What is not covered by comprehensive?

What is not covered by comprehensive car insurance in Australia is important to understand because many drivers assume comprehensive means everything, but there are standard exclusions. Comprehensive does not cover mechanical breakdown, wear and tear, or manufacturing defects, for example engine failure due to lack of oil or old age is not covered, you need warranty or mechanical breakdown insurance. It does not cover damage when driving under the influence of alcohol or drugs over 0.05, or when the driver is unlicensed, disqualified or using drugs. It does not cover intentional damage, reckless or dangerous driving, or damage while using the car for racing, rally, track days or driver training unless you have declared motorsport cover. It does not cover damage when using your car for rideshare like Uber or delivery like Uber Eats if you have not declared business use and paid extra premium. It does not cover personal belongings over a small sublimit, typically only $500 to $1,000 for personal items is covered, so expensive laptops or tools need separate cover. It does not cover loss of use beyond hire car limits, for example if your car is in repair for 3 months you only get 14 to 21 days hire car. It does not cover depreciation, so if your car loses value after repair, that is not covered. It does not cover damage to tyres from punctures or road damage unless part of an accident, and it does not cover windscreen damage from gradual deterioration. It also does not cover damage in war, terrorism or nuclear events.