MOTOR INSURANCE POLICY BOOKLET - Everything you need to know - RSA UAE

 
MOTOR INSURANCE POLICY BOOKLET - Everything you need to know - RSA UAE
MOTOR INSURANCE POLICY BOOKLET
Everything you need to know

                                 1
MOTOR INSURANCE POLICY BOOKLET - Everything you need to know - RSA UAE
Thank you for choosing RSA Insurance. We wish you and your family a safe and pleasurable driving experience.

    For over 50 years, We have been helping our customers enjoy their motoring experience in the Middle East.
    Through this Policy booklet, We hope to share with you - our knowledge, expertise and learnings from insuring
    over a million happy customers.

    This Policy booklet offers you comprehensive information and highlights important aspects such as:

       a) What is covered and not covered under your motor Insurance Policy

       b) Claims procedure

       c) RSA Helpline information

    Please take a moment to read this Policy booklet and keep it in a safe place. If you have any questions or if there
    is anything we could help with, please get in touch with us or your Insurance Partner.

    We welcome you to the RSA family and wish you a safe and hassle-free year of motoring.

    RSA UAE TEAM

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MOTOR INSURANCE POLICY BOOKLET - Everything you need to know - RSA UAE
YOUR CONTENTS GUIDE                                                                                                                                                              YOUR CONTENTS GUIDE

                                                                                                                                                                                   I. Insuring You For Additional Incidents .                                   III. Personal Accident & Emergency                                                           Motor Garage And/Or Valet Parking ........ 87
                                                                                                                              Step 3                                                 Perils Of Nature, Riot, Strike &                                             Personal Accident                                                                          No Claims Discount ...............................................88
                                                                                                                                                                                     Civil Commotion ............................................ 62              Driver............................................................................... 78
                                                                                                                                                                                                                                                                                                                                                             No Claims Discount Protection ....................89
                                                                                                                              Here, you                                              Windscreen .......................................................62         Personal Accident
                                                                                                                              main Policy covers:                                                                                                                 Passengers .................................................................. 78
                                                     Step 2                                                                                                                          Loss of Personal Items ............................63
                                                                                                                              Section 1: Loss or Damage to                                                                                                        Personal Injury Cover ......................................... 80
                                                                                                                                         the Insured Vehicle .................21                                                                                  Emergency Medical Expenses....................... 81
                                                     Next, familiarize yourself with this                                                                                          II Your Vehicle Repairing Options
                                                     booklet by understanding:                                                Section 2: Third Party Liability ...............39                                                                                  Ambulance Cost ...................................................... 81
                                                                                                                                                                                     Emergency Repairs .................................... 66
       Step 1                                        1. Commonly Used Terms....................6                              Section 3: Enhanced Motor                              Agency Repairs.............................................. 66
                                                                                                                                         Protection Covers ...................59                                                                                IV. Value - Add
       Start with the Standard Covers                2. FAQs ........................................................... 10
                                                                                                                                                                                     RSA Approved                                                                 Territory Extended to Oman ......................... 84
       as provided in your Schedule.                                                                                          We have categorized our                                Garages (Non-Agency) ............................ 67
                                                     3.           Covers
                                                                    Our                                    ..............13                                                                                                                                       Territory Extended to Other
                                                                                                                              enhanced covers into the
                                                                                                                              following for your ease:                               New Replacement Vehicle.................... 68                               GCC Countries .......................................................... 84
                                                     4. How to Report A Claim ..................16
                                                                                                                                                                                     Taxi Fares .......................................................... 69     Third Party Liability Limit for
                                                     5. How to Raise A Complaint...........18
                                                                                                                                                                                                                                                                  Property Damage ...................................................85
                                                                                                                                                                                     24 Hours Accident And
                                                                                                                                                                                                                                                                  Third Party Liability to Family Members
                                                                                                                                                                                     Breakdown Recovery ................................70
                                                                                                                                                                                                                                                                  and Passengers .......................................................85
              - To simplify the booklet, we have used illustrations and visual references.                                                                                           Replacement Of Locks .............................. 73
                The contents mentioned on this page are clickable for your ease of navigation.                                                                                                                                                                    Off Road Cover .........................................................85
              - To help you understand this Policy with ease, we have clearly bifurcated information                                                                                 Temporary Rent-A-Car ............................74                          Driving Another Car ..............................................86
                on the insurance provided as “what is covered” and “what is not covered”.
              - In case of an accident or theft, your Policy wording also explains what you should
                do. It provides useful numbers and procedures to use and follow, for quick reference.

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COMMONLY USED TERMS                                                                                                                   COMMONLY USED TERMS
The following terms and phrases shall have the meanings indicated besides each of them unless the context provided otherwise:
                                                                                                                                                                                                                                Sample of            of Motor Insurance
Accident:                                    Basic Deductible:                            You, permanently residing in Your home     by the Insured and for who he/she is          2. The family members of the Insured
Any incident that causes harm to a Third     The amount paid by the Insured               and for who You are legally responsible    legally responsible.                             and the Motor Vehicle Driver (spouse,
Party/ Injured Party as a result of, use     according to the Schedule of Deductibles                                                                                                 parents and children) who caused
explosion, combustion, scattering, drop      attached to this Policy per accident. We will Depreciation Percentage:                                                                   the accident.
of things from, movement, spontaneous        not charge you any deductible for theft of                                              Insured /You/Your/Policyholder:
movement or parking of the Motor Vehicle.    the Insured Vehicle, fire or windscreen claim. The percentage payable by the injured     A natural or corporate person, that has       3. The driver of a Motor Vehicle allocated
                                                                                           party on the occurrence of an accident,
                                                                                           and who requests the replacement of       applied for insurance, entered into an           for rent, public transportation or a
                                             Bodily Injury:                                                                                                                           vehicle used to teach driving.
Ancillary Deductible:                                                                      new parts in lieu of the used parts in    insurance contract with the Company and
                                             Death and/or physical injuries to a Third     case of partial loss according to the     paid or has agreed to pay the premium.
The amount paid by the Insured
                                             Party, including permanent disability or      schedules of depreciation.
according to the Policy in addition to                                                                                                                                             Insurance Application:
                                             temporary total or partial disability.
the Basic Deductible.                                                                                                                                                              The application that includes the
                                                                                                                                     Insurance Period:
                                             Company (Insurer)/ We/Us/Our:                Flood:                                                                                   details of the Insured, the details of the
                                                                                                                                     The period of time of motor vehicle           Motor Vehicle and the type of required
Agency Repairs:                              The insurance company that is licensed       An event that occurs within the concept
                                                                                                                                     insurance up to the end of the thirteenth
If Agency Repair cover is included in        to operate inside the State according to     of Natural Disasters.
                                             the laws and regulations in the State and                                               month from the commencement of the            knowledge of the Insured electronically
Your Policy, then You have the option
                                             accepts to insure the Motor Vehicle and                                                 insurance.                                    or in writing to renew it within 30 days
of having Your Vehicle repaired at the                                                    Geographical Area (Territorial Limits):                                                  from the date of accident.
manufacturer’s authorised dealers. If        has issued the Policy.
                                                                                          These are
You do not have this cover, then We shall                                                                                                                                                                                          DVD players and games consoles
                                                                                          - UAE                                      Injured Third Party:
select one of Our own Approved Garages                 of Motor Insurance:                                                                                                         In-Car Accessories: This is                     The equipment must be parts that
to undertake the repairs.                                                                 - Any other area stated in Your Policy     1.   Any natural or corporate person, or      -   A radio, cassette, compact disc player      are originally installed in the vehicle
                                             This document proves that You have
                                             motor insurance in compliance with UAE                                                       their properties, which have suffered        or other audio equipment                    by the vehicle manufacturers and
Approved Garages:                                                                         Household/Family Members:                       an injury or damage as a result of the   -   A phone or other communication              included in the original vehicles value.
                                             Our authorised representative.                                                               accident, excluding the Insured, the         equipment
In case the Agency Repairs cover is not                                                   The person(s) named in the Policy and
mentioned in the Policy Schedule the                                                      members of the family permanently               Motor Vehicle Driver and passengers      -   Navigation equipment - A television or   Motor Vehicle Driver (Licensed Driver):
repair to the Insured Vehicle will be done   Domestic Workers:                            residing with him/her, including                employed by the Insured if they are          other visual entertainment equipment     The insured or any person who drives
at one of Our Approved motor Garages.        Resident domestic servants employed by       resident domestic workers employed              injured during and because of work.          including video cassette recorders,      the Motor Vehicle by the permission
6                                                                                                                                                                                                                                                                         7
COMMONLY USED TERMS                                                                                                                COMMONLY USED TERMS

