What are the exclusions under Private Car package policies?

There are certain exclusions when it comes to private vehicle insurance policies. Our car insurance policies do not cover any mechanical or electrical breakdown, normal wear, and tear, failure, or depreciation. Also, the car insurance policy will only cover 50% of the repair costs for damages that occurred to the tires or tubes of the vehicle. If a vehicle is damaged due to the driver being under the influence of alcohol or any other drug, the insurance policy will not provide coverage for the damages. Please note that the policyholder’s claim will not be approved if they did not have a valid license while driving the vehicle at the time of the accident, or even if they were using it for racing, motor trade, hire or reward.