and then there's this clause (taken straight out of the PDS)
This Policy Does Not Cover:
……..loss, damage or liability and/or compensation for damage
caused whilst any Insured Vehicle is being driven by or is in
charge of any person……
….. who is charged with driving in an Unlawful Manner or
contrary to the Road Traffic Act in Your State or Territory,
resulting in loss or damage to the Insured Vehicle/s or any
Third Party property.