It’s important to know what you’re covered for and what you aren’t when considering car insurance policies. Here are 5 insurance exclusions to keep in mind.

1. Driving under the influence

An insurer isn’t likely to cover you if you get behind the wheel with drugs, alcohol over the legal limit or certain prescription medicines in your system.

2. Unapproved modifications

If you’re planning to alter your car’s paintwork, engine, suspension, wheels or body, it’s in your interest to check with your insurer first. Unauthorised modifications may lead to future claims being reduced or refused.

3. Gradual depreciation

Car insurance is usually designed for accidents, so the normal depreciation process isn’t likely to be covered. This can include:

  • Rust/corrosion
  • Mould
  • Mildew
  • General wear and tear

4. Restricted and unlicensed drivers

If you have added a restricted driver cover option, (e.g. restricting cover for drivers under 25 years,) you may not be covered if the restricted driver has an accident while driving your car. Similarly, if you let an unlicensed person drive your car, you risk having your claim denied.

5. Overloading your vehicle

By carrying more passengers or load than your car is permitted to, you may put yourself at risk of voiding your car insurance. Towing may be an exception to this, however you’ll need to check with the car’s manufacturer to find out how much you can safely move.

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Things you should know

This article is intended to provide general information of an educational nature only. It does not have regard to the financial situation or needs of any reader and must not be relied upon as financial product advice.

Car Insurance is provided by CommInsure, a registered business name of Commonwealth Insurance Limited ABN 96 067 524 216 AFSL 235030 (CIL). CIL is a wholly owned non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124 (The Bank). The Bank does not guarantee the obligations or performance of CIL or the products it offers. Where we refer to 'we', 'us' and 'our', we mean CIL. As this information has been prepared without considering your objectives, financial situation or needs, you should, before acting on this, consider the appropriateness to your circumstances.

Product Disclosure Statement  is available at all Commonwealth Bank branches, by downloading them from or by calling 13 2423 and should be considered before making any decisions about this product. You should also read the Financial Services Guide and Privacy Policy which are also available by calling 13 2423. The target market for this product will be found within the product’s Target Market Determination, available here.