Policy handbook

Motor Perfect

CAR INSURANCE
1
Table of
contents
Welcome to the GIG Motor Perfect
Comprehensive Insurance Motor Wording 4

1 Unified Own Damage Wording 5

2 Unified Third Party Policy 17

3 GIG Automatic Extensions, Optional

Covers and General Exclusions 31

4 GIG Claims and Frequently Asked Questions 39

5 Complaints Procedure 42
Policy Handbook
Motor Perfect
Welcome to the GIG Motor Perfect
Comprehensive Insurance Motor Wording
This booklet includes the Own damage & Third Party wordings.
The wording is broken down into four distinct chapters.
1 2
Is the Unified Own Damage
Policy Wording issued by the
Insurance Authority. This is
the minimum level of cover
that can be offered for the
Own Damage portion of
your Motor Insurance Policy.
This Wording is mandated
by the Insurance Authority
and cannot be reduced or
contested.
3 4
Contains the GIG
enhancements to your
Policy Wording, divided
into Automatic Extensions,
Optional Covers and General
Exclusions. The extensions
and optional covers build
upon the compulsory
mandated portions from
the Insurance Authority and
ensure that you have the
widest coverage for your
Motor Vehicle.
4 5
Is the Unified Third Party
Policy Wording issued by the
Insurance Authority. This is
the minimum level of cover
that can be offered for the
Third Party portion of your
Motor Insurance Policy. This
Wording is mandated by
the Insurance Authority
and cannot be reduced or
contested.
Contains GIG’s claims,
complaints procedures and
frequently asked questions.
1 Unified Own Damage Wording
The Unified Motor Vehicle
Insurance Policy Against
Loss and Damage issued
pursuant to the Regulation
of Unified Motor Vehicle
Insurance Policies according
to Insurance Authority Board
of Directors’ Decision No.
(25) of 2016.
Whereas the Insured
has applied to GIG Gulf
(hereinafter referred to as
the “Company”) for the
insurance set herein below
and has agreed that the
application is considered
as the basis for and integral
part of this Policy, and
has paid or agreed to pay
the applicable premium,
and the Company has
accepted and represented
to pay compensation to
the Insured in case of any
damage to the Motor Vehicle
subject to this insurance,
whether it emerges from
the use or parking of the
Motor Vehicle in the UAE
during the insurance period,
whether the Insured caused
the accident or was victim/
claimant party
Therefore, this Policy was
entered into to cover the
damages that befall the
Insured Motor Vehicle in the
UAE during the insurance
period according to the
terms, conditions and
exclusions in or appended to
this Policy.
Definitions
The following terms and
phrases shall have the
meanings indicated beside
each of them unless the
context provides otherwise:
Policy:
The Unified Motor Vehicle
Insurance Policy against
Loss and Damage and any
rider to it, which governs the
relationship between the
Insured and the Company,
and whereby the Company
undertakes to compensate
the Insured, on the
occurrence of the damage
hereby covered, in return
of the premium paid by the
Insured.
Company (Insurer) /
We / Us / Our / Ours:
The insurance company
that is licenced to operate
inside the Emirate according
to the laws and regulations
issued in the Emirate and
accepts to insure the Motor
Vehicle and has issued the
Policy. In this booklet means
Gulf Insurance Group (Gulf)
B.S.C.(c)/GIG.
Insured:
The person that has applied
for insurance, entered into
an insurance contract with
the Company, and paid
or has agreed to pay the
premium.
Motor Vehicle Driver
(Licenced Driver):
The Insured or any person
who drives the Motor Vehicle
by the permission or order
of the Insured, provided
that they are licenced to
drive according to the Motor
Vehicle category pursuant
to the Traffic Laws and other
laws and regulations, and
that the granted licence
has not been cancelled by
a court’s order or by virtue
of the Traffic Laws and its
Executive Regulations. This
definition includes the
driver whose driving licence
has expired if they manage
to renew it within 30 days
from the date of accident.
Motor Vehicle:
A mechanical machine,
motorcycle or any other
device that works through
a mechanical force, with its
specifications described in
the Policy.
Insurance Application:
The application that
includes the details of the
Insured, the details of the
Motor Vehicle and the type
of required coverage, which
is filled in by or with the
knowledge of the Insured
electronically or in writing.
Rider:
Every additional cover
agreed between the parties
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Motor Perfect
in supplement to the basic
coverages under this Policy.
Premium:
The money that is paid or
undertaken to be paid by
the Insured in return for
insurance coverage.
Basic Deductible:
The amount paid by the
Insured according to the
Schedule of Deductibles
attached to this Policy per
accident.
Ancillary Deductible:
The amount paid by the
Insured according to the
Policy in addition to the
Basic Deductible.
Natural Disaster:
Any general phenomenon
that arises from nature
such as floods, tornados,
hurricanes, volcanoes,
earthquakes and tremor
that leads to extensive and
widespread damage, and in
respect of which a decree
is issued by the concerned
authority in the country.
Flood:
An overflow of a large
amount of water beyond
its normal limits within the
concept of Natural Disasters.
Road:
Every road open and
available to the public
without the need to get
special permission, and
every place that is made
available for the crossing of
motor vehicles, and is made
available to the public by a
permission or licence from
a concerned authority or
otherwise, for or without
consideration according to
the definition mentioned in
the applicable Traffic Laws.
Depreciation
Percentage:
The percentage payable by
the victim/claimant party
on the occurrence of an
accident, when they insist
on new parts replacement
instead of the used parts
in case of partial loss
according to the schedules
of depreciation.
Accessories:
Parts originally installed in
the vehicle by the vehicle
manufacturers and included
in the original price such as
radios, stereo equipment,
telephones and other
items, the make and values
of which are specifically
declared to the Company
and stated in the Schedule.
Family Member:
Any member of Your
household who resides with
You.
6 7
Period of Insurance:
The period of time of motor
vehicle insurance up to the
end of the thirteenth month
from the commencement of
the insurance or as shown
in the schedule, and any
further period that we agree
to insure you.
Territorial Limits:
United Arab Emirates and
any other area stated in Your
Policy Schedule.
Licenced Driver:
The insured or any person
driving with his permission
provided that the person
driving holds a valid driver’s
licence for the vehicle in
accordance with the Traffic
Laws and Regulations and
has not had his driver’s
licence withdrawn by order
of a court of law or traffic
regulations.
Chapter One: General
Conditions
1. The Policy and its
schedules shall
constitute one integral
contract, and any Rider
to this Policy shall
constitute an integral
part hereof, and every
term or phrase to which
a special meaning
has been given in any
part of the Policy or its
schedules shall have
the same meaning
elsewhere, unless the
context otherwise
requires.
2. Any notice or notification
of an accident that is
required by this Policy
shall be served to the
Company in writing by
e-mail, facsimile or by
hand delivery to the
address designated in
the Policy as soon as
practically possible.
3. Any external agreement
between the Insured
and the Company that
will reduce the coverage
hereunder shall be
6. Notwithstanding the
deemed void.
4. In case of several
insurances with more
than one insurance
company, the Company
will only be committed
to compensate damages
in the percentage of the
amount insured with
it to the total insured
7. With respect to a fleet
amounts against the
insured risk.
5. The Company and the
Insured may agree,
using riders in return
for an additional
premium within the
scope of the terms and
conditions herein, that
the Company shall
insure against the other
damages not provided
for in this Policy, in
particular:
a. Insurance against
damages to
properties of the
Insured or Motor
Vehicle Driver at the
time of the accident
or to properties kept
with them in trust, or
in their guardianship 8. a. If the Insured Motor
or possession under
a rider to this Policy
or a separate policy.
b. Coverage of the
damages or risks
which occur outside
the roads.
terms and conditions of
this Policy, the Insurance
Company may not
refuse to compensate
the Insured as a result
of late notification of
the accident, if the
delay is attributed to an
acceptable excuse.
insurance policy or
any Motor Vehicle
insured under this
Policy, the Company
may not enter into any
external agreement
that may reduce the
coverage provided
under this Policy or
depriving the Insured
or the Beneficiary
of this Policy from
exercising the right to
claim for compensation
hereunder, including
depriving a claim for
compensation for any
reason not related to the
accident such as age,
gender, or otherwise, or
the agreement will be
deemed void.
Vehicle is a total loss,
and the Company
compensates the
Insured on that
basis, the salvage
will be deemed
property of the
Company. The
Insured may not
be charged any
expenses related
to the transfer of
the Motor Vehicle
title or issuance
of a certificate of
ownership of the
Motor Vehicle.
b. The insured shall
be liable to pay
the dues arising
on the vehicle
before receiving
the compensation
and to submit the
required papers and
power of attorney
and attend before
the competent
departments ,
if necessary in
order to transfer
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Motor Perfect
the ownership of
the motor vehicle
to the company.
whereas, in case
there is mortgage,
the company
shall undertake
without delay the
communication 10. For the purpose of
with the competent
entity (the owners
of the mortgages )
to obtain a non-
objection letter
to transfer the
ownership of the 11. No lawsuit arising from
salvage of the
vehicle to the
company.
9. The Company may, at
its expense, assume the
judicial and settlement
proceedings to
represent the Insured or
the Motor Vehicle Driver 12. The courts of the United
through an attorney
in any investigation or
interrogation and before
any court in any lawsuit
or intervention in any
phase of the lawsuit 13. In case of the
in relation to a claim
or accident for which
the Company may be
held liable under this
Policy and which may
give rise to the payment
of compensation
according to this Policy.
The Company may
settle or enter into a
reconciliation for such
claim. The Insured shall
provide every possible
cooperation with the
Company by signing a
power of attorney or
otherwise to enable the
Company to initiate any
proceedings.
verifying the details
of the Insured Motor
Vehicle, all details in
Schedule (5) of this
Policy shall be an
integral part hereof.
this Policy may be
filed after the elapse
of three years after the
occurrence which has
given rise to the lawsuit
or the related parties
become aware of its
occurrence.
Arab Emirates shall be
competent to determine
any disputes arising
from this Policy.
entitlement to the loss
of benefit allowance
(substitute motor
vehicle) and the affected
Third part has insurance
against loss and damage
and third party liability ,
he shall be entitled , for
the purpose of obtaining
the loss of benefit
allowance (substitute
motor vehicle) to claim
8 9
directly against his spare parts, in the this Policy or special public transport vehicles
company , which has following cases: riders to it. and rental vehicles, the
the right to claim the Insured will bear the
for same amount paid a. If loss or damage 2. Upon the occurrence Depreciation Percentage
to the insurance against arises from an of an accident, the set in Schedule (2).
third party liability in accidental run- Company shall:
accordance with the over, collision, 4. The Insured may assume
turnover, or incident, a. Repair the Motor the repair of damages
rules specified in the Vehicle or any of its
third party liability or as a result of that occur to the Motor
an unexpected parts, accessories, Vehicle as a result of
policy. or spare parts and
mechanical an insured accident
14. In the event that the breakdown or as a restore the vehicle hereunder, provided
to its pre-accident
vehicle base (chassis) result of wear and that the estimated repair
is damaged, whether tear of parts by use; condition; costs do not exceed the
it is replaceable or not, b. Pay the amount of value of repair agreed
or the fixed parts of b. If loss or damage upon in writing with the
