If for example a computer box fails electronically and ignites – setting the vehicle alight causing it to burn out – the fire damage to the vehicle will not be excluded, but the electronic failure of the computer box will be excluded (if it could be determined during the investigation of the claim as the cause of the damage).Īnother example would be where the prop shaft of a vehicle breaks due to mechanical breakdown and is flung underneath the vehicle damaging the floor panel and rear suspension. If the mechanical breakage was caused by some or other external factor – for example where a petrol attendant inadvertently putting petrol instead of diesel in a vehicle’s fuel tank – the consequential mechanical breakage to the vehicle’s engine will be covered*. This brings us to the next challenge: when are these types of breakdowns excluded? Mechanical, electronic and electrical breakdowns, failures or breakages are only excluded if they were brought about by some or other inherent defect in the vehicle itself. Understanding exclusion in terms of mechanical, electronic or electrical breakdown
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