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