or order of the Insured, provided that      Personal Accidents Endorsement:            rider to it, which governs the relationship   Semi-Trailer:                                Trailer:                                    Vehicle Insured Value:
they are licensed to drive according to     An additional insurance coverage against   between the Insured and the Company,          A trailer without a front axle and is        A vehicle designed to be pulled behind      The amount stated in the Policy which
the Motor Vehicle category pursuant         personal accidents to the Motor Vehicle    and whereby the Company undertakes            towed in such a way that a large part of     a Motor Vehicle, truck or towing vehicle,   We shall pay in the event of a total loss
to the Traffic Laws and other laws and      Driver, the Insured and the passengers     to compensate the Insured, on the             its weight and tonnage is carried by the     including lightweight trailer (camper       after deducting depreciation in line with
regulations, and that the granted license   excluded from the basic coverage in        occurrence of the damage hereby               towing vehicle or the mechanical vehicle                                                 the usual scale.
                                                                                                                                                                                  trailer), the weight of which does
has not been cancelled by a court’s order   return for an additional premium.          covered, in return of the premium paid        (locomotive).                                not exceed 750 kg and it so licensed
or by virtue of the Traffic Laws and its                                               by the Insured.
                                                                                                                                                                                  according to the applicable Traffic Laws.
Executive Regulations. This definition
includes the driver whose driving license   Premium:                                                                                 Schedule:
                                                                                       Property Damage:
has expired if they manage to renew it      The consideration that is payed or                                                       The document which describes - You and       Third Party Liability:
within thirty days from the date            undertaken to be paid by the Insured in    Damage to a Third Party’s property.
                                                                                                                                     Your vehicle - Any special details of Your   The liability for injuries and damages
of accident.                                return for Insurance Coverage.                                                           Policy such as Excess or special terms and   arising from the use of the Insured
                                                                                       Rider:                                        conditions                                   Motor Vehicle to a Third Party/
Motor Vehicle:                              Policy - Third Party Liability:            Any special agreement between the                                                          Injured Party.
A mechanical machine, motor cycle or        The Unified Motor Vehicle Insurance        parties in supplement to the basic            Spouse:
any other device that works through a       Policy Against Third Party Liability       coverages under this Policy.
                                                                                                                                     A Spouse is a life partner in a marriage,
mechanical force, and its specifications    whereby the Company undertakes to
                                                                                                                                     generally termed as husband or wife.
are described in the Policy.                compensate the injured third party, on
                                                                                       Road:
                                            the occurrence of the damage hereby
                                            covered, and any endorsement to it,        Every road open and available to public       Standard Cover:
Natural Disaster:                                                                      without need to get special permission,
                                            which governs the relationship between                                                   These are basic covers prescribed by
Any general phenomenon that arises          the parties, in return of the premium      and every place that is made available
from nature such as floods, tornadoes,                                                 for the crossing of motor vehicles, and       the UAE Insurance Authority. These
                                            paid by the Insured.
hurricanes, volcanos, earthquakes and                                                  is made available to the public by a          covers can be found in Section 1 and 2
quakes, and leads to extensive and                                                     permission or license from a concerned        of the booklet
widespread damage, and in respect           Policy - Loss and Damage:                  authority or otherwise, for or without
of which a decision is issued by the        The Unified Motor Vehicle Insurance        consideration according to the definition
concerned authority in the State.           Policy against Loss and Damage and any     mentioned in the applicable Traffic Laws.
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FAQs                                                                                                                                         FAQs
CLAIMS & RELATED INFORMATION                                                                                                                    INSURANCE POLICY TYPE & RELATED INFORMATION

                                                                                                                                                       What are the different types of
         In the event of a claim, what is            In case of a claim, will You be able   at the vehicle’s authorised dealership.                    Motor Insurance, provided by RSA?      theft, or a malicious act unless
                                                                                                                                                                                                                                           De-registration of vehicle
         RSA expected to pay for?                    to provide me with an alternative      Otherwise We will select one of Our
                                                     vehicle to use while mine is in the    Approved Garages.                                   Motor Value                                                                                Transfer of ownership of the vehicle
                                                                                                                                                                                              Accrued legal liability & agreed costs
Once Our team of insurance claim experts             Garage?                                We only use garages that adhere to Our                                                            and expenses against Third Party bodily
undertake an analysis of the incident and                                                   strict quality controls. Garages must have                                                        injury/property damage arising out
                                              This facility can be provided in the event                                                        Motor Smart
We agree to cover Your claim, We shall:                                                                                                                                                       of use of the Insured Vehicle unless             In case the Policy is cancelled, do
                                              of an accident and if You have selected
     Repair, reinstate or replace the                                                       access to sophisticated repair equipment.                                                                                                          You return the premium for the
                                              the “Temporary Rent-A-Car” option at
     Insured Vehicle or any part thereof as                                                 For this reason, We are able to offer a                                                                                                            unexpired period?
                                              the time of the Policy inception for an
     per the terms of the Policy.                                                           -6month guarantee on mechanical work                Motor Executive                                   Why do I need 13 months of
                                              additional premium.                                                                                                                                                                       Yes, as long as no claims were made during
                                                                                            and -12month guarantee on body repairs              Highest level of cover offering unmatched         insurance and not an annual
                                                                                            and paint jobs.                                                                                                                             the Period of Insurance, a refund will be given
                                                                                                                                                benefits to vehicle owners                         insurance of 12 months?
     to Your Policy                                  What is No claims discount                                                                                                                                                         to You, subject to the Short Rate Schedule.
                                                     (NCD)?                                                                                                                                 A -13month insurance period is required
     Pay for any optional covers You have
     added to Your Policy
                                                                                             #drivetogether                                            What law is applicable to my RSA                                                        Why can’t the insurance and
                                              It is a discount given on the premium                                                                    Motor Insurance Policy?                                                                 registration be in two different
                                                                                                                                                                                            for the one month registration grace
     Deduct any amounts that apply, for       You pay, when You provide evidence of                                                                                                         period provided at the end of the                  names?
                                                                                                                                                The law of United Arab Emirates will be
     example, Excess or unpaid premium        no claims from Your previous Insurance         ensure you and your co-passengers are safe
                                                                                                                                                                                            -12month registration period.
                                                                                                                                                applicable to Your Insurance Policy.                                                    The Policyholder should normally be both
                                              Company or You have a claim free record        #do not panic or stop in the middle of the road,                                                                                           the main driver of the Insured Vehicle and
                                              with RSA.                                      steer clear of all traffic and then attend to the                                                                                           the registered owner.
                                                                                                                                                       What is a comprehensive motor
         What is the Excess (deductible)                                                     problem                                                                                              Can I cancel my Policy at any time?
                                                                                                                                                       vehicle Policy?
         if I make a claim?                           Which Garages will You use to
                                                      repair my vehicle?                     from your car by placing the safety cone at a      It is a comprehensive insurance cover as    Yes You can, but the UAE Ministry of
                                                                                             safe distance behind your car                                                                                                              department will only register a vehicle
 It is a customer contribution at the time                                                                                                                                                  Economy mandates the Insurance
 of any claim, which cannot be fully          If You have selected Agency Repairs                                                                                                           Company to obtain copies of the
                                                                                             #driveRSAfetytips #TeamRSA                           Damage to the Insured Vehicle due                                                     Motor Insurance. This is a UAE traffic law
 recovered from a Third Party or from Us.
                                              coverage then Your vehicle will be repaired                                                         to accidental collision, overturning,     following documents before cancelling       requirement.
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FAQs                                                                                                                            OUR COVERS AND BENEFITS
 INSURANCE POLICY TYPE &
                                             INSURANCE COVERS, ELIGIBILITY & RELATED INFORMATION                                    Motor Insurance Product Type                                Motor Executive              Motor Smart
 RELATED INFORMATION
                                                                                                                                    Description of Cover                                            Executive               Comprehensive
       How do You calculate my               country where the accident has taken            I only have a Third Party Liability
       Insurance premium?                    place. RSA has authorisation to issue           Policy. What will it cover?
                                             Orange Card if necessary, for their                                                    MAIN COVERS
A number of factors are used to calculate    customers. Therefore, please reach out       The cover is compulsory as per the
Your insurance premium. Amongst these        to us in case You are required to travel     UAE law and it’s features are:            ��ss �� �����e �� ��e ��s��e� �e����e                    As per the Vehicle Value   As per the Vehicle Value
factors are the age of the driver, length    to Oman.
                                                                                              Death or bodily injury to any         ����� ����� ��������� ��� ������ ������                         �������e�                  �������e�
of driving experience, claims history,
location, vehicle value and type.               Can You provide comprehensive cover           Third Party/person.
                                                                                                                                    ����� ����� ��������� ��� ����e��� �����e                    ��� ���������              ��� ���������
                                                for all vehicles irrespective of age?
                                                                                              Damages to Third Party property
       What is Insured as part of my                                                          arising out of the use of Your
                                             The comprehensive cover is available for
       RSA Motor Insurance Policy?                                                            vehicle.                              ENHANCED MOTOR PROTECTION
                                             vehicles up to the age of 7 years subject
We insure Your vehicle, including any        to RSA approval. Vehicles over 7 years         More importantly, this Policy does
                                                                                                                                    Territory Extended to Oman                                         Yes                        Yes
standard equipment that comes with it        need to be referred to Our motor team          not cover any damage or loss to
��� ��� �����������s� ������s �� ������      who will review each case and will be as       Your vehicle.                           ����� ����� ��������� �� ������ �e��e�s ��� ��sse��e�s             Yes                        Yes
Accessories that are attached to it and      supportive as possible in helping You with
                                             Your requirements.                              In case of selling my vehicle, is it
shown on Your current Policy Schedule                                                                                               Driving Another Car                                                Yes                        Yes
                                                                                             possible to transfer the insurance
                                                Will I be Eligible for a permanent           to the buyer’s name?
       What is an Orange Card?                                                                                                      Off Road Cover                                                     Yes                        Yes
                                                Agency Repair cover?
                                                                                          No, as the insurance premium and
        ���s �s � ����e� ��s�����e s��e�e�                                                                                          Ambulance Cost                                                 AED 6,770                   AED 6,770
                                             Agency repair cover is available for a       �e��s ��e ���e��e� �� ��e �����e ���
        which is required by vehicles
                                             vehicle for up to two years from its         driving experience of the driver, it
traveling from one Arab country to                                                                                                  Perils Of Nature, Riot, Strike & Civil Commotion                   Yes                        Yes
                                             ��s� �e��s������� �s �e�� ���e� ��� �e       is not possible to transfer the cover
�����e�� �� ���e�s ����� ����� ���������
                                             e��e��e� ��� �� �� ��e �e��s� s���e��        from one driver to another.               Windscreen                                                         Yes                        Yes
����� �s �e� ��e ��e������� ���s �� ��e
                                             to an additional premium.

