to the most commonly asked questions from coverage to claims.
Is car insurance mandatory in the UAE?
Yes, car insurance is a legal requirement for all vehicles in the UAE. You cannot register your car without valid insurance coverage.
How is the car insurance premium calculated in the UAE?
Insurance premiums are calculated based on factors like the vehicle’s age, model, value, driver’s age and driving history, and the type of coverage selected.
What factors influence the price of car insurance in the UAE?
The cost of car insurance in the UAE is influenced by vehicle and driver-specific details. The age and condition of the vehicle play a pivotal role; older cars might be more expensive to insure due to potential issues, while newer, well-maintained vehicles often attract lower premiums. The driver's age is another significant factor, with younger and much older drivers typically facing higher rates due to statistical accident probabilities. A driver's record, both in terms of driving behaviour and claim history, can increase or decrease premiums. The vehicle's market value also matters; higher-value cars might attract higher insurance rates. Additionally, the type of insurance plan, its coverage, and the chosen deductible amount will effect the final premium.
Can I transfer my no-claims discount if I switch insurance provider to GIG Gulf?
Yes, the no-claims discount, or no-claims bonus, is transferable. You can obtain a certificate from your previous insurer and present it to the new provider to benefit from the discount.
What is the process to claim insurance in case of an accident in the UAE?
After ensuring everyone's safety, report the accident to the police. You will need the police report to process your claim. Contact us when you have the report or submit a claim using our online claim tool . Once the claim is submitted, you will receive an SMS providing the claim reference number and contact details of the workshop as per your policy coverage.
Does car insurance in the UAE cover damages in other GCC countries?
Some policies offer GCC-wide coverage as an optional add-on, while others might include it in their standard packages. Add these to your GIG Gulf Motor Prestige or Motor Perfect insurance policies while getting a quote.
How does the off-road coverage work?
Off-road coverage is designed to protect your vehicle during off-road adventures. GIG Gulf’s Motor Third Party does not cover off-roading, but Prestige and Perfect do.
What are the consequences of driving without valid car insurance in the UAE?
Driving without insurance is illegal and can result in hefty fines, black points on your driving license, vehicle impoundment, and difficulties obtaining future insurance coverage.
How do I renew my car insurance policy online?
You can renew your GIG Gulf car insurance online Here
How to book my car’s free pick-up and delivery service to the registration center?
You can book your service online through this link . The insured vehicle will be taken for inspection only once. If due to any reason, the vehicle needs to be taken more than once, and you will be charged an extra fee. It is your responsibility to make sure all the fines are paid in advance. Please note that the inspection cost will not be bared by GIG.
What are the documents required to book my free services?
Hire Car - documents required
- Copy of the Emirates ID
- Copy of the driving license
- Copy of the passport and visa
- Copy of credit card
Inspection service - documents required
- Copy of the Emirates ID
- Copy of the driving license
- Copy of the passport and visa
- Original old registration card
How can I arrange for a car service pickup and delivery service?
Benefit from this service when you need to pick your car up or drop it off at the workshop for a service. Service available to use once a year.
- This service is not valid for motor cycles, commercial vehicles, pickup trucks and vans.
- Booking must be within the same emirate.
- Service centre charges/excess charges to be borne by the customer and paid directly to the service centre.
When can I book any of the above services?
- Car Inspection service to be booked 48 hours prior to the required time.
- Airport pick up and Drop off to be booked 24 hours prior to the required time.
- Car service pick up and drop off to be booked 48 hours prior to the required time.
How can I book a Hire Car (replacement car) whilst my car is undergoing repair following an accident?
You can request your hire car (If your policy is eligible) through this link .
What is Third Party Car Insurance?
Third Party Car Insurance is a basic type of car insurance that covers damages and injuries caused by the insured vehicle to other people or property, but not to the insured vehicle itself.
Does Third Party Car Insurance cover damages to my own vehicle?
No, it only covers damages or injuries you cause to other parties. Damage to your vehicle would need comprehensive insurance.
How is the premium for Third Party Insurance calculated?
Premiums are determined by various factors, including the vehicle type, age, engine size, and the driver's age and driving history.
What happens if I'm found at fault in an accident?
Your Third Party Insurance will cover the damages and injuries to the other party involved in the accident. However, any damages to your vehicle will be your responsibility.
Can I upgrade my Third Party Insurance to Comprehensive Insurance later on?
Yes, you can upgrade anytime – contact GIG Gulf's customer service to discuss the process by calling our toll-free number, 800 292 .
How quickly can I get my Third Party Insurance policy after applying?
Once all necessary details are provided and the premium is paid, your policy can be issued online instantly or within a short time.
Does Third Party Insurance cover theft or fire?
No, Third Party Insurance is designed to cover liabilities to other parties. Theft or fire-related damages would require more comprehensive insurance.
