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TERMS AND CONDITIONS 1

THANK YOU TABLE OF CONTENTS

You are now covered by the How to Make a Claim

Branches
02
04
UAE’s most trusted insurer. VAT 06

Please take time to read this

Clauses 07
Complaints 08

booklet and other accompanying International Motoring Club: Your Roadside Assistance App
Definitions
09
10
documents. Make sure you Section 1: Third Party Liability 13

have gone through the coverage

Section 2: Loss and Damage 25
Section 3: Additional Benefits 36

details and exclusions of your 3.1 Courtesy Benefits

i. Courtesy Car (Cash Benefit)
36
36
policy. ii. Rent-A-Car Benefit
3.2 Off-Road (SUV with off-road capability only)
36
38
3.3 Personal Accident 38

You can always enhance your

3.4 Emergency Medical Expenses 40
3.5 Personal Injury 40
level of coverage by reaching 3.6 Geographical Expansion (Oman & Qatar)
3.7 Natural Disaster
41
41
out to us on 800 SUKOON 3.8 Personal Belongings 41

(785666).
3.9 Windscreen Damage (No Excess) 42
3.10 Replacement of Locks 42
3.11 Valet Parking Theft 42
3.12 Dealer Repairs 42
We wish you many happy and 3.13 Auto Gap Insurance 43

safe journeys. And remember

3.14 Roadside Assistance 44
3.15 Track Day 47

that no matter what happens... 3.16 Special Paints/Stickers/Graphics

3.17 Accessories & Enhancement Cover etc.
49
49
3.18 Tool of Trade Extension 49

we are here for you.

3.19 Loading and Unloading 49

2 TERMS AND CONDITIONS TERMS AND CONDITIONS 1

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2 TERMS AND CONDITIONS

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TERMS AND CONDITIONS 3
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4 TERMS AND CONDITIONS TERMS AND CONDITIONS 5

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TERMS AND CONDITIONS 7
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8 TERMS AND CONDITIONS
ROADSIDE ASSISTANCE APP
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TERMS AND CONDITIONS 9
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SECTION 1
THIRD PARTY LIABILITY
3GDØ4MHÚDCØ,NSNQØ5DGHBKDØ(MRTQ@MBD
Policy Against Third Party Liability
issued pursuant to the Regulation of
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Chapter One: General Conditions
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TERMS AND CONDITIONS 13
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14 TERMS AND CONDITIONS
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TERMS AND CONDITIONS 15
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TERMS AND CONDITIONS 17
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18 TERMS AND CONDITIONS
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paid.
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period of loss of benefit
allowance shall be calculated in
days from the date of delivery of the
damaged Motor Vehicle, the
accident report and deed of title to
Sukoon.
Third: The liability of Sukoon for loss
of benefit allowance shall be
calculated per day per damaged
Motor Vehicle according to the
rental fare of a similar Motor Vehicle
rental of the same make,
considering the prevailingand
common price in the vehicle rental
market in that Emirate, not to
exceed three hundred dirhams per
day. The Maximum period for loss
of benefit allowance fifteen days.
Fourth: If Sukoon chooses not to
pay the amount at prevailing price,
Sukoon shall provide – to the
injured party residency location - a
similar substitute Motor Vehicle of
the same made of the damaged
motor vehicle in very good working
condition for road traffic.
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TERMS AND CONDITIONS 19
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20 TERMS AND CONDITIONS
Chapter Four: Exclusions
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TERMS AND CONDITIONS 21
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22 TERMS AND CONDITIONS TERMS AND CONDITIONS 23

 SECTION 2
LOSS AND DAMAGE
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24 TERMS AND CONDITIONS
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TERMS AND CONDITIONS 25
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26 TERMS AND CONDITIONS
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WKH,QVXUHGWKHSDLGSUHPLXPDIWHU
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WKHSHULRGGXULQJZKLFKWKH3ROLF\KDV
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Vehicles, Public Transport Vehicles and
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TERMS AND CONDITIONS 33
 Schedule No. (3) Schedule No. (4)
Deductibles Short Rate Schedule – Percentages of Recoverable Premium
Motor Vehicle Deductible Policy Validity Period Recoverable Premium
3ULYDWHYHKLFOHVZKHUHWKHSHUPLVVLEOHQXPEHU $SHULRGQRWH[FHHGLQJRQHPRQWK 
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34 TERMS AND CONDITIONS TERMS AND CONDITIONS 35

