What are the exclusions under Private Car package policies?

The exclusions are:

  • Consequential loss, depreciation, wear, and tear, mechanical or electrical breakdown, failure, or breakages.
  • Any damage to tires and tubes unless the vehicle is also damaged at the same and the liability of the insurer will be restricted to 50% of the cost of replacement; and
  • If the private car is driven by a person who is under the influence of intoxicating liquor or drugs at the time of loss.
  • Driving without a Valid Driving License.
  • Using the vehicle for hire or reward, carriage of goods other than samples, racing, and other racing-related purposes and motor trade purposes.