12                                                                                                                                                                                                                                                 13
OUR COVERS AND BENEFITS                                            OUR COVERS AND BENEFITS

 Motor Insurance Product Type        Motor Executive    Motor Smart    Motor Insurance Product Type                   Motor Executive         Motor Smart

 Description of Cover                   Executive      Comprehensive   Description of Cover                              Executive           Comprehensive

 ENHANCED MOTOR PROTECTION                                             ADDITIONAL BENEFITS YOU CAN ADD
 Loss of Personal Items                AED 7,500         AED 5,000     Personal Accident Benefit - Driver           AED 200,000 Included   AED 200,000 Optional

 Emergency Medical Expenses            AED 6,000         AED 3,500     Personal Accident Benefit - Passengers       AED 200,000 Included   AED 200,000 Optional

 Personal Injury Cover                 AED 20,000       AED 20,000     Temporary Rent-A-Car                              Included               (Optional)

 Replacement of Locks                  AED 7,500         AED 5,000     No Claims Discount Protection                     Included               (Optional)

 Motor Garage And/Or Valet Parking        Yes               Yes        Territory Extended to other GCC Countries         Included               (Optional)

 No Claims Discount                       Yes               Yes        Agency Repairs                                    Included               (Optional)

 Emergency Repairs                     AED 1,000         AED 1,000     24 Hours Accident and Breakdown Recovery          Included               (Optional)

 RSA Approved Garages (Non-Agency)        Yes               Yes

 New Vehicle Replacement               12 Months         6 Months

 Taxi Fares                             AED 500          AED 300

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HOW TO REPORT A CLAIM
                                                                                                                           12 VHKK@RRDRR8NTQ/NKHBXENQ@MX@CCHSHNM@KBNUDQ@FD@RODQSGD3@AKDNE!DMDãSR
                                                                                                                           You are entitled to or have availed at the time of purchasing Your Insurance Policy.
                                                                                                                                                                                                                          Step 4
Making A Claim Involves the Following Steps                                   Driving License Front                                                                                                                         Assessing and settling
                                                                                                                                                                           Step 3                                           the claim

                                                 Sample of Police Report
                                                                                                                                                                            Towing and inspection                 In case the accident has been referred
                                                                                                                                                                                                                  to the court, please get in touch with
                                                                                                                         Step 2                                                                                   RSA immediately. RSA will reserve the
                                                                                                                                                               In case You have the 24 hours accident and         right to appoint a legal representative
                                                                              Driving License Back                       Lodging Your claim                    breakdown recovery cover as per the Table          in order for RSA to manage Your case
            Step 1                                                                                                                                             NE!DMDãSR @MCRODBHãDCHM8NTQ(MRTQ@MBD        through its lawyers.
                                                                                                                                                               Policy, RSA shall arrange for the Insured
                                                                                                             Please arrange to deliver the documents           Vehicle to be towed or alternatively it could
            Provide required details                                                                                                                                                                              In case the repair costs of Your vehicle
                                                                                                             mentioned in Step 1 to RSA, via any of the        be driven by You to one of Our Approved
            and documents                                                                                                                                                                                         exceeds 50% of the depreciated value
                                                                                                             following means;                                  Garages or the manufacturer’s authorised           of the Insured Vehicle (as per the
                                                                                                             Email: claims@ae.rsagroup.com;                    @FDMBXHE FDMBX1DO@HQRBNUDQHRRODBHãDC        depreciation Schedule described in this
     Police Report - This report provides a
                                                                           Vehicle Registration Card Front   (PDF/Word document)                               in Your Policy Schedule.                           booklet), Your vehicle will be declared
     brief description and sketch of damages
     occurred to the Insured Vehicle and also                                                                Online: www.rsadirect.ae; upload the                                                                 a total loss. For the procedure on total
     CDãMDRSGDQDRONMRHAHKHSXNED@BGO@QSX                                                                documents through Our website under                                                                  loss, You may contact Our claims
     in an accident including bodily injuries                                                                make a claim section or                                                                              team on: 800 774 or
     to You or Your co-passengers. Since                                                                     Walk-in: Deliver them in person to                                                                   email claims@ae.rsagroup.com or
     motor garages/workshops would only                                                                      RSA branches across UAE                                                                              fax to +971 4 334 8851
     repair damages mentioned in the Police
                                                                            Vehicle Registration Card Back   Dubai
     report, it is essential for You to ensure                                                                                                                                                                    We will settle Your claim through
                                                                                                             Ground floor, Burj Al Salam No.2, Sheikh                                                             repair or payment of reasonable cost
     these damages are clearly mentioned in
                                                                                                             Zayed Road.                                                       Our motor engineers may need       of repair. The Excess and any other
     the police report sketch.
                                                                                                                                                                               to inspect Your vehicle to agree
                                                                                                                                                                                                                  deductions that may apply would be
     5@KHC#QHUHMF+HBDMRD                                                                                  Abu Dhabi                                                         the repair cost with the garage,
                                                                                                                                                                                                                  communicated.
                                                                                                             Suite 2, Habib Bank Building, Hamdan Street                       which should happen within
     Vehicle Registration Card                                                                                                                                                 two working days.
                                                                                                             Sharjah
16                                                                                                           Suite 701, Al Mubarak Centre, Al Arouba Street                                                                                              17
HOW TO RAISE A COMPLAINT                                                                                                      HOW TO RAISE A COMPLAINT

