We know that your car is one of your most valuable possessions and keeping it safe, sound and in good shape are of paramount importance. And, protecting your car by insuring it adequately and appropriately is always of much concern.
Comprehensive car insurance is the best option for you when you want your car to be fully covered. This insurance covers for all damages, even when you are at fault or when an accident happens with only you being involved. To know more about how you are covered, please refer to the policy wordings below.
Comprehensive Car Insurance also covers
Third party liability policy is the basic coverage that is mandatory as per the UAE law and it covers death or bodily injury to any third party/person as well as property damage caused by the insured’s vehicle. The policy does not cover damage/loss to the insured vehicle.
Third Party Liability Covers
|
Section |
Cover |
Products |
||
|---|---|---|---|---|
|
PREMIUM |
PRESTIGE |
PLATINUM |
||
| Section 1 | Loss of Damage to your Car | Covered | Covered | Covered |
| Fire and Theft Cover | Covered | Covered | Covered | |
| Section 2 | Third Party Liability | Covered | Covered | Covered |
| Third Party Property Damage | AED1,000,000 | AED3,500,000 | AED5,000,000 | |
| Section 3 | Agency Repairs | 1 Year from
date of first registration as brand new |
2 Year from
date of first registration as brand new |
3 Year from
date of first registration as brand new |
| Section 4 | Wind Screen Damage Excess Waiver | Not Covered | Upto AED3000 | Full Waiver |
| Section 5 | Personal Injury | Not Covered | AED20,000 | AED20,000 |
| Section 6 | Emergency Medical Expenses | AED3500 | AED3500 | AED7000 |
| Section 7 | Personal Belongings | Not Covered | AED5000 | AED5000 |
| Section 8 | Geographical Extension Cover | UAE only | UAE only | UAE only |
| Section 9 | Personal Accidents Benefits for Driver | AED 200,000
(Optional) |
AED 200,000
(Optional) |
AED 200,000
|
| Personal Accidents Benefits for Passenger | AED 200,000
(Optional) |
AED 200,000
(Optional) |
AED 200,000
|
|
| Section 10 | Off Road Cover | Not Covered | Covered | Covered |
| Section 11 | Courtesy Car Benefit(applicable if stated in your schedule) | 10 days during a policy year
(optional) |
10 days during a policy year(optional) | 10 days during a policy year (optional) |
| Section 12 | Roadside Assistance | Silver | Silver | Gold |
| Section 13 | Replacement locks | Not Covered | Covered | Covered |
| Section 14 | Valet Parking Theft | Not Covered | Covered | Covered |
| Section 15 | New Car replacement (Brand new vehicles only) |
Not Covered | Covered for 6 months | Covered for 6 months |
| Section 16 | Storm, Flood | Covered | Covered | Covered |
| Section 17 | Riot, strike and Civil Commotion | Covered | Covered | Covered |
At QIC, our customers’ convenience and the quality of services we provide are of paramount importance. We understand the hassle one goes through when visiting a branch to manage insurances or make calls for subscriptions etc. We are therefore proud to offer you www.i-insured.com, where you can manage all your personal insurances at the click of a button.
