Car Insurance Exclusions
Always look out for exclusions where claims will not be paid out in event of an accident or other event.
Some exclusions as follows:
Motorcar is driven by a person who is not an authorised driver.
Policy purchase has a restriction on age of drivers. E.g. Age Limit at 40 years. Therefore anyone below the age of 40 if drives the car and met with an accident will not be covered.
Person driving the car does not have a valid driver’s license, suspended from driving or under the influence of drug or alcohol.
There are more to be named however it varies from different insurance companies.
Therefore always read through the policy and understand your coverage well. (See: Buying Car Insurance: You Better Shop Around)