Motor Insurance

Third Party Liability covers damage or injury caused to other people, their vehicles, or property. It does not cover damage to your own vehicle.

Yes. Coverage is subject to underwriting approval based on vehicle type, value, and risk profile.

Yes. Coverage depends on vehicle age, condition, and underwriting assessment.

Yes. Trailer cover is available depending on policy type and selected add-ons.

Oman cover is available as an optional extension depending on your policy.

Roadside Assistance is typically available within the UAE. GCC coverage depends on policy terms and extensions selected.

A Young Driver is typically defined as a driver below 25 years old or with limited driving experience. Additional excess or premium may apply.

Yes, provided they hold a valid driving licence. Policy excess may apply at the time of claim as per policy conditions.

Yes. The claims history and driving record may impact pricing.

Motor Insurance policies are typically issued for 13 months.

Yes. You will need to provide proof of sale or ownership transfer.

Yes. Policy refund is subject to unified motor policy wordings as per CBUAE and applicable cancellation fees.

Refunds are calculated based on short-rate basis subject to unified motor policy wordings as per CBUAE and applicable cancellation fees.

Motor Insurance policies cannot be transferred to another owner. A new policy must be issued.

Excess is the amount you must pay towards a claim before the insurer pays the remaining amount.

Multiple excesses may apply if multiple conditions are triggered, such as Young Driver excess plus standard excess.

Claim timelines depend on documentation, police report, and repair approvals. You will receive updates throughout the process.

Payments are processed via bank transfer or directly to the repair workshop depending on claim type.

• Agency Repair: Repairs completed at manufacturer-authorized workshops.
• Non-Agency Repair: Repairs completed at approved network garages.

Lifetime Agency Repair may be available for eligible vehicles based on policy selection.

Repairs are completed at authorized agency workshops or approved network garages based on your policy.

Services may include:

• Mechanical breakdown assistance
• Accident towing
• Battery boost
• Flat tire replacement
• Fuel delivery
• Lock-out assistance

Phone & WhatsApp: 600 544 040

Vehicle category depends on policy terms and availability.

Cash reimbursement may be available depending on policy terms and eligibility.

Yes, if Car Hire Allowance is included in your policy and subject to claim eligibility.

The Sum Insured is the maximum amount payable for total loss or theft of your vehicle.

It is based on market value, vehicle age, condition, and depreciation.

NCD is a discount on your premium for each claim-free year.

Usually when transferring insurance from another insurer or renewing with proof of claim-free history.

You can renew via our website, mobile app, or our branches. You may also reach out to us via email, WhatsApp or call to renew your policy.

You will receive 1-click renewal notifications via SMS & email. Our team will also reach out to you before your renewal is due.

Driving without valid insurance is illegal and may result in fines and penalties.

Typically required:

• Police report
• Vehicle registration (Mulkiya)
• Driving license
• Photos of vehicle damage
• Contact details

Yes. All vehicles must have valid Motor Insurance to be legally driven on UAE roads.

Coverage depends on policy type and police report classification.

Yes. Towing is available through Roadside Assistance services.