A standalone own damage insurance cover will not cover third-party liabilities.
2. Negligence or a deliberate act of the owner to get a claim, won’t be covered.
3. When a car owner is under the influence of alcohol or drugs, damages caused will not be covered.
4. If the driver was not carrying a driving license, then the claim will not be approved.
5. Nuclear peril or civil wars are not covered
6. Consequential damages (that take place after an accident) are excluded from the cover.