Motor insurance or car insurance is compulsory by law and it is mandatory for you to have at least third party car insurance before you start driving your car. When it comes to insurance policies, some things come with an asterisk mark. The things that are covered are given a bold font, but most terms and conditions are mostly in fine print. Regardless of the fact that the coverage includes third-party motor insurance and own damages cover, getting a hang of the terms and conditions can be complex. So, here is a list of some situations when damage or loss to your car is not covered, to help you better understand the exclusions:

Expired policy

If your policy is not in force and needs a renewal, you won’t be able to access the insurance cover.  Motor insurance needs to be renewed without any break (some companies offer a grace period for a predefined period of time to let you renew the insurance) because it is an annual contract. If your car gets damaged after the expiry date and before its renewal, the damage won’t be covered.

Drunk driving

If the insured is driving under the influence of drugs or alcohol, the loss won’t be covered.  Also, if a situation occurs where some other person is drunk driving the same insured car and this is known to the insurer, then also the coverage isn’t provided.

Contractual liability

If a policyholder has a contractual liability towards the insured asset, in this case, the car, then also, no coverage will be provided. Contractual liability is the claim that can arise if the policyholder has entered into a contract. For example, if the policyholder has pledged his or her car to a person (like against a loan) for a specific period of time, and if a situation occurs where the pledged person damages the car while driving, the loss to the car at that time, if any, won’t be covered by the insurance.

The above mentioned situations are some instances where the loss and damage to your car will not be covered. It is important that you know about the situations where you know the cover will not be provided.