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Car Insurance

Policy
Handbook
Motor Beema
Policy Handbook
Motor Beema

Table of
contents
Welcome to AXA Insurance 1

Chapter 1 2
Unified Own Damage Wording

Chapter 2 14
Unified Third Party Wording

Chapter 3 28
AXA Automatic Extensions, Optional
Covers and General Exclusions

Chapter 4 36
AXA Claims Procedure, Complaints
Procedure and FAQ
Policy Handbook
Motor Beema

Welcome to the AXA Motor Beema


Comprehensive Insurance Motor Wording. 1 Unified Own Damage Wording
This booklet includes the Own damage & Third Party wordings. The Unified Motor Definitions the Company, and paid
The wording is broken down into four distinct chapters. Vehicle Insurance Policy The following terms and or has agreed to pay the
Against Loss and Damage phrases shall have the premium.
issued pursuant to the meanings indicated beside
Motor Vehicle Driver
1 2
Regulation of Unified each of them unless the
Is the Unified Own Damage Is the Unified Third Party Motor Vehicle Insurance context provides otherwise: (Licenced Driver):
Policy Wording issued by the Policy Wording issued by Policies according to The Insured or any person
Insurance Authority. This is the Insurance Authority. Insurance Authority Board Policy: who drives the Motor
the minimum level of cover This is the minimum level of of Directors’ Decision No. The Unified Motor Vehicle Vehicle by the permission
that can be offered for the cover that can be offered for (25) of 2016. Insurance Policy against or order of the Insured,
Own Damage portion of the Third Party portion of Loss and Damage and any provided that they are
your Motor Insurance Policy. your Motor Insurance Policy. Whereas the Insured has rider to it, which governs licenced to drive according
This Wording is mandated This Wording is mandated applied to AXA Insurance the relationship between to the Motor Vehicle
by the Insurance Authority by the Insurance Authority (Gulf) (hereinafter referred the Insured and the category pursuant to the
and cannot be reduced or and cannot be reduced or to as the “Company”) for Company, and whereby Traffic Laws and other laws
contested. contested. the insurance set herein the Company undertakes and regulations, and that
below and has agreed that to compensate the Insured, the granted licence has
the application is consid- on the occurrence of the not been cancelled by a

3 4
Contains the AXA Contains AXA’s claims, ered as the basis for and damage hereby covered, in court’s order or by virtue
enhancements to your complaints procedures and integral part of this Policy, return of the premium paid of the Traffic Laws and its
Policy Wording, divided frequently asked questions. and has paid or agreed to by the Insured. Executive Regulations. This
into Automatic Extensions, pay the applicable pre- definition includes the
Optional Covers and General mium, and the Company Company (Insurer) / We driver whose driving licence
Exclusions. The extensions has accepted and repre- / Us / Our / Ours: has expired if they manage
and optional covers build sented to pay compensa- Mean the insurance to renew it within 30 days
upon the compulsory tion to the Insured in case company named on the from the date of accident.
mandated portions from of any damage to the Motor Schedule and certificate
the Insurance Authority and Vehicle subject to this insur- of motor insurance; AXA Motor Vehicle:
ensure that you have the ance, whether it emerges Insurance (Gulf) B.S.C (c)/ A mechanical machine,
widest coverage for your from the use or parking of AXA. motorcycle or any other
Motor Vehicle. the Motor Vehicle in the UAE device that works through
during the insurance period, The insurance company that a mechanical force, with its
whether the Insured caused is licenced to operate inside specifications described in
the accident or was victim/ the Emirate according to the Policy.
claimant party the laws and regulations
issued in the Emirate and Insurance Application:
Therefore, this Policy was accepts to insure the Motor The application that
entered into to cover the Vehicle and has issued the includes the details of the
damages that befall the Policy. Insured, the details of the
Insured Motor Vehicle in the Motor Vehicle and the type
UAE during the insurance Insured: of required coverage, which
period according to the terms, The person that has applied is filled in by or with the
conditions and exclusions in for insurance, entered into knowledge of the Insured
or appended to this Policy. an insurance contract with electronically or in writing.

