What are the exclusions under a comprehensive motor insurance policy?

The Common exclusions or limitations in a motor insurance policy are as follows: Consequential loss depreciation, wear and tear, mechanical and electrical breakdown, failures or breakages. Damage to tyres and tubes (5% in case of mishap). Accidental loss or damage under the influence of intoxicating liquor or drugs. Method of Valuation-claim amount is to also limited by the valuation method, for example at retail value (the price a dealer pays on purchase of car), or market value (generally the mid-point between trade and retail). These values affect the premiums and what the insurer will pay out when on claim. "No water damage" exclusion damage to an engine. Excesses or sometimes multiple excesses exclusion. Sometimes, in addition to standard excess, extra excesses may be imposed like others may apply. For example, young or new drivers who haven't had a license for a certain number of years, can be liable for an additional excess. If the policyholder has had an accident within six months of obtaining cover, or between midnight and 6 am-the most dangerous time on the road-an excess may apply. And some insurers levy an additional excess on drivers older than of a certain age.