What motor insurance covers vs. What it excludes

• Fire
• Explosion
• Self-ignition or lightning
• Flood
• Typhoon/hurricane/storm/tempest/inundation/cyclone/hailstorm/frost
• Landslide/rockslide
• Fire and shock damage due to earthquakes

• Burglary
• Housebreaking or theft
• Riots or strikes
• Accidents by external means
• Malicious acts
• Terrorist activity
• Damage whilst in transit by road, rail, inland-waterway, lift/elevator, or air

Third party legal liability: A mandatory part of the insurance cover, it protects the vehicle owner against legal liability arising due to an accident, causing any permanent injury or death of a person or any damage caused to property.

Personal accident cover: The motor insurance plan compulsorily provides personal accident cover for individual owners of a vehicle while driving. The owner can also opt for personal accident cover for passengers in the vehicle.

What it excludes:

Typically, the motor insurance plan does not provide for:

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