Authorized Broker|Online Convenience

Authorized Broker| Online Convenience

Comprehensive Car Insurance


A comprehensive car insurance is an extensive motor insurance plan that covers the insured vehicle against both, own damage and any third-party liabilities. It is the highest level of protection you can give your car and covers unforeseen incidents such as an accident, fire, theft or natural calamity. Comprehensive car insurance cover can be purchased for vehicles up to 10-15 years.


The Company shall compensate the Insured for loss or damage that occurs to the Insured Motor Vehicle and its accessories while in the vehicle, including damaged parts and spare parts, in the following cases:

  • If loss or damage arises from an accidental runover, collision, turnover, or incident, or as a result of an unexpected mechanical breakdown.
  • If loss or damage arises from an external fire or explosion, spontaneous combustion or lightning.
  • If loss or damage arises from robbery or theft.
  • If loss or damage arises from a third-party willful act.
  • If loss or damage occurs during land transport, inland water transport, elevators or lifting machinery including loading and unloading processes related to the afore mentioned transport processes.
  • The liability for injuries and damages arising from the use of the Insured Motor Vehicle to a Third Party /Injured Party.
  • Damage to a Third Party’s property up to AED 2,000,000 however a few insurers increase up to AED 5,000,000.

Any additional coverage to be agreed upon under the insurance policy or special riders (Add-on Covers) to it

Roadside Assistance

The following cover will only apply if listed on your schedule.

Roadside Assistance services will be provided by a dedicated company to all motor customers and the services will include but not limited to the following:

  • Vehicle Towing Assistance

    If there is a breakdown or accident, the Roadside Assistance Company will tow the vehicle to the nearest garage in UAE.

  • Battery Boost Service

    Where the vehicle’s battery is dead for whatever reason, the Roadside Assistance Company will jump start the vehicle to enable the Members to carry on with their journey (no new and/or replacement of battery will be provided), or will tow the vehicle to the nearest garage.

  • Flat Tyre Service

    The Roadside Assistance Company will change the flat tyre with a spare tyre. If no spare tyre is available, The Roadside Assistance Company will tow the vehicle to the nearest garage (no new tyre and/or replacement of tyre will be provided).

  • Lock Out Service

    If keys are locked inside the vehicle, The Roadside Assistance Company will attempt to gain access to key to enable the members to carry on with their journey. If the Roadside Assistance Company is not able to access the key, your vehicle will be towed to the nearest garage within UAE.

  • Emergency Fuel Delivery Service

    The Roadside Assistance Company will deliver emergency fuel direct to the Members and the Members only have to pay the cost of the fuel.

  • Vehicle Registration Service

    One complimentary car registration service will be provided to you by The Roadside Assistance Company. The reservation must be done 48 hours prior to registration. You must provide the documents and information as required by the traffic authorities to avail this service. You are also responsible for the settlement of any traffic fines and other traffic department charges. Insurance Company appointed roadside assistance company will collect the vehicle key and documents from you within the city in which the vehicle is registered as mutually agreed. The free, vehicle registration renewal, service does not apply to any commercial vehicle or motorcycle, and it is valid for a single attempt only. The service does not apply if you are exporting, selling or transferring your vehicle.

Loss of Personal Belongings

Coverage shall be extended to include loss of or damage to rugs, clothing and personal effects whilst such property is in the Insured Vehicle where such a loss or damage is occasioned by fire, lightning or external explosion or theft by violent and forcible means or accident external means, provided that: .

  • The maximum amount payable under this benefit shall not exceed the limit mentioned on the policy schedule in respect of any one claim or series of claims resulting from one accident.

The company shall not be liable in respect of:

  • Any such property carried in open top or convertible vehicle or any vehicle incapable of being securely locked or unlocked vehicle or open to the elements.
  • Any such property insured under any other insurance policy.
  • Jewellery and articles of gold, silver and the like.
  • Money, stamps, tickets, securities, documents, cards of every kind and description.
  • Goods or samples carried in connection with any trade or business.

Ambulance Fees

The Company will reimburse the Insured or pay directly to the ambulance service, usual and/or customary charges/service fees incurred due to provision of ambulance services up to AED 6,770 per injured person as a result of a road traffic accident where the Insured Person’s medical condition required evacuation from the place of accident for Immediate Medical Treatment to a hospital/medical facility.

Key Replacement

If the car keys and/or locking transmitter of the Insured Vehicle are lost or stolen, insurer will pay the specified. The Company will indemnify the Insured for the cost of replacement of such window or windscreen and any payment in respect thereof shall be subject to the following.

