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What Is Motor Insurance Policy?

Motor insurance offers financial protection against loss or damages caused to your motor vehicle - due to an accident, theft, a natural calamity, etc. It provides coverage to you, the insured vehicle, a third-party person, and property - depending on the type of policy you choose.

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2 types of Motor Insurance to choose from
1. Third-party Liability Insurance
It is a legal requirement in the UAE. And it covers:
  • Death or permanent disability to another person, including motor vehicle passengers.
  • Any damage caused to the property of another person.
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2. Comprehensive Motor Insurance
As the name suggests, Comprehensive Motor Insurance gives you complete, all-around insurance coverage. It covers:
  • Damage caused to your vehicle due to an accident, collision, turnover, or incident, etc.
  • Damage caused by an external fire or explosion, spontaneous combustion, or lightning.
  • Robbery or theft.
  • Damages caused by the willful actions of a third party.
  • Damages that occur during the transportation of goods on land, inland waterways, elevators, or lifting machinery, including loading and unloading processes related to those modes of transportation.
  • And of course, third-party liabilities.
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Benefits of buying Motor Insurance Policy
  • Saves you from legal repercussions, as, according to the UAE Road Transport Authority (RTA) Law, it’s mandatory to have at least third-party liability motor insurance.
  • Prevents the addition of black points to your license and saves you from fines.
  • Gives financial protection to the third-party vehicle and yours - in case of accidents and other unfortunate events.
  • Offers a wide range of covers such as roadside assistance, rent-a-vehicle facility, off-road coverage, etc. for enhanced protection.
Don’t ignore these exclusions before buying Motor Insurance!
Exclusions are certain circumstances for which the insurer will not provide coverage.
mechanic
Mechanical Or Electrical Damage
Any damage caused due to use, breakdown, defect, or breakage of the mechanical or electrical components of the vehicle is not covered.
mechanic
Overloading
Damages due to overloading, exceeding the permissible width/length/height or the permitted number of passengers will not be covered, provided that this is proven to be the proximate cause.
tyreDamage
Tyre Damage
There is no coverage for damages to tyres that are not caused at the same time as the accident.
vehicle
Vehicle Used For A Different Purpose
You will not be eligible to receive the claim amount if you damaged the vehicle while using it for any other purpose than what was specified in the insurance certificate.
racing
Racing
If the vehicle is damaged as a result of a speed race or test, the policy will not cover the damage.
offRoad
Off-Road Damage
Off-road damages will not be covered unless you have added an off-road extension cover to your policy.
suspended
Suspended Licence
Any damage caused by someone whose licence has been suspended by a court or competent authority or as a result of traffic regulations will not be covered by the policy.
drivingOutside
Driving Outside The Geographical Limit
The coverage of your motor insurance policy may be limited to a certain geographical region. Accidents outside these areas are not covered unless an extension is purchased.
drivingWhile
Driving While Intoxicated
No coverage will be provided if the vehicle is driven while under the influence of alcohol, drugs, or narcotics.
warRelated
War-Related Damages
Damages resulting from war will not be covered by the policy.
invalidLicence
Invalid Licence
The policy will not cover any damages if the vehicle is being driven by -
  • Someone without a valid licence or
  • Someone who is not licensed to drive according to traffic laws or
  • Someone who holds an expired licence and fails to renew it within 30 days from the date of the accident.
violation
Violation Of Law
The policy will not cover if your vehicle suffers damages or loss due to accidents caused by a violation of the law, if the violation implies an intentional felony or misdemeanour according to the relevant Federal Penal Code.
natural
Natural Disaster
There is no coverage for accidents caused by natural disasters such as floods, tornadoes, hurricanes, volcanoes, earthquakes, etc.
Customize Your Policy With Add-Ons
1. Personal Accident Cover - It provides financial protection against expenses incurred due to bodily injuries sustained in an accident.
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2️. Agency Repairs Cover - It provides coverage for vehicle repairs at the original manufacturer's workshop. You can, therefore, be assured that only genuine parts will be used to repair your vehicle rather than less expensive replacement parts. The add-on is generally valid for 2 years, and can be increased to 5 years by certain insurance companies in exceptional cases.
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3️. Roadside Assistance Cover - It is offered by motor insurance companies either as part of their basic cover or as an add-on. It provides coverage for mechanical repairs, towing, flat tires, battery boosts, etc.
