a) Intentional damage or damage due to gross negligence on the part of the driver.
b) Damage resulting from the driver being under the influence of alcohol, stimulants or sedatives, or in any other way incapable of driving the vehicle in safe manner.
c) Damage due to race or test driving.
d) Damage due to war, revolution, civil unrest or riots.
e) Damage done by animals.
f) Holes burned into seats, carpets or mats.
g) Damage affecting only wheels, tires, suspension, batteries, glass (other than windows), radios, or loss by theft of parts of the vehicle and damage resulting from this.
h) Damage caused by driving on rough roads to the vehicles transmission, drive, other parts that are in or attached to the chassis; damage to the chassis resulting from scraping the bottom on rough roads as a result of ridges being left by the road graders; stones lodged in the road surface or on the shoulder of the road. The same applies to damage occurring when stones are thrown up, striking the underside of the vehicle during driving.
i) Damages resulting from driving in places where vehicle traffic is banned, such as paths, tracks, banks of snow, ice, unbridged rivers or streams, beaches, places only accessible at low tide, or other trackless areas.
j) Damages caused by sand, gravel, ash, pumice, or other kinds of earth material being blown onto the vehicle. Only SADW (Sand and Ash Damage Waiver) covers damages caused by sand, gravel, ash, pumice, or other kinds of earth material being blown onto the vehicle - please refer to General provisions.
k) If the vehicle is transported by sea, no compensation will be paid for damage caused by sea spray/seawater.
l) Damage to vehicles caused by driving on roads marked with an F in public maps as well as driving on Kjölur (Road 35) or Kaldidalur (road 550)
m) Lessors loss because of the vehicle being stolen.
n) Water damage to the vehicle.
In other instances, reference is made to the general provisions for accident/all-risks insurance.