Comprehensive car insurance provides extensive coverage for your vehicle. However, there are certain things that a comprehensive car insurance policy does not cover. 

Some common exclusions include:

  • Wear and tear: Comprehensive car insurance typically doesn’t cover general wear and tear or mechanical breakdowns.
  • Collision: It does not cover any collision of your car with another vehicle or object. 
  • Intentional damage: If damage to your vehicle is caused intentionally, this will likely be excluded from your coverage.
  • Driving under the influence: Accidents caused while driving under the influence of alcohol or drugs are usually not covered.
  • Illegal activities: Damage incurred while engaging in illegal activities or driving without a valid license is not covered.
  • Destruction or confiscation by government or civil authorities: Damage resulting from government actions or confiscation is typically not covered.
  • Using your vehicle for delivery purposes: Comprehensive insurance generally does not cover vehicles used for commercial purposes like delivery services.
  • Vehicle used for car-sharing programs: Some insurers may exclude coverage if your vehicle is part of a car-sharing program.
  • Electronic equipment: Any electronic equipment that is not permanently installed in your vehicle may not be covered.

Limitations of comprehensive car insurance

Here are some limitations of comprehensive insurance:

  • Policy limits: Your policy will have a maximum limit, which means the insurer will only cover costs up to a certain amount.
  • Deductible: You’ll need to pay a deductible before your insurance kicks in to cover the remaining costs.
  • Personal belongings: Comprehensive insurance may not cover personal items inside your car that are damaged or stolen.

Final thoughts

Remember to carefully read your policy documents to understand all the exclusions and limitations that apply to your comprehensive car insurance. If you have questions or concerns, contact your insurance provider for clarification.

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