What is not covered under comprehensive insurance?

What is not covered under comprehensive car insurance in Australia includes list of exclusions that are standard across insurers like NRMA, Allianz, Budget Direct and Youi. Not covered is mechanical breakdown, engine failure, wear and tear, rust, corrosion and depreciation, so old engine failure not covered. Not covered is damage caused while driving under influence of alcohol or drugs, or by unlicensed, suspended or unapproved driver, claim denied. Not covered is intentional damage or reckless driving. Not covered is damage caused by war, terrorism, nuclear. Not covered is personal belongings over $500 to $1,000 unless portable cover added. Not covered is tyres and wheels unless damaged in insured event like accident, and punctures not covered. Not covered is modifications not disclosed to insurer, like turbo, lift kit, aftermarket exhaust, claim may be reduced or denied. Not covered is use of car for commercial purposes like rideshare Uber, delivery or racing without appropriate business cover. Not covered is pre-existing damage not repaired. Not covered is driving outside Australia. Not covered is flood damage if you deliberately drove into flood water, known as intentional flood entry exclusion. Not covered is consequential loss like loss of income unless hire car option included. Not covered is unlisted driver if policy says listed drivers only. Always read PDS for exclusions, as comprehensive covers accidental, theft, fire, vandalism and weather, but not mechanical and illegal acts.