|
Types of Covers:
- Comprehensive
- Third party liability
- Fleet policies
Types of Insurance:
Third party only
This cover is the legal requirement. This level of cover ensures that compensation is available in respect of injury to other people (including your passengers) or damage to other peoples' property resulting from an accident caused by you. It doesn't cover any costs incurred by you as the result of an accident.
Most insurance companies offer additional levels of insurance cover that go beyond the legal requirement.
Third party fire and theft
This provides the same cover as third party only and also insures you should your vehicle be damaged by fire or stolen.
Comprehensive
This provides the same cover as third party fire and theft. However, it also covers you should your vehicle be damaged:
- By accident or accidental collision or overturning consequent upon mechanical breakdown or consequent upon wear and tear.
- By fire, external explosion, self ignition, lightning or thunderbolt.
- By burglary or theft.
- By malicious act of any third party.
- Whilst being in transit (including the process of loading and unloading incidental to such transit) by road, rail, inland waterway, lift or elevator, relating to the said transportation.
Against Third Party Liability
- The plan compensates you in the event of an accident caused by or arising out of the use of the motor vehicle, subject to the limits specified in this plan, against all sums which you shall become legally liable to pay as compensation for.
- Death or bodily injury to any person including the passengers in the vehicles except you or the driver at the time of the accident and their families spouse, parents and children and your employees if they are injured during the working hours or as a result of their work.
- Damages for materials and property, except those owned by you or the driver at the time of the accident or property held in trust or in their custody or control.
Many additions to this level of cover are available including:
- Providing a Car Hire while your car is being repaired (optional with an additional premium)
- Legal expenses insurance to recover your uninsured losses (such as your excess)
- Roadside recovery schemes
- Vehicle repairs in case of breakdown
- Coverage for Riot, Strike, Malicious Damage, Civil Commotion and natural perils (Excluding Hail Storm)
- Personnel Accident benefits to you and or driver and their family members and/or your employees
- Legal Liability to driver's household members, passengers including your employees.
- Protection for clothing and personal effects in the vehicle against Fire and theft (up to Dhs.1000/-)
- Medical expenses cover up to AED2000/ per Person for Private vehicles owned by Individual.
- Road side assistance
- Free Oman Extension
- Agency Repair Extension for second Year
For further details or assistance, please e-mail us at: info@dubins.ae or contact to
+97142693030 our Dubai Branch.
|