What is NOT covered, even after paying the excess?

Some damage sits outside cover, meaning you're liable for the full cost. This includes overhead damage (anything above the windscreen line), underbody damage, and kerb or gutter damage to the underside, wheels or rims. It also includes damage from driving into water, using the wrong charger type, tyre and rim damage beyond normal wear, and lost keys or access devices.

Anything arising from a major breach of the terms (for example an unauthorised driver, or prohibited use) is also excluded. If you have an incident, tell us promptly and we'll walk you through what applies.

Updated on: 02/06/2026