In most cases, standard car insurance policies in the UAE don't cover mechanical or electrical failures unless they're directly caused by an accident or another covered event.

Here's what's typically not covered:

• General wear and tear, like engine failure or battery issues.
• Mechanical faults not related to accidents, such as gearbox failure.
• Electrical breakdowns, unless caused during an insured event.
• Routine maintenance costs include expenses like oil changes and brake pad replacements.

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