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36 TERMS AND CONDITIONS
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TERMS AND CONDITIONS 37
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(SUV with off-road capability only)
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c. competitive events and/or racing
38 TERMS AND CONDITIONS
3.3 Personal Accident S.No Description Scale of Compensation
7KHIROORZLQJFRYHUZLOORQO\DSSO\LIOLVWHG
RQ\RXU6FKHGXOH 1. 'HDWKRUSHUPDQHQWWRWDOGLVDEOHPHQW AED 200,000
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percentage for permanent
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AED 200,000
TERMS AND CONDITIONS 39

a. Compensation shall be payable
under one item only of items (1) to
(6) for item (7) separately in
addition to items (5) or (6) above in
respect of each person arising out
of one occurrence and the total
liability of Sukoon shall not in the
aggregate exceed the sum of AED
200,000/- during any one period of
insurance.
b. No weekly compensation shall
become payable until the total
amount shall have been ascertained
and agreed.
c. No Compensation shall be payable
in respect of death or injury
indirectly or directly wholly or
partially arising out of or resulting
from or traceable to:
1. Intentional self-injury or attempted
suicide, physical and/or mental
2. An accident happening whilst such
intoxicating liquor or drugs.
c. 8 We will pay you for the value of loss or
d. Compensation shall be payable only
with the approval of the Insured and
directly to the injured person or to his
legal personal representatives whose
receipt shall be a full discharge in
respect of the injury to such person.
e. Number of Vehicle passengers at the
time of accident should not exceed the
maximum number of persons including
the driver, as stipulated by the Vehicle
model.
40 TERMS AND CONDITIONS
f. Temporary total disablement which
prevents the injured person from
is not covered.
3.4 Emergency Medical Expenses
The following cover will only apply if listed
on your Schedule.
Sukoon will pay to the Insured the medically
necessary and reasonable cost of medical
expenses incurred in connection with any
accidental Bodily Injury to the Insured and
the Driver of the Motor Vehicle that has
caused the Accident and the passengers
employed by the Insured if they are injured
during and because of work while they are
inside, getting in or out of the covered
Motor Vehicle ,as the direct and immediate
result of an Accident to the covered Motor
Vehicle provided that:
The liability of Sukoon shall not exceed AED
5,000 in respect of any claim or total claims
arising from one Accident, unless otherwise
3.5 Personal Injury
The following cover will only apply if listed
on your Schedule.
Schedule, We will pay AED 30,000 to the
Insured and/or spouse (or in the event of
their death, to their legal personal
representatives) if the Insured and/or
spouse while getting into or getting out of
the Insured Vehicle shall accidentally sustain
Bodily Injury which independently of any
other cause within three calendar months of
the accident results in:
a. Death;
b. Total irrecoverable loss of sight in
one or both eyes;
c. Total loss by physical severance of
one or more limbs at or before the
wrist or ankles or permanent loss of
one or both hands or legs.
private Vehicles insured in the name of an
individual and does not cover:
a. Death or injury arising from suicide
or attempted suicide;
b. Anyone who is over 70 years of age
at the time of the accident;
c. If anyone claiming is convicted in
connection with the accident of a
drink-driving offence or of driving
3.6 Geographical Expansion
(Oman & Qatar)
The following cover will only apply if listed
on your Schedule.
Subject otherwise to the same terms,
conditions, exclusions and limitations of
the said Policy, the geographical area for
Section 2 (Loss or Damage) is extended
to include the Sultanate of Oman and
Qatar. Coverage under Section 1 (Third
Party Liability) is extended to include the
Sultanate of Oman and Qatar only if an
Orange Card has been issued by Sukoon
prior You entering the countries. Orange
Card is available upon request only.
3.7 Natural Disaster, Storm, Flood, Strike,
Riot & Civil Commotion,
The following cover will only apply if listed on your
Schedule.
The cover under Section 2 (Loss or Damage) is
extended to cover the Insured in respect of loss
of or damage to the Insured Motor Vehicle
caused by:
a. Strike, Riot or Civil Commotion which
does not assume the proportion of, or
amounts to popular uprising.
b. Flood (provided the Insured Motor Vehicle
is not driven), storm, typhoon, cyclone,
hurricane, earthquake or other convulsions
of nature.
Specific Limitation
This coverage and benefit shall only become
payable where the damage or loss is not due
to or related to or arising out of Motor Vehicle
Driver’s own behaviour or actions or omissions
or negligence or misconduct. [eg. driving through
a body of water, attempting to start a vehicle
already submerged in water or parking the vehicle
in earlier flood-impacted locations, etc.
3.8 Personal Belongings
The following cover will only apply if listed
on your Schedule.
damage caused to personal belongings by
are in your insured Vehicle. The maximum
exceed AED 5,000 in respect of any one
claim or series of claims resulting from one
accident.
TERMS AND CONDITIONS 41

