You may not be covered by your insurance if:

-someone else, who is not included in your car insurance policy, drives your car

-your car is found to be unroadworthy. Third party claims should still be accepted

- you have bought a stolen vehicle,  even if you did not know it was stolen when you bought it.   Third party claims should still be accepted

-you are driving someone else’s vehicle

-you do not have a valid driving licence. Third party claims should still be accepted

- your insurer believes that you have been partly to blame for an accident, it may only pay part of           your claim

- your insurance does not cover all your losses, for example time off work, personal injuries, vehicle  hire, or excesses . You may be able to claim these expenses from the other driver, but you may have to go to court and may need legal advice

-your insurer has gone out of business and is unable to meet their claims You may be able to get             compensation from the car insurance company. call 11 19 20 on australia area for further     informations.