At RSA, We are committed to going the extra mile for Our customers and wherever                                                                                                                  Step 2                                            Step 3
possible, exceeding their expectations. We aim to resolve any compliant or dispute                Step 1
                                                                                                                                 We promise to:                                                  Contact the RSA Senior                            Seek an external
You may have as quickly as possible.
                                                                                                Talk to Us First – Notify                                                                        Complaints Manager                                review of the decision
The following steps are part of Our complaints and disputes procedures:                         Us of the complaint                 Fully investigate Your complaint
                                                                                                                                                                                     If You continue to be unhappy with Our
                                                                                                                                    Keep You informed of progress                                                                          If You are still not satisfied after the
                                                                                                                                                                                     response, You may progress Your complaint
                                                                                     If You believe that We have not delivered      Do everything possible to resolve                                                                      review, or You have not received a
                                                                                                                                                                                     to the RSA Senior Complaints Manager on
                                                                                     the service You expected or You are            Your complaint                                                                                         written offer of resolution within 8
                                                                                                                                                                                     sr.complaintsmanager@ae.rsagroup.com
                                                                                     concerned about any aspect of the                                                                                                                     �ee�s fro� the date �e first re�ei�ed
                                                                                                                                    �earn fro� �ur �ista�es                          who will conduct a separate investigation
                                                                                     service We have provided, then please                                                                                                                 Your complaint, You may refer the
                                                                                                                                                                                     and full review. We will issue a letter
                                                                                     let Us know by emailing Us at                  Use the information from Your                                                                          complaint to the UAE Insurance
                                                                                                                                                                                     acknowledging Your complaint and We will
                                                                                     feedback@ae.rsagroup.com                       complaint to pro actively improve                                                                      Regulator.
                                                                                                                                                                                     continue to keep You well informed of the
                                                                                                                                    Our service in the future
                                                                                                                                                                                     further actions We will be taking to reach
                                                                                                                                    Acknowledge Your complaint within                a suitable conclusion. You will receive a
                                                                                                                                    24 hours and try to resolve Your                 final res�onse letter fro� �s to �on�lude
                                                                                                                                    concerns within 48 hours                         the complaint.
                                                                                                                                                                                                                                           Thank You for Your
                                                                                                                                                                                                                                           feedback
                                                                                            acknowledged within                   #drivetogether                                                                                           We value Your feedback and at the heart
                                                                                                                                  �headli�ht �ash� �ashin� headli�ht in the uae      #safedistance-maintain safe distance of one           of Our brand We remain dedicated to
                                                                                                              resolve in          mostly means ‘make way’ for police cars or other   car between your car & other cars on the road,
                                                                                                                                                                                                                                           treating Our customers as individuals
                                                                                                                                  vehicles.                                          to allow for better controlled reaction during
                                                                                                                                                                                     emergency braking situation.                          and giving them the best possible
                                                                                                                                  #be safe, use the rear-view mirror, move out of                                                          service at all times. If We have fallen
                                                                                                                                  fast lane and do not panic. stay calm and move     be smart, be alert and use your indicators wisely &
                                                                                                                                                                                                                                           short of this promise, We apologise and
                                                                                                                                  over only when its safe to do so                   maintain safe driving distance from other vehicles
                                                                                                                                                                                     to avoid any incidents                                aim to do everything possible to make
                                                                                                                                                                                                                                           things right.
                                                                                                                                                                                     #driveRSAfetytips #TeamRSA

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YOUR MAIN POLICY COVERS   Section 1: Loss or Damage to the
                                     Insured Vehicle
                          The Unified Motor Vehicle Insurance Policy Against Loss and Damage
                          issued pursuant to the Regulation of Unified Motor Vehicle Insurance
                          Policies according to the Insurance Authority Board of Directors
                          Decision No. (25) of 2016

                          Whereas the Insured has applied to Royal & Sun Alliance Insurance
                          Middle East B.S.C.© (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 an injured party;

                          Therefore, this Policy was entered into to cover the damages that befall
                          on the Insured Motor Vehicle in the UAE during the insurance period
                          according to the terms, conditions and exclusions in or appended to
                          this Policy.

20                                                                                                 21
Section 1: LOSS OR DAMAGE TO THE INSURED VEHICLE                                                                                    Section 1: LOSS OR DAMAGE TO THE INSURED VEHICLE

 Chapter One: General Conditions                                                                                                        Chapter One: General Conditions

     1.   The Policy and its schedules shall constitute one integral   5. The Company and the Insured may agree, using riders in         6. Notwithstanding the terms and conditions of this Policy,       8. a. If the Insured Motor Vehicle is a total loss, and the
          contract, and any Rider to this Policy shall constitute an      return for an additional premium and within the scope of          the Insurance Company may not refuse to compensate                   Company compensates the Insured on that basis, the
          integral part hereof, and every term or phrase to which a       the terms and conditions herein, that the Company shall           the Insured as a result of late notification of the accident,         salvage will be deemed property of the Company. The
          special meaning has been given in any part of the Policy        insure against the other damages not provided for in this         if the delay is attributed to an acceptable excuse.                  Insured may n ot be charged any e xpenses related to
          or its schedules shall have the same meaning elsewhere,         Policy, in particular:                                                                                                                 the transfer of the Motor Vehicle title or issuance
          unless the context otherwise requires.                                                                                                                                                                 of a certificate of ownership of the Motor Vehicle.
                                                                                                                                         7. With respect to a fleet insurance policy or any motor
                                                                         a. Insurance against the damages to the properties of the
     2. Any notice or notification of an accident that is required                                                                           Vehicle insured under this Policy, the Company may not
                                                                            Insured or the Motor Vehicle Driver at the time of the                                                                           b. The insured shall be liable to pay the dues arising on the
        by this Policy shall be served to the Company in writing                                                                            enter into an external agreement that may reduce the
                                                                            accident or the properties kept with them in trust, or                                                                              vehicle before receiving the compensation and to submit
        by e-mail, facsimile or by hand delivery to the address                                                                             coverage provided under this Policy or depriving the
                                                                            in their guardianship or possession under a rider to this                                                                           the required papers and power of attorney and attend
        designated in the Policy as soon as practically possible.                                                                           Insured or the beneficiary of this policy from exercising
                                                                            Policy or a separate policy.                                                                                                        before the competent departments, if necessary in order
                                                                                                                                            the right to claim for compensation hereunder, including
     3. Any external agreement between the Insured and the               b. Coverage of the damages or risks which occur outside                                                                                to transfer the ownership of the Motor Vehicle to the
                                                                                                                                             depriving a claim for compensation for any reason not
        Company that will reduce the coverages hereunder shall                                                                                                                                                  Company. Whereas, in case there is mortgage, the
                                                                            the roads.                                                       related to the accident such as age,, gender, or otherwise,
        be deemed void.                                                                                                                                                                                         Company shall undertake without delay the
                                                                                                                                             or the agreement will be deemed void.
                                                                                                                                                                                                                communication with the competent entity ( the owners
     4. In case of several insurances with more than one                                                                                                                                                        of mortgages ) to obtain a non-objection letter to transfer
                                                                                                                                                                                                                the ownership of the salvage of the vehicle to the
        insurance company, the Company will only be committed
                                                                                                                                                                                                                Company.
        to compensate damages in the percentage of the amount
        insured with it to the total insured amounts against the
        insured risk.

