You are not covered if your car (including any attached caravan or trailer) was: in an unroadworthy or unsafe condition that contributed to the accident being a condition that was known to and disregarded by you or the driver of your car. carrying more passengers or loaded above the legal limit or loaded in an illegal way. being used for hire or reward. being used during your full-time, part-time or casual working period as an integral means of earning an income, unless you have told us about this use and we.
