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ronald.chis@googlemail.co · Guest

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Vehicle insurance policies cover losses caused to the vehicles.
However, all losses are not covered under the insurance

policy. The Insurance companies do not provide a complete coverage
from all risks, losses and liabilities.

Certain risks and damages are expressly excluded from the insurance
coverage. Further there are certain deductibles from the

insurance claims. So one will not get the full reimbursement of the
loss incurred in case of any damage to the vehicle. Usually

such 'exclusions' and 'deductibles' are specifically mentioned in the
policy document.

While taking an insurance policy, one should carefully go through
these clauses so as to ascertain the insurance coverage

provided by the insurance company and the risks one needs to bear
himself. A few of these risks can still be covered by

paying an extra premium for the same to the insurance company.

The Insurance Company shall not be liable in respect of the following:

Any accidental loss, damage or liability caused or sustained outside
the geographical area Any claim arising out of any

contractual liability Any accidental loss, damage or liability caused
sustained or incurred whilst the vehicle insured is:

Being used otherwise than in accordance with the 'Limitations as to
Use' or Being driven by a person other than a driver as

stated in the Driver's Clause. Any accidental loss or damage to any
property or any loss or expense resulting or arising there

from or any consequential loss Any liability of whatever nature caused
directly or indirectly by ionising radiations or

contamination by radioactivity from any nuclear fuel or from any
nuclear waste from the combustion of nuclear fuel.

Any accidental loss, damage , liability caused directly or indirectly
from nuclear weapons material Any accidental loss,

damage or liability arising out of war, invasion, the act of foreign
enemies, hostilities or warlike operations, civil war, mutiny,

rebellion , military or usurped power or by any direct or indirect
consequence of any of the said occurrences .

In the event of any claim the insured shall prove that the accidental
loss, damage or liability arose independently of and was in

no way connected with any of the said occurrences. In default of such
proof, the Insurance Company shall not be liable to

make any payment in respect of such a claim In addition to the
exclusions there are some deductibles from the claim.

The Insurance Company shall not be liable for each and every claim for
loss of or damage to the vehicle insured in respect of

the deductibles. The deductibles depend on the type of vehicle .

The Company shall not be liable to make any payment in respect of the
following damages: Consequential loss, depreciation ,

wear and tear, mechanical or electrical breakdown, failures or
breakages Damage to tyres and tubes unless the vehicle is

damaged at the same time in which case the liability of the company
shall be limited to 50 percent of the cost of replacement.

Any accidental loss or damage suffered whilst the insured or any
person driving the vehicle with the knowledge and consent of

the insured is under the influence of intoxicating liquor or drugs.
The costs of repairs and replacements would have to be borne

by the insured himself.
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