Personal Accident Insurance policy does not insure, nor will any payment of any kind be made for "bodily injury" caused wholly or partly, directly or indirectly by: An accident that occurs while under the influence of alcohol or narcotics, unless prescribed by a "physician"; Suicide, attempted suicide or intentionally self-inflicted injury; Engagement in an illegal occupation or activity, committing or attempting to commit a felony; Travel in any manner other than within the enclosed portion of the “rental vehicle”, this exclusion only applies to the “passenger”. An accident that occurs while participating as a professional in a prearranged or organized race or testing of a vehicle; "Bodily injury" expected or intended from the standpoint of the "insured"; Loss arising out of the operation of the "rental vehicle" by any driver who is not authorized by the "rental agency" to operate the "rental vehicle"; Liability arising out of, or benefits payable under, any uninsured or underinsured motorist law, first party benefit law or no-fault law, or any similar law to the foregoing, in any state; ”Bodily Injury” due to war, whether or not declared, or any act or condition incident to war. War includes civil war, insurrection, rebellion or revolution. This exclusion applies only to liability assumed under a contract or agreement. We will make no payment if the "renter" converts the vehicle rented from the Lessor. For the purposes of this Policy, we will deem the "renter" to have converted the "rental vehicle" whenever the "rental vehicle" is not returned to the “Rental agency” by the return date or by the extended return date as shown in the "rental agreement". Aircraft travel, except as a passenger in a licensed aircraft on regularly scheduled flight; Personal Effects Coverage policy does not apply to: Any property not owned by the "insured" for other than their personal use, adornment, or enjoyment. Animals, "motor vehicles", "motor vehicle" equipment, motorcycles, water craft, motors, or other conveyances or their appurtenances, household or office furniture, business personal property or equity, contact lenses, glasses, artificial teeth or limbs, currency, coins, deeds, bullion, stamps, securities, negotiable instruments, debit or credit cards, fund transfer cards, tickets, documents or perishables. Loss or damage caused by or resulting from: an "accident" which occurs while the "insured" is under the influence of alcohol or narcotics, unless prescribed by a physician; Loss arising out of the use of a "rental vehicle" when such use is in violation of the conditions of the "rental agreement"; Loss arising out of the operation of the "rental vehicle" by any driver who is not an "insured"; Any "insureds" liability for damage to the "rental vehicle"; or Any loss of or damage to the "insureds" property, expected or intended from the standpoint of the "insured". “Property damage” due to war, whether or not declared, or any act or condition incident to war. War includes civil war, insurrection, rebellion or revolution. This exclusion applies only to liability assumed under a contract or agreement. Against loss by nuclear reaction or nuclear radiation or radioactive contamination, whether controlled or uncontrolled, and whether such loss is direct or indirect, proximate or remote, or is in whole or in part caused by, contributed to, or aggravated by the peril(s) insured against by this policy. Property while in the care, custody, or control of any common carrier. Loss or damage due to unexplained or mysterious disappearance. Loss or damage due to theft unless reported to the police or other competent authority.