Been in an accident? Claim exclusions

Claim exclusions

Claim exclusions

Claim exclusions

There are some circumstances in which a claim with the MAIB would be excluded from the payment of benefits. They include, but are not limited to:

  • Where the injured driver does not hold a drivers licence of the appropriate class.
  • Where the injuries are suffered by the owner of (or in some cases the passenger in) a vehicle which did not have an MAIB premium paid at the time of the accident.
  • Where the injured person is covered under Workers Compensation Insurance.
  • Where the injured person is covered under other Compulsory Third Party insurance.
  • Where the injuries suffered by the driver or passenger of a motor vehicle who knew or ought to have known that no MAIB premium had been paid.
  • Where the injury is sustained in a motor vehicle race.
  • Where the motor vehicle was being used in the commission of, or in the furtherance of the commission of, an offence an offence of dishonesty or violence, the injured person being a party to the use of that vehicle for that purpose.
  • Where the injured person is convicted of a serious offence such as manslaughter, causing death by dangerous driving, causing grievous bodily harm by dangerous driving, reckless driving, driving under the influence or other.
  • Where the personal injury results from that person intentionally causing or attempting to cause the personal injury to himself or herself or any other person.

If you think you may be excluded for one of the reasons noted above, please lodge a claim and we will assess it and advise you. If the claim is unable to be accepted, we will provide you with a letter to supply to the medical providers involved in your care so that they may take appropriate steps in relation to their costs.