There may be services like offroad insurance, agency repair, personal accident cover , personal belongings cover etc. that may not be covered in a car insurance policy. However, these services can be availed by paying an additional cost. Also there are certain situations which may invalidate your claim and your policy may not cover. For example

• Driving without a license
• Driving under the influence
• Overloading the vehicle beyond specified capacity
• Withholding or intentionally providing misleading information
• Intentionally damaging the car by initiating an accident
• Using the vehicle for any purpose other than that mentioned expressly in the insurance policy
• Filling a claim three years after the incident