Comprehensive car insurance policies offer extensive coverage.  If you opt for add-on covers you will get even wider coverage. However, car policies come with some exclusion and here are some of the major ones;

• Electrical or mechanical breakdown

• Depreciation

• Driving under influence of drugs or alcohol

• Intentional Accidental loss

• Wear and Tear of vehicle

• Contractual liability

• Speed testing

• Vehicle driven without valid license

• Consequential loss