04

247 2904

4.6/5 10,000+ Reviews 04 247 2904

Quotation for Car Insurance Arun Jose 5 Feb 2023

Vehicle details
Car Make Mercedes Car Model GLB-Class Car Variant GLB 250 SUV 2.0 L Model Year 2020
Is Claim Made?    Yes

Insurance Provider Plan Name Total

Noor Takaful - Watania

AED 5,775/ Yearly (VAT included)
Comprehensive (Mumtaz Agency)

Car Value (AED) 200,000

Excess Amount (AED) 500

Third Party Damage Limit Up To AED 3 Million

Third Party Liability UAE Only

Damage To Your Vehicle UAE & Oman

Riots / Strikes / MD

Loss of Personal Belongings Upto AED 5,000

Windscreen Excess Waiver Upto AED 5,000

Emergency Medical Expenses Upto AED 5,000

Ambulance Service

Taxi Fares Upto AED 300

Upto 6 Months (Brand New

New Car Replacement in Case of Total Loss - Auto Gap
Vehicles Only)

Personal Injury Upto AED 10,000

Lock Replacement Upto AED 3,000

Valet Parking Cover

Off Road Cover Upto 500 meter off road

Fire & Theft Cover

Child Car Seat Replacement Upto AED 2,000

Agency Repair

Off Road Recovery

Emergency Repair Expense Upto AED 1,000

Driver Cover

Passenger Cover

Roadside Assistance

Natural Calamities

Oman Cover

Accident & Breakdown Recovery

Mechanical Assistance

Battery Service

Lockout Service

Flat Tyre Service

Fuel Delivery Service

Towing Service

Car Registration Service

Car Registration Card (Mulkiya).

• If Previous Insurance is Expired -
Passing & Pictures of the car from
all 4 side.
• If Changing from Third Party
Insurance to Comprehensive
Insurance Plan - Passing and
Current Dated Car Pictures from
all the 4 sides.

Driving License
For Renewal Registration
Emirates ID (If Expired - Emirates
Id Renewal Application/Valid Visa)
KYC (Only for Noor Takaful Plans)
(If the Car is Registered Under
Company Name)
No Objection Certificate for the
Driver (If the Car is Registered
Under Company Name)
Trade License (If the Car is
Registered Under Company
Name)
 Bank LPO/Credit Approval from
the Bank (If Purchasing Car on
Bank Loan)
Current dated Car Pictures
Driving License
Emirates ID (If Expired - Emirates
Id Renewal Application/Valid Visa)
KYC (Only for Noor Takaful Plans)
(If the Car is Registered Under
Company Name)
For Pre-Owned Car
No Objection Certificate for the
Driver (If the Car is Registered
Under Company Name)
Passing Certificate
Trade License (If the Car is
Registered Under Company
Name)
Transfer
Certificate/Hayaza/Possession
Certificate/Previous Owner Mulkiya

Bank LPO/Credit Approval from

the Bank (If Purchasing Car on
Bank Loan)
Driving License
Emirates ID (If Expired - Emirates
Id Renewal Application/Valid Visa)
KYC (Only for Noor Takaful Plans)
(If the Car is Registered Under
Company Name)
For Brand New Car No Objection Certificate for the
Driver (If the Car is Registered
Under Company Name)
Quotation of the Car from the
Showroom
Trade License (If the Car is
Registered Under Company
Name)
VCC - Vehicle Clearance
Certificate

All Emirates except Dubai - 48

Upto how many days my car insurance will be linked to the RTA/Murror system
Hours
from the start date?
Dubai - 7 days.

All Emirates except Dubai - 800

Contact Number for Registration Center 3333
Dubai - 800 9090

The amount paid by the

Participant per accident in case of
Excess Amount faulty & Unkown accidents,
according to the Schedule/Policy
document.
 A good car insurance policy
provides full coverage for your
vehicle against bodily injury, car
damage, and death to any third
party. Furthermore, it covers all
expenses you have spent on the
repair work incurred due to car
accidents.
• The RTA law requires you to get
Why is it mandatory to buy car insurance in the UAE? an insurance policy once you
purchase a new vehicle in the
UAE, otherwise, you may bear
heavy penalties and fines if
driving uninsured.
• The penalty or fine for an
uninsured vehicle is around 500
Dirhams, confiscation of the car
for seven days, and four black
points applied to the license.

Personal effects insurance

protects you against the loss of
your personal belongings while
they are in an insured vehicle.
Personal belongings coverage
Commonly insured items under
this add-on are laptops, cell
phones, tablets, sunglasses, and
expensive clothing items.