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Rider: Every road open and Period of Insurance: 2. Any notice or the other damages agreement that may
Every additional cover available to the public The period of time covered notification of an not provided for reduce the coverage
agreed between the parties without the need to get by this Policy, as shown accident that is in this Policy, in provided under this
in supplement to the basic special permission, and in the Schedule, and any required by this Policy particular: Policy or depriving
coverages under this Policy. every place that is made further period that We shall be served to the  a. Insurance against the Insured or the
available for the crossing of agree to insure You. Company in writing damages to Beneficiary of this
Premium: motor vehicles, and is made by e-mail, facsimile properties of the Policy from exercising
The money that is paid or available to the public by a Territorial Limits: or by hand delivery Insured or Motor the right to claim
undertaken to be paid by permission or licence from United Arab Emirates and to the address Vehicle Driver at for compensation
the Insured in return for a concerned authority or any other area stated in designated in the the time of the hereunder, including
insurance coverage. otherwise, for or without Your Policy Schedule. Policy as soon as accident or to depriving a claim for
consideration according to practically possible. properties kept compensation for any
Basic Deductible: the definition mentioned in Licenced Driver: with them in reason not related
The amount paid by the the applicable Traffic Laws. The insured or any person 3. Any external to the accident such
agreement between trust, or in their
Insured according to the driving with his permission guardianship as age, gender, or
Schedule of Deductibles Depreciation provided that the person the Insured and the otherwise, or the
Company that will or possession
attached to this Policy per Percentage: driving holds a valid driver’s under a rider to agreement will be
accident. The percentage payable by licence for the vehicle in reduce the coverage deemed void.
hereunder shall be this Policy or a
the victim/claimant party accordance with the Traffic separate policy.
Ancillary Deductible: on the occurrence of an Laws and Regulations and deemed void.  a. If the Insured
The amount paid by the accident, when they insist has not had his driver’s  b. Coverage of the Motor Vehicle is
4. In case of several a total loss, and
Insured according to the on new parts replacement licence withdrawn by order insurances with damages or risks
Policy in addition to the instead of the used parts of a court of law or traffic which occur the Company
more than one compensates
Basic Deductible. in case of partial loss regulations. insurance company, outside the roads.
according to the schedules the Insured on
the Company will 6. Notwithstanding the that basis, the
Natural Disaster: of depreciation. A. General Conditions only be committed to
Any general phenomenon terms and conditions salvage will be
1. The Policy and its compensate damages of this Policy, the
that arises from nature Accessories: deemed property
schedules shall in the percentage of Insurance Company
such as floods, tornados, Parts originally installed of the Company.
constitute one the amount insured may not refuse to
hurricanes, volcanoes, in the vehicle by the The Insured may
integral contract, with it to the total compensate the
earthquakes and tremor vehicle manufacturers and not be charged
and any Rider to this insured amounts Insured as a result of
that leads to extensive and included in the original any expenses
Policy shall constitute against the insured late notification of the
widespread damage, and in price such as radios, stereo related to the
an integral part hereof, risk. accident, if the delay
respect of which a decree equipment, telephones transfer of the
and every term or is attributed to an
is issued by the concerned and other items, the make 5. The Company and the Motor Vehicle
phrase to which a acceptable excuse.
authority in the country. and values of which are Insured may agree, title or issuance
special meaning has
specifically declared to the using riders in return 7. With respect to a fleet of a certificate of
been given in any part
Flood: Company and stated in the for an additional ownership of the
of the Policy or its insurance policy or
An overflow of a large Schedule. premium within the Motor Vehicle.
schedules shall have any Motor Vehicle
amount of water beyond the same meaning scope of the terms insured under this  b. Before receiving
its normal limits within the Family Member: elsewhere, unless the and conditions herein, Policy, the Company compensation,
concept of Natural Disasters. Any member of Your context otherwise that the Company may not enter the Insured shall
household who resides with requires. shall insure against
Road: into any external pay all amounts
You.

