What are the Inclusions and Exclusions in Car Insurance?

The cover offered by all car insurance policies are different for different insurance companies, but the most common inclusions and exclusions in car insurance are as follows:

What is Covered (Inclusions)

Cover for damages happened to your vehicle

Cover for damages happened because of man-made disasters

Damages to property

Theft

Personal accident cover

Cover for damages caused by natural calamities

What is Not Covered (Exclusions)

Damages caused by the vehicle when it was being driven by someone who was under the influence of alcohol, drugs or any other form of intoxicants

Damages caused to the vehicle while being used for illegal purposes

Accidents that are considered fraudulent by the insurer

Damages incurred by the vehicle when it was being driven by someone who does not have a valid driving license and who has not attained the legal driving age.

Damages incurred by the vehicle when the driver was breaking traffic rules

Damages happened to the vehicle when the car’s insurance policy had expired

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