What Is Not Covered In Car Insurance Policy ?

Damages suffered after driving without a proper license 

If the vehicle is used outside the geographical area i.e. outside India 

Damages caused due to driving under influence of alcohol or drugs 

Ordinary wear and tear due to regular usage and depreciation 

Costs insured towards general maintenance of the vehicle 

Damages caused due to negligence of the driver 

Using a private vehicle for commercial usage 

Damages caused due to speed racing, crash testing, etc. 

Damages caused due to war or war-like situations in the country, and nuclear peril 

Damages covered under a specific add-on when the add-on is not included 

Reimbursement of only 50% cost for the replacement of consumables due to wear and tear