What do car insurance policies not cover?

Car Insurance in UAE will cease to exist in the following circumstances:

• If the driver drives with an invalid driving license or under the influence of intoxicants such as alcohol, drugs and meets with an accident.
• In case the insured automobile was overloaded or was encumbered beyond the defined capacity.
• In case false or misleading information is provided to the insurance provider at the time of buying the insurance plan or if it is proved that the damage/accident was caused intentionally.
• In case the insured vehicle is used for any purpose (unethical purposes) not mentioned in the insurance policy.