Who this cover is for
We handle private and commercial vehicles across all governorates.
- Private owners looking for comprehensive cover at a sensible premium
- Companies running a fleet that needs unified pricing and administration
- Rental firms, delivery operators and commercial vehicle owners
- Owners of electric and hybrid vehicles who need battery cover
What the policy covers
The core covers we request in every quotation. Some are optional and carry an additional premium.
- Third party liabilityCovers damage your vehicle causes to others. The legal minimum, and it does not cover your own vehicle.
- Comprehensive coverCovers your own vehicle even when the fault is yours, on top of third party cover.
- Fire and theftCompensation if the vehicle is burnt, stolen, or parts are taken, subject to policy terms.
- Driver and passenger coverBodily injury inside the vehicle, usually added for a modest premium.
- Natural perilsFlood, hail and storm. Not automatically included in every offer.
- Courtesy vehicleA replacement car during repairs so your work is not disrupted.
- Increased third party limitRaises the third party ceiling above the statutory minimum. Important for commercial vehicles.
What it usually does not cover
These are common exclusions in this line of business. Actual exclusions differ between insurers, and we set them out in writing with every offer.
- Damage while driving without a valid licence or under the influence
- Use in racing, testing or unlicensed driving instruction
- Mechanical and electrical breakdown from wear and ageing
- Carrying passengers or goods outside the use stated on the registration
- Loss occurring outside the geographical limits stated in the policy
- Loss of use and business losses unless a specific extension is added
Figures and clauses worth asking about
Before you sign, these are the clauses that decide what the policy is really worth.
Claim documents
We prepare them with you and review them before submission so the file is not delayed on a procedural point.
- The police report or official accident sketch
- Valid vehicle registration and driving licence
- Clear photographs of the damage from several angles at the scene
- A repair estimate from an approved workshop if the insurer asks
- Written notice to the insurer within the period stated in the policy
Questions we put to the insurer on your behalf
These questions are the difference between a cheap offer and a suitable one.
- What is the deductible per claim, and does it change when the fault is the driver?
- Is agency repair included, and up to what vehicle age?
- What depreciation rate applies to replaced spare parts?
- Does the policy include driver and passenger cover, and at what limits?
- What is the claim notification period, and what voids the right to compensation?
- Are natural perils included or do they carry a separate premium?
Common questions about Motor Insurance
Is comprehensive always better than third party?
Not always. On an older vehicle with a low market value, the comprehensive premium can be out of proportion to what the car is worth. We work out the ratio and give you a straight opinion.
If the other driver is at fault, do I still use my own policy?
You can claim against the other insurer directly, or claim on your own comprehensive policy and let your insurer recover from them. Which route is faster depends on the case, and we guide you.
Can I transfer the policy if I sell the vehicle?
Usually you can transfer it to the new owner or cancel it and recover the unused portion according to the cancellation scale in the policy.
Does the policy cover belongings inside the vehicle?
Normally not. Personal items in the car need separate cover, or fall under a home contents policy.