arises from an loss or damage in
the vehicle such as the cash to the Insured Company.
columns have been external fire
or explosion, if this is agreed on 5. If the Insured Motor
damaged, and these with the Insured;
parts need a process of spontaneous Vehicle is lost, proves
cutting, tightening, or combustion or c. Replace the to be irreparable, or
welding as a result of lightning; damaged Motor that costs of repair
the accident, then the Vehicle in case of exceed 50% of the
c. If loss or damage Motor Vehicle value
vehicle is considered arises from robbery a total loss, unless
to be in a state of total the Insured requests before the accident,
or theft; the insured value of
loss and the company is the Company to pay
obligated to compensate d. If loss or damage them the amount the Motor Vehicle
agreed upon between
according to the value arises from a third in cash. In this case,
agreed upon in the party wilful act; the Company shall the Insurer and the
Insured on signing of the
policy between the respond to the
company and the e. If loss or damage Insured’s request. Insurance Policy will be
insured. occurs during land the basis of calculation
transport, inland 3. If the Insured requests of the compensation
Chapter Two: water transport, that new original parts of loss and damage
Obligations of the elevators or are to be installed in lieu insured hereunder
Insurance Company lifting machinery of the parts damaged after deduction of the
including loading during the accident or Depreciation Percentage
1. The Company shall
and unloading are to be paid for in cash, of 20% from the insured
compensate the Insured
processes related to the Insured will bear the value, and taking into
for loss or damage that
the aforementioned Depreciation Percentage account the fraction
occurs to the Insured
transport processes; set in Schedule (1) of of insurance period
Motor Vehicle and its
the final value of the (i.e., the proportion
accessories while in f. Any additional
purchase invoice. In of the period from the
the vehicle, including coverage to be
case of taxi vehicles, commencement date of
damaged parts and agreed upon under
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the insurance period to
the date of the accident
to the total insurance
period).
1. If the Motor Vehicle
becomes unroadworthy
due to loss or damage
insured hereunder,
the Company will bear
the necessary costs
of safeguarding and
transporting the Motor
Vehicle to the nearest
repair shop, in order to 3. In the event of any
deliver it to the Insured
after repair.
2. If the damaged Motor
Vehicle is repaired with
repair shops approved
by the Company,
the Company shall
insure that the Motor
Vehicle is repaired
properly, carefully
and professionally by
a garage suitable for
the type, make and
year of car, and that
the work is warranted
by the repair shops.
The Company shall
ensure that the Insured
is enabled to have the
Motor Vehicle checked 4. In the event that
by any approved motor
vehicle examination
agency in the UAE to
make sure that the
Motor Vehicle has
been properly repaired
without affecting the
technical examination
of the damaged Motor
Vehicle at the concerned
official authorities. If it
is found that the repairs
are below required and
recognised technical
standards, the Company
shall address the issue(s)
with the repair shop
until the Motor Vehicle is
professionally repaired
and delivered to the
Insured.
dispute between the
company and the
insured regarding the
value of the damages
or the amount of
compensation, the
Authority shall appoint
an expert in detecting
and assessing damages
specialized in this field
and is licensed and
registered with the
authority to determine
the value of these
damages or the amount
of compensation at the
expense of the company
for the purposes of
dispute settlement.
the insured, upon
contracting, wants to
repair his vehicle inside
the agency’s workshops
after the first three
years of the vehicle’s
running on the road,
the insurance company
10
may respond to the
request and set the
appropriate installment
that does not exceed the
maximum tariff.
Chapter Three:
Obligations of the
Insured
1. To pay the Agreed upon
Premium.
2. All reasonable
precautions must be
taken to keep and 4. In case of any accident
protect the Insured
Motor Vehicle from loss
or damage and maintain
the same in a good
working condition. In
case of any accident or
breakdown of the Motor
Vehicle, the Insured may
not leave the Insured
Motor Vehicle or any
part thereof without
taking necessary
precautions to prevent
the aggravation of
damages. If the Insured
Motor Vehicle is driven
before making necessary
repairs by the Insured
5. The Company shall
or the Motor Vehicle
Driver, every increase
of damage or every
damage to the Insured
Motor Vehicle arising
from the same will not
be the responsibility of
the Company pursuant
to this Policy.
3. The Insured shall
remain the sole owner
of the Insured Motor
Vehicle throughout
the Insurance Period,
and may not lease the
vehicle to any third party
or sign any contract
which may restrict their
absolute ownership and 6. The Insurer may charge
possession of the Motor
Vehicle without the prior
written consent of the
Company.
which may give rise to
a claim according to
the provisions of this
Policy, the Insured shall
immediately notify
the concerned official
authorities, and shall
promptly notify the
Insurer and furnish all
information related to
the accident without
unjustifiable delay. The 7. In addition to the
Insured shall furnish
the Insurer as soon as
possible for every claim,
notice or judicial papers
once they receive them.
be notified as soon as
practically possible once
they become aware of
any lawsuit, investigation
or detections concerning
the accident. In case
of theft or any other
criminal act which may
give rise to a claim
according to this Policy,
the Insured shall notify transport vehicles.
the police and the
Company promptly and c. Maximum 15%
as soon as practically of the amount of
possible and cooperate compensation of
with the Company in this sports cars and
respect. modified vehicles.
d. Maximum 20%
of the amount of
the Insured that has
compensation of
caused the accident with
vehicles modified
a deductible amount
to be deducted from outside the factory.
the due amount of e. Maximum 20%
compensation due with of the amount of
respect to any accident compensation of
which is caused by them rental vehicles.
personally or by the
person authorized by 8. For application of
them to drive the Motor paragraph (7) of this
Vehicle or cases that Chapter, application of
are deemed committed Deductible Percentages
by an unknown person, shall apply the highest
according to Schedule percentage in the case of
(3). several deductibles for
one accident.
deductible amounts 9. In the event of total
set in Schedule (3), the vehicle loss, it is taken
Insured may charge the into account not to apply
Insured who caused an any of the excess ratios.
accident an additional
deductible as follows: Chapter Four:
Exclusions
a. Maximum 10%
The Company will not pay
of the amount of
any compensation for the
compensation if the
following issues:
Motor Vehicle Driver
is below the age of1. Indirect losses that
25 years. occur to the Insured
or devaluation of the
b. Maximum 10%
Motor Vehicle as a result
of the amount of
of its use, breakdown,
compensation in case
defect or breakage
of taxi and public
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of the mechanical or
electrical devices.
2. The damage arising
as a result of overload
or excess of the limits
of permissible width,
length or height or the
excess of the number 6. The damage to the
of passengers beyond
the licensed number,
provided that it is
proved that this is the
proximate cause of
damage.
3. The damage of tyres if
it does not occur at the
same time as damage
to the Insured Motor
Vehicle.
4. The loss or damage
which occurs to the
Motor Vehicle with
respect to accidents
resulting from:
a. Use of the Motor
Vehicle for purposes
other than those
mentioned in
the Insurance
Application attached
to this Policy.
b. Violation of laws if
the violation implies
an intentional felony
or misdemeanour
according to the
definition mentioned
in the applicable
Federal Penal Code.
5. If it is proven that the
Motor Vehicle has driver’s license.
been used or utilised
in a speed race or test, 7. Loss or damage that
provided that this occurs to the Motor
is proved to be the Vehicle, or any part
proximate cause of the thereof, with respect
accident. to accidents while
the Motor Vehicle is
being driven under the
Motor Vehicle from influence of narcotics,
the accidents which alcohol or drugs that
occur during the undermine the driver’s
Motor Vehicle being ability to control
operated by a driver the Motor Vehicle if
who is not licenced this is proven to the
to drive according to competent authorities
the Traffic Laws or or confessed by the
without obtaining Motor Vehicle Driver.
a driving licence for This exclusion does not
the type of the Motor apply in case of rental
Vehicle according to vehicles.
the Traffic Laws and
8. Loss or damage that
Regulations and the
provisions of this Policy, occurs to the Motor
Vehicle outside the
or the driver holding
an expired Driver’s geographical territory
set out in this Policy,
Licence who fails to
renew it within thirty unless a rider is issued
days from the date of to extend coverage to
the accident, or the this territory.
licence granted to them
9. The accidents that
has been suspended by have occurred, caused,
the court or competent
resulted or are related
authorities or directly or indirectly to
according to the Traffic
natural disasters such
Regulations. as floods, tornados,
hurricanes, volcanoes,
This exception does earthquakes and
not apply in the case
quakes.
of the vehicle intended
for rental as long as 10. Invasion, foreign enemy
the leasing contract hostilities or warlike
is concluded with a operations, whether
person holding a valid war is declared or
not, civil war, strike, recourse to the Insured or
civil commotion, the Motor Vehicle Driver
insurrection, revolution, or both, as the case may
coup d’état, usurped be, in the amount of
power, confiscation, compensation paid in the
nationalisation, following cases:
radioactive substances
and radioisotopes, 1. If it is proven that
atomic or nuclear the insurance was
explosions, or any concluded based
factor directly or upon the Insured’s
indirectly related to any misrepresentation
of the foregoing causes. and non-disclosure of
material facts that affect
11. Loss or damage that the acceptance by the
occurs to the Insured Company to cover the
Motor Vehicle if the risks or insurance rate.
Company loses the
right of subrogation 2. If following payment
to the damage causer of compensation, it is
due to the Insured’s proven that the Motor
declaration of being Vehicle was used for
purposes other than
responsible for the
accident, which they those set out in the
Insurance Application
have not caused. If this
is proven after payment attached to this Policy,
or the maximum
of compensation to the
Insured, the Company number of passengers
may have recourse to it was exceeded, or the
for recovery of amounts Motor Vehicle was
paid to them. overloaded, or its
loading was not secured
12. Loss or damage that correctly or exceeds the
occurs to the Motor limits of permissible
Vehicle off the road, as width, length or height,
defined, unless a rider provided that this
is issued extending is proven to be the
coverage to drive proximate cause of the
outside the road. accident.
3. If following payment
Chapter Five:
Recourses/recovery of the compensation
it is proven that there
from the insured
is a violation of the
The Company may have
law, if the violation
involves a wilful felony
or misdemeanour, as
defined in the UAE’s
applicable Penal Code.
4. If it is proven that the
loss or damage to the
vehicle or any of its parts
resulted from driving
the vehicle by a person
who is not authorized
to drive in accordance
with the Traffic Law,
or without obtaining
a driver’s license or
his driving license has
expired, or the insured or
another person allowed
to drive falls under the
influence of drugs or
alcoholic beverages, or
medications that affect
the driver’s ability to
control the vehicle, if
this is proven by the
competent authorities or
by the confession of the
vehicle driver, but if the
vehicle is intended for
rental, then refer to the
vehicle driver (the renter)
5. If the accident is proven
to have occurred
intentionally by the
Insured or the Motor
Vehicle Driver.
6. If the trailer, half-trailer
or semi-trailer causes
an accident, and the
Insured has not agreed
with the Company on
the existence of such a
trailer.

