Motor Insurance Terms
Motor Private Exclusions
1. Loss due to Wear and Tear
Any loss occurring due to normal wear and tear of the vehicle will not be eligible for a claim. Similarly, any form of mechanical or electrical breakdown will be excluded under the policy.
2. Damage to Tyres, Electrical equipment, or Electronics
Accident resulting from worn out tyres will not be covered. Similarly, damage to electrical equipment in the car will not be compensated.
3. Damage incurred if the insured is driving under influence of alcohol
No insurer will offer cover for damages caused to the car due to accident in case when the insured person is driving under the influence of alcohol or any other intoxicating substance.
4. Any injury or property damage caused intentionally
If the insured person has intentionally caused damage to a person or property, then he will not get any form of reimbursement under the cover. Similarly, it will not cover damage caused to the insured’s property.
5. Damage Incurred during War, terror attacks, invasion
Any loss caused to vehicle due to war, bio-chemical attack, or fire due to nuclear explosion and related events will not qualify for a claim.
6. Damage Due to Racing
Any kind of collision damage or property damage caused due to organized racing will not be cover under a car insurance policy.
7. Outside Geographical Limit
Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area mentioned in policy.
8. Valid Driving License
If the vehicle was being driven by a person without a valid driving license.