Coverage under this Part IV will not apply for loss:

5. to any vehicle caused by an intentional act committed by or at the direction of you, a relative, a rated resident, or the owner of a non-owned auto, even if the actual damage is different than that which was intended or expected;

7. due to destruction or confiscation by governmental or civil authorities of any vehicle because you, any relative, or any rated resident engaged in illegal activities;

11. to any vehicle caused directly or indirectly by: a. war (declared or undeclared) or civil war;

b. warlike action by any military force of any government, sovereign, or other authority using military personnel or agents .This includes any action taken to hinder or defend against an actual or expected attack; or

c. insurrection, rebellion, revolution, usurped power, or any action taken by a governmental authority to hinder or defend against any of these acts;

13. to any vehicle caused by, or reasonably expected to result from, a criminal act or omission of you, a relative, a rated resident, or the owner of a non-owned auto . This exclusion applies regardless of whether you, the relative, the rated resident, or the owner of the non-owned auto is actually charged with, or convicted of, a crime .For purposes of this exclusion, criminal acts or omissions do not include traffic violations