Motor Insurance FAQ | Nasco Middle East Insurance Brokers Dubai, UAE- Protection for your personal cars and motor fleets.

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Motor Insurance

Motor Insurance Dubai, UAE - Nasco Middle East’s Motor Insurance provides personalized motor insurance for personal cars and motor fleets.

Motor Insurance Dubai, UAE

We have the expertise to offer personalized motor insurance solutions for your personal cars as well as motor fleets. The coverage includes Own Damage and Third Party Liability cover with the choice of the following extensions:

13 Months’ coverage Natural calamities High Third Party Liability limits up to AED 5 million Personal accident benefit up to AED 200,000 Coverage in Oman at no extra cost GCC cover option Rent-a-car option in the event of an accident Emergency medical expenses Loss of personal belongings cover Agency repairs – optional up to 5 years Nil excess on windscreen damages Protected no claim discount Off road cover 24 hour breakdown assistance etc.

In addition to the above, we also structure solutions for your vintage and high value cars. To know more about our services, please speak to one of our executives.

Why buy Motor Insurance?

Motor Insurance gives protection to the vehicle owner against (i) damages to his/her vehicle and (ii) Third Party Liability determined as per law against the owner of the vehicle. Third Party Insurance is a statutory requirement. The owner of the vehicle is legally liable for any injury or damage to third party life or property caused by or arising out of the use of the vehicle in a public place.

What does Motor Insurance cover?

Own Damage Section of Motor Insurance generally covers fire, explosion, self- ignition, lightning, burglary/break-in/theft, riot & strike, earthquake, flood, storm, cyclone, hurricane, tempest, inundation, frost, accidental external means, and malicious act.

What does Motor Insurance exclude?

The above policy generally does not pay in case: the driver does not have a valid driving license, he/she is driving the vehicle under the influence of intoxicating alcohol or drugs, the accident took place beyond geographical limits, the vehicle was being used for unlawful purposes, or electrical/mechanical breakdowns.

Please note that the above list is not exhaustive.

Is it mandatory to have Motor Insurance in the UAE?

Yes. It is mandatory to insure your motor vehicle for at least third party cover.

What are the types of Motor Insurance policies?

There are mainly two types of motor policy: Third Party Policy and Comprehensive Policy. Third Party Policy protects policy holders against losses arising due to third party bodily injury/death and property damage. This however does not cover passengers inside the vehicle who have to be insured separately.
Comprehensive Policies cover damages to vehicle apart from third party cover.