Frequently asked questions

Your comprehensive car insurance policy covers you against loss, damage and third-party liability. Due to the large number of accidents on the roads, we always advise our customers to opt for the comprehensive car insurance policy.

This is the most basic cover and is compulsory as per the UAE law. Third-party legal liability covers you against:

  • Death of or bodily injury to any person (excluding family members/employees)
  • Property damages for a specified sum (excluding own property)

Comprehensive cover is available for vehicles up to the age of 7 years. Vehicles over 7 years need to be referred to our motor team who will review each case and will be as supportive as possible in helping you with your requirements.

A “No Claims Discount” (NCD) is the discount given on your premium based on the experience (i.e. number of years without claims) of the driver based on availability.

The excess or deductible is the customer contribution made at the time of non-recoverable claim(s) due to an accident. Non-recoverable motor claims usually occur when an accident is caused by the insurance policy holder.