What does fully comprehensive car insurance not cover?

What fully comprehensive car insurance does not cover in Australia includes several common exclusions that drivers should know. It does not cover mechanical breakdown, engine failure, wear and tear, rust or depreciation, so if engine fails due to age, not covered. It does not cover damage caused by driving under influence of alcohol or drugs, or by unlicensed or unapproved driver, claim will be denied. It does not cover damage caused intentionally or by reckless driving. It does not cover tyres, wheels and accessories unless specified and damaged in insured event, and does not cover personal belongings inside car beyond $500 to $1,000 limit unless portable contents cover added. It does not cover consequential loss like loss of income, unless hire car option included. It does not cover driving outside Australia. It does not cover unlisted driver if policy says listed drivers only, or driver under age limit. It does not cover modifications not disclosed, like turbo or lift kit. It does not cover damage to your car if used for commercial purposes like rideshare Uber without business cover, or racing and track days. It does not cover pre-existing damage. It does not cover flood if you deliberately drive into flood water, known as intentional flood entry exclusion. So fully comprehensive covers accidental damage, theft, fire, vandalism, hail and storm, but not mechanical, DUI, wear and tear and undisclosed mods.