What is not covered under Comprehensive car insurance?

Driving Under the Influence of Alcohol: Drinking and driving or driving under the influence of any intoxicating substances can significantly increase the chances of accidents. Therefore, driving under the influence of alcohol or drugs instantly voids your insurance coverage.
If an insured holder causes an accident while intoxicated, the insurer will reject their claim. This will leave them to pay for all repairs or replacements out of pocket. To put this simply, do not drink and drive.

Unauthorised or Unlicensed Driving: There can be a scenario where an insurance holder is driving without a valid license. Even if that was not intentional, they automatically lose claim eligibility if they damage their car while driving. 
Moreover, if you let someone else drive your car without a driving licence, insurance will not cover any damage costs. Insurers expect only legally authorised individuals behind the wheel. If you break that rule, you will need to cover the costs yourself.

Illegal Driving Adventures: If an insurance holder takes part in any illegal races and ends up damaging their car. Then their insurance will not cover those damages. Moreover, as a result of participating in that event, a car can be damaged due to speeding or even meet with an accident. Even in these cases, your comprehensive car insurance policy will not cover the cost of the damage.
So, taking your car off-road might thrill your inner adventurer, but your insurer will not share your excitement. Most policies provided by automobile insurance companies exclude off-road damage. So if you end up with a dented bumper or worse, you will have to pay for it yourself.

Natural or Intentional Damages: Seats fade, dashboards crack, and scratches happen; that is just part of owning a car. Insurance does not cover regular wear and tear. Moreover, there might be times when your pet gets wild, or you are rough with the interior. However, do not expect insurance coverage in these situations as well.
There are cases of insurance fraud where an insurance holder damages their vehicle on purpose to claim insurance. These acts are very risky. In these cases, insurers will not just deny your claim; they might also take legal action. Lastly, if negligence in a car’s maintenance causes any damage to your vehicle. Your insurer will not cover those damages.

Mechanical or Electrical Breakdown: If your engine fails or an electrical system breaks down, your policy likely will not help. This is because a comprehensive car insurance policy does not cover mechanical or electrical breakdowns. So, in these cases, you will need to rely on your warranty or your wallet.

Common Wear and Tear: When a car ages, its tyres wear out, paint fades, and brake pads thin down. Comprehensive insurance does not cover these routine issues. Therefore, keeping your vehicle in good condition falls squarely on you as the owner. So, to take care of your vehicle’s regular issues, you can put your vehicle down for maintenance every couple of months.

Accidental Damages: If the car of a policyholder meets with an accident and suffers damages. An insurance policy covers those damages to the car.

Natural Calamity Damage: A car can suffer damage due to the occurrence of any natural calamity, such as a flood, an earthquake, or more. In these cases, the insurance covers the cost of repair.

Accidental Fire: The comprehensive car insurance policy also covers damage to your car due to an accidental fire.

Third-party Damage: The insurer also covers any accidental damage to the third party’s vehicle or property. In some cases, they also cover a few medical aspects for the third party.

Personal Accidents: There can be a situation where the insured holder meets with a personal accident. An insurer in these cases covers the damages to the car due to personal accidents.

Theft or Total Loss: In case of theft or total loss of a car due to any incident, the insurance company will cover the insured car. This coverage will be up to the specified amount as stated in the insurance policy document.

Transportation Damage: An insurance company also covers the damage to a car during its transportation.