* Common wear and tear of the vehicle
* Loss or damage due to depreciation of vehicle
* Electrical & mechanical breakdown
* Loss or damage due to depreciation of vehicle
* Loss or damage incurred outside the geographical area of India
* Loss or damage caused when driving under intoxication
* Loss or damage caused by an unauthorized person without a valid driving license
* Loss or damage due to nuclear risks
* Vehicle being used otherwise than in accordance with restrictions as to use