Loss or Damage to the Insured Vehicle
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Covered
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Covered
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Covered
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Fire & Theft
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Covered
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Covered
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Covered
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Repair Conditions
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Inside Agency Repair
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1 year
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2 years
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3 years
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Outside Agency Repair
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8 years from date of first registration for brand new vehicles only
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8 years from date of first registration for brand new vehicles only
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8 years from date of first registration for brand new vehicles only
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TPL - Property Damage
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Covered up to AED 2,000,000
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Covered up to AED 3,500,000
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Covered up to AED 5,000,000
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TPL - Bodily Injury and / or Death
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Unlimited in according to UAE law
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Unlimited in according to UAE law
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Unlimited in according to UAE law
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Third Party Liability to Family members
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Covered
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Covered
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Covered
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Ambulance Service Cover
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Covered
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Covered
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Covered
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Loss of Personal Belongings
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Covered up to AED 4,000/-
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Covered up to AED 5,000/-
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Covered up to AED 6,500/-
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Emergency Medical Expenses
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Covered up to AED 3,500/-
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Covered up to AED 5,000/-
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Covered up to AED 6,500/-
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Natural Perils
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Covers as per agreed vehicle value
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Covers as per agreed vehicle value
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Covers as per agreed vehicle value
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Strike, Riot, Civil Commotion (SRCC)
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Covered up to vehicle sum insured
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Covered up to vehicle sum insured
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Covered up to vehicle sum insured
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Off Road Cover (4X4 WD)
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Covered (exclude racing), excess AED 2,500 with minimum of 10% from cost of the claim
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Covered (exclude racing), excess AED 2,000 with minimum of 10% from cost of the claim
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Covered (exclude racing), excess AED 1,500
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Windshield and Windows Damage
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Covered, policy excess applies
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Covered (no excess)
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Covered (no excess)
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Replacement Locks and/or Keys
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Not covered
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Covered up to AED 1,000
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Covered up to AED 2,500
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Waiver of Depreciation
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Policy depreciation applies
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No depreciation applies during first 6 months from 1st registration (new car)
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No depreciation applies during 12 months from 1st registration (new car)
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Car Replacement
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Covered up to AED 90 per day, 15 days during the year
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Covered up to AED 140 per day, 15 days during the year
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Covered up to AED 200 per day, 15 days during the year
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No Claim Bonus
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Claim history for last 3 years (1st year 10%, 2nd year 20%, 3rd year 30%)
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Claim history for last 3 years (1st year 10%, 2nd year 20%, 3rd year 30%)
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Claim history for last 3 years (1st year 10%, 2nd year 20%, 3rd year 30%)
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Multi Motor
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5% discount
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5% discount
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5% discount
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Territorial Limits
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|
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a. UAE
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Cover (own damage and TPL)
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Cover (own damage and TPL)
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Cover (own damage and TPL)
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b. Oman (Own Damage Plus TPL)
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TPL by orange card additional premium
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TPL by orange card additional premium
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TPL by orange card - free
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c. GCC Cover Extension - Own Damage (Excluding KSA)
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Additional premium
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Additional premium
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Additional premium
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d. GCC Cover Extension - (TPL Exclude KSA)
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TPL by orange card additional premium
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TPL by orange card additional premium
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TPL by orange card additional premium
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PA Protection for Driver & Passengers
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Optional at standard additional premium
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Optional at reduced additional premium
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Covered - free
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Protected No Claim Discount
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Optional Additional Premium
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Optional Additional Premium
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Covered
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Roadside Assistance
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Covered (free) standard
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Covered (free) standard
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Covered (free) standard
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