• Normal wear and tear

  Wear, ageing or corrosion of parts such as brake pads, clutch plates, batteries, tyres, belts, hoses, filters and wiper blades is not covered.

• Routine maintenance

  Regular servicing and jobs such as cleaning, tuning, oil or fluid changes, AC servicing, wheel alignment and wheel balancing are not covered.

• Consumables

  Engine oil, gear oil, brake oil, coolant, AC gas, grease, battery electrolyte and washer fluid are not covered, unless replacement is required as part of an admissible repair.

• Accidental or external damage

  Loss caused by an accident, external impact, fire, flood, theft, vandalism or other external events is not covered.

• Misuse or poor maintenance

  Damage caused by hard driving, overloading, improper use, poor-quality fuel or failure to follow the manufacturer’s service requirements is not covered.

• Unauthorised parts or modifications

  Damage linked to non-genuine parts, accessories or modifications not approved by the manufacturer is not covered

• Known defects and continued use

  Continuing to use the car after becoming aware of a defect can make the warranty claim inadmissible.

• Repairs without prior approval

  Repairs started before notifying the insurer and obtaining approval are not covered.

• Parts covered by another warranty

  Repair or replacement of parts covered under the manufacturer warranty or another warranty programme is not covered.

• Excluded or unlisted parts

  Parts not included in the selected coverage or specifically excluded under the Policy Schedule and policy wording are not covered.

Note: This is an indicative list. Kindly go through the policy wordings for detailed information on car insurance exclusions.

Policy documents: Download here