While Simba Car Subscription offers comprehensive insurance coverage, there are certain exclusions and situations that are not covered. Understanding these exclusions is crucial to ensure you know when you may be liable for costs. Here’s what typically might not be covered:

1. Intentional Damage or Negligence:

• Exclusions: If the vehicle is damaged due to intentional acts or gross negligence on the part of the driver, such incidents are typically not covered by insurance. This includes actions such as deliberately causing damage, reckless driving, or using the vehicle in a manner not intended by the manufacturer.

2. Driving Under the Influence:

• Exclusions: Any damage, injury, or liability resulting from driving under the influence of alcohol, drugs, or any other intoxicants is usually not covered. This is a standard exclusion in most insurance policies to promote safe and responsible driving behaviour.

3. Unauthorized Drivers:

• Exclusions: If the vehicle is driven by someone who is not listed as an authorized driver on the subscription, any accidents or damages incurred during that time are generally not covered. It's important to ensure that all potential drivers are registered and approved by Simba.

4. Personal Belongings:

• Exclusions: Items inside the vehicle, such as personal belongings, are typically not covered in the event of theft, loss, or damage. This means that if your laptop, phone, or other personal items are stolen or damaged while in the car, the insurance will not cover the cost of replacing them.

5. Unreported Incidents:

• Exclusions: Failing to report an accident or damage to Simba within a reasonable time frame can result in the insurance not covering the incident. It’s important to notify Simba as soon as possible if an incident occurs.

6. Wear and Tear:

• Exclusions: Regular wear and tear, such as minor scratches, tire wear, and other normal degradation of the vehicle over time, is not covered by insurance. Subscribers are generally responsible for maintaining the vehicle in good condition.

These exclusions are important to consider when using a Simba Car Subscription, as they define the limits of the insurance coverage provided. Always review your specific insurance policy for detailed information on coverage and exclusions. If you have any questions, contacting Simba’s customer service for clarification is recommended.