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due on the may be held liable  e. If loss or damage Company to pay that costs of repair
Motor Vehicle under this Policy B. Obligations of the occurs during them the amount exceed 50% of the
and submit and which may give Insurance Company land transport, in cash. In this case, Motor Vehicle value
evidence of no rise to the payment 1. The Company shall inland water the Company shall before the accident,
objection from of compensation compensate the transport, respond to the the insured value of
the concerned according to this Insured for loss or elevators or Insured’s request. the Motor Vehicle
authority(ies) Policy. The Company damage that occurs lifting machinery agreed upon between
to transfer title may settle or enter to the Insured Motor including loading 3. If the Insured the Insurer and the
of the salvage into a reconciliation and unloading requests that new Insured on signing
Vehicle and its original parts are to
to the Company. for such claim. The accessories while in processes of the Insurance
In case of Insured shall provide related to the be installed in lieu of Policy will be the
the vehicle, including the parts damaged
lienholders, if every possible damaged parts and aforementioned basis of calculation
any, they shall cooperation with the transport during the accident of the compensation
spare parts, in the or are to be paid for in
provide support, Company by signing following cases: processes; of loss and damage
paperwork, a power of attorney cash, the Insured will insured hereunder
power of or otherwise to  a. I f loss or damage  f. Any additional bear the Depreciation after deduction of
attorney, etc. and enable the Company arises from an coverage to be Percentage set the Depreciation
appear before to initiate any accidental run- agreed upon in Schedule (1) Percentage of 20%
the concerned proceedings. over, collision, under this Policy of the final value from the insured
departments, if turnover, or or special riders of the purchase value, and taking into
necessary for 9. For the purpose of incident, or as to it. invoice. In case of account the fraction
transfer of title verifying the details a result of an taxi vehicles, public of insurance period
of the Insured Motor 2. Upon the occurrence transport vehicles
of the Motor unexpected of an accident, the (i.e., the proportion
Vehicle to the Vehicle, all details in mechanical and rental vehicles, of the period from
Schedule (5) of this Company shall: the Insured will bear
Company. breakdown or as the commencement
Policy shall be an a result of wear  a. Repair the Motor the Depreciation date of the insurance
8. The Company integral part hereof. and tear of parts Vehicle or any of its Percentage set in period to the date
may, at its expense, by use; parts, accessories, Schedule (2). of the accident to
assume the judicial 10. No lawsuit arising or spare parts and
from this Policy may the total insurance
and settlement  b. If loss or damage restore the vehicle 4. The Insured may period).
proceedings to be filed after the arises from an to its pre-accident assume the repair of
represent the Insured elapse of three years external fire condition; damages that occur to 6. If the Motor
or the Motor Vehicle after the occurrence or explosion, the Motor Vehicle as Vehicle becomes
 b. Pay the amount of
Driver through an which has given rise spontaneous a result of an insured unroadworthy due
loss or damage in
attorney in any to the lawsuit or combustion or accident hereunder, to loss or damage
cash to the Insured
investigation or the related parties lightning; provided that the insured hereunder,
if this is agreed on
interrogation and become aware of its estimated repair costs the Company will
 c. I f loss or damage with the Insured;
before any court occurrence. do not exceed the bear the necessary
arises from  c. Replace the value of repair agreed
in any lawsuit or 11. The courts of the costs of safeguarding
robbery or theft; damaged Motor upon in writing with
intervention in any United Arab Emirates and transporting the
Vehicle in case the Company.
phase of the lawsuit shall be competent  d. If loss or damage Motor Vehicle to the
of a total loss,
in relation to a to determine any arises from a 5. If the Insured Motor nearest repair shop,
unless the Insured
claim or accident for disputes arising from third party wilful Vehicle is lost, proves in order to deliver it
requests the
which the Company this Policy. act; to be irreparable, or to the Insured after

