Unfortunately, insurance policies do not cover every single event and all policies contain some exclusions. Some of the more common exclusions are described below, although this list is not exhaustive.
In might seem like common sense, but don't leave your car keys unattended in or on your car. Not only does it make your car easier to steal, but the chances are if it is stolen, your insurance policy will not cover the theft of your car. TOP
 
Wear and Tear is a common exclusion under many different types of insurance contract.

Car Insurance is designed to cover accidental damage to your car, for example damage following a collinsion. All parts of a vehicle will eventually wear and subsequently fail (some quicker than others), however car insurance does not cover such breakdowns or failures. Insurance for events such as engine failure can be purchased by means of Breakdown or Warranty Insurance. TOP
 
Damage to tyres caused by braking, punctures, cuts or bursts is normally excluded. TOP
 
Once a vehicle has been repaired following an accident (particularly a serious one), the market value of the vehicle may be reduced. This reduction in market value (commonly referred to as Loss of Value) is excluded from most if not all car insurance policies. TOP
 

What's excluded from an insurance policy is just as important as what's included. Remember to check through 'what's not covered' as well as what is before entering any contract of insurance.