That's the same for any insurance, you won't be covered for negligent or illegal acts. Basically if you do something outside the box of your own volition that's not acceptable in anything insurance becomes iffy. If you were doing the right thing, but made a mistake that led to the outcome then you can be reasonably covered. Negligence being "A failure to behave with the level of care that someone of ordinary prudence would have exercised under the same circumstances." So as long as you were following the rules, ops manual and good technique, but something happened where you had a fade moment you would be covered. Insurance covers mistakes, not negligent or illegal behavior.
Neglect in a car could be knowing your brakes and tyres are worn past safe use in the wet, but driving in the wet anyway then causing an accident because you could not stop in the acceptable distance or skid into oncoming traffic. You are then at fault and negligent, and insurance could opt out as you failed in your duty to have a roadworthy vehicle and were aware of the deficiency. If your car was in good working order and by mistake you took the corner slightly too fast, but within acceptable limits, then you would be at fault but not negligent.
Last edited by 43Inches; 17th Jul 2022 at 11:19.