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.
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