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repair. repaired and maintain the same written consent of the 6. The Insurer may of the amount of
delivered to the in a good working Company. charge the Insured compensation of
7. If the damaged Insured. condition. In case that has caused sports cars and
Motor Vehicle is 4. In case of any accident
of any accident or the accident with a modified vehicles.
repaired with repair 8. In case of any which may give rise to
breakdown of the deductible amount
shops approved by conflict between the a claim according to  d. Maximum 20%
Motor Vehicle, the to be deducted from
the Company, the Company and the the provisions of this of the amount of
Insured may not the due amount of
Company shall insure Insured concerning Policy, the Insured compensation of
leave the Insured compensation due
that the Motor Vehicle the value of damages shall immediately vehicles modified
Motor Vehicle or any with respect to any
is repaired properly, or the amount of notify the concerned outside the factory.
part thereof without accident which is
carefully and compensation, the official authorities,
taking necessary caused by them  e. Maximum 20%
professionally by a Company will appoint and shall promptly
precautions personally or by the of the amount of
garage suitable for the an Authority-licenced notify the Insurer
to prevent the person authorized compensation of
type, make and year and registered and furnish all
aggravation of by them to drive the rental vehicles.
of car, and that the Surveyor and information related to
damages. If the Motor Vehicle or cases
work is warranted by Loss Adjuster to the accident without
Insured Motor Vehicle that are deemed 8. For application of
the repair shops. The determine the value unjustifiable delay.
is driven before committed by an paragraph (7) of this
Company shall ensure of these damages The Insured shall
making necessary unknown person, Chapter, application
that the Insured is or the amount of furnish the Insurer as
repairs by the Insured according to Schedule of Deductible
enabled to have the compensations at the soon as possible for
or the Motor Vehicle (3). Percentages shall
Motor Vehicle checked Company’s expense. If every claim, notice or
Driver, every increase apply the highest
by any approved the expert’s opinion judicial papers once 7. In addition to the
of damage or every percentage in the case
motor vehicle is disapproved, either they receive them. deductible amounts
damage to the of several deductibles
examination agency party may request the set in Schedule (3),
Insured Motor Vehicle 5. The Company shall for one accident.
in the UAE to make Authority to appoint the Insured may
arising from the be notified as soon as
sure that the Motor an expert licenced by charge the Insured D. EXCLUSIONS
same will not be the practically possible
Vehicle has been it at the expense of who caused an
responsibility of the once they become The Company will not pay
properly repaired that party, and that accident an additional
Company pursuant to aware of any lawsuit, any compensation for the
without affecting the the expert’s charges deductible as follows:
this Policy. investigation or following issues:
technical examination will be eventually detections concerning  a . Maximum 10%
of the damaged borne by the party for 3. The Insured shall the accident. In case of the amount of 9. Indirect losses that
Motor Vehicle at the whom the report was remain the sole owner compensation if occur to the Insured
of theft or any other
concerned official not in their favour. of the Insured Motor the Motor Vehicle or devaluation of
criminal act which
authorities. If it is Vehicle throughout Driver is below the the Motor Vehicle
C. Obligations of may give rise to a
found that the repairs the Insurance Period, age of 25 years. as a result of its
the Insured claim according to this
are below required and may not lease use, breakdown,
Policy, the Insured  b. Maximum 10%
and recognised 1. To pay the Agreed the vehicle to any defect or breakage
shall notify the police of the amount of
technical standards, upon Premium. third party or sign of the mechanical or
and the Company compensation in
the Company 2. All reasonable any contract which electrical devices.
promptly and as soon case of taxi and
shall address the precautions must be may restrict their
as practically possible public transport 10. The damage arising
issue(s) with the taken to keep and absolute ownership
and cooperate with vehicles. as a result of overload
repair shop until protect the Insured and possession of
the Company in this or excess of the limits
the Motor Vehicle Motor Vehicle from the Motor Vehicle
respect.  c. Maximum 15% of permissible width,
is professionally loss or damage and without the prior

