Overview

Normal wear, tear and general aging of the vehicle
Depreciation or any consequential loss
Mechanical/electrical breakdown
Wear and tear of consumables like tires and tubes
Vehicles including cars being used otherwise than in accordance with limitations as to use
Damage to/by a person driving any vehicles or cars without a valid license
Damage to/by a person driving the vehicle under the influence of drugs or liquor
Loss/damage due to war, mutiny or nuclear risk

Auto Insurance Exclusions: Basics

Motor Insurance FAQs on Claims

If you are wondering whether you can claim insurance for your vehicle damaged in another city than where the policy was issued, get your answer right know. And, answers to many more questions. ......

What motor insurance covers vs. What it excludes

Motor insurance covers natural and man made calamities, such as lightning, floods, and so on, third party legal liability, and personal accidents. It doesn't cover normal wear and tear, depreciation, ......

Auto Insurance Exclusions: Opinion

What motor insurance covers vs. What it excludes

What is the amount I need to insure my vehicle? / What is IDV?

Vehicles are insured as per their IDV. IDV is ex-showroom price minus depreciation, registration, and insurance.a ......

Does the motor insurance policy automatically cover all my high-cost accessories such as music system, extra fittings, etc?

Accessories are not essential to the performance of the vehicle. Coverage for these accessories can be added separately in the insurance policy. ......

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