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7. If loss or damage that
occurs to the Motor
Vehicle is a result of theft
or robbery, recourse will
be against the thief.
Chapter Six: Policy
Termination/
Cancellation
1. The Company may
terminate this Policy on
the condition that there
are serious grounds
for termination during
the Policy Period by a
notice in writing to be
sent to the Insured via
e-mail, facsimile, hand
delivery or registered
letter thirty days prior
to the fixed date of
termination to the latest
3. This Policy shall be
address of the Insured
known by the Company.
The Insurance Authority
shall be advised of
the grounds of such
termination. In this
case, the Company shall
refund to the Insured
the paid premium after
deducting a portion in
proportion to the period
during which the Policy
has remained in effect.
2. The Insured may
terminate this Policy by
a notice in writing to be
sent to the Company via
e-mail, facsimile, hand
delivery or registered
letter seven days prior
to the fixed date of
termination. In this Schedule No. (1)
case, the Company shall
refund to the Insured Depreciation Percentages, Except for Taxi Vehicles, Public Transport Vehicles and Rental
the paid premium after Vehicles, According to the Date of First Registration and Use
deducting a portion in
proportion to the period YEAR PERCENTAGE
during which the Policy
First -
has remained in effect
subject to the Short Second 5%
Rate Schedule No. (4),
provided that there is no Third 10%
compensation paid to
the Insured or pending Fourth 15%
claims in relation to this Fifth 20%
Policy during the period
of time the Policy is Sixth and above 30%
valid, if the Insured has
caused the accident or
in cases that are deemed Schedule No. (2)
committed by unknown
persons. Depreciation Percentages for Taxi Vehicles, Public Transport Vehicles and Rental Vehicles
According to the Date of First Registration and Use
considered terminated YEAR PERCENTAGE
in case of a total loss
First 10%
to the Motor Vehicle,
provided that its Second 20%
registration is deleted
with a report issued by Third 25%
the Road and Traffic
Fourth 30%
Department confirming
that it is unroadworthy,
Fifth 35%
and the Company
Sixth and above 40%
shall compensate the
Insured according to the
provisions of this Policy.
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2 Unified Third Party Policy
Schedule No. (3) Deductibles The Unified Motor Vehicle
Insurance Policy against
MOTOR VEHICLE DEDUCTIBLE Third Party Liability issued
pursuant to the Regulation
Private vehicles where the permissible number of passengers of which Maximum AED
of Unifying Motor Vehicle
does not exceed (nine) passengers and its value does not exceed AED 350/per each
Insurance Policies according
50,000 accident
to Insurance Authority Board ƒ Property Damages to a
Private vehicles where the permissible number of passengers of which Maximum AED of Directors’ Decision No.
does not exceed (nine) passengers and value of which exceeds AED 700/per each (25) of 2016.
50,000 and not exceeding AED 100,000 accident
Whereas the Insured
Private vehicles where the permissible number of passengers of which Maximum AED has applied to GIG Gulf
does not exceed (nine) passengers and value of which exceeds AED 1,000/per each (hereinafter referred to as
100,000 and not exceeding AED 250,000 accident the “Company”) for the
Private vehicles where the permissible number of passengers of which Maximum AED insurance set herein below,
does not exceed (nine) passengers and value of which exceeds AED 1,200/per each and has agreed that the
250,000 accident application is considered
as the basis for and integral
Private vehicles where the permissible number of passengers of which Maximum AED
does not exceed (nine) passengers and value of which exceeds AED 1,400/per each part of this Policy, and has
500,000 accident paid or agreed to pay the
applicable premium, and
Maximum AED the Company has accepted
Private vehicles where the permissible number of passengers of which
1,500/per each and represented to pay
exceeds (nine) passengers does not exceed (12) passengers
accident compensation to a Third
Private vehicles the permissible number of passengers of which exceeds Maximum AED Party/Victim/claimant Party
(12) passengers, rental vehicles, and trucks where the tonnage of which 1,700/per each in case of any accident
exceeds (three) tons accident subject to this insurance,
Maximum AED whether it emerges from the
Trucks where the tonnage of which exceeds (three) tons and passenger use or parking of the Motor
4,500/per each
buses and industrial vehicles for construction and agricultural works Vehicle in the UAE during
accident
the insurance period.
Therefore, this Policy
Schedule No. (4)
was entered into to cover
liability towards a Third
Short Rate Schedule - Percentages of Recoverable Premium
Party/victim/claimant Party
POLICY VALIDITY PERIOD RECOVERABLE PREMIUM caused by the Insured
Motor Vehicle to the Third
A period not exceeding one month 80%
Party/victim/claimant Party
A period exceeding one month and not exceeding four months 70% according to the terms,
conditions and exclusions in
A period exceeding four months and not exceeding six months 50%
or appended to this Policy
A period exceeding six months and not exceeding ten months 30% for the amounts the Insured
A period exceeding ten months Nil or the Motor Vehicle Driver
16
must pay against:
ƒ Any Bodily Injury to a
Third Party, either inside
or outside the Motor
Vehicle.
Third Party.
Definitions
The following terms and
phrases shall have the
meanings indicated beside
each of them unless the
context provided otherwise:
Policy:
The Unified Motor Vehicle
Insurance Policy Against
Third Party Liability whereby has not been cancelled by
the Company undertakes
to compensate the victim/
claimant third party, on the Executive Regulations. This
occurrence of the damage
hereby covered, and any
endorsement to it, which
governs the relationship
between the parties, in
return of the premium paid
by the Insured.
Company (Insurer) /
We / Us / Our / Ours:
The insurance company
that is licenced to operate
inside the Emirate according
to the laws and regulations
issued in the Emirate and
accepts to insure the Motor
Vehicle and has issued the
Policy. In this policy means
Gulf Insurance Group (Gulf)
B.S.C.(c).
17
Insured:
The person that has applied
for insurance, entered into
an insurance contract with
the Company, and paid
or has agreed to pay the
premium.
Motor Vehicle Driver:
The Insured or any person
who drives the Motor Vehicle
by the permission or order
of the Insured, provided
that they are licenced to
drive according to the Motor
Vehicle category pursuant
to the Traffic Laws and other
laws and regulations, and
that the granted licence
a court’s order or by virtue
of the Traffic Laws and its
definition includes the
driver whose driving licence
has expired if they manage
to renew it within 30 days
from the date of accident.
Injured Third Party:
1. Any natural or corporate
person, or their
properties, which have
suffered an injury or
damage as a result of
the accident, excluding
the Insured, the Motor
Vehicle Driver and
passengers employed by
the Insured if they are
injured during and
because of work.
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2. The family members
of the Insured and the
Motor Vehicle Driver
(spouse, parents and
children) who caused
the accident.
3. The driver of a Motor
Vehicle allocated for rent,
public transportation or
a vehicle used to teach
driving.
Insurance Application:
The application that
includes the details of the
Insured, the details of the
Motor Vehicle and the type
of required coverage, which
is filled in by or with the
knowledge of the Insured
electronically or in writing.
Premium:
The consideration that is
paid or undertaken to be
paid by the Insured in return
for insurance coverage
Accident:
Any incident that causes
harm to a Third Party/
victim/claimant Party as
a result of use, explosion,
combustion, scattering, drop
of things from, movement,
spontaneous movement or
parking of the Motor Vehicle. Any general phenomenon
Bodily Injury:
Death and/or physical
injuries to a Third Party,
including permanent
disability or temporary total
or partial disability.
Property Damage:
Damage to a Third Party’s
property.
Motor Vehicle:
A mechanical machine,
motorcycle or any other
device that works through
a mechanical force, with its
specifications described in
the Policy.
Trailer:
A vehicle designed to
be pulled behind a
Motor Vehicle, truck or
towing vehicle, including
lightweight trailer (camper
trailer), the weight of which
does not exceed 750kg and
it so licensed according to
the applicable Traffic Laws.
Semi-Trailer:
A trailer without a front
axle and is towed in such
a way that a large part of
its weight and tonnage is
carried by the towing vehicle
or the mechanical vehicle
(locomotive).
Natural Disaster:
that arises from nature
such as floods, tornados,
hurricanes, volcanoes,
earthquakes and quakes,
that leads to extensive and
widespread damage, and in
18
respect of which a decree
is issued by the concerned
authority in the Emirate.
Rider:
Any additional cover
between the parties in
supplement to the basic
coverage under this Policy.
Personal Accidents
Endorsement:
An additional insurance
coverage against personal
accidents to the Motor
Vehicle Driver, the Insured
and the passengers,
excluded from the basic
coverage in return for an
additional premium.
Third Party Liability:
The liability for injuries and
damages arising from the
use of the Insured Motor
Vehicle to a Third Party/
victim/claimant/injured
Party.
Road:
Every road open and
available to public without
the need to get special
permission, and every
place that is made available
for the crossing of motor
vehicles, and is made
available to the public by a
permission or licence from
a concerned authority or
otherwise, for or without
consideration according to
the definition mentioned in
the applicable Traffic Laws.
Depreciation
Percentage:
The percentage payable by
the victim/claimant party
on the occurrence of an
accident, when they insist
on new parts replacement
instead of the used parts
in case of partial loss
according to the schedules
of depreciation.
Accessories:
Parts originally installed in
the vehicle by the vehicle
manufacturers and included
in the original price such as
radios, stereo equipment,
telephones and other
items, the make and values
of which are specifically
declared to the Company
and stated in the Schedule.
Family Member:
Any member of Your
household who resides
with You.
Licenced Driver:
The insured or any person
driving with his permission
provided that the person
driving holds a valid driver’s
licence for the vehicle in
accordance with the Traffic
Laws and Regulations and
has not had his driver’s
licence withdrawn by order
of a court of law or traffic
regulations.
Period of Insurance: 4. The Third Party/
The period of time covered
by this Policy, as shown
in the schedule, and any
further period that We agree
to insure You.
Territorial Limits:
United Arab Emirates and 5. a. In case of death of
any other area stated in Your
Policy Schedule.
Chapter One: General
Conditions
1. The Policy and its
schedules shall
constitute one integral
contract, and any Rider
to this Policy shall
constitute an integral
part hereof, and every
term or phrase to which
a special meaning
has been given in any
part of the Policy or its
schedules shall have
the same meaning
elsewhere, unless the
context otherwise
requires.
2. This Policy does not
apply outside the
Emirate.
3. The Company may not
assert to the victim/
claimant Third Party
that it is not liable for
compensation as a result
of any argument that
can be used against the
Insured.
19
victim/claimant Party
may submit a claim
to the Company for
compensation for
damages caused to
them by the Insured
Motor Vehicle.
a family member of
the Insured or the
Motor Vehicle Driver,
the Company’s
liability will be
limited to an amount
of AED 200,000 (Two
Hundred Thousand
Emirati Dirhams) per
person. In case of
injury, the Insurer’s
liability will be
further limited to
the percentage of
disability per person.
b. In case of death
of the driver of a
rental vehicle, public
transport vehicle
and a vehicle used
to teach driving, the
Company’s liability
will be limited
to an amount of
AED 200,000 (Two
Hundred Thousand
Emirati Dirhams) per
person. In case of
injury, the Insurer’s
liability will be
further limited to
the percentage of
disability per person.
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6. Any notice or notification provided for in the
of an accident that is Policy may be agreed
required by this Policy upon or the limits of
shall be served to the such liabilities and
Company in writing by coverages may be
e-mail, facsimile or by increased under a
hand delivery to the separate policy or an
address designated in additional rider.
the Policy as soon as
practically possible. 8. The Company may, at
its expense, assume the
7.  a. With respect to a judicial and settlement
fleet insurance policy proceedings to
or any Motor Vehicle represent the Insured or
insured under this the Motor Vehicle Driver
Policy, the Company through an attorney
may not enter into in any investigation or
any agreement interrogation and before
that may reduce or any court in any lawsuit
prevent the coverage or intervention in any
of its full Third Party phase of the lawsuit
Liability arising from in relation to a claim
death, bodily injuries or accident for which
or property damages the Company may be
covered under this held liable under this
Policy or reduce the Policy, and which may
limits of liability of give rise to the payment
the Company or of compensation
reduce the coverage according to this Policy.
contemplated under The Company may
this Policy, including settle or enter into a
depriving a claim reconciliation for such
for compensation claim. The Insured shall
for any reason provide every possible
not related to the cooperation with the
accident such as age, Company by signing
gender, or the date of a power of attorney
acquiring the driving or otherwise to the
licence, or otherwise, Company to initiate any
or the agreement will proceedings.
be deemed void.
9. Without prejudice to the
b. However, new rights emerging from
coverage not Life insurance policies 10.
and personal accident shall: them the amount in the Insurance Company
insurance policies, and cash; in which case, shall repair the damaged
in case of the existence a. Repair the damaged the Company shall Motor Vehicle at the
of several compulsory Motor Vehicle or accept the Insured’s agency repair shops
policies against Third any of its parts, request. for the Motor Vehicle
Party Liability emerging accessories or spare if it is in its first year of
from the use of the parts and restore d. The Company shall registration and use.
Motor Vehicle issued the Motor Vehicle pay in cash to the
by more than one to its pre-accident victim/claimant 13. a. Upon the lapse of
Company: condition. Party, upon their more than one year
request, the amount after registration and
a. Compensation shall b. Pay the market value of damages (loss use, the Company
be divided equally of the damaged or damage) of the shall repair the
between Insurers Motor Vehicle if the damaged parts of damaged Motor
in case of death value of damages the Motor Vehicle in Vehicle at a suitable
and/or injuries. exceeds (50%) of whole or any of its repair shop for the
If the liability is the market value of parts, accessories type and year of
shared (between the Motor Vehicle or spare parts manufacture of
the Insured and the at the time of the and including the vehicle and
Third Party/victim/ accident, provided the charges for the damaged parts
claimant Party) that the Company’s installation and may be replaced
based on the degree liability does not replacement of lost by original parts
of negligence, then exceed an amount or damaged parts of the same grade.
the percentage of of AED 2,000,000 per at the time of the The Company shall
participation in the accident according accident in order to ensure that repair
negligence shall be to Paragraph (c) of restore the pre- works are carried
taken into account. Clause (1) of Chapter accident condition of out according to
Two: Obligations the Motor Vehicle. technical standards
b. Compensation for of the Insurance and that the repairs
property damages Company. 11. The damaged parts are guaranteed by
shall be divided of the Motor Vehicle, the repair shop.
based on the c. Replace the for which the first
damaged Motor The Company shall
percentage of the registration and use of ensure that the
insured amount Vehicle in case which is less than one
of total loss, for victim/claimant
set out in each year, shall be replaced Third Party is able to
policy to total another Motor with new original parts
Vehicle with have the car checked
insured amounts with no deduction of a by any approved
in all policies, after the same make, Depreciation Percentage
model, additions motor vehicle test
the percentage of for the victim/claimant and licensing agency
participation in the and pre-accident Party.
condition unless in the state to make
negligence is taken sure that the motor
into account. the Third Party/ 12. If it is agreed with the
victim/claimant victim/claimant Third vehicle has been
properly repaired
On the occurrence of an Party requests that Party to repair the
accident, the Company the Company pay damaged Motor Vehicle, and it passes any

