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What is not covered in Car Insurance?

Having at least a third-party liability car insurance policy is a mandatory requirement in India (as per the Motor Vehicles Act). However, a lot of people buy or renew their car insurance policies without even going over the documents properly.

Everyone is more concerned about what their car insurance policies cover. However, it is just as important to know what all it doesn’t cover so you’re not up for any last-minute surprises, especially during your car insurance claims!

So, do you know what is covered with your car insurance and what isn’t covered? If the answer is no, we’re here to help and simplify it for you. 


Usually, there are 3 Types of Car Insurance plans in India

  • Third-party car insurance protects you against losses that might happen in case your car causes injuries, property damage or vehicle damages to any third-party. It is also called as liability-only coverage. This is the most basic form of car insurance required by law.
  • Comprehensive car insurance covers both third-party losses and liabilities as well as any damages to your own vehicle in cases of theft, fire, vandalism, accidents, and more. Additionally, you can also opt for add-on covers in your comprehensive car insurance policy for an extra layer of protection.
  • As the name suggests, standalone own-damage car insurance is a policy that specifically covers for your own car’s damages and losses. This includes damages and losses caused due to accidents and collisions, natural calamities, fires, and thefts.

Now, even if you have the most comprehensive coverage, there are some things that are not covered by a standard car insurance policy.

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So, let’s go over some situations that won’t be covered by your car insurance: