What is not covered in my car insurance policy?

Car Insurance policies usually do not cover the following:

• Normal wear and tear or ageing of the vehicle
• Depreciation, wear and tear of consumables like tubes and tyres
• Mechanical/electrical breakdown
• Damage that occur while a person is under the influence of drugs or liquor
• Damages that occur while a person is driving with invalid driving license
• Damage due to a war, civil war, mutiny, or nuclear risk
• Claims arising out of contractual liability

Use of vehicle other purposes than what it is meant for. For example, if a private car is being used as a taxi and gets involved in an accident, the owner will not be able to claim damages.

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