Is car insurance mandatory in the UAE?
Yes, car insurance is a legal requirement for all vehicles in the UAE. You cannot register your car without valid insurance coverage.
How is the car insurance premium calculated in the UAE?
Insurance premiums are calculated based on factors like the vehicle’s age, model, value, driver’s age and driving history, and the type of coverage selected.
What factors influence the price of car insurance in the UAE?
The cost of car insurance in the UAE is influenced by vehicle and driver-specific details. The age and condition of the vehicle play a pivotal role; older cars might be more expensive to insure due to potential issues, while newer, well-maintained vehicles often attract lower premiums. The driver's age is another significant factor, with younger and much older drivers typically facing higher rates due to statistical accident probabilities. A driver's record, both in terms of driving behaviour and claim history, can increase or decrease premiums. The vehicle's market value also matters; higher-value cars might attract higher insurance rates. Additionally, the type of insurance plan, its coverage, and the chosen deductible amount will effect the final premium.
Can I transfer my no-claims discount if I switch insurance provider to GIG Gulf?
Yes, the no-claims discount, or no-claims bonus, is transferable. You can obtain a certificate from your previous insurer and present it to the new provider to benefit from the discount.
What is the process to claim insurance in case of an accident in the UAE?
After ensuring everyone's safety, report the accident to the police. You will need the police report to process your claim. Contact us when you have the report or submit a claim using our online claim tool . Once the claim is submitted, you will receive an SMS providing the claim reference number and contact details of the workshop as per your policy coverage.
Does car insurance in the UAE cover damages in other GCC countries?
Some policies offer GCC-wide coverage as an optional add-on, while others might include it in their standard packages. Add these to your GIG Gulf Motor Prestige or Motor Perfect insurance policies while getting a quote.
How does the off-road coverage work?
Off-road coverage is designed to protect your vehicle during off-road adventures. GIG Gulf’s Motor Third Party does not cover off-roading, but Prestige and Perfect do.
What are the consequences of driving without valid car insurance in the UAE?
Driving without insurance is illegal and can result in hefty fines, black points on your driving license, vehicle impoundment, and difficulties obtaining future insurance coverage.
How do I renew my car insurance policy online?
You can renew your GIG Gulf car insurance online Here
How to book my car’s free pick-up and delivery service to the registration center?
You can book your service online through this link . The insured vehicle will be taken for inspection only once. If due to any reason, the vehicle needs to be taken more than once, and you will be charged an extra fee. It is your responsibility to make sure all the fines are paid in advance. Please note that the inspection cost will not be bared by GIG.
What are the documents required to book my free services?
Hire Car - documents required
- Copy of the Emirates ID
- Copy of the driving license
- Copy of the passport and visa
- Copy of credit card
Inspection service - documents required
- Copy of the Emirates ID
- Copy of the driving license
- Copy of the passport and visa
- Original old registration card
How can I arrange for a car service pickup and delivery service?
Benefit from this service when you need to pick your car up or drop it off at the workshop for a service. Service available to use once a year.
- This service is not valid for motor cycles, commercial vehicles, pickup trucks and vans.
- Booking must be within the same emirate.
- Service centre charges/excess charges to be borne by the customer and paid directly to the service centre.
When can I book any of the above services?
- Car Inspection service to be booked 48 hours prior to the required time.
- Airport pick up and Drop off to be booked 24 hours prior to the required time.
- Car service pick up and drop off to be booked 48 hours prior to the required time.
How can I book a Hire Car (replacement car) whilst my car is undergoing repair following an accident?
You can request your hire car (If your policy is eligible) through this link .
What is Third Party Car Insurance?
Third Party Car Insurance is a basic type of car insurance that covers damages and injuries caused by the insured vehicle to other people or property, but not to the insured vehicle itself.
Does Third Party Car Insurance cover damages to my own vehicle?
No, it only covers damages or injuries you cause to other parties. Damage to your vehicle would need comprehensive insurance.
How is the premium for Third Party Insurance calculated?
Premiums are determined by various factors, including the vehicle type, age, engine size, and the driver's age and driving history.
What happens if I'm found at fault in an accident?
Your Third Party Insurance will cover the damages and injuries to the other party involved in the accident. However, any damages to your vehicle will be your responsibility.
Can I upgrade my Third Party Insurance to Comprehensive Insurance later on?
Yes, you can upgrade anytime – contact GIG Gulf's customer service to discuss the process by calling our toll-free number, 800 292 .
How quickly can I get my Third Party Insurance policy after applying?
Once all necessary details are provided and the premium is paid, your policy can be issued online instantly or within a short time.
Does Third Party Insurance cover theft or fire?
No, Third Party Insurance is designed to cover liabilities to other parties. Theft or fire-related damages would require more comprehensive insurance.