General Wear & Tear : Any losses occurring due to normal wear and tear of the vehicle will not be eligible for a claim.
Mechanical Failure : Any form of mechanical or electrical breakdown, failure of chassis, or body parts, or breakage due to rusting or other weather conditions will not be considered for a claim.
Tyre & Tube Damage : Damage to tyres is not covered unless the tyres were damaged in the same accident or unless ‘Tyre Protector’ addon is included in the policy.
Consequential Damage : Any damage caused to your car that is not a direct result of the accident for which you’re making a claim. E.g. After the accident, if the damaged car is driven in a way that causes damage to your engine.
Cost of Consumables : Cost of replacing or refilling the consumables in the event of an accident is not covered. Consumables are materials that need to be replaced or refilled frequently – like nuts, bolts, screws, engine oil and coolant – and once used are consumed completely.
Damage to Engine (Non-accidental) : Losses incurred due to damage to car’s engine or its parts (like crankshaft, piston, pins, cylinder and gearbox) are not covered in this plan. Select ‘Engine Protector’add-on to cover these losses.
Driving Without Valid License : Your claim will be denied if you were driving without a valid driving licence.
Driving Under Influence : Your claim will be denied if you were driving under the influence of alcohol or drugs or any other intoxicating substance.
Commercial Usage : Your claim will be denied if you were using your private car for commercial purposes at the time of the accident.
Damage Due To Racing : Your claim will be denied if you were using your car for racing at the time of accident.
Deliberate Damage : Your claim will be denied if the damage to your car was intentional, deliberate or premeditated.
Involvement In Riots : Your claim will be denied if your car was damaged due to riots in which you were involved.
Damage due to war or invasion : Any losses due to damage caused directly or indirectly caused by war, invasion, the act of foreign enemies, hostilities or warlike operations (whether before or after declaration of war), civil war, mutiny rebellion and military are not covered.
