Preparing for a new school year means more than buying uniforms, stationery, and books. You're also planning school runs, paying tuition fees, managing after-school activities, and making sure your child has everything they need to succeed.
With the right insurance in place, you can spend less time worrying about the unexpected and more time focusing on what matters most: helping your child thrive and reach their greatest potential.
While health insurance is mandatory for students in the UAE, it may also be worth reviewing your home, car, and travel insurance to make sure your family is protected throughout the school year.
Why Insurance Matters During the School Year
As a parent, you already have a lot on your plate. The last thing you want is an unexpected setback that puts extra pressure on your time, finances, or family.
That's exactly why insurance deserves a place on your back-to-school checklist. You pay a premium to have someone else worry and cover any damage if and when anything happens.
Now is the perfect time to review your insurance priorities and policies to help you start the school year with confidence. We've put together the ultimate back-to-school insurance checklist for parents and guardians.
Health Insurance Checks Every Parent Should Make Before School Starts
When your child isn't feeling well, your focus should be on helping them feel better, not worrying about medical costs or finding the right care.
Take a moment to review your health insurance benefits and make sure your plan includes:
- 24/7 Teleconsultation for quick medical advice anytime
- Large network of hospitals and clinics to get support near your home or school
- Personal accident coverage for additional financial support if anything happens
- Coverage of pre-existing conditions to make sure your child is cared for no matter their medical history
- Access to https://www.giggulf.ae/en/mygig, your one-stop shop to manage your policy, submit a claim, and access your benefits and services wherever and whenever you need.
Discover our full Health Benefits
Car Insurance Tips for a Safer School Commute
If you're doing daily school drop-offs and pick-ups, your car becomes an essential part of your family's routine. Whether you're navigating busy school zones, after-school activities, or weekend sports events, it's worth checking that your car insurance gives you the support you need.
Look for benefits such as:
- 24/7 Roadside Assistance to resolve car accidents anywhere and anytime
- Family Protection for the driver and the passengers
- Personal Accident Coverage to protect anyone from injury if any incident happens
- Instant Orange Card through MyGIG Car so you're always ready for spontaneous weekend trips to Oman during the busy school term
- Useful Add-ons such as War Cover or Oman Cover
Discover our full car offer
Protect Your Home and Your Child's School Essentials
Imagine the amount of distress you will feel when your home or belongings are damaged or lost due to fire, heavy rain, theft, or natural disasters.
Not only can these situations be expensive, but they can also disrupt your child's daily routine when stability matters most. That's why it's important to review your home insurance and check whether it includes:
- 24/7 Emergency Home Assistance
- Alternative Accommodation for when your home is under repair
- Cyber Security Cover to protect you against fraud and cyber threats
- Natural Calamity Cover for water damage, electrical faults, and alternative accommodation
- Domestic Helper Insurance to protect the people helping care for your family
- Occupiers Liability Cover against accidents that may harm others or damage their property, whether at school, during sports activities, or elsewhere
Discover our home insurance plans
Travel Insurance for a Smooth Return to School
A new academic year often means returning home after a summer holiday and preparing for a fresh start. The journey back should be filled with excitement, not worries about delayed baggage, cancelled flights, or unexpected emergencies.
Before you travel back to the UAE, check whether your travel insurance includes:
- 24/7 Claims Assistance to quickly get support when anything goes wrong
- Trip Cancellation and Travel Delay Benefits
- Protection for Lost, Stolen, or Delayed Baggage
- Family Travel Insurance covering you and your family under one policy
- Emergency Evacuation and Repatriation if any unforeseen situation happens
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How to Choose the Right Insurance Coverage for Your Family
Choosing the right insurance doesn't have to be complicated. When comparing insurance options, it's important to:
- Check what's covered and what's not
- Review coverage limits and exclusions
- Consider your family's budget
- Compare available benefits and add-ons
- Review your policies annually as your circumstances may change
The best insurance coverage for your family is the one that gives you the right level of protection while being lighter on your wallet.
Back-to-School Offer: Enjoy a Reward with Your New Policy
Getting the right insurance for your family doesn't just give you peace of mind; it can also come with extra value.
When you purchase a new home, travel, health, or third-party car insurance policy online by 30 September, you'll enjoy a guaranteed 25% cashback.
If you buy comprehensive car insurance online, you'll unlock a GIG Gulf welcome gift. Choose one of the following:
- AED 100 Amazon Gift Card
- AED 100 Lulu Gift Card
- 2 Years Fixed Premium
- Up to 25% Cashback
Make sure to select one reward by 9 October, otherwise you'll automatically receive up to 25% GIG Rewards Cashback.
Plus, all customers who purchase car, travel, home, or health insurance get access to an exclusive Ride Skipper offer: one-way rides anywhere in Dubai after 7 PM for just AED 60.
It's our way of helping you start the school year with a little extra value while protecting the people who matter most.
Explore our Rewards Program
Frequently asked questions
Does car insurance cover war damage in the UAE?
No, not by default. Standard comprehensive Motor policies exclude damage from war, invasion, and civil unrest under General Exclusion 10. GIG Gulf's War Cover add-on reinstates this protection for 0.5% additional premium.
For a new quote with War cover - Click Here
To add war cover to your existing GIG car insurance policy - Click Here or Call Us
Why doesn't regular car insurance cover war damage?
War risk is priced differently from everyday driving risk. It's excluded across the entire UAE insurance industry so that standard premiums stay affordable for the risks most drivers actually face.
GIG offers 2 different cover add-on options with our comprehensive plans:
- Essential cover
- Full cover
For a new quote with War cover - Click Here
To add war cover to your existing GIG car insurance policy - Click Here or Call Us
Can I add War Cover if I already have a policy with GIG Gulf?
Yes. Call our UAE call centre with your policy number, and our team will confirm your price and activate it during the same call — no need to wait for renewal.
GIG offers 2 different cover add-on options with our comprehensive plans:
- Essential cover
- Full cover
How soon does War Cover protect my car after I buy it?
48 hours after purchase. This waiting period is standard for war-risk cover across the insurance industry.
For a new quote with War cover - Click Here
To add war cover to your existing GIG car insurance policy - Click Here or Call Us
Which cars can get war cover in the UAE?
War cover is available for private Saloon, Sedan, SUV, and 4WD vehicles insured under a comprehensive Motor policy — specifically Motor Prestige, Motor Perfect Plus, and Motor Perfect plans.
It's not available for taxis, commercial or public transport vehicles, rental cars, or government/embassy-owned vehicles.
*T&C apply.
For a new quote with War cover - Click Here
To add war cover to your existing GIG car insurance policy - Click Here or Call Us