22                                                                                                                                                                                                                                                                        23
Section 1: LOSS OR DAMAGE TO THE INSURED VEHICLE                                                                                     Section 1: LOSS OR DAMAGE TO THE INSURED VEHICLE

 Chapter One: General Conditions                                                                                                          Chapter One: General Conditions

                                                                                                                                          13.. In case of the entitlement to the loss of benefit
     9. The Company may, at its expense, assume the judicial and          10. For the purpose of verifying the details of the Insured
                                                                                                                                               allowance (substitute Motor Vehicle) and the
        settlement proceddings to represent the Insured or the                Motor Vehicle, all details in Schedule (5) of this Policy
                                                                                                                                              Affected Third Party has insurance against loss
        Motor Vehicle Driver through an attorney in any investigation         shall be an integral part hereof.                               and damage and Third Party Liability, he shall be
        or interrogation and before any court in any lawsuit or
                                                                                                                                              entitled, for the purpose of obtaining the loss
        intervention in any phase of the lawsuit in relation to a claim   11. No lawsuit arising from this Policy may be filed after the       of benefit allowance (substitute Motor Vehicle) to
        or accident for which the Company may be held liable                  elapse of three years after the occurrence which has            claim directly against his Company, which has the
        under this Policy and which may give rise to the payment              given rise to the lawsuit or the related parties become         right to claim the for same amount paid to the
        of compensation according to this Policy. The Company                 aware of its occurrence.                                        Insurance Company of the insured, who caused the
        may settle or enter into a reconciliation for such claim.
                                                                                                                                              accident and has insurance against Third Party
        The Insured shall provide every possible cooperation with
                                                                          12. The courts of the United Arab Emirates shall be                 Liability in accordance with the rules specified in the
        the Company by signing a power of attorney to the attorney
                                                                              competent to determine any disputes arising from                Third Party Liability policy.
        or otherwise to enable the Company to initiate any
                                                                              this Policy.
        proceedings.
                                                                                                                                          14. If the fixed and irreplaceable parts of the Motor
                                                                                                                                              Vehicle such as chassis or pillars are damaged and
                                                                                                                                              need cutting, tightening or welding as a result of the
                                                                                                                                              accident, the Motor Vehicle shall be considered total
                                                                                                                                              loss and the Company shall be obliged to pay the
                                                                                                                                              compensation according to the value specified in the
                                                                                                                                              policy between the Company and the Insured.

24                                                                                                                                                                                                     25
Section 1: LOSS OR DAMAGE TO THE INSURED VEHICLE                                                                                      Section 1: LOSS OR DAMAGE TO THE INSURED VEHICLE

 Chapter Two: Obligations of the Insurance Company                                                                                        Chapter Two: Obligations of the Insurance Company

     1.    The Company shall compensate the Insured for loss or             c. Replace the damaged Motor Vehicle in case of a total          and damage insured hereunder after deduction of the                SGDC@L@FDC,NSNQ5DGHBKD@SSGDBNMBDQMDCNEãBH@K
           damage that occurs to the Insured Motor Vehicle and its             loss, unless the Insured requests the Company to pay          Depreciation Percentage of 20% from the insured value,             authorities. If it is found that the repairs are below
           accessories while in the vehicle, including damaged parts           them the amount in cash. In this case, the Company            and taking into account the fraction of insurance period           QDPTHQDC@MCQDBNFMHYDCSDBGMHB@KRS@MC@QCR SGD
           and spare parts, in the following cases:                            shall respond to the Insured’s request.                       (i.e., the proportion of the period from the commencement          Company shall address the issue(s) with the repair shop
          a. If loss or damage arises from an accidental run-over,                                                                           date of the insurance period to the date of the accident to        until the Motor Vehicle is professionally repaired and
              collision, turnover, or incident, or as a result of an      3. If the Insured requests that new original parts are to be       the total insurance period).                                       delivered to the Insured.
              unexpected mechanical breakdown or as a result of              installed in lieu of the parts damaged during the accident
              wear and tear of parts by use;                                 or are to be paid for in cash, the Insured will bear the     6. If the Motor Vehicle becomes unroadworthy due to loss             (MB@RDNE@MXBNMâHBSADSVDDMSGD"NLO@MX@MC
          A  (EKNRRNQC@L@FD@QHRDREQNL@MDWSDQM@KãQDNQ              #DOQDBH@SHNM/DQBDMS@FDRDSHM2BGDCTKDNESGDãM@K        or damage insured hereunder, the Company will bear                   the Insured concerning the value of damages or the
              explosion, spontaneous combustion or lightning;                value of the purchase invoice. In case of taxi vehicles,        the necessary costs of safeguarding and transporting the             amount of compensation, the Company will appoint
          c. If loss or damage arises from robbery or theft;                 public transport vehicles and rental vehicles, the Insured      Motor Vehicle to the nearest repair shop, in order to deliver        an Authority-licensed and registered Surveyor and
          d. If loss or damage arises from a third party willful act;        will bear the Depreciation Percentage set in Schedule (2).      it to the Insured after repair.                                      +NRR CITRSDQSNCDSDQLHMDSGDU@KTDNESGDRDC@L@FDR
          e. If loss or damage occurs during land transport, inland                                                                                                                                               or the amount of compensations at the Company’s
              water transport, elevators or lifting machinery including   4. The Insured may assume the repair of damages that            7. If the damaged Motor Vehicle is repaired with repair shops           expense. If the experts opinion is disapproved, either
              loading and unloading processes related to the                 occur to the Motor Vehicle as a result of an insured            approved by the Company, the Company shall ensure                    party may request the Authority to appoint an expert
              aforementioned transport processes; and                        accident hereunder, provided that the estimated repair          that the Motor Vehicle is repaired properly, carefully and           licensed by it at the expense of that party, and that the
          f. Any additional coverage to be agreed upon under this            costs do not exceed the value of repair agreed upon in          professionally and that the work is warranted by the                 expert’s charges will be eventually borne by the party
              Policy or special riders to it.                                writing with the Company.                                       repair shops. The Company shall ensure that the Insured              for whom the report was not in their favor.
                                                                                                                                             is enabled to have the Motor Vehicle checked by any
     2. Upon the occurrence of an accident, the Company shall:            5. If the Insured Motor Vehicle is lost, proves to be              approved motor vehicle examination agency in the UAE
        a. Repair the Motor Vehicle or any of its parts, accessories,        irreparable, or that costs of repair exceed 50% of the          to make sure that the Motor Vehicle has been properly
           or spare parts and restore the vehicle to its pre-                Motor Vehicle value before the accident, the insured value      repaired without affecting the technical examination of
           accident condition.                                               of the Motor Vehicle agreed upon between the Insurer
        b. Pay the amount of loss or damage in cash to the                   and the Insured on signing of the Insurance Policy will
           Insured if this is agreed on with the Insured.                    be the basis of calculation of the compensation of loss

26                                                                                                                                                                                                                                                                            27
Section 1: LOSS OR DAMAGE TO THE INSURED VEHICLE                                                                                       Section 1: LOSS OR DAMAGE TO THE INSURED VEHICLE

 Chapter Three: Obligations of the Insured                                                                                                 Chapter Three: Obligations of the Insured

     1.   To pay the Agreed upon Premium.                                  information related to the accident �ithout un�ustifia�le           a. Maximum 10% of the amount of compensation if the       8. For application of paragraph (7) of this Chapter,
                                                                           delay. The Insured shall furnish the Insurer as soon as               Motor Vehicle Driver is below the age of 25 years.        application of Deductible Percentages shall apply the
     2. All reasonable precautions must be taken to keep and               possible for every claim, notice or judicial papers once           b. Maximum 10% of the amount of compensation in case of      highest percentage in the case of several deductibles
        protect the Insured Motor Vehicle from loss or damage              they receive them.                                                    taxi and public transport vehicles.                       for one accident.
        and maintain the same in a good working condition. In                                                                                 c. Maximum 15% of the amount of compensation of sports
        case of any accident or breakdown of the Motor Vehicle,         �. �he �om�any shall �e notified as soon as �ractically                   cars and modified vehicles.
        the Insured may not leave the Insured Motor Vehicle or             possible once they become aware of any lawsuit,                    d. Maximum 20% of the amount of compensation of
        any part thereof without taking necessary precautions              investigation or detections concerning the accident. In               vehicles modified outside the factory.
        to prevent the aggravation of damages. If the Insured              case of theft or any other criminal act which may give rise        e. Maximum 20% of the amount of compensation of
        Motor Vehicle is driven before making necessary repairs            to a claim according to this Policy, the Insured shall notify         rental vehicles.
        by the Insured or the Motor Vehicle Driver, every increase         the police and the Company promptly and as soon as
        of damage or every damage to the Insured Motor Vehicle             practically possible and cooperate with the Company in
        arising from the same will not be the responsibility of the        this respect.
        Company pursuant to this Policy.
                                                                        6. The Insurer may charge the Insured that has caused the
     3. The Insured shall remain the sole owner of the Insured             accident with a deductible amount to be deducted from
        Motor Vehicle throughout the Insurance Period, and                 the due amount of compensation due with respect to
        may not lease the vehicle to any third party or sign any           any accident which is caused by them personally or by
        contract which may restrict their absolute ownership and           the �erson authori�ed �y them to drive the �otor �ehicle
        possession of the Motor Vehicle without the prior written          or cases that are deemed committed by an unknown
        consent of the Company. 4.                                         person, according to Schedule (3).
        In case of any accident which may give rise to a claim
        according to the provisions of this Policy, the Insured shall   7. In addition to the deductible amounts set in Schedule
        immediately notify the concerned official authorities,              (3), the Insured may charge the Insured who caused an
        and shall promptly notify the Insurer and furnish all              accident an additional deductible as follows:

