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