There may be services like offroad insurance, agency repair, personal accident cover , personal belongings cover etc. that may not be covered in a car insurance policy. However, these services can be availed by paying an additional cost. Also there are certain situations which may invalidate your claim and your policy may not cover. For example
Driving without a license
Driving under the influence
Overloading the vehicle beyond specified capacity
Withholding or intentionally providing misleading information
Intentionally damaging the car by initiating an accident
Using the vehicle for any purpose other than that mentioned expressly in the insurance policy
Filling a claim three years after the incident