Sukoon shall not be liable in respect of:
a. Theft of any property carried in an
open or convertible Vehicle unless
in a locked boot or locked glove
compartment.
b. Any such property insured under
any other insurance Policy.
c. Loss of damage to money stamps
tickets documents or securities.
d. Goods or samples carried in
connection with any trade.
3.9 Windscreen Damage (No Excess)
The following cover will only apply if listed
on your Schedule.
In the event of breakage of the window or
windscreen of the Insured Vehicle where
this is the only damage to the Insured
Vehicle other than scratching of bodywork
resulting from the breakage, Sukoon will
indemnify the Insured for the cost of
replacement of such window or windscreen
and any payment in respect thereof shall
not be subject to any Excess.
Provided that the liability of Sukoon shall
not exceed AED 3,000 (unless otherwise
stated in the Policy Schedule) in respect
of any one accident, no Excess payable,
3.10 Replacement of Locks
The following cover will only apply if listed
on your Schedule.
42 TERMS AND CONDITIONS
If the Insured Vehicle’s keys or lock
transmitter are lost or stolen, Sukoon shall
pay up to AED 1,000 (unless otherwise
stated in the Policy Schedule) for
replacement of:
a. The door locks and boot lock;
b. The ignition and steering lock; and
c. The lock transmitter and central
locking system.
Sukoon shall not pay the cost of replacing
any alarms or other security devices used in
connection with the Insured Vehicle
3.11 Valet Parking Theft
The following cover will only apply if listed
on your Schedule.
Sukoon shall indemnify the Insured for
theft to the Insured Vehicle while in the
custody or control of Hotels or Shopping
Malls which the Insured does not own
and where the Insured Vehicle has been
parked by their authorized driver.
Hotel/Shopping Mall.
b. The Vehicle is handed over only
to the authorized person after due
c. The authorized person is a
Licensed Driver.
other Insurance Policy.
Policy year.
3.12 Dealer Repairs
If Dealer Repair is shown on your Policy
Schedule, the cover is extended to include
accidental damage repairs of your Insured
Vehicle at the manufacturer’s authorized
dealers within the UAE.
This cover is automatically included for
of registration or if the age of the Insured
Vehicle is less than or up to 12 months old.
If You do not have this cover shown on
your Policy Schedule or if you do not meet
We shall select one of Our own approved
garages to undertake the repairs.
Specific Conditions
For the dealer repair cover to be applicable,
the following conditions must be met:
In the case of an at fault claim, the
a. driver must be either -
i. The Insured / policyholder as
depicted on Policy Schedule
ii. An individual over the age of 30
years, holding a valid UAE driving
license for over 1 year (or another
country license for over 2 years) of
the same vehicle type as the
Insured Vehicle
b. The vehicle should be registered with
the authorized dealer in the UAE,
especially if the vehicle is Non-GCC
the UAE. Sukoon will not be liable
for any costs for registering car with
the authorized dealer in the UAE. In
case the authorized dealer in the UAE
declines repair of the insured vehicle
due to non-registration of the vehicle
in their database, the vehicle will be
repaired at one of Our own approved
garages.
If the above conditions are not met, then
dealer repair cover will not be applicable.
Specific Exclusions
This cover will not be applicable:
a. In the event of an at fault claim caused
by an individual (other than the
Policyholder) who is under 30 years of
age at the time of accident
b. In the event of an at fault claim
caused by an individual (other than
the Policyholder) who is above 30
years of age and does not hold a valid
UAE driving license for over 1 year
(or another country license for over 2
years) of the same vehicle type as the
Insured Vehicle at the time of accident
In the instances listed above, the vehicle
will be repaired at one of Our own approved
garages.
3.13 Auto Gap
The following cover will only apply if listed
on your Schedule.
TERMS AND CONDITIONS 43
If the Insured Vehicle is under 1st hand make and model of the car due to the
ownership, purchased from an authorized a. Vehicle Accident Towing new age car restrictions where only the
dealer and less than 6 months old, based Services: If there is an accident, dealer might be able to open.
on year of manufacture (unless otherwise Service Provider will tow the vehicle
to the dealer’s workshop or to the f. Fuel Delivery Service: Service
declared a total loss, Sukoon shall pay for nearest garage in Sukoon’s panel as Provider will deliver fuel direct to
either a brand new replacement model or per customer’s eligible package. customer should they run out of fuel.
for the original purchase value, whichever is A valid police report is mandatory to The customer to pay only the cost of
lower. avail this service in case of an accident. the fuel.

