Any damage or loss caused by normal wear and tear, depreciation, mechanical or electrical breakdown, or failure. Any damage or loss caused by driving under the influence of alcohol or drugs, driving without a valid license, driving against the law, or driving for racing or competition purposes. Any damage or loss caused by war, civil unrest, terrorism, nuclear risk, or any other malicious act. Any damage or loss caused by intentional or deliberate act, fraud, or negligence by the insured or any other person. Any damage or loss to accessories, tyres, tubes, batteries, etc., unless the vehicle is damaged at the same time.