A comprehensive insurance policy will cover your vehicle against your own Loss or damage as well as third party property damage. Loss or damage could result from an accidental collision, fire, burglary, external explosion, self-ignition, lightning, theft and any malicious act by a third party.

We highly recommend our valued customers to choose the comprehensive insurance policy (if applicable) so that you and your vehicle enjoys complete protection.

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. However, you must understand that this policy does not cover any damage or loss to your own vehicle following an accident.

Comprehensive cover is available for vehicles up to the age of 10 years only. Vehicles over 10 years needs to be referred to our motor underwriters who will review on a case to case basis. We would support you as much as possible we can in helping you with your requirements.

The policyholder will be both the registered vehicle owner and the main driver. The UAE Traffic Authority will only register the vehicle under the name stated on the insurance policy

According to UAE Traffic Authorities, it is illegal to drive without having a car insurance. You are required to get your car insured first and then only it can be registered.

Generally the vehicle registration period of your car is for 12 months. However, the UAE Traffic authorities provides a grace period of 1 month to complete the annual registration process. This grace period is covered in the policy.

We offer wide range of attractive benefits on our motor policy namely:

  • Self-Authorization Repairs
  • Extended Third Party Property Damage
  • Natural calamities, Riot, Strike and Civil Commotion
  • Extended Legal Liability to family members
  • Loss of personal effects
  • Emergency medical expenses

You are only eligible to get car insurance quote if you are a resident and hold a valid UAE driving license. However, you can convert your foreign driving license to valid UAE driving license if you are holding license from of any of these countries: GCC countries, Andorra, Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxemburg, Malta, Monaco, Netherlands, Norway, Portugal, San Marino, Spain, Sweden, Switzerland, UK, USA, Vatican City. After submission of the valid UAE driving license you are eligible to get motor quote from Tokio Marine.

Yes, the off-road cover will be only included for vehicles with off-road capability. However the cover is excluded if the is involved in Safari activities, Competitions or Events.

Yes, we do extend the geographical area to cover loss of or damage to your vehicle if you drive to Oman. However, this does not include Third Party Liability cover (Orange Card) which must be purchased separately at the Oman border.

Our Comprehensive Motor policy includes 24 hour free roadside assistance provided by our third party service provider. They will assist you in the event of a vehicle breakdown, towing, battery boost, flat tyre, lock out service and petrol delivery

The current car value is calculated by comparing the average market value of the same vehicle. The car value will then be depreciated by 15% every year thereafter.

No Claims Discount or No Claims Bonus is a special discount on the insurance premium given to customers who have an accident-free record for a minimum of 1 year.

In order to issue a new car insurance policy, documents required are Emirates ID, vehicle detail (make, model, year of manufacture), copy of vehicle registration, copy of your driver's license, confirmation that your vehicle is GCC specific, details of claims registered. For online applications electronic copies are required to be submitted.

The excess or deductible is the amount you pay to the insurance company in case of a non-recoverable motor claim. Non-recoverable motor claims unusually occur when an accident is caused by the insurance policy holder. This is only applicable for comprehensive insurance.

However, if you get into an accident and it is not your fault then you don't have to pay any excess.

In agency repair, you can take your vehicle to the manufacturer’s authorized workshop to fix any damage due to an accident. In case of non-agency repair, you can take your vehicle to any of Tokio Marine authorized garages to fix any accidental damage.

The cost of the rental vehicle is covered only if the clause is included in your policy schedule. The duration of a free rented car is generally between 7-10 days (depending on the type of policy) until your car is fully repaired. You can include this clause in your policy, by paying an additional premium.

However, if the Claim is caused by a Third Party, then an alternative car, can be arranged for you from the Third Party insurance Company. Our Claim Advisors will assist you at the time of a claim.

We recommend you to adhere to the following instructions immediately after an accident:

  • Where possible please help anyone suffering injury.
  • Call Police on 999 and explain the situation.
  • Ask the police if you should remove the vehicle from the site. Move your vehicle if you are instructed to do so, otherwise keep the vehicle at the accident site. It is not unusual for the police to instruct you to go to the nearest police station for a hearing. Simply follow their instructions.
  • If you are instructed to stay at the accident site, get out of the car immediately and wait for the police. Staying in the car is very dangerous especially if your car is stopped on the road or roadside curb.
  • Do not attempt to drive a heavily damaged vehicle. This may cause a further accident, or damage the vehicle. If your vehicle is not in a drivable condition, request Tokio Marine Nichido / complimentary road side assistance service provider for towing your vehicle to a workshop.
  • A police report is required by the UAE law in order to make a claim. Ensure that you do not block the traffic to avoid any penalty imposed by the police.
  • If there is bodily injury to the driver and/or passengers and if any of the personal items placed in the vehicle are damaged, you must inform the police and have it mentioned in the police report to claim the benefits enlisted in the policy.

You can now report a claim by filling out a simple form on our website. Alternatively, you can also call on our claims help line desk 600 50 30 30 and speak directly to our claims team. Claims Call Center operation hours is from 8am-8pm, Sunday to Thursday.

The following supporting documents will be required to lodge a claim:

  • Original Police Report
  • Copy of Driving License
  • Copy of Registration Card (or Mulkiya)

This facility can be accommodated only if the "Rental of Alternative Vehicle" clause is included in your policy. You can include this clause in your policy, by paying an additional premium.

However, if the Claim is caused by an Third Party, and is not unknown, then an alternative car, can be arranged for you from the Third Party insurance Company. Our Claim Advisors will be able to advise you on this, at the time of a claim.

As per the UAE Insurance Authority guidelines, Tokio Marine is required to notify the loss to TP’s insurance carrier if the estimate repair cost exceeds a pre-set amount (AED 5,000). Usually it would take three working days for the TP’s insurer to inspect the vehicle and agree on the repair cost with the repairer. This is required to recover the expenses incurred for repairing the vehicle from the TP’s insurer and to maintain your No Claim Discount (NCD).

The excess or deductible mentioned on your policy schedule is applicable for each separate accident / incident generating a damage for which there is no identified Third Party responsible according to the police / traffic court judgment.

If a car is sold, the insurance doesn't get transferred to the new owner. This is not permitted because the terms and premium of the policy depends on the driver's experience.

You can cancel the policy in the event of either selling the vehicle or exporting the vehicle.

Documents we require are either

  • No Plate Certificate from the traffic authority or
  • Export Certificate or
  • New Registration Card from the buyer.

Once we receive any of the above said documents, and subject to no claim reported during the policy period the cancellation will be processed, and a refund Cheque (refund amount based on Short Rate basis as per the UAE Insurance Authority) will be initiated.