Insurance

What are the inclusions and exclusions in car insurance?

Answer

3 years ago

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.

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