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length or height or the in a speed race or test, undermine the driver’s indirectly related to any and non-disclosure part thereof, arose
excess of the number provided that this ability to control of the foregoing causes. of material facts that from the Insured
of passengers beyond is proved to be the the Motor Vehicle if affect the acceptance or another person
the licensed number, proximate cause of the this is proven to the 19. Loss or damage that by the Company to driving under the
provided that it is accident. competent authorities occurs to the Insured cover the risks or influence of narcotics,
proved that this is the or confessed by the Motor Vehicle if the insurance rate. alcohol or drugs that
proximate cause of 14. The damage to the Motor Vehicle Driver. Company loses the undermine the driver’s
damage. Motor Vehicle from This exclusion does not right of subrogation 2. If following payment ability to control
the accidents which apply in case of rental to the damage causer of compensation, it the Motor Vehicle, if
11. The damage of tyres if occur during the vehicles. due to the Insured’s is proven that the this is proven to the
it does not occur at the Motor Vehicle being declaration of being Motor Vehicle was concerned authorities
same time as damage operated by a driver 16. Loss or damage that responsible for the used for purposes or confessed by the
to the Insured Motor who is not licenced to occurs to the Motor accident, which they other than those set Motor Vehicle Driver. In
Vehicle. drive according to the Vehicle outside the have not caused. If this out in the Insurance case of rental vehicles,
Traffic Laws or without geographical territory is proven after payment Application attached recourse will be against
12. The loss or damage obtaining a driving set out in this Policy, of compensation to the to this Policy, or the
which occurs to the the Motor Vehicle Driver
licence for the kind / unless a rider is issued Insured, the Company maximum number (renter).
Motor Vehicle with category of the Motor to extend coverage to may have recourse of passengers was
respect to accidents Vehicle according to this territory. to it for recovery of exceeded, or the Motor 5. If the accident is proven
resulting from: the Traffic Laws and amounts paid to them. Vehicle was overloaded, to have occurred
Regulations and the 17. The accidents that or its loading was not intentionally by the
 a. Use of the have occurred, caused, 20. Loss or damage that
Motor Vehicle provisions of this Policy, secured correctly or Insured or the Motor
or the driver holding resulted or are related occurs to the Motor exceeds the limits of Vehicle Driver.
for purposes directly or indirectly to Vehicle off the road, as
other than those an expired Driver’s permissible width,
Licence who fails to natural disasters such defined, unless a rider length or height, 6. If the trailer, half-trailer
mentioned in as floods, tornados, is issued extending or semi-trailer causes
the Insurance renew it within thirty provided that this
days from the date of hurricanes, volcanoes, coverage to drive is proven to be the an accident, and the
Application earthquakes and outside the road. Insured has not agreed
attached to this the accident, or the proximate cause of the
licence granted to them quakes. accident. with the Company on
Policy. E. Recourses/recovery the existence of such a
has been suspended by 18. Invasion, foreign enemy from the insured
 b. Violation of laws the court or competent 3. If following payment trailer.
hostilities or warlike The Company may of the compensation
if the violation authorities or operations, whether 7. If loss or damage that
implies an according to the Traffic have recourse to the it is proven that there
war is declared or Insured or the Motor is a violation of the occurs to the Motor
intentional felony Regulations. not, civil war, strike, Vehicle is a result
or misdemeanour Vehicle Driver or law, if the violation
15. Loss or damage that civil commotion, both, as the case may involves a wilful felony of theft or robbery,
according to insurrection, revolution, recourse will be against
the definition occurs to the Motor be, in the amount of or misdemeanour, as
Vehicle, or any part coup d’état, usurped compensation paid in defined in the UAE’s the thief.
mentioned in the power, confiscation,
applicable Federal thereof, with respect the following cases: applicable Penal Code. F. Policy Termination/
to accidents while nationalisation,
Penal Code. radioactive substances 1. If it is proven that 4. If it is proven that Cancellation
the Motor Vehicle is
13. If it is proven that the being driven under the and radioisotopes, the insurance was loss or damage 1. The Company may
Motor Vehicle has influence of narcotics, atomic or nuclear concluded based that occurred to the terminate this Policy on
been used or utilised alcohol or drugs that explosions, or any upon the Insured’s Motor Vehicle, or any the condition that there
factor directly or misrepresentation are serious grounds

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Schedule No. (2)


