Things Your Car Insurance Policy May Not Cover

If you are a car enthusiast then keeping your car in the best condition must be a priority for you. In order to keep it protected from any unforeseen incidents, you must have covered it with a car insurance policy. As they say, purchasing something is easier than maintaining it for years to come. The insurance policy plays a crucial role in keeping your car in good condition as well as cost effective for you.

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While purchasing car insurance policy, it is important to be thorough. Read all the benefits of the policy as well as the terms and conditions of that policy. Since you want what is best for your car, make sure that you go through the number of covers it provides as well as the things it does not cover because that might come as a shock for you when expect your insurance policy to cover it and it does not.

So, here are some of those things that your car insurance policy may not cover.

Personal Belongings

You might think that your personal belongings like mobile phone, handbag, etc must be covered under your car insurance policy in case they are stolen along with the car or get damaged in a car accident, but they are not. Car insurance only covers the damage caused to the car in an accident and as well as if you have a personal accident cover then it will cover any injury or even death of the people inside the car.

Personal belongings can be covered under a homeowner policy even if they get damaged in a car accident or stolen from the car. You can consider purchasing both car as well as homeowners insurance as your insurance provider might offer you discount. It is because many insurance companies offer discount to the policyholder who purchase multiple insurance policies.

Accessories & Custom Parts

Many car owners have a thing for custom parts. They usually upgrade their cars with custom paint job, big wheels, stereo system, custom woofers, etc. Even if you have a comprehensive cover, it will not provide cover for these custom jobs and accessories.

As there are almost endless options for customizing your car, it is advised that you read the policy properly so that you know about the coverage and purchase an add-on that provides cover for custom parts if available.

Commercial Use

If you have purchased your car for a personal use then it should be used for your personal and family related matters. But if you decide to use it commercially like a cab and get it registered with OLA or Uber which are cab renting companies then your existing car insurance will not provide you cover for it.

Since there are insurance policies available for commercial vehicles, you can opt for those policies and make sure that you get the right coverage for your car. Purchase the right insurance policy that can serve you right.

Damage to Tyres & Tubes

Well, there is no use of a car without tyres and tubes. Tyres and tubes are like the soul of a car and they must be taken care properly. Since tyres stay in the constant use, one has to make sure that their grip on the road is still good. In case the tyre gets naked, it can cause serious accidents as it would skid every now and then whenever you apply brakes.

After a few months those tyres can burst out as well while you are driving on high speed. The Car insurance policy does not provide cover for any damage caused to the tyres of the car. So it is better that you check your car’s tyre every now and then and replace it once they go naked.


Once you purchase a car, make sure that you use it for your personal reasons and get it covered under a comprehensive car insurance policy. Also, while purchasing a policy make sure that you read it thoroughly and if you feel the need then ask for the add-ons available to your insurance provider.

It is advised by the insurance experts to purchase car insurance policy online. It is advised because purchasing a policy online is cost-effective, you can compare different plans, You won’t have to go through any of the offline hassle, you can calculate the premium rates of the policy, renew the policy on time and purchase car insurance add-ons and even remove the ones you do not require.

Written By: PolicyBazaar - Updated: 29 July 2021
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