In every insurance policy document, there is a list of inclusions and exclusions that you, as policyholder, must be aware of. This is true for every kind of insurance- life, health, car, two-wheeler, etc.

Here are a few of the general inclusions and exclusions of car insurance policies:

Inclusions

Exclusions

All damages caused to your car

Damages caused if you're caught driving under the influence of alcohol

Personal accident cover, in case of death or permanent disability in an accident

Loss and damages that are caused due to war and nuclear risk

Financial protection from natural calamities such as floods, earthquakes, etc.

Accidental damages caused while you were using your car for illegal activities

In case of theft of vehicle

Losses incurred while driving without valid license

Man-made disasters including riots, strikes, fire, and terrorism is covered

Regular mechanical expenses due to consistent wear and tear

Do note, this list of inclusions and exclusions is indicative and not exhaustive. Furthermore, inclusions and exclusions vary across insurance providers, so ensure you read and understand your policy document very carefully.