FAQs

• • A comprehensive insurance policy will cover you against your own loss or damage as well as third party property damage. Loss or damage could result from an accidental collision, fire, burglary, external explosion, self-ignition, lightning, theft and any malicious act by a third party.
  • Third party liability policy is the basic coverage that is mandatory as per the UAE law and it covers death or bodily injury to any third party/person as well as property damage caused by the insured’s vehicle. The policy does not cover damage/loss to the insured vehicle.

The premium for car insurance is calculated as a percentage of the value of your car. If your car has had any accidents, it would be factored in to the premium. If your car has had no accidents, we offer a no – claims discount with the renewal of your policy.

Also known as ‘Deductible’, it is the amount that you pay to the insurance company in case of a non-recoverable claim.

The premium for super-fast and exotic cars is a little higher and the policy excess (deductible) is higher too based on the fact that these cars are very expensive to repair and generally have a higher risk of accidents than normal cars.

QIC offers an off-road cover that will cover your vehicle when driven on non-paved roads such as small village roads or access roads to the beach, construction sites etc. Dune-bashing is considered to be ‘reckless driving’ and is therefore not covered by any policy.

If the estimated cost of repairing your damaged car is greater than 50% of the car’s insured value, it would be considered as a total loss.

QIC does not provide Comprehensive insurance policies for cars which are older than 7 years.

You can cancel the policy in the event of either selling the vehicle or exporting the vehicle.  Documents we require are either no plate certificate from the RTA, export certificate or the new registration card from the buyer. Once we have these documents, and subject to there being no claim reported against the policy, the cancellation request will be processed.

As per the UAE guidelines, the insurer of your vehicle is required to notify the loss to TP’s insurance carrier if the estimate repair cost exceeds a pre-set amount (AED 5,000). It will take three working days for the TP’s insurer to inspect the vehicle and agree on the repair cost with the repairer.

It is not possible to transfer the cover as the insurance premium and terms are affected by the experience of the driver.

The premium for motorcycle insurance is calculated as a percentage of the value of your moterocycle. If you have had any accidents, it would be factored in to the premium. If you have not had any accidents, we offer a no-claims bonus with the renewal of your policy

Also known as ‘Deductible’, the Policy Excess is the fixed amount of money that you have to pay for each and every claim you may have – the Policy Excess is there to offer you a lower overall premium for your motorcycle insurance

The premium for super-fast and exotic motorcycles is a little higher and the policy excess (deductible) is higher too based on the fact that these motorcycles are very expensive to repair and generally have a higher risk of accidents than normal motorcycles

If the estimated cost of repairing your damaged motorcycle is greater than 70% of the motorcycle’s insured value, it would be considered as a total loss

QIC rewards its customers for safe riding by providing a 10% discount on renewals

If you wish to cover your motorcycle’s fixtures (like music system) etc., you can have this covered by your basic insurance by making an endorsement which would then be added to the value of your motorcycle

QIC does not provide Comprehensive insurance policies for motorcycles which are older than five years

Repairs of your motorcycle will always be done at your motorcycle brand’s agency during the first year of its registration. Thereafter, QIC may use a workshop of comparable quality

To ensure that your motorcycle is always repaired at a workshop of the agency, you can purchase our “Agency Repair” optional cover and add it to your comprehensive insurance

The period of cover for a travel insurance ranges from one week to three months. The annual multiple cover is valid through one year (inclusive of maximum of 90 days stay per trip)

Pre-existing medical treatments are excluded from the scope of Travelcare Plus policy

Travelcare Plus covers for individuals up to the age of 70 years. A premium loading of 100% is applicable for applicants aging between 70 and 75 years. A medical certificate stating the fitness of the applicant needs to be submitted at the time of purchase of the policy

Children under the age of 18 are charged only 50% of the standard premium

To purchase a Travelcare Plus policy, the customer must either be a permanent or a temporary resident of UAE and must have a residence or a regular place of business in the UAE.

The first portion of each and every loss is USD 50 and will be borne by the insured. The Policy Excess fee is applicable only under sections A, C, D, E, F and L of the provided table (see below)
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Involvement in any adventurous sport is typically not covered. However, the policy may be extended for an additional premium to include Winter Sports Extension (limited to recreational On-Piste skiing and snowboarding)

QIC’s Travel insurance provides cover for return trip arrangements only

Travelcare Plus offers medical cover ranging from USD 50,000 to USD 1,000,000, which makes it fully acceptable to the requirements of an Embassy.

Your policy will be valid for a year and will start from the date of payment.

You will need to submit a completed Insurance Proposal & Schedule Form and submit them along with a copy of your Emirates ID.

Invoices, receipts and pictures serve as Proof of value. Proof of value will be required when making a claim for an item valued in excess of the Single Article Limit. We recommend that you retain copies of receipts, valuations, photographs, instructions booklets and guarantee cards to assist in the event of a claim.

It is the amount shown in the Schedule representing the maximum amount payable for any number of claims arising out of one occurrence.

Household goods and personal effects (including Personal Money up to AED 2,500) belonging to you (or for which you are legally responsible) or to resident Domestic Helpers whilst within your Home, including fixtures and fittings belonging to you (or for which you are responsible) not being landlord’s fixtures and fittings and interior decorations.

Your Home built of brick stone or concrete and roofed with incombustible material and including any domestic garages and outbuildings, swimming pools, terraces, patios drives and footpaths walls, fences and gates and landlord’s permanent fixtures and fittings.

Luggage, clothing, jewellery, watches, furs, binoculars, sports, musical and photographic equipment and items which you normally wear, or carry with you. All items must belong to you or be your legal responsibility.

A fixed sum (AED 1,000 for Buildings and AED 250 for Contents and Personal Belongings), which is the first portion of each and every claim/loss/damage, is the Policy Excess and must be borne by the insured.

Damage caused suddenly and unexpectedly by an outside force. This does not include damage caused by a deliberate act of any member of your household.

Single Article Limit refers to an amount of AED 5,000 unless another amount is shown in the Policy Schedule. This is the maximum we will pay for any one article, pair or set of valuables unless it is specifically insured for a higher amount and shown in the Policy Schedule.