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Old 12-27-2013, 05:28 AM   #1
crystal444
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Exclusions from insurance policy

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.
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