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road-worthy test. registration or its use
If it is found that and until the end of the
the repairs are second year shall be
below required after deduction of 15%
and recognized of the value of the final
technical standards, repair bill.
the Company shall
address the issue(s) 2. the reimbursement for
until the Third the motor vehicle that
Party’s motor vehicle has passed more than
is professionally two years from its first
registration or its use
repaired as soon as
practically possible. and until the end of the
third year shall be after
b. For the damaged deduction of 30% of the
motor vehicle, value of the final repair
insured against bill.
loss and damage
at an insurance 3. in case more than three
company with the years have lapsed since
condition of repair the first registration or
within the agency , use of the motor vehicle
the repair shall be , the company shall
carried out within abide by repairing the
the agency’s repair damaged vehicle at
shops pursuant to suitable repair shops
this condition. for the type and year
of manufacture of the
The insurance vehicle. the damaged
company insuring parts shall be replaced
the loss and damage with original parts of
the same standard,
has the right of
provided that , if the
recourse against the
agreement between
third party liability
the loss and damage
insurance company
insurance company
in accordance
and the insured has the
with the following
condition that “repair
reimbursement
shall be within the
basis:
agency” , this condition
1. The reimbursement for shall remain effective.
the motor vehicle that
has passed more than 4. the existing rights
one year from its first between companies
prior to the
implementation of
the regulation shall be
observed.
14. If the victim/claimant
Third Party requests
that new parts are to 17. In the event that the
be installed in lieu of
the parts damaged
during the accident,
they have to bear the
Depreciation Percentage
set in Schedule (1) of
the final value of the
purchase invoice. In
case of taxi vehicles,
public transport vehicles
and rental vehicles, the
Depreciation Percentage
set in Schedule (2) of
the final value of the
purchase invoice will be
applied.
15. Neither depreciation 18. If the Motor Vehicle
may be deducted nor
used parts be installed if
the parts are within the
list set out in Schedule
(4) of this Policy.
16. for the third party
/ injured person to
undertake the repair of
damages related to the
vehicle as a result of the
accident, provided that
the cost of the repair
does not exceed the
amount agreed upon
with the company,
and then the company
must deliver the injured
person the full value of
the repair agreed upon,
and the company shall,
if it wishes, request to
provide it with evidence 19. In the event that there is
that the repair process is
complete.
vehicle base (chassis)
is damaged, whether
it is replaceable or not,
or fixed parts of the
vehicle such as columns
are damaged and these
parts need to be cut,
tightened, or welded as
a result of the accident,
the vehicle is considered
to be in a state of total
loss, and the company is
obligated to compensate
according to the market
value of the vehicle at
the time of the accident.
is considered as total
loss, and the Company
compensates the victim/ 20. In case of an agreement
claimant Third Party on
that basis, the salvage
will be deemed property
of the Company. The
victim/claimant Third
Party may not be
charged any expenses
related to the transfer
of the Motor Vehicle
title or issuance the of a
certificate of ownership
of the Motor Vehicle,
provided that the Motor
Vehicle is free of any 21. The Company may not
obligations against Third
Party such as traffic fines
or otherwise. the accident, if lateness
is attributed to an
acceptable excuse.
any dispute between the
company and the injured 22. The provisions of
third party regarding this Policy cover the
the value of the damages to a Third Party
damages, the amount caused by a trailer or
of compensation, or semi-trailer as long as it
the determination of is pulled by the vehicle.
the market value of
the damaged vehicle, 23. Neither this Policy
nor any rider hereto
then the Authority shall
appoint an expert to undermines the right
detect and assess the of any person to claim
damages, a specialist in for compensation
this field and is licensed or recovery of any
and registered with the amount payable under
authority to determine the provisions of any
the value of these applicable legislation.
damages or the amount
of compensation or Chapter Two:
the market value at the Obligations of the
expense of the company Insurance Company
for the purposes of 1. In case of any accident
dispute settlement. that results from
the use of the Motor
Vehicle, the Company
to insure the Insured shall compensate the
himself, the Motor Victim/claimant Third
Vehicle Driver or any Party within the scope
person excluded from
of its limits hereunder
the coverage under this
for all amounts which
Policy, the amount of
the Insured or the
the death benefit will
Motor Vehicle Driver is
be determined not less
committed to pay as
than AED 200,000 (Two
compensation for:
Hundred Thousand
Emirati Dirhams) at a a. First: Death or
minimum. any bodily injury
inflicted on any
person, including
refuse to compensate the occupants of the
the Insured as a result vehicle except for the
of late notification of

