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A comprehensive insurance policy will cover you against your own loss or damage as well as third party property damage. Loss or damage could result from an accidental collision, fire, burglary, external explosion, self-ignition, lightning, theft and any malicious act by a third party.

Third party liability policy is the basic coverage that is mandatory as per the UAE law and it covers death or bodily injury to any third party/person as well as property damage caused by the insured’s vehicle. The policy does not cover damage/loss to the insured vehicle.

The current car value is calculated by comparing the average market value of the same vehicle. The car value is depreciated by 15% every year thereafter.

Comprehensive coverage can be provided as long as your vehicle is less than 10 years old. After that, the coverage will be underwritten on a case by case basis.

No Claims Discount or No Claims Bonus is a special discount on the insurance premium given to individuals who have an accident-free record for a minimum of 1 year.

Yes, We cover only Own Damage.

Agency repair is available up to 5 years from the year of manufacture of the vehicle.

Off-road cover is included for vehicles that have off-road capability (For example, Prado, Jeep, Land Cruiser, and so on).

Our policy includes AAA gold coverage and they will be able to assist you in the event of a vehicle breakdown. A card with your policy number and AAA telephone number (800 8181) will be provided in the final policy kit.

In agency repair, you can take your vehicle to the manufacturer’s authorized workshop to fix any damage due to an accident. In non-agency repair, you can take your vehicle to any of our authorized garages to fix any accidental damage.

A hire car shall be provided for the duration of repair / or claim settlement is offered up to a maximum period of ten days per policy period in the event of an incident covered under Section 2 – Loss or Damage, of your insurance policy. You only need to write to us on or call on +971 4 6014455 upon notifying a claim to avail this benefit.

You can cancel the policy in the event of either selling the vehicle or exporting the vehicle. Documents we require are either no plate certificate from the RTA, export certificate or the new registration card from the buyer. Once we have these documents, and subject to there being no claim reported against the policy, the cancellation request will be processed and a cheque for the pro-rata share of the premium will be refunded to you (subject to you having paid us the policy premium in its entirety) within 14 working days.

This is not possible as the insurance premium is calculated based on different factors including the driver’s experience.

You’ll have to obtain a police report and then contact our Service Center on 800 1 AIG (800 1 244) and give them the details. They will advise you on the next steps.

We recommend you to adhere to the following instructions immediately after an accident:

  • A police report is required by the UAE law in order to make a claim. Therefore, contact the traffic police department and wait for the police to attend to the scene of the accident.
  • Ensure that you do not block the traffic to avoid any penalty imposed by the police.
  • If there is bodily injury to the driver and/or passengers and if any of the personal items placed in the vehicle are damaged, you must inform the police and have it mentioned in the police report to claim the benefits enlisted in the policy.
  • If the vehicle is not in a driving condition or if you observe any oil/coolant leakage or any damage underneath the vehicle, the damaged vehicle must be moved to a workshop by a towing vehicle.

It is the amount that you pay to the insurance company in case of a non-recoverable claim.

We offer the following benefits for free with the car insurance policy:

  • Social perils up to a limit of the vehicle value.
  • Third party property damage up to AED 5,000,000.
  • Loss of personal effects up to AED 5,000.
  • Emergency medical expenses up to AED 6,770.
  • Key replacement (AED 360 per occurrence and AED 920 per policy period).
  • Personal injury up to AED 20,000.
  • Agency repair for brand new cars used for less than one year.
  • Oman coverage as well as own damage cover in other GCC countries.
  • Legal liability for family members.
  • Six months waiver of depreciation for brand new vehicles.
  • Off-road coverage (for all applicable vehicles).
  • Free dent repair coverage for new vehicles up to two years.

We do provide insurance for these vehicles but it is on a referral basis only and has to be approved by the underwriter.

The excess or deductible mentioned on your policy schedule is applicable for each separate accident / incident generating a damage for which there is no identified Third Party responsible according to the police / traffic court judgment.

As per the UAE guidelines, the insurer of your vehicle is required to notify the loss to TP’s insurance carrier if the estimate repair cost exceeds a pre-set amount (AED 5,000). It will take three working days for the TP’s insurer to inspect the vehicle and agree on the repair cost with the repairer. This is required to recover the expenses incurred for repairing the vehicle from the TP’s insurer and to maintain your No Claim Discount (NCD) as earlier.