Would earthquake damage be covered under a comprehensive motor policy?

Comprehensive motor insurance typically covers a wide range of risks associated with non-collision incidents, such as theft, vandalism, fire, and certain types of natural disasters. However, coverage for earthquake damage is generally not included in standard comprehensive policies. Earthquakes are considered a specific natural calamity, and most motor insurance policies do not extend coverage to such geological risks without additional endorsements or specific types of coverage designed for natural disasters.

While there are options to include such coverages in specific areas or under certain circumstances, the majority of comprehensive policies will exclude earthquake damage by default. Therefore, regarding the treatment of earthquake damage in comprehensive motor insurance policies, the correct understanding is that it is not covered unless explicitly added through an endorsement or when specific provisions are stated.