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insured, the driver of treatment expenses. properties (except First: In the event paying the benefit is 3. In case of the death of a
the vehicle causing for those owned that the injured ten days. person covered by the
the accident, and Third: In all cases, in by the Insured or third party chooses insurance provided for
the passengers who the event of injury, the Motor Vehicle the monetary Fourth: In the event hereunder, the Company
work for the insured the company is Driver at the time of compensation, no that the company shall pay the benefit
person, if they were obligated to pay all the accident or the allowance shall be chooses not to pay due as a result of the
injured during work, treatment expenses properties kept with calculated for the the amount at the accident to their heirs
and because of towards any of the them in trust or in loss of the benefit. common price, it according to the terms
it, and the person medical service their guardianship must provide - to the and conditions hereof.
is considered a providers including or possession), the Second: In the event residence place of
passenger of the all government and insured amount that the damaged the injured person 4. The Company shall
vehicle, whether private hospitals, of any claim or vehicle is chosen to - an alternative abide by any settlement
he is inside the pharmacies, and total claims arising be repaired in the vehicle similar to between the Insured
vehicle, ascending any treatments from one accident repair shop as the the same type of the and the Victim/claimant
to it, or descending required by the case, is AED 2,000,000 case may be, the damaged vehicle for Third Party if it is done
from it, and the and in the event (Two Million Emirati period of the loss of that period and in a with its written consent.
maximum liability the treatment is Dirhams) regardless benefit allowance very good condition
of the company for not completed, the of the number of shall be calculated in to drive on the roads. 5. The insurance provided
insurance company days from the date for under this Chapter
any claim or set of the persons whose Fifth: In the event shall be extended,
claims arising from shall issue a letter properties are of delivery of the
of commitment damaged vehicle, of entitlement subject to the terms and
one accident is the damaged, inclusive to a benefit loss conditions hereof, to the
value of what is ruled directed to the of necessary costs the accident report
treating party. and the ownership allowance, and liability of every licenced
judicially, regardless of movement of the injured third driver while they are
of its value. the damaged Motor to the company.
b. Subject to paragraph party has insurance driving the Insured
(a) above, the Vehicle to the agency Third: The liability against loss, Motor Vehicle.
Second: In the shop or other repair
event of the death liability of the of the insurance damage and civil
Insurance Company shops according to company for the lost liability, he may, 6. The company shall
of the husband, one this Policy, as the pay an amount of 6770
of the parents, or shall be the value benefit allowance is for the purposes of
judicially awarded case may be. calculated each day obtaining the benefit dirhams, six thousand
one of the children seven hundred and
are injured, the of any amount d. The injured third for each damaged loss allowance,
whatsoever, vehicle according directly claim his seventy dirhams, to
maximum limit is party owner of the the ambulance service
200,000 dirhams including the Third private vehicle is to an alternative company, which has
Party’s judicial vehicle fare similar the right to claim the provider and medical
for each deceased, entitled according transportation to
but in the case of expenses and to what is indicated to the type of the company insuring
charges, except vehicle, considering who caused the hospitals for every
injury with disability, in the vehicle “injured” person who
the compensation for fines. The ownership certificate the prevailing and civil liability to the
Company shall pay common price in the amount it paid. is physically injured, or
is according to issued by the deceased, and is treated
the percentage compensation to the Traffic Department car rental market
Third Party once the in that emirate, not 2. The Company may not and transported to the
of disability to benefit loss apply any deductible hospital as a result of an
attributable to an judgment becomes allowance exceeding three
enforceable. hundred dirhams from the Victim/claimant accident occurring from
amount of 200,000 (alternative vehicle) Injured Third Party a vehicle insured with
dirhams, in addition and according to the per day, and the
c. As to the damages maximum period for compensation. the company against
to the medical to items and following details: civil liability, and this

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obligation includes all 2. The Insured or the Motor occur outside the obtained additional proximate cause of the the date of accident.
the deceased or injured Vehicle Driver shall borders of the Emirate. coverage under a rider accident.
from those accidents, notify the Company or another policy. 6. If it is proven that the
including those as soon as practically 2. The accidents that 3. If it is proven that the Motor Vehicle Driver, or
excluded by paragraph possible once they have occurred, caused, Chapter Five: Motor Vehicle was another person allowed
(a) of Clause (1) from become aware of any resulted or are related Recourses /Recovery used in a speed race or by them to drive the
the covered risks, taking lawsuit, investigation directly or indirectly to from the Insured test (in impermissible Motor Vehicle, caused
into account when or findings concerning natural disasters such cases), provided that the accident while
The Company may have
determining the amount the accident, unless the as floods, tornados, this is proven to be the being in an abnormal
recourse to the Insured, the
of the ambulance and delay is attributed to hurricanes, volcanoes proximate cause of the condition due to being
Motor Vehicle Driver or the
medical transportation an acceptable excuse. or earthquakes or accident. under the influence of
person responsible for the
allowances the capacity In case of theft or any quakes. narcotics or alcohol that
Accident, as the case may 4. If following payment
and readiness of the other criminal act undermine the driver’s
3. Invasion, foreign be, within the limit of the of the compensation
aid and the medical which may give rise to ability to control the
enemy hostilities or amount of compensation it is proven that there
transport of more than a claim according to Motor Vehicle or medical
warlike operations, paid in the following cases: is a violation of the
one casualty. this Policy, the Insured drugs for which driving
whether war is laws, if the violation is medically prohibited.
shall promptly notify the 1. If it is proven that
declared or not, civil involves a wilful felony In case of rental vehicles,
Chapter Three: concerned authorities war, strike, riot, civil
the insurance was
or misdemeanour, as
Obligations of the and the Company as concluded based recourse will be made
commotion, mutiny, defined in the UAE’s against the Motor
Insured soon as practically rebellion, revolution,
upon the Insured’s
applicable Penal Code.
possible and cooperate misrepresentation Vehicle Driver (renter).
1. In case of any accident insurrection, or ionising
that gives rise to a with the Company in or non-disclosure of 5. If it is proven that the
radiation contamination 7. If it is proven that the
claim according to the that regard. material facts that affect Motor Vehicle was driven
by radioactivity from accident occurred
provisions of this Policy, the acceptance by the without obtaining the
3. Neither the Insured any nuclear fuel, power intentionally by the
the Insured or the Motor Company to cover the driving licence for the
nor any person acting usurpation, confiscation Insured or the Motor
Vehicle Driver shall risks or determination of type of Motor Vehicle
on their behalf may or nationalization, Vehicle Driver.
notify the concerned the premium. according to the Traffic
declare acceptance of radioactive substances
official authorities and and radioisotopes, Laws and Regulations 8. If the trailer, half-trailer
liability, offer, promise or 2. If the Motor Vehicle is
the Insurer within a atomic or nuclear and the provisions or semi-trailer caused
payment of any amount proven to have been
reasonable period of explosions, or any of this Policy, or that the accident and the
without the written used for purposes other
time after occurrence element related directly the licence granted Insured has not agreed
consent of the Company. than those set out in the
of the accident and or indirectly with the to the Insured or the with the Company to
Insurance Application
furnish all documents above mentioned Motor Vehicle Driver include it in the policy.
Chapter Four: attached to this Policy or
was suspended by a
and details pertaining Exclusions causes. the maximum number of
court’s order or by the 9. If the Motor Vehicle is
to the accident, unless passengers is exceeded
This Insurance does 4. The accidents that concerned authorities used outside the road,
the delay is attributed or the Motor Vehicle
not cover the Third occur to the Insured, or by virtue of traffic as defined in this Policy,
to an acceptable excuse. was overloaded or its
Party Liability arising or the Motor Vehicle regulations, or that without any additional
The Insured shall furnish loading was not secured
emerging from accidents Driver or the persons Motor Vehicle driving coverage.
the Company as soon as correctly or exceeds the
possible a copy of every that are caused by the employed by the licence was expired at
limits of permissible 10. If damages occur to the
claim, notice or judicial Insured Motor Vehicle in the Insured if they are the time of the accident,
width, length or height, Victim/claimant Third
document once they following cases: victim/claimant during unless the driver
provided that this Party is a result of theft
receive them. and because of work, manages to renew it or robbery of the Insured
1. The accidents that is proven to be the
unless they have within thirty days from