28                                                                                                                                                                                                                                                                 29
Section 1: LOSS OR DAMAGE TO THE INSURED VEHICLE                                                                                        Section 1: LOSS OR DAMAGE TO THE INSURED VEHICLE

     Chapter Four: Exclusions                                                                                                               Chapter Four: Exclusions

The Company will not pay any compensation for the                      5. If it is proven that the Motor Vehicle has been used or          8. Loss or damage that occurs to the Motor Vehicle outside the        11. Loss or damage that occurs to the Insured Motor
following issues:                                                         utilized in a speed race or test, provided that this is proved      geographical territory set out in this Policy, unless a rider is       Vehicle if the Company loses the right of subrogation to
                                                                          to be the proximate cause of the accident.                          issued to extend coverage to this territory.                           the damage caused due to the Insured’s declaration of
1.    Indirect losses that occur to the Insured or devaluation of                                                                                                                                                    being responsible for the accident, which they have not
      the Motor Vehicle as a result of its use, breakdown, defect or   6. The damage to the Motor Vehicle from the accidents               9. The accidents that have occurred, caused, resulted or                  caused. If this is proven after payment of compensation
      breakage of the mechanical or electrical devices.                   which occur during the Motor Vehicle being operated by a            are related directly or indirectly to natural disasters such           to the Insured, the Company may have recourse to it for
                                                                          driver who is not licensed to drive according to the Traffic        as floods, tornadoes, hurricanes, volcanoes, earthquakes               recovery of amounts paid to them.
2. The damage arising as a result of overload or excess of the            Laws or without obtaining a driving license for the kind            and quakes.
   limits of permissible width, length or height or the excess            / category of the Motor Vehicle according to the Traffic                                                                               12. Loss or damage that occurs to the Motor Vehicle off
   of the number of passengers beyond the licensed number,                Laws and Regulations and the provisions of this Policy, or       10. Invasion, foreign enemy hostilities or warlike operations,            the road, as defined, unless a rider is issued extending
   provided that it is proved that this is the proximate cause of         the driver holding an expired Driver’s License who fails to          whether war is declared or not, civil war, strike, civil              coverage to drive outside the road.
   damage.                                                                renew it within thirty days from the date of the accident,           commotion, insurrection, revolution, coup d’etat, usurped
                                                                          or the license granted to them has been suspended by                 power, confiscation, nationalization, radioactive substances
3. The damage of tires if it does not occur at the same time as           the court or competent authorities or according to the               and radioisotopes, atomic or nuclear explosions, or any
   damage to the Insured Motor Vehicle.                                   Traffic Regulations.                                                 factor directly or indirectly related to any of the foregoing
                                                                                                                                               causes.
4. The loss or damage which occurs to the Motor Vehicle with           7. Loss or damage that occurs to the Motor Vehicle, or any
    respect to accidents resulting from:                                  part thereof, with respect to accidents while the Motor
   a. Use of the Motor Vehicle for purposes other than those              Vehicle is being driven under the influence of narcotics,
      mentioned in the Insurance Application attached to this             alcohol or drugs that undermine the driver’s ability to
      Policy.                                                             control the Motor Vehicle if this is proven to
   b. Violation of laws if the violation implies an intentional           the competent authorities or confessed by the Motor
      felony or misdemeanor according to the definition                   Vehicle Driver. This exclusion does not apply in case of
      mentioned in the applicable Federal Penal Code.                     rental vehicles.

30                                                                                                                                                                                                                                                                              31
Section 1: LOSS OR DAMAGE TO THE INSURED VEHICLE                                                                                            Section 1: LOSS OR DAMAGE TO THE INSURED VEHICLE

 Chapter Five: Recourse against the Insured                                                                                                     Chapter Six: Policy Termination

     The Company may have recourse to the Insured or the Motor            4. If it is proven that loss or damage that occurred to               1.   The Company may terminate this Policy on the condition            remained in effect subject to the Short Rate Schedule
     Vehicle Driver or both, as the case may be, in the amount of            the Motor Vehicle, or any part thereof, arose from the                  that there are serious grounds for termination during             No. (4), provided that there is no compensation paid
     compensation paid in the following cases:                               (MRTQDCNQ@MNSGDQODQRNMCQHUHMFTMCDQSGDHMâTDMBDNE                the Policy Period by a notice in writing to be sent to the        to the Insured or pending claims in relation to this
                                                                             narcotics, alcohol or drugs that undermine the driver’s                 Insured via e-mail, facsimile, hand delivery or registered        Policy during the period of time the Policy is valid, if the
     1.   If it is proven that the insurance was concluded based             ability to control the Motor Vehicle, if this is proven to the          KDSSDQSGHQSXC@XROQHNQSNSGDãWDCC@SDNESDQLHM@SHNMSN      Insured has caused the accident or in cases that are
          upon the Insured’s misrepresentation and non-disclosure            concerned authorities or confessed by the Motor Vehicle                 the latest address of the Insured known by the Company.           deemed committed by unknown persons.
          of material facts that affect the acceptance by the                Driver. In case of rental vehicles, recourse will be against            The Insurance Authority shall be advised of the grounds of
          Company to cover the risks or insurance rate.                      the Motor Vehicle Driver (renter).                                      such termination. In this case, the Company shall refund       3. This Policy shall be considered terminated in case
                                                                                                                                                     to the Insured the paid premium after deducting a portion         of a total loss to the Motor Vehicle, provided that its
     2. If following payment of compensation, it is proven that           5. If the accident is proven to have occurred intentionally by             in proportion to the period during which the Policy has           registration is deleted with a report issued by the
        the Motor Vehicle was used for purposes other than                   the Insured or the Motor Vehicle Driver.                                remained in effect.                                               1N@C@MC3Q@EãB#DO@QSLDMSBNMãQLHMFSG@SHSHR
        those set out in the Insurance Application attached to                                                                                                                                                         unroadworthy, and the Company shall compensate the
        this Policy, or the maximum number of passengers was              6. If the trailer, half-trailer or semi-trailer causes an accident,   2. The Insured may terminate this Policy by a notice in writing        Insured according to the provisions of this Policy.
        exceeded, or the Motor Vehicle was overloaded, or its                and the Insured has not agreed with the Company on the                to be sent to the Company, via e-mail, facsimile, hand
        loading was not secured correctly or exceeds the limits of           existence of such a trailer.                                          CDKHUDQXNQQDFHRSDQDCKDSSDQRDUDMC@XROQHNQSNSGDãWDC
        permissible width, length or height, provided that this is                                                                                 date of termination. In this case the Company shall refund
        proven to be the proximate cause of the accident.                 7. If loss or damage that occurs to the Motor Vehicle is                 to the Insured the paid premium after deducting a portion
                                                                             a result of theft or robbery, recourse will be against                in proportion to the period during which the Policy has
     3. If following payment of the compensation it is proven                the thief.
        that there is a violation of the law, if the violation involves
        @VHKKETKEDKNMXNQLHRCDLD@MNQ @RCDãMDCHMSGD4 $ŒR
        applicable penal code.

