What is not a valid reason for an insurance company refusing to payout a claim?

	a.	A failure to maintain the car for several (3+) years.
	b.	Where the policyholder has contributed to their own loss, such as where they missed a stop sign because it was obstructed by another car and they didnt notice it.
	c.	Deliberately setting a car on fire.
	d.	A provision under the contract that states the policyholder must make all reasonable efforts to ascertain the registration/ contact details of the other parties to an accident (and then the policyholder failing to do so).