It offers cover for breakdown or

accident recovery services,
Roadside Assistance including vehicle towing, Flat tyre
service,Mechnical first aid and
battery jump-starts.

If your current insurance policy is

valid for less than 6 months, you
cannot transfer it to the new
owner.
• If it is valid for more than 6
months, then you need to check
with your insurance company
whether they provide a transfer
Is car Insurance transferable in UAE? option or not.
• You can also apply for a refund
in case they don’t transfer it to a
new owner.
• To share the policy, you need to
share all the details of the new
owner. The company will then
check if the new owner meets the
edibility criteria or not.

Driving a car without insurance

can result in AED 500 fine and 4
What is the fine of driving without proper car insurance? black points. Besides, your car
can also be confiscated for 7
days.
 Generally, yearly car insurance in
Dubai will cost around 1.25% to
3% of the car’s value. Other
factors that can influence the cost
How much does car insurance cost in UAE?
of car insurance in Dubai are the
number of previous insurance
claims, age of driver, and how old
the driving licence is.

A comprehensive insurance policy

will cover you 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
What is the difference between third party insurance and comprehensive car act by a third party.
insurance? • 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.

In case you want to claim for the

damage incurred due to an
accident or any other unfortunate
event, make sure you follow these
steps:
• Step 1 : Take a photograph of
your vehicle, bodily injuries (if any)
and other driver’s car (if involved
in an accident).
• Step 2 : Report the accident to
the police and your insurance
company. The insurance company
will take your vehicle for
assessment and give you the
How to claim for your car insurance in UAE
reference number to claim the
insurance amount. Insurance
companies needs a copy of a
driving licence, registration
card/Mulkiya.
• Step 3 :The workshop will
provide you with an estimated
cost that needs to be approved
by the insurance company. Also, it
is important to have your driving
licence with you during an
incident. Otherwise, your
insurance claim will not be
approved.
 The law dictates the basic
minimum every car owner should
have regarding motor insurance in
the UAE. But Third-Party Liability
Why should I go for Comprehensive Coverage when the law only mandates doesn’t cover any damages you
Third-Party Coverage? might accrue while driving your
car. You could go with what’s
mandated by law, but you could
also hedge your bets and protect
yourself while you’re at it.

Comprehensive coverage can be

provided as long as your vehicle is
How long can I have comprehensive coverage for a vehicle? less than 10 years old. After that,
the coverage will be underwritten
on a case by case basis.

No Claims Discount is a special

discount on the insurance base
No Claims Discount premium given to individuals who
have an accident-free record for a
minimum of 1 year.

If your policy is covered under a

Road Side Assistance coverage
and they will be able to assist you
Vehicle breaksdown in the event of a vehicle
breakdown. You can check your
policy schedule for the Toll free no
to avail their assistance.

You can cancel the policy in the

event of either selling the vehicle
or exporting the vehicle.
•Documents that are required are
either Transfer Certificate from the
RTA, export certificate or the new
registration card from the buyer.
• Once we have these
documents, and subject to there
being no claim reported against
Can I cancel my policy if so what is the procedure ? the policy, the cancellation
request will be processed.
• Please note that if your policy is
in the Final Quarter (from the start
of 10th Month, there will be no
refund).
• The time taken for the
cancellation process is 15 working
days & the refund amount will be
on short term cancellation basis +
cancellation charges.
 In agency repair, you can take
your vehicle to the
manufacturer’s/Dealer’s
authorized workshop to fix any
damage due to an accident.
What is Agency and Non- Agency repair?
• In Case of non-agency repair,
you can take your vehicle to any
of Panel/Authorised garages of
the respective Insurance company
to fix any accidental damage.

Agency repair is normally available

Currently I have Agency repair. How long can I avail this facility? up to 2 years from the year of first
registration of the vehicle.

The premium for car insurance is

calculated as a percentage of the
value of your car. If your car has
had any accidents, it would be
What are the typical factors used for calculating the premium for my car?
factored in to the premium. If your
car has had no accidents, we
offer a no – claims discount with
the renewal of your policy.

In case of permanent disablitiy or

death due to an accident,
Personal Accident Cover for Diver and Passenger (PAB Cover)?
customer is laible to get upto
200,000.

Premium Breakup

Basic Premium AED 5500.00

VAT AED 275

Admin Fee AED 240.24

Amount Payable AED 5775

Disclaimer: As a condition to purchase a policy, you may be required to produce and upload certain personal documents. On verification of these documents & payment
confirmation, your policy will be accepted or declined by the insurer. Please note, the provided car valuation is subject to approval from the selected insurance company. If
the insurer doesn't accept the valuation, the premium may need to be adjusted. VAT not included