• The applicable insurance excess has not been paid in full.
• A GIA report has not been lodged.
• The primary motor insurance policy has not been activated.
• The accident was settled privately.
• The protection add-on was not selected before the commencement of the booking.
• The claim is found to be fraudulent or contains false or misleading information.
• The vehicle was used for illegal or unlawful activities.
• The driver was found to be speeding, driving recklessly, driving under the influence, or engaging in unsafe or unlawful driving behaviour leading up to the accident.