Comprehensive Motor Insurance

What is covered?

Accidental Loss or Damage to the Motor vehicle insured

• By any cause whatsoever such as but not limited to
  • Collision
• Overturning
• Fire
• Malicious Damage
• Vandalism
• Natural calamities i.e. storm, flood earthquake, hailstones etc.
• External Explosion
• Theft
• Whilst in transit (inland within UAE)
• Additionally
  • Personal Belongings i.e. Clothing & Personal effects
  • Emergency medical expenses up to AED 500 per person
  • Personal Accident cover for driver up to AED 10,000 only
  • Windscreen Damage cover (without affecting your No Claims Bonus)
• Geographical area of coverage
  • United Arab Emirates
  • Sultanate of Oman

Comprehensive Motor Insurance

Third party Liability

• How does Third party Liability arise?
  • Person driving the vehicle is at fault

  &

• Bodily injury occurs to Third party and / or
• Third party property is damaged
• Who is a Third Party?
  • Pedestrians ( i.e. people on public or private roads)
  • Occupants of other vehicles
  • Occupants (other than driver) of own car
  • Persons inside buildings / structures
  • Owners of Propert

Limits of Liability to Third parties

Any amount decided by the Courts i.e. Unlimited in respect of

• Death
• Bodily injury
• "Diya" i.e. Blood Money
• Medical expenses
• Loss of earnings
• Compensation for permanent disability

Any amount decided by the Courts or negotiated by insurance companies in respect of

• Property damage up to an overall limit of AED 1 million for
  • Other vehicles
  • Damage to buildings / structures
  • Property inside buildings / homes / shops etc.
  • Damage to Municipal Property e.g.
  • Road signs, Plants and Shrubs, Fences

What is not covered or payable under the policy?

• Consequential loss
• Use by unauthorized person
• Unlicensed person
• Driving under influence of Alcohol / Drugs
• Outside geographical area
• Use for hire or reward
• The excess – a fixed and agreed amount that is usually deducted from each and every claim for damage to own vehicle

For a competitive quote please download the motor proposal form and e-mail or fax back to us.

We can obtain quotes from the following insurance companies

AIG
AXA Insurance
Royal & Sun Alliance
Qatar Insurance
Al Buhaira National Insurance
Al Sagr National Insurance
Arab Orient Insurance
Oman Insurance
Tokio Marine & Fire Insurance Co.