The Insurer shall not indemnify for:
1) damage caused during the operation of the secured vehicle, but for which no civil liability arises in accordance with the law;
2) damage caused to the insured vehicle that caused a road traffic accident;
3) damage caused to property that was in the secured vehicle that caused the road traffic accident;
4) damage caused while using the secured vehicle during a training trip or for participation in official competitions;
5) damage that is directly or indirectly caused or contributed to by ionizing radiation, radioactive poisoning caused by arbitrary nuclear fuel, radioactive, toxic, explosive or otherwise dangerous properties of an arbitrary explosive nuclear compound or its nuclear component;
6) damage related to the loss of the commodity value of a vehicle;
7) damage caused by damage to or destruction of antiques, products made of precious metals, precious and semi-precious stones, jewelry, religious items, paintings, manuscripts, banknotes, securities, various documents, philatelic, numismatic and other collections as a result of a road traffic accident;
8) damage caused as a result of a road traffic accident if it occurred as a result of mass riots and group violations of public order, military conflicts, terrorist acts, natural disasters, ammunition explosion, vehicle fire not related to this accident;
9) damage caused to the life and health of the driver of the secured vehicle that caused the road traffic accident.
The grounds for refusal to pay insurance indemnity (scheduled payment) are:
1) intentional actions of the person whose liability is insured (the insured), the driver of the vehicle or the victim aimed at causing the insured event. The above provision does not apply to persons whose actions are related to the performance of their civic or official duty, committed in a state of necessary defense (without exceeding its limits) or in the course of protecting property, life, or health. Qualification of such persons' actions is established in accordance with the law;
2) commission of an intentional criminal offense by the person whose liability is insured (the insured), the driver of the vehicle, which resulted in an insured event
3) failure of the victim or other person entitled to receive compensation to fulfill their obligations under this Law, if this has resulted in the insurer's inability to establish the fact of a road traffic accident, the causes and circumstances of its occurrence or the amount of damage caused;
4) failure to file a claim for insurance indemnity within one year if the damage was caused to the victim's property and three years if the damage was caused to the victim's health or life, from the moment the road traffic accident occurred.