• What is Motor Insurance Policy?

  A motor insurance policy is a mandatory policy issued by an insurance company as part of prevention of public liability to protect the general public from any accident that might take place on the road. The law mandates that every owner of a motor vehicle must have a motor insurance policy.

• Why do I need a Motor Insurance? Is it mandatory to have Motor Insurance in the UAE?

  If you own a vehicle in the United Arab Emirates, you are legally required to insure your vehicle to successfully register or renew your vehicle.

• What does Motor Insurance cover?

  For complete list of benefits kindly refer to your insurance policy booklet and T&Cs.

• Does Emirates NBD provide Motor Insurance for high value cars and sport cars?

  Insurance for high-value cars or sports cars can be arranged on a referral basis only.

• What is off-road coverage?

  The coverage under the Policy is extended to include loss or damage to Your Insured Vehicle and/or Third Party Liability while being driven off road.

Show More

• What is Motor Insurance Policy?

  A motor insurance policy is a mandatory policy issued by an insurance company as part of prevention of public liability to protect the general public from any accident that might take place on the road. The law mandates that every owner of a motor vehicle must have a motor insurance policy.

• Why do I need a Motor Insurance? Is it mandatory to have Motor Insurance in the UAE?

  If you own a vehicle in the United Arab Emirates, you are legally required to insure your vehicle to successfully register or renew your vehicle.

• What does Motor Insurance cover?

  For complete list of benefits kindly refer to your insurance policy booklet and T&Cs.

• Does Emirates NBD provide Motor Insurance for high value cars and sport cars?

  Insurance for high-value cars or sports cars can be arranged on a referral basis only.

• What is off-road coverage?

  The coverage under the Policy is extended to include loss or damage to Your Insured Vehicle and/or Third Party Liability while being driven off road.

• What is the difference between a full cover insurance and third-party insurance?

  Full car insurance policy covers you against: Loss, damage and third-party liability. You are also protected against:

  Damage to your motor vehicle due to accidental collision, overturning, fire, external explosion, self-ignition, theft, or a malicious act unless specifically excluded.

  Accrued legal liability and agreed costs and expenses against third party bodily injury/ property damage arising out of use of motor vehicles unless specifically excluded.

  Third-party liability covers you against: Death or bodily injury to any third party/person. Damages to third party property arising out of the use of your motor vehicle. More importantly, this policy does not cover any damage or loss to your own vehicle.

• Do you provide GCC and Sultanate of Oman coverage?

  Yes the cover is provided at an additional cost.

• 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.

• What is the compulsory excess indicated on my policy?

  The excess or deductible is the customer contribution made at the time of non-recoverable claim(s) due to an accident. Non-recoverable motor claims usually occur when an accident is caused by the insurance policy holder. Our standard excess is as per UAE law.

• Why do I need 13 months of insurance and not an annual insurance of 12 months?

  A 13 month insurance period is required to cover the one-month registration grace period.

• Who are your Motor Insurance partners?

  RSA, Oman Insurance, NGI, AXA are a few of them.

• How do I apply for a motor insurance from Emirates NBD?

  Please call on the direct line of our sales agents (04-3160171, 04-3160094, 04-3160097 and 04-3160944)

• Is there a number I may call to know more about Motor Insurance offered by Emirates NBD?

  Please call on the direct line of our sales agents (04-3160171, 04-3160094, 04-3160097 and 04-3160944)

• What are the documents required to get Motor Insurance with Emirates NBD?

  New Motor insurance – Purchase Invoice from Agency, Emirates ID, Driving License Copy. Renewal Motor Insurance - Emirates ID, Driving License Copy, Mulkya Copy.

• Why can't the insurance and registration be in two different names?

  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.

• In case of selling my car, is it possible to transfer the insurance to the buyer's name?

  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.

• What is the "No Claim Discount" (NCD)?

  "No Claims Discount" (NCD) is the discount given on your premium based on the experience (i.e. number of years without claims) of the driver.

• What is the excess (deductible) if I claim?

  The excess or deductible is the customer contribution made at the time of non-recoverable claim(s) due to an accident. Non-recoverable motor claims usually occur when an accident is caused by the insurance policy holder. Our standard excess is as per UAE law.

• I have just had an accident. What do I need to do to apply for a claim?

  Kindly refer to your insurance policy booklet and T&Cs for detail claim process.

• Which garage will my vehicle be repaired at?

  If you have selected Agency Repairs then Your Vehicle will be repaired at the authorized dealership. Otherwise insurance company will select one of its own authorized repairers.

• 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 authorized dealership. Otherwise insurance company will select one of its authorized repairers depending on the Vehicle type, nature of damage and availability.

• Can I cancel my policy at any time?

  Policy cancellations can be made subject to the following:

  • Deregistration of the vehicle
  • Transfer of ownership of the vehicle
  • No plate certificate

   

• What is the procedure to cancel my policy?

  To cancel the policy please call the direct line of our sales agents (04-3160171, 04-3160094, 04-3160097, 04-3160944).

• In case the policy is cancelled, do you return the premium for the unexpired period?

  Premium for the unexpired period is returned as long as no claims were made during the insurance period. The refund is calculated on pro rata basis.