32                                                                                                                                                                                                                                                                                    33
Section 1: LOSS OR DAMAGE TO THE INSURED VEHICLE                                                                               Section 1: LOSS OR DAMAGE TO THE INSURED VEHICLE

     Schedule No. (1)                                                Schedule No. (2)                                               Schedule No. (3)                                            Motor Vehicle                                Deductible
     Depreciation Percentages, Except for Taxi Vehicles, Public      Depreciation Percentages for Taxi Vehicles, Public Transport   Deductibles
     Transport Vehicles and Rental Vehicles, According to the Date   Vehicles and Rental Vehicles, According to the Date of First                                                             Private vehicles where the permissible Maximum AED 1,200/
     of First Registration and Use                                   Registration and Use                                              Motor Vehicle                             Deductible   number of passengers does not                per accident
                                                                                                                                                                                              exceed (9) passengers; and the value
        Year                     Percentage                             Year                                Percentage               Private vehicles where the          Maximum AED 350/     of which exceeds AED 250,000
                                                                                                                                     permissible number of passengers          per accident
        First                    -                                      +@RSRHWLNMSGRNESGDãQRSXD@Q   í                      does not exceed (9) passengers;                          Private vehicles where the           Maximum AED 1,400/
                                                                                                                                     and the value of which does                              permissible number of passengers            per accident
        Second                   5%                                     Second                              20%                                                                               does not exceed (9) passengers;
                                                                                                                                     not exceed AED 50,000
                                                                                                                                                                                              and the value of which exceeds
        Third                    10%                                    Third                               25%
                                                                                                                                     Private vehicles where the          Maximum AED 700/     AED 500,000
        Fourth                   15%                                    Fourth                              30%                      permissible number of passengers          per accident
                                                                                                                                     does not exceed (9) passengers;                          Private vehicles where the permissible Maximum AED 1,500/
        Fifth                    20%                                    Fifth                               35%                      and the value of which exceeds                           number of passengers exceeds (9)             per accident
                                                                                                                                     AED 50,000 and not                                       passengers; and does not exceed
        Sixth and above          30%                                    Sixth and above                     40%                                                                               (12) passengers
                                                                                                                                     exceeding AED 100,000

                                                                                                                                     Private vehicles where the         Maximum AED 1,000/    Private vehicles where the permissible Maximum AED 1,700
                                                                                                                                     permissible number of passengers          per accident   number of passengers exceeds (12)           / per accident
                                                                                                                                     does not exceed (9) passengers;                          passengers, rental vehicles and trucks
                                                                                                                                     and the value of which exceeds                           where the tonnage does not exceed (3) tons
                                                                                                                                     AED 100,000 and not exceeding
                                                                                                                                                                                              Trucks where the tonnage exceeds      Maximum AED 4,500/
                                                                                                                                     AED 250,000
                                                                                                                                                                                              (3) tons, passenger buses and industrial     per accident
                                                                                                                                                                                              vehicles for construction and
                                                                                                                                                                                              agricultural works

34                                                                                                                                                                                                                                                         35
Section 1: LOSS OR DAMAGE TO THE INSURED VEHICLE                                                                          Section 1: LOSS OR DAMAGE TO THE INSURED VEHICLE

     Schedule No. (4)                                           Schedule No. (5)
     Short Rate Schedule - Percentages of Recoverable Premium   Schedule of Details of the Insured Motor Vehicle in the
                                                                (MRTQ@MBD/NKHBX@F@HMRS+NRR@MC#@L@FD
        Policy Validity Period          Recoverable Premium
                                                                   Details of Motor Vehicle
        A period not exceeding one month                80%
                                                                Country of            Plate Number          Make, Model &   Motor Vehicle          Registration          Purpose of            Manufacturing          Tonnage or            Number of
        A period exceeding one month and not                    Manufacture                                 Color           "K@RRHãB@SHNM         Type                  use                   Year                   Weight                Passengers with
        exceeding four months                           70%                                                                                                                                                                                 Driver

        A period exceeding four months and
        not exceeding six months                        50%

        A period exceeding six months and
        not exceeding ten months                        30%
                                                                                                                            Engine Number:                                                                Chassis Number:
        A period exceeding ten months                     Nil
                                                                                                                            Royal & Sun Alliance Insurance Middle East B.S.C.© declares that the Motor Vehicle detailed above in this Schedule is insured with
                                                                                                                            it according to the provisions of this Policy.
                                                                                                                            Issued By:                                                                      Issuance Date:

36                                                                                                                                                                                                                                                               37
Section 1: LOSS OR DAMAGE TO THE INSURED VEHICLE                                                     Section 1: LOSS OR DAMAGE TO THE INSURED VEHICLE

     The term of insurance begins at ……………… on …/…/……, and expires at ………… on .../.../…...               Motor Vehicle Insurance Application
     Agreed upon premium:                              Issuance date: …/…/……
                                                                                                         Applicant’s Details
     Insured’s Details                                             Company’s Details
                                                                                                         Name according to ID            First   Second        Third                Family Name
     Insured’s Name :                                              Company’s Name:
                                                                                                         Date of Birth                           P.O. Box                           Postal code
     Address:                                                      Address:
                                                                                                         ID Number                                             E-mail

                                                                                                         ���� �����                              ����� �����                        ������
     E-mail:                                                       E-mail:
                                                                                                         Address/ Emirate

     Postal Address:                                               Postal Address:                       Profession                                            Employer

                                                                                                         ������� ������� ������                                ���������� ����
     ������������� ������       �
                                                                                                         (Trade Name if any)                                   Commercial Register Number

     Phone:                                                        Phone:                                ���� �����

     Name and Signature of the Insured or their representative:    Signature and stamp of the Company:

38                                                                                                                                                                                                39
Section 1: LOSS OR DAMAGE TO THE INSURED VEHICLE

 Motor Vehicle Insurance Application

 Insurance Service Details

 1DFHRSQ@SHNM,@QJ          3QTBJ    2L@KK3QTBJ   +@QFD3QTBJ               .SGDQ
                                                                                                             Section 2: Third Party Liability
 Model / Use                 Private   Commercial     Rental                     Driving Education   Other   The Unified Motor Insurance Vehicle Insurance Policy Against Third
                                                                                                             Party Liability issued pursuant to the Regulations of Unifying Motor
                                                                                                             Vehicle Insurance Policies according to Insurance Authority Board of
 Body Number                                          Engine Number                                          Directors Decision No. (25) of 2016

                                                                                                             Whereas the Insured has applied to Royal & Sun Alliance Insurance
 Chassis Number                                       Engine Capacity (CC)                                   Middle East B.S.C.© (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
 No. of Passengers                                    Manufacturing Year
                                                                                                             paid or has agreed to pay the applicable premium, and the Company
                                                                                                             has accepted and represented to pay compensation to a Third Party/
 Current Value                                        Current Value, including                               Injured Party in case of any accident subject to this insurance, whether
 without Accessories                                  Accessories                                            it emerges from the use or parking of the Motor Vehicle in the UAE
                                                      (to be elaborated)                                     during the insurance period;
                                                                                                             Therefore, this Policy was entered into to cover liability towards a Third
                                                                                                             Party/ Injured Party caused by the Insured Motor Vehicle to the Third
 Insurance Period                                     Insurance Type                                         Party/ Injured Party according to the terms, conditions and exclusions
                                                                                                             in or appended to this Policy for the amounts the Insured or the Motor
 Insured / Representative                             Signature                                              Vehicle Driver must pay against:
                                                                                                             - Bodily Injury to a Third Party, either inside or outside the
                                                                                                                 Motor Vehicle.
                                                                                                             - Property Damages to a Third Party.

