covers your car against risks like theft, accident, explosion etc.
We need our car to be Insured to be able to take it on road. Other than the liability part that is compulsory, we are advised to take cover on the own damage part called the comprehensive cover policy. A lot has been said on reducing the Premium of car insurance, but cheapest not necessarily means the best. There are a lot of things that are not covered in a car insurance policy. While there are some general exclusions, there are some that may be specific to a particular plan or company. This plays a part in premium calculations as well as Claim settlement.
These are general Exclusions followed by almost all insurance companies. If an insurance company has any other exclusions, mandatory or optional, you need to check that the insurance Policy still suits your requirements. There is certainly no point in taking an auto insurance that is cheap but excludes major features.