Police report is required, and policy excess will apply.

Geographical Expansion (Sultanate of Oman)

The following cover will only apply if listed on your Schedule. Subject otherwise to the same terms, conditions, exclusions and limitations of the said policy, the geographical area for Section 1 (Loss or Damage) is extended to include the Sultanate of Oman. You will not be covered under section 2 (Third Party Liability) as this cover (orange card) must be purchased Separately.

Strike, Riot & Civil Commotion (SRCC)

The following cover will only apply if listed on your Schedule.

The cover under Section 1 (Loss or Damage) is extended to cover the Insured in respect of loss of or damage to the Insured Vehicle caused by: Strike, Riot or Civil Commotion which does not assume the proportion of or amounts to popular uprising.

Specific Limitations

Bodily injury to driver and passengers at the time of SRCC is subject to the following:

  • The Motor Policy covers PAB (Driver & Passengers).
  • The accident occurred while driver is in the car during the event and there should be a damage to the car as well.

Car Replacement

The following cover will only apply if listed on your schedule.

Car replacement is a financial benefit where company will pay for a hire car as per the limits specified on the policy schedule.

Off Road Coverage – (Only for SUVs with Off-Road Capability)

The following cover will only apply if listed on your Schedule.

The Policy is extended to cover loss or damage to the covered Vehicle while driven off-road.

  • Private use SUV vehicles with 4WD (4 wheel-drive) capability only are eligible for this extension of cover.
  • The Insured shall bear an Excess of double the standard policy Excess stated in the Policy Schedule in the event of an admissible off-road claim.

The following are considered out of scope for off-road extension of cover and the Company will bear no liability to pay claims for losses and/or damages originating by them:

  • Commercial type vehicles
  • Vehicles driven for business purposes
  • Racing or Competitive events and or Dunes bashing

Valet Parking Theft

The following cover will only apply if listed on your schedule.

The Company shall indemnify the Insured for theft of the Insured Vehicle while in the custody or control of hotels or shopping malls which the Insured does not own and where the Insured Vehicle has been parked by their authorized driver.

Windscreen Damage

Coverage shall be extended to include indemnity to the Insured up to limit specified on the policy schedule, in the event of breakage of the window or windscreen of the Insured Vehicle, where this is the only damage to the insured vehicle other than scratching of bodywork resulting from the breakage.

Natural Perils

The following cover will only apply if listed on your schedule.

The cover under Section 1 (Loss or Damage) is extended to cover the Insured in respect of loss of or damage to the Insured Vehicle caused by: Flood (provided the Vehicle is not driven), storm, hurricane, volcanoes and earthquake.

Waiver of Depreciation – Brand New Vehicles

The following cover will only apply if listed on your schedule.

If the Insured Vehicle is under 1st hand ownership, purchased from an authorized dealer and less than 6 months old to 12 months old, based on year of manufacture (unless otherwise specified in your Policy Schedule) and is declared a total loss, the Company shall pay for either a brand-new replacement model or for the original purchase value, whichever is lower.

Specific Limitations

  • This shall apply for brand new Vehicles only subject to one claim per policy year.

Emergency Medical Expenses

The following cover will only apply if listed on your schedule.

The Company will pay to the Insured the reasonable cost of medical expenses incurred in connection with any accidental Bodily Injury to the Driver and/or insured and/or any occupant of the covered Vehicle as the direct and immediate result of an accident to the covered Vehicle provided that:

  • The liability of the Company shall not exceed AED 2000 to 5,000 in respect of any one accident, unless otherwise specified in Your Policy Schedule.

Agency Repair

The following cover will only apply if listed on your schedule.

If Inside Agency Repair is included in your Policy, as shown in your Policy Schedule, the Policy is extended to include accidental damage repairs of your Insured Vehicle at the manufacturer’s authorized dealers within the UAE. If You do not have this cover then company shall select one of our own approved garages to undertake the repairs.

Personal Accident

Under this endorsement, insurance company undertakes to ensure the Personal Accident for the Insured and the Driver of the Vehicle and the passengers employed by the insured if they are injured during and as result of work. A person is considered a passenger if he/she is inside, getting in or out of the Vehicle.

Policy has been extended to include the above-mentioned persons, and the Company undertakes to pay compensation in accordance with the Scale provided below for death or bodily injury as hereinafter defined sustained by the above-mentioned persons and caused by violent, accidental, external and visible means which independently of any other cause shall within three calendar months of the occurrence of such injury result in:

Provided always that:

  • Compensation shall be payable in respect of any such person arising out of any one occurrence and the total liability of the company shall not in the aggregate exceed the sum of Dh.200,000/- during any one period of insurance for any one person.
  • No compensation shall be payable in respect of death or bodily injury for passengers in excess of the authorized seating capacity of the insured vehicle.
  • No compensation shall be payable unless the approval of the Insured and the injured person, their legal heirs, or their legal representatives has been obtained.


