Following features are usually not covered in car insurance:
Loss or damage if a policy is not in force.
Gradual wear and tear of car and its parts.
Loss or damage to vehicle when driven by person without a valid driving license.
Loss or damage to vehicle as a result of intoxication due to drugs, alcohol etc.
Loss or damage to engine as a result of oil leakage.
Loss or damage to vehicle as a result of abuse of car manufacturer's guidelines.
Only follow this rules and participate car insurance