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Motor Vehicle, recourse Schedule No. (3) set shall be competent to Schedule No. (1)
will be against the thief out in this Policy, determine any dispute
Depreciation Percentages for Parts of Private Motor Vehicles
only. provided that there arising in connection
are no paid claims or with this Policy
YEAR PERCENTAGE
Chapter Six: Policy outstanding claims
Termination / where the Insured First -
Cancellation has caused the
1. Neither the Company accident. Second 5%
nor the Insured may Third 10%
3. This Policy shall be
terminate this Policy
considered terminated
during its term as long Fourth 15%
in case of a total loss
as the Motor Vehicle
to the Motor Vehicle, Fifth 20%
licence is valid.
provided that its
2. However, the Policy may registration is deleted Sixth and above 30%
be terminated before with a report issued by
its expiration on the the Road and Traffic
grounds of: Department confirming Schedule No. (2)
that it is unroadworthy, Depreciation Percentages for Parts of Taxi Vehicles, Public Transport
a. Cancellation of and the Company and Vehicles and Rental Vehicles
the Motor Vehicle the Insured shall remain
licence; bound by its provisions YEAR PERCENTAGE
before termination.
b. Submission of a new Last six months of the first year 10%
policy due to change Chapter Seven: General
of the Motor Vehicle Provisions Second 20%
details; or
1. The Company shall Third 25%
c. Transfer of the Motor include all details in
Vehicle title by virtue Schedule (5) of this Fourth 30%
of a certificate issued Policy, and this Schedule
Fifth 35%
by the concerned shall be part of this
authority. Policy. Sixth and above 40%
In this case, the 2. Any lawsuits arising
Company must from this Policy may not
refund to the Insured be filed after the lapse
the paid premium of three years from the
after deducting a date of the accident
portion in proportion or the Victim/claimant
to the period during Party and related parties
which the Policy become aware of the
has remained in damage and the person
effect according liable for it.
to the Short Rate
3. The courts of the Emirate

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3 GIG Automatic Extensions, Optional
Covers and General Exclusions
Schedule No. (3) Automatic Extensions
Short Rate Schedule - Percentages of Recoverable Premium A. THIRD PARTY
PROPERTY
RECOVERABLE DAMAGE LIMIT IS
POLICY VALIDITY PERIOD
PREMIUM INCREASED TO AED
3,500,000.00
A period not exceeding one month 80%
B. ACCIDENT/
A period exceeding one month to the end of the fourth month 70%
BREAKDOWN
A period exceeding four months to the end of the sixth month 50% RECOVERY
& ROADSIDE
A period exceeding six months to the end of the eighth month 30% ASSISTANCE
A period exceeding eight months Nil ƒ Towing of the Insured
Vehicle
In the event of a
Schedule No. (4) breakdown or accident
List of the parts damaged by a traffic accident which must be replaced for new ones of the Insured Vehicle,
without deduction of any depreciation GIG will arrange to tow
or transport the Insured
Glass Vehicle to the nearest
authorized proper
Brake master cylinders
workshop.
Brake wheel cylinders
ƒ Removal of the insured
Vehicle
Brake calipers
Brake cables (conduit type) If while driving on paved
roads, the covered
Brake hoses Vehicle breakdown and
were to be unable to
Brake diaphragms move by its own means,
the Company will
Steering boxes
arrange its removal, up
Steering rakes to an agreed limit.
Steering ball joints and swivels ƒ Off road recovery
Seat belts If your vehicle breaks
down or is unable to
move by its own means
due to overturning or
failing down a slope or
is ‘stuck’ off-road, we
will arrange to have
30
the vehicle towed to
the dealer’s garage or a
garage of the Insured’s
choice, or to the nearest
roadway.
This service is only
provided during day
light and only if the
cause happened during
the normal course
of driving. Vehicles
participating in any
desert event or rally are
excluded.
Provided that:
The vehicle has
four-wheel drive ƒ Tyre Replacement
capability and is used in
accordance with its user
guide.
ƒ The assistance does
not endanger the
lives of the person
intending to provide
the Assistance.
ƒ The Assistance will
not be obligated in
situation where the
provision of assistant ƒ
is impossible or due
to circumstances
applying or
prevailing when
the assistance is
required.
ƒ In case we are not ƒ Lockout Service
able to pullout
the vehicle due to
adverse situations,
the insured should
31
take the assistance
of the police
department.
The maximum
amount payable
under Removal of
the insured vehicle
on road or off road is
AED 1,100 in respect
of removal of the
Insured Vehicle
necessitating the
use of a crane. Any
additional expense
would need to
be borne by the
Insured.
If Your Vehicle has a
flat tyre, We will help
to change the tyre,
using an approved GIG
technician.
The supply of parts &/
or tools; spare tyre, jack
and other tools are not
included within this
specific cover.
Battery Service
If the battery is ‘dead’,
Your Vehicle will be jump
started to get it moving,
using an approved GIG
technician.
If You are locked out of
Your Vehicle, We will
attempt to open the lock
Policy Handbook
Motor Perfect
under the supervision
of the appropriate
authorities.
C. OMAN COVER
EXTENSION
It is agreed and E. PERSONAL INJURY
acknowledged against
payment of additional
Premium, that the
territorial limit for this
policy is extended to
include The Sultanate
of Oman.
D. MEDICAL EXPENSES
The Company will pay
to the Insured and/
or any other occupant
of the Insured Vehicle
the reasonable cost
of medical expenses
incurred in connection
with any accidental
bodily injury as the
direct and immediate
result of an accident
to the Insured Vehicle.
‘Immediate’ means
treatment commencing
within 24 hours of
the time and of the
accidental bodily injury.
EXCEPTIONS
a. This shall apply only in
respect of private motor EXCEPTIONS
vehicles insured in the
a. This section does not
name of an individual.
b. The liability of the
company shall not
exceed the sum of aed
3,500 (three thousand b. This section applies
five hundred emirati only in respect of
dirhams) per person private motor vehicles
in respect of any one insured in the name of
accident. an individual and does
not cover:
i. Death or injury
The Company will
arising from suicide
pay AED 20,000 to the
or attempted
Insured and/or spouse
suicide.
(or in the event of death,
to their legal personal ii. Anyone who is over
representatives) if the 70 years of age at the
Insured and/or spouse time of the accident.
suffer accidental
c. If anyone claiming is
bodily injury in direct
connection with the use convicted in connection
of the Car. The injury with the accident of a
must be sustained drink-driving offence
independently of any or of driving under the
other cause and resulted influence of drugs.
in the following within
three calendar months: F. PERSONAL
BELONGINGS
a. Death. We will pay You (or if You
prefer, the owner) for the
b. Total irrecoverable
value of loss or damage
loss of sight in one or
caused to personal
both eyes.
belongings by fire, theft
c. Total loss by physical or accident while the
severance of one belongings are in Your
or more limbs at or Insured Vehicle and if
above the wrist or mentioned in the police
ankles or permanent report. In the event of
loss of one or both a dispute, You will be
hands or legs. required to provide
proof of valuation and/or
purchase. The maximum
amount payable under
apply when Personal this benefit shall not
accident cover for exceed AED 4,000 (Four
driver and Passenger Thousand Emirati
are covered. Dirhams) in respect of
32
any one claim or series
of claims resulting from
one incident. There will
be an amount deducted
for wear, tear and
depreciation or pay the
market value of the loss,
whichever is lesser.
EXCEPTIONS
We will not pay for loss or
damage to the following:
a. Money, stamps, tickets,
documents or cards
of every kind and
description.
H. REPLACEMENT
b. Theft of any property
carried in an open top
or convertible vehicle
unless in a locked
boot or locked glove
compartment
c. Goods or samples
carried in connection
with any trade.
d. Any such property
ƒ  ll external locks of the
insured under any other
insurance policy.
ƒ The ignition/steering
G. WINDSCREEN
DAMAGE
We will cover the cost of
replacing or repairing ƒ  he lock transmitter
broken or damaged
windscreens, windows
or glass in the sunroof
of Your Vehicle, and
scratches to the body
work caused by the
glass breaking. It being
understood that any
claim payment in
respect thereof shall
not be subject to any
Excess provided that
the replacement of such
windows or windscreens
does not exceed the
sum of AED 5,000.
(Five Thousand Emirati
Dirham).
Any claim made under
this Cover will not
affect Your No-Claims
Discount.
LOCKS
In the event of damage
to locks on the Insured
Vehicle or in the case of
the theft of keys, ignition
ƒ  hotel, restaurant or
card or lock transmitter
of the Insured Vehicle
We will pay for the
necessary replacement
cost of:
A driver.
Insured Vehicle;.
lock if this is operated by
the same key; and
T due verification
and/or central locking
interface
The maximum amount
payable under this cover
is AED 1,000/-
Any claim under this
33
Section will not affect
Your No Claims Discount.
No Excess applies to this
Cover
I. MOTOR TRADE &
VALET PARKING
If You have a
comprehensive Policy,
We will indemnify You
for loss of or damage
to the Insured Vehicle
whilst in the custody or
control of:
ƒ  motor garage or
A
other similar business,
which You do not own,
which has the Insured
Vehicle for the purpose
of maintenance, repair,
testing or servicing.
A
similar business, which
the You do not own,
where the Insured
Vehicle has been parked
by their authorised
PROVIDED THAT:
a. The vehicle is handed
over only to the
authorized person after
b. The person who handed
the vehicle is a licenced
driver
c. This is not covered by
any other policy.
Policy Handbook
Motor Perfect

