It is very important to know what is not covered in your commercial/Route bus insurance policy so that there are no surprises or confusion when you start the process of making a claim. Here is a list of some such situations:
1. Unethical Driving: If during making a claim, the driver-owner is found to be driving the bus under the influence of alcohol or without a valid driving license then your commercial/Route bus won’t be covered.
2. Consequential Loss: In case of any loss/damage, which is a direct result of a certain action by the insured or the third party. For example, driving the vehicle in the land slide or the rain or in a flooded locality, leading to the damage of the engine or any other parts of Commercial/Route Bus.
3. Own Damages for Third-Party Policy holder: If you’re only going for a Third-Party Commercial Insurance for your commercial/Route bus, then act of deliberate damage and losses won’t be covered.
4. Known Wear and Tear: Any damage or loss that your Commercial/Route bus incurs because of a known cause such as damaged gear box or damaged engine because of leakage for a long time won’t be covered.
5. State of War: Any damage or loss incurring to your commercial/Route bus due to war, civil war, mutiny and so on won’t be covered.