Motor insurance policyholders must take ‘all reasonable steps to maintain in efficient condition the vehicle’. The insured will be excused if, having taken reasonable steps, a defect causes an accident. The negligence of a garage employee does not breach the condition unless there was negligence by the insured in delegating the work to an incompetent (Liverpool Corporation v. T. & H.R. Roberts (1964)). What is ‘reasonable’ depends on the facts. See UNROADWORTHY.