J. NEW CAR race of any kind N. RIOT, STRIKES, B. HIRE CAR BENEFIT repaired. Any other D. PERSONAL
REPLACEMENT STORM & FLOOD specific UAE restriction ACCIDENT BENEFIT
L. RTA INSPECTION Following an accident
to vehicle rental shall
If Your Car is under Service The Cover is extended to covered by Chapter 1 It is agreed and
apply.
six months old and is indemnify the Insured (own damage) of Your acknowledged against
declared a total loss, If You need to inspect in respect of loss of or Policy, We will provide a payment of additional
EXCEPTIONS
We will pay for either a the Insured Vehicle, We damage to the Insured hire car for a maximum Premium, that the
brand new replacement will pick up the Vehicle Vehicle caused by: period of seven days. a. Fuel costs, parking costs Company has agreed
model or for the value from the location of your Where the Insured or any fines. and acknowledged to
of the Car when You request and complete ƒ Riot, strike & civil Vehicle is declared a pay compensation in
the Vehicle inspection. commotion, which b. Hire car charges after a
bought it, whichever is total loss due to damage accordance with the
The Insured Vehicle will does not assume the period of seven days.
the lowest or theft, We will provide table stated herein-
be taken for inspection proportions of or a hire car for up to seven under for death or
c. Excess applied in the
PROVIDED THAT: only once. If due to any amount to a popular days or until We make an any physical injuries
case of an accident
reason the customer has uprising offer to settle Your claim, sustained by Insured’s
a. Your vehicle is not occurred while driving a
to take the Vehicle more whichever is earliest. and/or driver’s family
imported ƒ Flood, storm, typhoon, hired car.
than once, the Insured This benefit is provided members (spouse,
will be charged an extra cyclone, tornado,
b. Your vehicle was bought subject to Us accepting d. Any kind of legal parents and children)
fee. It is the Insured’s volcanic eruption,
as brand new from the Your claim. liability arising out of and/or employees
responsibility to check earthquake or other
uae dealership the use of the hire car while ascending or
all the fines due and pay convulsions of nature. Use of any hire car descending from the
c. You can provide a receipt in advance. All Automatic Extensions mentioned under the C. GCC COVER Vehicle as a result an
from the dealership are subject otherwise to covers set out above The territorial limit for accidental incident that
proving the amount you M. NO CLAIM DISCOUNT the terms , conditions and must commence within Chapter 1 (own damage) leads, in an independent
paid for the vehicle If You do not claim exclusions of the policy. 48 hours of the Insured is extended to include manner away from any
during the current Vehicle becoming Oman, Bahrain, Saudi other reason (except
d. You were the first owner Optional Covers – disabled, following an
Period of Insurance, We Arabia, Kuwait and for medical or surgical
of the vehicle these covers will only accident covered under
will include a discount in Qatar. You will not be treatment needed) to
Your renewal Premium. apply if mentioned on Your Policy. The hire car covered under Chapter any of these injuries
K. OFF ROAD COVER
The discount amount your schedule. can only be provided 2, third party liability, stated in the table
If You have a will be in accordance to the Insured and/or here-in-under during
A. EXTENDED AGENCY as this Cover must be
comprehensive Policy, with the No-Claims spouse. In order to avail the following three
REPAIR purchased separately
Your Policy is extended Discount scale of a hire car, the Insured months from the date of
at the border (except
to cover loss or damage applicable at the time of Chapter 1 of the will need to provide an accident.
Oman).
to the Insured Vehicle renewal. Policy (own damage) imprint of a credit card
whilst being driven off is extended to and a valid UAE driving EXCEPTIONS PROVIDED ALWAYS THAT:
road. If a claim has been include accidental licence to the rent-a-car
made or arisen, Your No damage repairs of company. a. The maximum duration a. Compensation which the
PROVIDED THAT: Claims Discount may the Insured Vehicle of any single trip shall company is committed
be reduced at the next at the manufacturer’s The hire car must be not exceed 30 days. to pay will be restricted
a. Your car has four collected by the Insured according to one article
wheel drive capability renewal in accordance authorised dealers
and returned either to b. The maximum total only of these articles for
with the step back scale within the UAE. Provided
the hire car company or number of days shall article one to six here-in-
b. You are not participating applicable at the time of it is mentioned on Your
the repairer where the not exceed 90 days in above mentioned or
in a competitive event or renewal. Policy Schedule.
Insured vehicle is being any 12 months period as per article seven

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Motor Perfect

separately or by adding i. to harm oneself the geographic area

SCALE OF COMPENSATION LIMIT OF COMPENSATION to it either article five intentionally or by specified in this
SR. VEHICLE or six according to the committing suicide policy.
INJURY TYPE VEHICLE DRIVER conditions of any of or by attempting
NO PASSENGERS
those persons injured suicide or physical b. Accidents which
1 Death or permanent total disablement AED 200,000 AED 200,000 as a result of any single defect or mental happen directly
accident provided that weakness. or indirectly,
Total and incurable loss of all vision in total liability of the proximately or
2 AED 200,000 AED 200,000 ii. in respect of a remotely occasioned
both eyes company will not exceed
for compensation person demanding by, contributed to
3 Total loss by physical severance at or compensation by or traceable to
above the wrist or ankle of both hands amount AED 200,000
AED 200,000 AED 200,000 for the person injured himself being or arising out of or
or both feet or of one hand together with addicted to drugs or in connection with
one foot during any single period
of insurance. liquor. ionising radiation,
4 Total loss by physical severance at or contamination by
b. At the insured’s request, d. Such compensation shall radioactivity from
above the wrist or ankle of one hand
the company will pay be payable only with the any nuclear fuel or
or one foot together with the total and AED 200,000 AED 200,000
weekly compensation approval of the insured from any nuclear
incurable loss of one eye vision
for temporary total and directly to the waste from the This
disability preventing injured person or his/ insurance does not
5 Total and incurable loss of one eye vision AED 100,000 AED 100,000 the injured person her legal representative cover any liability
from engaging in his whose receipt shall be a due to an agreement
Total loss by physical severance at or occupation (as per full discharge in respect made by the insured
6 above the wrist or ankle of one hand or AED 100,000 AED 100,000 article (8) of the above of the injury to such where no liability
one foot table) for a period person. would arise but for
7 Total disablement from engaging in or The The not exceeding 26 Number of vehicle that agreement.
given any attention to such person’s compensation compensation consecutive weeks. The passengers at the time of the 2. Policy excludes liability
occupation, AED 1,500 per week for a will be calculated will be calculated weekly compensation accident should not exceed
amount and the arising out of usage of
period not exceeding 26 weeks. on the basis of the on the basis of the the authorised seating
percentage scale percentage scale aggregate amount shall vehicle against racing,
capacity of the vehicle. rallies and/or speed
for permanent for permanent be in accordance with
partial disability partial disability the agreement between EXCEPTIONS TO 3. GIG trials
approved by approved by the person demanding AUTOMATIC EXTENSIONS WAR AND TERRORISM
the medical the medical insurance and the AND OPTIONAL COVERS: EXCLUSION
board, multiplied board, multiplied company.
by the limit of by the limit of 1. This policy does not We will not pay for any
compensation compensation c. The company is not cover loss or damage accident, loss, damage or
(AED 200,000) (AED 200,000) liable to pay any or third party liability injury which is the direct or
compensation for death arising from accidents indirect result of any of the
8 Temporary total disability preventing the As may be agreed As may be agreed or physical injury which involving the insured
victim/claimant person from engaging in (on weekly basis (on weekly basis following, whether or not
occurs either directly vehicle in the following contributed to by any other
his occupation up to 26 Weeks) up to 26 weeks) or indirectly, totally or cases: cause:
partially as a result of
the following reasons: a. Accidents which ƒ War;
take place outside

