With a Dedicated team of experienced and an Expert team at your service, we Identify the Best cover with Competitive prices under the Motor Insurance from different Insurance Companies.  

The Cover

Suitable for a Fleet of Motor vehicles which includes all classes of vehicles registered as Private Vehicles, Commercial Vehicles, Motor cycles.

Who Can Insure

Citizens and Residents of Oman who Own vehicles, Financiers or Lessee, Commercial establishments registered in Oman, who have insurable interest in a motor vehicle can insure.

The insurance covers terms and conditions as per the Unified Motor Vehicle Insurance Policy which is subject to the decision NO E/19/2016 dated 3rd February 2016

Comprehensive Insurance Coverage

This is an “All Risks” policy and the Insurer indemnifies the Insured as under:

Section 1 - Against Own Damage

The Insurer undertakes to indemnify the insured for loss of or damage sustained by the insured vehicle, its accessories and spare parts. This includes

• Accident or accidental collision or overturning consequent upon mechanical breakdown or consequent upon wear and tear.
• Fire, External explosion, Self ignition, Lightning or Thunderbolt.
• Storm, Tempest, Flood and cyclone.
• Burglary, or theft.
• Malicious act of any third party
• Personal Accident Benefit
• Vehicle towing services subject to limits of the policy
• Loss of life, Injury and Medical expenses arising out of a Road Traffic Accident.
• Damage to the property of Third party.
• Repair cost of vehicle damaged during accident Own Damage Vehicle and Third party Vehicle.

Section 2 - Against Third Party Liability (Compulsory)

It is mandatory for every vehicle to be covered under a Third Party Liability Insurance. The Insurer shall compensate the insured in the event of accident caused by or arising out of the use of the motor vehicle subject to the limits specified in this policy, against all sums which the insured shall become legally liable to pay as compensation for:

• Death or bodily injury to any person including the passengers in the vehicles except the Insured or the driver at the time of the accident and their families spouse, parents and children and the employees of the insured if they are injured during work hours or as a result of their work.
• Damages for materials and property, except those owned by the insured or the driver at the time of the accident or property held in trust or in their custody or control.
• Expenses for treatment of injuries sustained by Third Parties as a result of the accident.
• Cost and expenses of medical institutions as per the rules and limits stated in the policy schedule.
• Cost resulting from the accident for protecting and transporting the vehicle to the nearest repair workshop.
• Amounts ruled by the Court (including compensation, judicial expenses, legal fees).

What is not payable under the policy?

The following are some of the exclusions under the policy for which the Company is not liable to pay in the event of an accident:

• Contractual liability
• War perils, nuclear perils
• Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown.
• Damage suffered due to driving the vehicle under the influence of intoxicating liquor or drugs.
• Claims arising outside the geographical area specified in the policy.
• Claims arising whilst the vehicle is used in contravention of the limitations as to use.
• Claims arising when the vehicle is driven by a person without valid driving licence at the time of accident.
• Loss or damage due to overloading or carrying of passengers in excess of permitted seating capacity

SPECIAL ADDITIONAL COVERS to be purchased at additional cost.

• Agency repairs from date of first registration. (Optional)
• Tool of Trade extension (Optional)
• Automobile Liability extension (Optional)

DISCLAIMER

The above is a brief information of the covers available under the Policy. Please request for a copy of the Insurer's Terms and conditions of the policy which shall be binding and considered as final basis for settlement of any dispute.