40                                                                                                                                                                                   41
Section 2: THIRD PARTY LIABILITY                                                                                                                Section 2: THIRD PARTY LIABILITY

 Chapter One: General Conditions                                                                                                                    Chapter One: General Conditions

     1.   The Policy and its schedules shall constitute one integral            b. In case of death of the driver of a rental vehicle, public          b. However, new coverage not provided for in the Policy           a. Compensation shall be divided equally between
          contract, and any Rider to this Policy shall constitute an               transport vehicle and a vehicle used to teach driving,                 maybe agreed upon or the limits of such liabilities and           Insurers in case of death and/or injuries. If the liability
          integral part hereof, and every term or phrase to which a                the Company’s liability will be limited to an amount of                coverages maybe increased under a separate policy or              is shared (between the Insured and the Third Party/
          special meaning has been given in any part of the Policy                 AED 200,000 (Two Hundred Thousand Arab Emirates                        an additional rider.                                              Injured Party) based on the degree of negligence, then
          or its schedules shall have the same meaning elsewhere,                  Dirhams) per person. In case of injury, the Insurer’s                                                                                    the percentage of participation in the negligence shall
          unless the context otherwise requires.                                   liability will be further limited to the percentage of           8. The Company may, at its expense, assume the judicial                 be taken into account.
                                                                                   disability per person.                                              and settlement proceedings to represent the Insured
     2. This Policy does not apply outside the State.                                                                                                  or the Motor Vehicle Driver through an attorney in any           b. Compensation for property damages shall be divided
                                                                               MXMNSHBDNQMNSHãB@SHNMNE@M@BBHCDMSSG@SHRQDPTHQDC             investigation or interrogation and before any court in              based on the percentage of the insured amount set out
     3. The Company may not assert to the Injured Third Party                   by this Policy shall be served to the Company in writing               any lawsuit or intervention in any phase of the lawsuit             in each policy to total insured amounts in all policies,
        that it is not liable for compensation as a result of any               by e-mail, facsimile or by hand delivery to the address                in relation to a claim or accident for which the Company            after the percentage of participation in the negligence is
        argument that can be used against the Insured.                          designated in the Policy as soon as practically possible.              may be held liable under this Policy, and which may                 taken into account.
                                                                                                                                                       give rise to the payment of compensation according
     4. The Third Party/ Injured Party may submit a claim to the             @ 6HSGQDRODBSSN@âDDSHMRTQ@MBDONKHBXNQ@MX,NSNQ                to this Policy. The Company may settle or enter into a         10. On the occurrence of an accident, the Company shall:
        Company for compensation for damages caused to them                       Vehicle insured under this Policy, the Company may not               reconciliation for such claim. The Insured shall provide          a. Repair the damaged Motor Vehicle or any of its parts,
        by the Insured Motor Vehicle.                                             enter into any agreement that may reduce or prevent the              every possible cooperation with the Company by signing               accessories or spare parts and restore the Motor
                                                                                  BNUDQ@FDNEHSRETKK3GHQC/@QSX+H@AHKHSX@QHRHMFEQNLCD@SG       a power of attorney to the attorney or otherwise to the              Vehicle to its pre-accident condition.
     5. a. In case of death of a family member of the Insured or                  bodily injuries or property damages covered under this               Company to initiate any proceedings.
           the Motor Vehicle Driver, the Company’s liability will be              Policy or reduce the limits of liability of the Company or                                                                            b. Pay the market value of the damaged Motor Vehicle
           limited to an amount of AED 200,000 (Two Hundred                       reduce the coverage contemplated under this Policy,                 6HSGNTSOQDITCHBDSNSGDQHFGSRDLDQFHMFEQNL+HED                if the value of damages exceeds (50%) of the market
           Thousand Arab Emirates Dirhams) per person. In case                    including depriving a claim for compensation for any                  insurance policies and personal accident insurance                 value of the Motor Vehicle at the time of the accident,
           of injury, the Insurer’s liability will be further limited to          reason not related to the accident such as age, gender,               policies, and in case of the existence of several                  provided that the Company’s liability does not exceed
           the percentage of disability per person.                               or the date of acquiring the driving license, or otherwise,           BNLOTKRNQXONKHBHDR@F@HMRS3GHQC/@QSX+H@AHKHSXDLDQFHMF        an amount of Two Million Arab Emirates Dirhams per
                                                                                  or the agreement will be deemed void.                                 from the use of the Motor Vehicle issued by more than              accident according to Paragraph (c) of Clause (1) of
                                                                                                                                                        one Company:                                                       Chapter Two: Obligations of the Insurance Company.

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Section 2: THIRD PARTY LIABILITY                                                                                                   Section 2: THIRD PARTY LIABILITY

 Chapter One: General Conditions                                                                                                       Chapter One: General Conditions

     c. Replace the damaged Motor Vehicle in case of total loss, 13. a . Upon the lapse of more than one year after registration
         for another Motor Vehicle with the same make, model,            and use, the Company shall repair the damaged Motor            b. For the damaged Motor Vehicle, insured against loss                 has the condition that "repair shall be within the agency",
                                                                                                                                           and damage at an Insurance Company with the                         this condition shall remain effective.
         additions and pre-accident condition unless the Third           Vehicle at suitable repair shops for the type and year
                                                                                                                                           condition of repair within the Agency the repair shall be
         Party/ Injured Party requests that the Company pay them         of manufacture of the vehicle and the damaged parts may
                                                                                                                                           carried out within the Agency's repair shops pursuant to        14. If the Injured Third Party requests that new parts are to be
         the amount in cash; in which case, the Company shall            be replaced by other than original parts of the same grade.
                                                                                                                                           this condition. The Insurance Company insuring the loss             installed in lieu of the parts damaged during the accident,
         accept the Insured’s request.                                   The Company shall ensure that repair works are carried
                                                                         out according to technical standards and that the work is         and damage has the right of recourse against the Third              they have to bear the Depreciation Percentage set in
                                                                         warranted by the repair shops. The Company shall ensure           Party Liability Insurance Company in accordance with                schedule (1) of the final value of the purchase invoice. In
     d. The Company shall pay in cash to the Injured Party, upon
                                                                                                                                           the following reimbursements basis:                                 case of taxi vehicles, public transport vehicles and rental
         their request, the amount of damages (loss or damage)           that the Injured Third Party is able to have the Motor
         of the damaged parts of the Motor Vehicle in whole any          Vehicle checked by any approved Motor Vehicle                                                                                         vehicles, the Depreciation Percentage set in Schedule (2)
                                                                         examination agency in the State to make sure that the           (1) The reimbursement for the Motor Vehicle that has passed           of the final value of the purchase invoice will be applied.
         of its parts, accessories or spare parts and including
                                                                         Motor Vehicle has been properly repaired in accordance              more than one year from its first registration or its use and
         the charges for installation and replacement of lost or
                                                                                                                                             until the end of the second year shall be after deduction    15. Neither depreciation may be deducted nor used parts be
         damaged parts at the time of the accident in order to           with the technical licensing conditions for endurance
                                                                                                                                             of 15% of the value of the final repair bill.
         restore the pre-accident condition of the Motor Vehicle.        and safety and any other condition without affecting the                                                                             installed if the parts are within the list set out in Schedule
                                                                         technical examination of the Motor Vehicle affected by                                                                               (4) of this Policy.
                                                                                                                                         (2) The reimbursement for the Motor Vehicle that has passed
     11. The damaged parts of the Motor Vehicle, for which               the accident at the concerned official authorities. If it is
         the first registration and use of which is less than one         found that the repairs are below required and recognized           more than two years from its first registration or its use    16. The Injured Third Party may repair the damages that occur
         year, shall be replaced with new original parts with            technical standards, the Company shall address the issue(s)        and until the end of the third year shall be after deduction     to the Motor Vehicle as a result of accident, provided
                                                                         until the Third Party’s Motor Vehicle is professionally            of 30% of the value of the final repair bill.                     that the estimated repair costs do not exceed the value
         no deduction of a Depreciation Percentage for the
         Injured Party.                                                  repaired as soon as practically possible.                       (3) In case more than three years have lapsed since the first        of repair agreed upon in writing with the Company. The
                                                                                                                                             registration or use of the Motor Vehicle, the Company shall     Company may require a proof that the Motor Vehicle
     12. If it is agreed with the Injured Third Party to repair the                                                                          abide by repairing the damaged vehicle at suitable repair       repairs have been completed.
         damaged Motor Vehicle, the Insurance Company shall                                                                                  shops for the type and year of manufacture of the vehicle.
         repair the damaged Motor Vehicle at the agency repair                                                                               The damaged parts shall be replaced with original parts of
         shops for the Motor Vehicle if it is in its first year of                                                                            the same standard, provided that, if the agreement between
         registration and use.                                                                                                               the Loss and Damage Insurance Company and the insured

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