36 37
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4 GIG Claims and

Frequently Asked Questions
ƒ Invasion; a person or group(s) of A. CLAIMS PROCEDURE personal items You should Vehicle resulting from an
persons, whether acting make sure that details are accident, because through
ƒ Activities of a foreign alone or on behalf of What to do in case of mentioned in the police Our network of service
enemy; or in connection with an accident? report in order to get full partners you can register the
ƒ Hostilities or warlike any organization(s) As per the regulations, in entitlement of all the claim and repair process will
operations (whether or government(s), case of an accident You must benefits described in this start immediately.
war has been declared committed for political, obtain a police report. The booklet.
religious ideological police report is required by Just follow these simple
or not); The workshop which will steps:
or similar purposes GIG to process Your claim
ƒ Civi l war; including the intention but even more importantly repair Your Vehicle will
1. Get the police report.
to influence any is required by the workshop only repair the damages You should ensure that
ƒ Revolution, rebellion government and/or to to carry out the repairs on mentioned on the police
all details are correct on
or insurrection (that put the public or any Your vehicle. In case various report. the police report.
is, people rising up section of the public in parties are involved in the
and changing the Accordingly We advise
fear. accident, the police, based You to ensure that these 2. Go with Your driving
government by force or on the accident scene will licence, registration
attempting to do so); Loss, damage or injury damages are properly
define the responsibility of mentioned on the Vehicle card of Your Car and
which is the direct or each party in the accident. the police report to
ƒ Civil commotion which indirect result of any sketch. In case You wish to
is of such severity or These responsibilities are repair several damages at one of Our approved
action taken in controlling, mentioned on the police workshops you’ll find
magnitude that it can preventing, suppressing or the same time, which were
be likened to a popular report along with a brief caused by several accidents information about Our
in any other way relating description and sketch of network of workshops
uprising; to any of the causes listed or incidents, You will need
the damages occurred to the to provide separate police through Our website
ƒ Military power (even above is also not covered. vehicle(s). (www.giggulf.ae)
reports for each accident/
if properly authorised If the company alleges that incident that generated the
by the duly elected Accordingly in case of 3. You will find the
by reason of this exclusion an accident You should damages on Your vehicle. GIG desk inside the
government); or any loss, damage, cost or Based on these police
immediately contact the workshop where one of
ƒ Usurped power (that expense is not covered, traffic police department reports, GIG will apply Our staff will take Your
is power taken by the burden of proving the and wait for the police to the adequate number of documentation and
force by any person contrary shall be upon the attend the scene of the excess. Please bear in mind register the claim.
or group (including insured. accident. that the excess mentioned
armed forces) not on Your Policy Schedule 4. The repair process
In the event any portion of However, please ensure that is applicable for each of Your Car will start
being the duly elected this exclusion is found to
government); You are not blocking the separate accident/incident immediately since one
be invalid or unenforceable traffic to avoid any penalty generating a damage for of our surveyors will be
ƒ For the purpose of the remainder shall remain imposed by the traffic police which there is no identified permanently available
this exclusion, an act in full force and effect. department. responsible third party by at the workshop to take
of terrorism means the police department. care of Your Car during
an act, whether In the unfortunate case of all the repair process.
involving violence or any bodily injury incurred How to report a claim?
the use of force or not to You or any of Your 5. If You have Hire Car
No need to come to Our
or the threat or the passengers, even a minor coverage, We will
offices anymore, or even call
preparation thereof, by one, or in case of damage to arrange to provide You
Our call centre to repair Your
the replacement car in

38 39
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Motor Perfect
the workshop itself so
that You will be able to
drop the Car there and
leave with the hire car.
Of course if You prefer to
contact GIG through Our call
centre to report Your claim,
We will be happy to assist
You 24 hours a day on Our
toll free number 800 292.
For Your convenience,
You can also file Your claim
through Our website
(www.giggulf.ae) where you
will need to logon in Our
system with information on
Your Policy, complete the
information requested on
the circumstances of Your
claim and attach the police
report.
The system will provide
Your claim number at the
end of the process and
Our claims department
professionals will be put to
work immediately to give
the required service.
During the process of
managing Your claim,
You will have complete
information about it again
by accessing Our website
(www.giggulf.ae) or by
calling Our call centre by
phone 800 292 (select query
claims) during business
hours Sunday to Thursday
from 8:00 a.m. to 10:00 p.m.
and Saturdays from
8 a.m. to 5 p.m.
Additionally, We will provide
You with regular updates
via SMS and Email on Your
claims status.
What happens in case
of a Total Loss?
In case the repair costs
of Your Vehicle exceeds
50% of the depreciated
value of Your Vehicle (as
per depreciation Schedule
described in this booklet),
Your Vehicle will be declared
a Total Loss.
You will be responsible for
transferring the ownership
of the Vehicle to GIG and
to provide GIG with the
official ownership transfer
letter issued by the traffic
department. Upon receipt of
this letter GIG will reimburse
You the depreciated value
of Your Vehicle minus
applicable Excess.
GIG takes all necessary
measures to issue its
settlement within five
working days upon receipt
of the official transfer
letter issued by the traffic
department.
What happens in case
of a court judgment?
On some occasions the
police might decide to refer
the accident case to the
court. This mainly happens
in case of a death or bodily
injury or in case one of the
40
drivers has infringed the UAE
legislations.
In such cases, the matter will
be referred to the court. You
will be the sole accredited
party to attend the court.
GIG will take all the required
actions to have Your Vehicle
repaired within the shortest
period of time; however,
GIG will not be able to have
Your Vehicle released from
the repairer unless the final
court judgment is issued.
In case the accident is
referred to the court,
You need to contact GIG
immediately. GIG will
reserve the right to appoint
a legal representative in
order for GIG to manage
Your case through its
lawyers.
What happens in case
You want to give a
comment on the way
We have managed
Your claim?
We have designed a specific
quality control procedure
to assess Our services at the
time of the management of
Your claim.
In case You wish to raise
a comment after We have
managed a claim, please
visit Our website www.
giggulf.ae
You can register Your
comment within the section
‘Contact us’; it will be
immediately escalated to
the relevant manager in
order to assess Our quality
of service.
We are committed to
acknowledge receipt of
Your comments within
one working day, to revert
back to You with a fair
assessment of the situation
within two working days
and to propose a solution
if technically required and
justified within three weeks
from Your posting on Our
website.
B. FREQUENTLY ASKED
QUESTIONS
1. Why can’t the
insurance and
registration be in two
different names?
The Policy holder should
normally be both the main
driver of the Vehicle and the
registered owner. The Policy
holder must have a financial
interest in the Vehicle.
The traffic department
will only register a vehicle
in the name stated on
the certificate of motor
insurance.
2. How do You
calculate my
insurance premium?
A number of factors are used
to calculate Your insurance
Premium. Amongst these
factors are the age of the
driver, length of driving
experience, claims history,
location, value of the Vehicle
and type.
3. Why can’t the
insurance be
transferred when the
vehicle is sold?
As the insurance Premium
is affected by the profile of
the driver, it is not possible
to simply transfer insurance
cover from one driver to
another. The existing Policy
must be cancelled. The new
owner will then be given a
new insurance Policy that
is required for registration
purposes.
5. Which garages will
You use to repair my
Car?
If You have selected
Agency Repairs then Your
Vehicle will be repaired at
the Vehicle’s authorised
dealership. Otherwise
GIG will select one of its
own authorised repairers.
We only use garages
that adhere to Our strict
quality controls. Garages
must have experienced,
qualified personnel and
access to sophisticated
repair equipment. For this
reason We are able to offer
a 6-month guarantee on
mechanical repair and
41
12-month guarantee on
body repairs and paint jobs.
6. How does GIG’s
motor insurance differ
from other insurance
companies in the
market?
GIG provides one of the
highest levels of motor
protection in the Middle
East, combined with
the security and service
standards of a large
international operation,
24-hour accident recovery,
guaranteed repairs and
extended opening hours.
If You are being offered
insurance cover from
another source at a lower
Premium, please make sure
You do a cover to cover
comparison and not just a
Premium one.
7. Can I choose which
garage I want to take
my Vehicle to?
If You have opted for Agency
Repairs then Your Vehicle
will be repaired at the main
authorised dealership.
Otherwise GIG will select
one of its authorised
repairers. The garage We
choose will depend on
the Vehicle type, nature of
damage and availability.
Policy Handbook
Motor Perfect
5 Complaints Procedure
At GIG Gulf, we are
committed to providing you
with the highest level of
customer service. We also
realise that from time to
time, things can go wrong.
Therefore, when you are
not completely satisfied,
we recommend that you
contact our dedicated
complaints department.
Usually, one of our agents
will be able to resolve
your issues or queries
immediately, however, if
you feel the matter requires
an escalation, you can
file a formal complaint
and your complaint will
always be treated fairly and
confidentially.
You can file your
complaint in any of the
following ways:
1. Visit our website
www.giggulf.ae/en/
contact-us/complaints
and register your
complaint.
When you submit a
complaint, we will
contact you within
(1) one working day
to acknowledge your
complaint and provide
you with a complaint
reference number which
should be used in all
future communications.
We will also explain
the next steps in the
process and provide you Insurance Regulator. You can
with details on how to do so by sending the details
contact us to discuss of your complaint, stating
your complaint. the GIG Gulf Complaint
Reference Number, to The
Alternatively, should Central Bank Of The UAE
you not have an email using their online complaint
address or access to the form or the details below:
internet, you can choose
one of the following Email:
means to contact us: consumerhappiness@
cbuae.gov.ae
2. Send a letter to the
management at Gulf Telephone:
Insurance Group (Gulf) 800(CBUAE)22823
B.S.C.(c) , P.O. Box 5862,
Dubai, United Arab For full details of our
complaint handling
Emirates.
procedure, please visit
3. Call us on 800292 and www.giggulf.ae/en/
request our customer contact-us/complaints
service team to register
your complaint.
4. Walk into our branches
and request our
customer service
team to register your
complaint.
We will endeavour to
complete our investigation
and share with you the
outcome of your complaint
within (7) seven working
days. If this is not possible,
we will let you know
and keep you updated
throughout the process.
If you are subsequently
dissatisfied with our final
response or any delay in
our response (beyond 15
working days), you may
refer your complaint to the
42 43
 800 292
giggulf.ae

Gulf Insurance Group (Gulf) B.S.C. (c)

Floor 39, Churchill Executive Tower, Business Bay
P.O. Box 5862, Dubai - United Arab Emirates
UAEPL27052022

Telephone: +971 4 4476111

Email: info@gig-gulf.com, Website: www.giggulf.ae
Registered in the Insurance Companies Register - Certificate no. (69) dated 22/01/2002.
Subject to the provisions of Federal Law no. (6) of 2007 concerning the establishment of Insurance
Authority and Organisation of its work.