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4️. Gulf Cooperation Council (GCC) Coverage - It is offered by some motor insurance companies to those who frequently travel to neighboring GCC nations, such as Bahrain, Kuwait, Oman, and Qatar. Using this feature, you can get coverage in these countries if you suffer any damage or injury while driving. Those without GCC coverage may not be able to enter the country.
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5️. Vehicle Rental Cover - Some insurers provide a rent-a-vehicle service if your vehicle is damaged and in the garage for repair work. This add-on covers the cost of renting a vehicle in the event of an accident or significant damage to your vehicle..
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6️. Off-Road Cover - This cover is designed for individuals who frequently participate in off-road activities in the UAE, such as desert rallies, dune bashing etc. It provides coverage for any injuries sustained during these activities and any damages caused to your vehicle.
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7️. Oman Extension Cover - If you travel frequently to Oman, you must add this cover to your motor insurance, since you will not be permitted to enter Oman without it. It covers damages and injuries caused to you and your vehicle but not third-party damages. You can buy third-party insurance online or at the border.
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Note: The list of add-ons will vary across insurers. Some insurers may offer some add-ons as an in-built feature, while others may charge you for them.
5 things to check before buying Motor Insurance
1️. Know Policy Details and Plan Type
To get full protection for your vehicle, you should buy a comprehensive policy, but if you only need minimal coverage, you can purchase a third-party liability policy.
2️. Understand the Excess
Your motor insurance premium will be reduced if you have an excess or deductible. However, you need to be aware that you will be required to pay the excess/deductible amount at the time of claim before the insurance company begins to pay. So don't take an excess/deductible unless you are sure that you won't make any claims.
3️. Compare Quotes
Before making a purchase, make sure that you compare different quotes from different insurers at InsureAtOasis, compare all features and coverages. And then choose the one that meets your needs.
4️. Read The Fine Print Carefully
It is important that you read all the details of the insurance policy before making a payment. Be aware of what is and is not covered in the policy, so that you are not caught off guard when you make a claim.
5️. Additional Deductibles
During claims, some additional deductibles will be applied by the insurer. When filing a claim, insurance companies may charge additional deductibles in the following circumstances -
  • The driver of the vehicle was below the age of 25 when the accident occurred. The additional deductible is 10% of the compensation amount.
  • A sports vehicle or a modified vehicle for which a claim is raised will be subject to an additional deductible of 15%.
  • There will be an extra deductible of 20% when you make a claim for a rental vehicle.
Note: This is just an exhaustive list. In order to see a complete list, you will need to read the policy wording.
buyCarInsuranceDon’t let the good times leave you. Renew your motor insurance policy because -
An expired motor insurance policy can lead to - 
  • Legal repercussions, ‘cause the policy is mandatory
  • Major out-of-pocket expenses, if you get involved in an accident
Before renewing, tick these 4 points!
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Evaluate The Policy’s Features
Before renewing your motor insurance policy, go through the features included in your current coverage. This will help you determine if your current coverage is sufficient or if you need additional protection.
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Compare Insurance Quotes
Have a look at the different policies offered by different insurers. While sticking with your current insurance company might seem convenient, it is a good practice to compare quotes from multiple insurance companies. This will help you find better features and coverage at better rates. 
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Make Use of No-Claim Bonus
A No-Claim Bonus is essentially a reward given to you by the insurance company for not filing any claim during the policy year. If you don’t make a claim, the insurance company will offer you a discount on your premiums during renewal.
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Choose an Adequate Cover Amount
The cover amount is the maximum amount of money you’ll receive in the event of a total loss or theft of your vehicle. Figure out the secondhand value of your vehicle and pick an amount near it, so you don’t end up facing any major losses if your vehicle is completely damaged or stolen.
Note: Make sure you get a No-Claim Bonus certificate from your insurance company, so you can avail of its benefits if you’re switching to a new insurer.
Now the most important bit -
How To File A Claim Online?
Comprehensive Motor Insurance Claim
  1. Inform the police
    • When an accident occurs, the first thing you need to do is notify the police.
    • You cannot file an insurance claim unless you file a police report.
    • If there are any injuries or damages to your vehicle, take pictures of them.
