Why choose GIG Home Insurance
Key Benefits of our Home insurance plan
Personal accident cover at 40% discount when purchased with Home Insurance
Financial protection in case of accidental injury, disability, or death.
Standard Premium: AED 330 + VAT
With Home: AED 200 + VAT
Which plan is right for me?
Only with GIG
- Property Insurance
- Contents Insurance
- Personal Belongings
- Legal Liability
| Coverage | Owner and Live in your Home |
|---|---|
| Unexpected events and natural calamities | |
| New for old | |
| Alternative accommodation | |
| Legal Liability | |
| Stolen keys | |
| Frozen food | |
| Visitors personal effects | |
| Contents in the open | |
| House hold items removal | |
| Accidental damage to contents | |
| Accidental damage to Building | |
| Personal belongings | Optional Add on |
| Domestic helpers | Optional Add on |
| Home assistance services | |
| Cyber security | Optional Add on |
| Personal accident Insurance | Optional Add on |
What is included in this plan?
- Property Insurance
- Legal Liability
| Coverage | Own But Rent it Out |
|---|---|
| Unexpected events and natural calamities | |
| Tenant's Liability | |
| Legal Liability | |
| Stolen keys | |
| Contents in the open | |
| Accidental damage to Building | |
| Home assistance services |
What is included in this plan?
- Contents Insurance
- Personal Belonging
- Legal Liability
| Coverage | Renting a Home |
|---|---|
| Unexpected events and natural calamities | |
| New for old | |
| Alternative accommodation | |
| Tenant's Liability | |
| Legal Liability | |
| Stolen keys | |
| Frozen food | |
| Visitors personal effects | |
| Contents in the open | |
| House hold items removal | |
| Accidental damage to contents | |
| Personal belongings | Optional Add on |
| Domestic helpers | Optional Add on |
| Home assistance services | |
| Cyber security | Optional Add on |
| Personal accident Insurance | Optional Add on |
| Coverage | Owner and Live in your Home |
|---|---|
| Unexpected events and natural calamities | |
| New for old | |
| Alternative accommodation | |
| Legal Liability | |
| Stolen keys | |
| Frozen food | |
| Visitors personal effects | |
| Contents in the open | |
| House hold items removal | |
| Accidental damage to contents | |
| Accidental damage to Building | |
| Personal belongings | Optional Add on |
| Domestic helpers | Optional Add on |
| Home assistance services | |
| Cyber security | Optional Add on |
| Personal accident Insurance | Optional Add on |
| Coverage | Own But Rent it Out |
|---|---|
| Unexpected events and natural calamities | |
| Tenant's Liability | |
| Legal Liability | |
| Stolen keys | |
| Contents in the open | |
| Accidental damage to Building | |
| Home assistance services |
| Coverage | Renting a Home |
|---|---|
| Unexpected events and natural calamities | |
| New for old | |
| Alternative accommodation | |
| Tenant's Liability | |
| Legal Liability | |
| Stolen keys | |
| Frozen food | |
| Visitors personal effects | |
| Contents in the open | |
| House hold items removal | |
| Accidental damage to contents | |
| Personal belongings | Optional Add on |
| Domestic helpers | Optional Add on |
| Home assistance services | |
| Cyber security | Optional Add on |
| Personal accident Insurance | Optional Add on |
| Benefits (in AED) | Comprehensive -Agency | Comprehensive -GIG Garage | Third Party |
|---|---|---|---|
| Loss or damage to the insured vehicle | No | ||
| Third party liability- Bodily injury | |||
| Third party property damage | 5 Million | 3.5 Million | 3.5 Million |
| Legal liability extended to include family members as Third Party | |||
| Storm, Floods, Riots and Strikes | No | ||
| Personal injury cover | 20,000 AED | 20,000 AED | No |
| Emergency medial expenses | 6,000 AED | 3,500 AED | No |
| Personal belongings | 4,000 AED | 4,000 AED | No |
| Oman Cover | Optional | ||
| Off road cover | No | ||
| Maximum agency repair period | 5 years | Optional up to 5 years | No |
| Guaranteed repairs | No | ||
| Back to invoice on total loss | 24 months from first registration | 6months from first registration | No |
| Waiver of excess windscreen damage | Below 5,000 AED | No | |
| Personal accident - driver | 350,000 AED | 200,000 AED | 200,000 AED |
| Personal accident - passengers | 200,000 AED | 200,000 AED | 200,000 AED |
| Personal accident - passengers | Up to 1,500 AED | Optional up to 7 days | No |
| 24 hour accident and breakdown recovery | No | ||
| 24 hour accident and breakdown recovery | - | - | No |
| Pickup & delivery (Claims Service) | |||
| Claims single point of contact | No | No |
What people say about us?