Specific Limitations b. Mechanical Breakdown Towing
This shall apply for brand new Vehicles only Service: In case of a mechanical
subject to one claim per Policy year. problem, Service Provider will tow
the vehicle to the dealer’s workshop
3.14 Roadside Assistance or to the nearest garage in Sukoon’s
The following cover will only apply if listed panel as per customer’s eligible
on your Schedule. package.
g. Removal & Extraction: In the event
of a breakdown or accident of the
Insured Vehicle, the Service Provider
will arrange to remove or extract the
Insured Vehicle necessitating the use
of a crane. The maximum amount
payable is: (as per plans, schedule

c. Battery Boost Service: If the

vehicle’s battery is dead for whatever of repair costs to the Insured Vehicle.
reason, Service Provider will jump-start
Services Offered TPL/Basic Silver Gold Platinum the vehicle to enable the customer h. Vehicle Renewal Registration
Within Within to carry on with their journey (no new Service: The scope of this service
Accident towing service Inter Emirate Inter Emirate
same city same city battery and /or replacement of battery includes the pickup and drop of
Within Within Within Within provided), or Service Provider will tow Insured Vehicle from the customers
Breakdown towing service the vehicle to the dealer’s workshop or
same city same city same city same city place for statutory checkups for
to the nearest garage in Sukoon’s panel vehicle registration and vehicle
Battery boosting service Yes Yes Yes Yes as per customer’s eligible package. registration formalities with the
Flat tire service Yes Yes Yes Yes d. Flat Tire Service: Service Provider The customer is charged only for the
Locked out Yes Yes Yes Yes government payments for vehicle
Fuel delivery service Yes Yes Yes Yes tire. If no spare tire is available with checkup and registration charges.
customer, then Service Provider will
Removal & extraction In order to avail the vehicle registration
No 400 500 800 tow the vehicle to nearest workshop or
(AED, Up to) renewal service, the customer must
to the nearest garageor to the nearest
Car renewal registration service No No Once a year Once a year book 48 hours before and provide
tire repair shop.No new tire and/or
Off road recovery service No No documents and information required
Yes Yes replacement will be provided.
Pickup & drop for regular is responsible for the settlement of all
No No No Once a year e Lock Out Services: If the keys
vehicle servicing
are locked inside the vehicle, Service
Usage limit Thrice a year Thrice a year Unlimited Unlimited charges. Service Provider will collect the
Provider will make attempts to gain
Geographical coverage vehicle key and documents from the
UAE UAE UAE & Oman UAE & GCC access to key to enable the customer
(UAE issued policies) customer from a single location as
to carry on with their journey. The
mutually agreed. The vehicle will be
service completion depends on the
collected only from the city in which they

44 TERMS AND CONDITIONS TERMS AND CONDITIONS 45

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j. Pickup & drop for regular Vehicle
Servicing:(OLJLEOHFXVWRPHUVWREH
SURYLGHGIUHH3LFNXS 'URSIRU
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OLPLWHGWRRQHWLPHLQD\HDUZLWK
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46 TERMS AND CONDITIONS
k. Geographical Coverage: ([WHQGHG
URDGVLGHDVVLVWDQFHZRXOGEH
SURYLGHGWRFXVWRPHUVLQ8$(DQG
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n. Intercity/Intracity: 7KLUG3DUW\DQG6LOYHU
3DFNDJHDOOWRZLQJpVZLOOEHUHVWULFWHGWR
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same emirate.
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1. $EX'KDELWRZQDQGSHUWDLQLQJDUHD
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Exclusions
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TERMS AND CONDITIONS 47
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48 TERMS AND CONDITIONS
Other Exclusions
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minor cosmetic damage.
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The Following cover will only apply if
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Trade.
3.19 Loading and Unloading
7KH)ROORZLQJFRYHUZLOORQO\DSSO\LI
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TERMS AND CONDITIONS 49
 SUKOON.COM
800 SUKOON (785666)
WE OFFER A WIDE RANGE OF INSURANCE
PRODUCTS FOR TOTAL PEACE OF MIND

Sukoon Insurance PJSC

Paid up Capital AED 461,872,125, C.L. No. 203970
Regulated by the Central Bank of the UAE
No. 9 dated 24/12/1984, TRN 100258594900003
04/2024

+HDG2IߔFH32%R['XEDL8$(
7HO68.221&20

49 TERMS AND CONDITIONS