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Comprehensive motor insurance typically does not cover:

• Wear and Tear: Damage from regular use or aging of the vehicle.
• Driving Under Influence: Accidents caused while driving under the influence of alcohol or drugs.
• Unlicensed Drivers: Accidents involving drivers without a valid license.
• Illegal Activities: Damage caused while using the vehicle for illegal activities.
• War and Terrorism: Damage due to war, civil unrest, or acts of terrorism.
• Mechanical or Electrical Breakdown: Failures not caused by an accident.
• Unauthorized Use: Damage while the vehicle is being used by someone not covered under the policy.

(Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.)

Market Value coverage refers to a type of motor insurance where the compensation you receive for a claim is based on the current market value of your vehicle at the time of the loss or damage. This value is determined by the insurance company considering factors like the car’s age, make, model, and condition. It may be lower than the original purchase price or the insured value due to depreciation over time.

Agreed Value coverage is a type of motor insurance where the compensation amount is predetermined and agreed upon by both you and the insurer at the start of the policy. This agreed value does not change over time, regardless of the vehicle’s market depreciation. In the event of a total loss, such as theft or severe damage, you will be paid the agreed amount rather than the current market value.

A No-Claim Discount (NCD) is a discount on your premium for not making any claims during a policy period. The discount increases with each claim-free year, helping to reduce your insurance cost.