No compensation shall be payable in respect of death or bodily injury directly or indirectly, wholly or in part, arising or resulting from or traceable to:

  • Intentional self-injury, suicide, attempted suicide, physical defect, infirmity or mental impairment.
  • The driver is under the influence of narcotics or alcohol that undermines the driver’s ability to control the vehicle or medical drugs for which driving is medically prohibited.
  • If it is proven that the vehicle was in a speed race or test.
  • The driver intentionally involves oneself in unnecessary risks.
  • If the driver is not authorized to drive the vehicle at the time of the accident or he/she was driving without the permission of the owner such as when the vehicle is stolen or robbed.

Subject otherwise to all terms and conditions of the above-mentioned policy, including the exclusions stated in the policy.

Scale of compensation sum insured:

  • Death Dh. 200,000/-
  • Total and irrecoverable loss of all sight in both eyes AED 200,000/-
  • Total loss by physical severance at or above the wrist or ankle of both feet or of one hand together with one-foot AED 200,000/-
  • Total loss by physical severance at or above the wrist or ankle of one hand or one foot together with the total and irrecoverable loss of all sight in one eye AED 200,000/-
  • Total and irrecoverable loss of all sight in one eye AED 100,000/-
  • Total loss by physical severance at or above the wrist or ankle of one hand or one-foot AED 100,000/-
  • Permanent Partial Disablement – As per the percentage of disability decided by the Medical Official Committee

Special Cover

Sports and Luxury Cars

The major difference between insuring a traditional car and a luxury car is of course, the costs. The higher the value of your car is, the higher the costs are for insuring it. Insurers view luxury cars as elevated risk due to their extremely high value and would entail more expensive replacement parts or repairs. Some brands that fall under the luxury car category include Ferrari, Lamborghini and Bentley.

It is important to note that there are two main types of luxury cars: high-performance vehicles (HPVs) commonly known as sports cars and high-value vehicles (HVV) commonly known as luxury sedans. HPV brands usually cost more to insure than HVV types because sports cars are associated with higher risk rates and profiles.

Also, insurances for second-hand luxury cars are relatively cheaper than brand new cars because their value quickly depreciate. Once a brand-new car is purchased and driven out of the showroom, its value starts to decrease. At the same time, brand new luxury cars are considered easier to insure thanks to their higher safety ratings and safety features.

Premium Calculation Parameters

The overall rate of your car premium is affected by certain vital factors:

  • Age of Car And Driving Experience

    The age of the car plays a significant role in the calculation of premium rates of car insurance. An expensive and new car needs proper protection and care, and it is vital to get comprehensive coverage for your car without fail. In case a new car faces damage and repair, it will prove to be very costly. Thus, if you go in for a comprehensive insurance cover, you may not have to spend anything from your pocket. For older cars, third-party liability will be sufficient, and thus, less premium will have to be paid.

  • Your Car Type And Features

    Whether you have an old model or the latest car, the type, and features of your car which you have selected provide a substantial role in the premium car insurance rates in UAE. Expensive cars like a sports car or luxury car will lead to heavy expenses when you replace or repair them as they are found to be rare and cost much for their spare parts. Ratings of cars and the safety features of models are all factors determining the calculation of premiums.

  • Excess Or Deductibles

    In case, you are willing to contribute money for damage in case of a car accident caused by you; it is calculated as an excess or deductible. If you are ready to pay the excess price, your premium rates will be lower. In some cases, excess refers to the fixed amount in whatever situation or damage.

  • Non-Agency Or Agency Repairs

    In case your car agency or dealership does the repairs, it is called agency repairs. If an external garage mechanic performs the repairs, it is referred to as non-agency repairs. This can be accredited by your insurance company. Agency repairs can be included or added in your policy, but you need to bear the extra cost.

  • Non GCC specification vehicles

    Vehicles imported from other countries with non GCC specifications will be granted comprehensive cover by a few insurers only. The cost of insurance and deductible is high compared to GCC cars. Even though it is brand new car however agency repairs are not considered.

  • Optional Features

    The value of each add-on cover varies, and you will be charged extra for each add-on like car hire, off-road cover, roadside assistance, etc. You need to carefully consider each feature when picking your insurance policy from insurers, as they differ based on your lifestyle.