirth or miscarriage, insanity (unless caused solely and directly by accidental means covered under the policy), illness while the driver is under the influence of alcohol or narcotics, vehicle used for hire, racing, road rally, pacemaking, speed-testing or illegal business pursuit and driver not holding a valid driving licence. Full list of exclusions is obtainable from Berjaya Sompo Insurance Berhad upon application.