Yes, there are exclusions or general incidents that will not be covered by the insurance policy. Please note, that the inclusions and exclusions are stated in your insurance policy document. Thus, it is of utmost importance that you know all your insurance inclusions and exclusions.

Furthermore, inclusions and exclusions vary across insurance providers so don’t think all companies will cover/ not cover the same situations.

General exclusions of two-wheeler insurance policies:

- Times of wars, uprising, and nuclear risks

- Damage caused a person who does not have a driving license

- Wear and tear of two-wheeler parts or electrical issue in any of the parts

- Riding after consuming alcohol or any other substance

- Damage caused when you have been riding outside specific geographical limits. In case you use your two-wheeler in countries such as Bangladesh, Nepal, Sri Lanka, Bhutan, and Maldives, you will not get insurance coverage.

- Damage caused to tyres or tubes without an accident

- Depreciation of vehicle

- Use of vehicle for illegal purposes

- Limited liability for own damages

- Deductibles