It is agreed and declared that this policy provides indemnity for liability arising out of vehicles registered by the Insured in excess of any underlying motor or liability policies and will provide difference in conditions coverage within the terms and conditions of this policy.

Indemnity provided by this endorsement does not extend to any liability in respect of vehicles registered in (state your country) except as provided in policy in exclusion 4.7.

Notwithstanding the above no indemnity is provided where a driver has been charged with driving under the influence of drugs or alcohol unless indemnified by underlying statutory insurance.

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