Normal wear and tear and general ageing of the insured vehicle
Depreciation or any consequential loss
Vehicle used otherwise than limitations as to use
Damage by a person driving any vehicle without a valid license
Damage by a person driving the vehicle under the influence of drugs or liquor
Mechanical/electrical breakdown
Wear and tear of consumables like tyres and tubes unless the vehicle is damaged at the same time
Loss/damage due to war, mutiny or nuclear risk