For most of the insurance companies, the car insurance policy is only applicable if the car is used for social domestic purposes and for the car owners business.

It does not cover the usage of the car for various purpose like for hire , carriage of goods as samples or personal luggage, organized racing, pace making, reliability trade or any purpose in connection with motor trade.

In the policy, the insurance company is repeatedly mentioning that they are not liable, for any damage if the vehicle is used for non specified purposes.