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What types of damages are not covered under the policy?

There are some finer points which are not covered under the policy and they are wear & tear mechanical / electrical breakdown failure or breakages damages to the tire, unless the motor care is damaged at the same time. Any damage taken place due to the driver being under the influence of intoxicating liquor or drugs. If the vehicle is being driven by a driver who is not holding a valid license for driving. If the vehicle gets damaged outside the geographical limits as specified in the policy.