Frequently asked questions
What does GIG Gulf home insurance typically cover?
GIG Gulf's comprehensive home insurance, Home Comfort, protects your building against fire, forceable theft, and natural disasters and covers personal belongings. It also includes liability covers and options for domestic helper insurance. Read our terms and conditions to find out more.
What's the difference between buildings and contents insurance?
'Buildings insurance' covers the structure of your home (the walls, roof, and floors) and its fixtures, while 'contents insurance' protects the personal belongings and furniture inside the home. GIG Gulf offers both types of cover, allowing homeowners to secure the physical structure of their property and the items within.
Is home insurance mandatory in Dubai, Abu Dhabi or elsewhere in the UAE?
While home insurance isn't legally mandatory anywhere in the UAE, it's highly recommended. Many mortgage lenders do require a form of property insurance for the duration of the mortgage.
Does insurance cover damage caused by war?
In most cases, no. Standard insurance policies — including home, motor, travel, and business insurance — typically contain a “war exclusion clause.” This means losses caused directly or indirectly by war are not covered.
What does “war” mean in an insurance policy?
When insurance policies talk about “war,” they mean more than just a formally declared war between countries. It can include things like:
- Fighting between countries — even if war isn’t officially declared
- An invasion of one country by another
- Attacks by foreign forces
- Civil war within a country
- Rebellion or revolution
- Uprisings against the government
- Major civil unrest that turns into an organized uprising
- Situations where the military or another group takes control of the government
In simple terms, if damage is caused by large-scale armed conflict or a government being overthrown or challenged by force, it may fall under the “war” exclusion in your policy. If you require clarification regarding a specific circumstance, please contact us for further guidance.
Can I add coverage for terrorism, war, or missile attacks to my insurance policy?
Under our standard policy, losses caused by war or terrorism are excluded, and this type of coverage is not available as an add-on.
How is the cost of my home insurance premium determined?
The cost of Home Insurance premium will be determined depending on the sum insured.
Can I get coverage for high-value items?
Yes, GIG Gulf provides worldwide personal belongings cover, which can include high-value items. However, declaring these items when taking out your policy is crucial to ensure they are fully covered.
What is the 'Contents in the Open' cover?
This is a unique feature of GIG Gulf's policy, covering items typically found outside the confines of the home but within your private premises, such as garden furniture or outdoor equipment. Terms apply.
Are natural disasters covered in GIG Gulf's home insurance policies?
GIG Gulf's policies cover a range of events, including certain natural disasters. Specifics can vary, so it's essential to read your policy documents to understand the extent of coverage.
How do I make a home insurance claim with GIG Gulf?
You can initiate a claim by calling 800 292, visiting the GIG Gulf website.. Customer service representatives are available 24/7 to guide you through the process.
Does home insurance cover temporary accommodation costs?
Yes, if your home is rendered uninhabitable due to a covered event, GIG Gulf's policy includes the cost of alternative accommodation while your home undergoes essential repairs.
What is 'accidental damage' in terms of home insurance?
Accidental damage refers to unintentional one-off incidents that harm your property or its contents, such as spilling paint on a carpet or breaking a window.
Can I cancel my policy if I'm not satisfied?
We're sure you will be delighted with your policy, but if you want to cancel, you can. GIG Gulf allows policy cancellation with a 30-day notice, subject to an administration fee of AED 50. Any return of premium for the unexpired period of insurance is subject to the policy's terms and conditions.
Does home insurance cover mould?
Generally, mould damage caused by preventable water leakage, humidity, or poor ventilation is not covered.
Does home insurance cover foundation repair?
Foundation repairs are typically covered if a covered risk, such as an earthquake or an accidental water leak, causes the damage. However, age-related damages, general wear and tear, or neglected maintenance are not usually covered. It's advisable to check your policy details for the specifics of what's included.
Does home insurance cover AC units?
Home insurance policies often cover AC units in cases of damage from covered events like fire, vandalism, or theft. However, malfunctions or damages resulting from wear and tear or lack of maintenance might not be covered. For detailed information, consult your specific policy documents.
Does home insurance cover plumbing?
Generally, home insurance covers sudden and unforeseen plumbing issues, such as burst pipes. Routine maintenance, slow leaks, or issues arising from wear and tear are typically not covered. It's important to address minor plumbing issues before they become more significant problems that your insurance policy might not cover.
Is there a difference between home insurance in Dubai and Abu Dhabi?
Generally, the core principles of home insurance remain consistent whether you are in Dubai, Abu Dhabi, or any other emirate. However, the specifics of a policy, including costs, can vary due to factors like differences in property value, construction types, and local regulations. As GIG Gulf
Home documents
Download terms and conditions with product details.
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