    • Your vehicle will be inspected by the police, as will the accident scene and your photographs.
    • You will receive the policy report which includes the details of the "At-Fault Party(Responsible for causing the accident)" as well as the "Not At-Fault Party(Not responsible for the accident)", a summary of the damages caused to the vehicles involved in the accident, etc.
    • Any minor accident can also be reported via the policy apps.
  2. Get in touch with your insurer
    • As soon as you obtain the police report, call your insurer to inform them of the accident.
    • In order to speed up the claims settlement process, ensure that you provide the insurance company with all the details pertaining to the accident.
    • A complete set of documents must be submitted to the insurance company.
    Documents required for the claim:
    • Police report.
    • Vehicle Registration Document (Mulkiya)
    • Driving Licence
    • Duly Filled claim form
    • Emirates ID
    • Vehicle modifying certificate (If any)
    • Any other docs as asked for by the insurer
  3. Assessment of claim - Once the insurance company receives your claim request and the relevant documents, it will assess your claim and verify your documentation. Your insurance company will approve the repairs once verification is complete.
  4. Repair
    • After the insurance company approves the repair, you may take your vehicle to the authorised dealer/garage. A repair estimate will be generated by the dealer/garage and shared with the insurance provider.
    • Once the insurance company approves of the rate, work will begin on your vehicle.
    • After the repair is completed, you can pick up your vehicle from the dealer or garage.
Third-Party Motor Insurance Claim
  1. 1. Third-Party Property Damage (TPPD) - If you damage the property of a third party, you may be liable for compensating them. Say you hit another vehicle and you are at fault for the accident. The third party may get in touch with their insurer for processing the claim, who will begin the recovery process from your insurer - provided the third party has a comprehensive policy. In the event the third party does not have insurance or only has third-party coverage, they are required to go directly to the claims office of your insurer to file their claim.
  2. 2. Third-Party Bodily Injury (TPBI) - An accident that causes the injury or death of a third party may give rise to this type of claim. All such claims are handled entirely by the court. Here are a few common steps:
    • When TPBI claims involve serious injuries or death, the police will arrest the driver (if alive). The purpose of this is to protect the recovery rights based on Shariah law.
    • Furthermore, there are provisions whereby the court accepts a "Letter of Guarantee" from the insurer and their promise to represent the insured in the legal proceedings to release them.
    • In the event of an accident, the insurance company issues a letter of guarantee to ensure that damages or compensation will be paid. In addition to serving as proof of insurance for the vehicle involved in an accident, it also provides assurance that the insurance company will pay for any damages or provide compensation as per the amount decided by the court.
    • Even if the driver is eligible for release, his passport and Emirates ID will be confiscated until the case is settled and compensation is paid. This is to ensure that the driver does not flee the jurisdiction and prevents them from travelling until the case is settled and any compensation due is paid.
    • If the insured is found to be guilty of criminal negligence that caused a third party's death, the Public Prosecution Court will adjudicate the case and award Diya Money - Blood Money of at least AED 200,000/- along with fines and imprisonment, if necessary.
    • The legal heirs of the injured or deceased third party may also pursue additional compensation through a civil lawsuit. However, please note that a loss that occurs outside the state is not covered by the policy.
FAQ
1. How old is Oasis?
We have been serving the UAE insurance market for 18+ years. And with your trust and support, we have only grown and tried to make a good change.
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2. What products does Oasis offer?
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3. Buying from Oasis VS buying from elsewhere - what’s the difference?
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4. What are the charges of getting personalised support?
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5. Will Oasis help me with claim settlement?
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Aman Chadda
I've been a customer of InsureatOasis for over five years now, and I couldn't be more satisfied with their service. From the moment I signed up for their policy, I felt like they truly cared about me and my needs.
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Saniya Kapoor
I've been a customer of InsureatOasis for over five years now, and I couldn't be more satisfied with their service. From the moment I signed up for their policy, I felt like they truly cared about me and my needs.
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Aman Chadda
I've been a customer of InsureatOasis for over five years now, and I couldn't be more satisfied with their service. From the moment I signed up for their policy, I felt like they truly cared about me and my needs.
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Saniya Kapoor
I've been a customer of InsureatOasis for over five years now, and I couldn't be more satisfied with their service. From the moment I signed up for their policy, I felt like they truly cared about me and my needs.
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