MOTOR INSURANCE POLICY BOOKLET - Everything you need to know - RSA UAE
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MOTOR INSURANCE POLICY BOOKLET
Everything you need to know
1
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
2 3
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.
4 5COMMONLY 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 7COMMONLY 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.
8 9FAQs 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.
10 11FAQs 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 13OUR 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 14 15
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 17HOW 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
18 19YOUR 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 21Section 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 23Section 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 25Section 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 27Section 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 29Section 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 31Section 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 $R
applicable penal code.
32 33Section 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 35Section 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 37Section 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 39Section 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 41Section 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.
42 43Section 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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