Depreciation Percentages for Taxi Vehicles, Public Transport Vehicles and Rental
Vehicles According to the Date of First Registration and Use
for termination during 2. The Insured may this Policy during the YEAR PERCENTAGE
the Policy Period by a terminate this Policy by period of time the Policy
notice in writing to be a notice in writing to be is valid, if the Insured First 10%
sent to the Insured via sent to the Company via has caused the accident Second 20%
e-mail, facsimile, hand e-mail, facsimile, hand or in cases that are Third 25%
delivery or registered delivery or registered deemed committed by
letter thirty days prior letter seven days prior unknown persons. Fourth 30%
to the fixed date of to the fixed date of Fifth 35%
termination to the latest termination. In this 3. This Policy shall be
considered terminated Sixth and above 40%
address of the Insured case, the Company shall
known by the Company. refund to the Insured in case of a total loss
The Insurance Authority the paid premium after to the Motor Vehicle, Schedule No. (3) Deductibles
shall be advised of deducting a portion in provided that its
registration is deleted MOTOR VEHICLE DEDUCTIBLE
the grounds of such proportion to the period
termination. In this during which the Policy with a report issued by Private vehicles where the permissible number of passengers of Maximum AED
case, the Company shall has remained in effect the Road and Traffic which does not exceed (nine) passengers and its value does not 350/per each
refund to the Insured subject to the Short Department confirming exceed AED 50,000 accident
the paid premium after Rate Schedule No. (4), that it is unroadworthy, Private vehicles where the permissible number of passengers of Maximum AED
deducting a portion in provided that there is no and the Company which does not exceed (nine) passengers and value of which exceeds 700/per each
proportion to the period compensation paid to shall compensate the AED 50,000 and not exceeding AED 100,000 accident
during which the Policy the Insured or pending Insured according to
Private vehicles where the permissible number of passengers of Maximum AED
has remained in effect. claims in relation to the provisions of this
which does not exceed (nine) passengers and value of which exceeds 1,000/per each
Policy.
AED 100,000 and not exceeding AED 250,000 accident
Private vehicles where the permissible number of passengers of Maximum AED
Schedule No. (1) which does not exceed (nine) passengers and value of which exceeds 1,200/per each
Depreciation Percentages, Except for Taxi Vehicles, Public Transport Vehicles and AED 250,000 accident
Rental Vehicles, According to the Date of First Registration and Use Private vehicles where the permissible number of passengers of Maximum AED
YEAR PERCENTAGE which does not exceed (nine) passengers and value of which exceeds 1,400/per each
First - AED 500,000 accident
Second 5% Private vehicles where the permissible number of passengers of Maximum AED
which exceeds (nine) passengers does not exceed (12) passengers 1,500/per each
Third 10% accident
Fourth 15% Private vehicles the permissible number of passengers of which Maximum AED
Fifth 20% exceeds (12) passengers, rental vehicles, and trucks where the 1,700/per each
tonnage of which exceeds (three) tons accident
Sixth and above 30%
Trucks where the tonnage of which exceeds (three) tons and Maximum AED
passenger buses and industrial vehicles for construction and 4,500/per each
agricultural works accident

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2 Unified Third Party Policy


Schedule No. (4)
The Unified Motor Vehicle for the amounts the Insured the Emirate according to
Short Rate Schedule - Percentages of Recoverable Premium Insurance Policy against or the Motor Vehicle Driver the laws and regulations
RECOVERABLE Third Party Liability must pay against: issued in the Emirate and
POLICY VALIDITY PERIOD
PREMIUM issued pursuant to the ƒƒ Any Bodily Injury to a accepts to insure the Motor
A period not exceeding one month 80% Regulation of Unifying Third Party, either inside Vehicle and has issued the
Motor Vehicle Insurance or outside the Motor Policy.
A period exceeding one month and not exceeding four months 70%
Policies according to Vehicle.
A period exceeding four months and not exceeding six months 50% Insurance Authority Board Insured:
ƒƒ Property Damages to a The person that has applied
A period exceeding six months and not exceeding ten months 30% of Directors’ Decision No.
Third Party. for insurance, entered into
(25) of 2016.
A period exceeding ten months Nil an insurance contract with
Whereas the Insured has Definitions the Company, and paid
applied to AXA Insurance The following terms and or has agreed to pay the
(Gulf) (hereinafter referred phrases shall have the premium.
to as the “Company”) for meanings indicated beside
the insurance set herein Motor Vehicle Driver:
each of them unless the The Insured or any person
below, and has agreed context provided otherwise:
that the application is who drives the Motor
considered as the basis Policy: Vehicle by the permission
for and integral part of The Unified Motor Vehicle or order of the Insured,
this Policy, and has paid Insurance Policy Against provided that they are
or agreed to pay the Third Party Liability licenced to drive according
applicable premium, and whereby the Company to the Motor Vehicle
the Company has accepted undertakes to compensate category pursuant to the
and represented to pay the victim/claimant third Traffic Laws and other laws
compensation to a Third party, on the occurrence of and regulations, and that
Party/Victim/claimant Party the damage hereby covered, the granted licence has
in case of any accident and any endorsement not been cancelled by a
subject to this insurance, to it, which governs the court’s order or by virtue
whether it emerges from relationship between of the Traffic Laws and its
the use or parking of the the parties, in return of Executive Regulations. This
Motor Vehicle in the UAE the premium paid by the definition includes the
during the insurance period. Insured. driver whose driving licence
has expired if they manage
Therefore, this Policy Company (Insurer) / We / to renew it within 30 days
was entered into to cover Us / Our / Ours: from the date of accident.
liability towards a Third Mean the insurance company
Third Party:
Party/victim/claimant Party named on the Schedule 1. Any person, or their
caused by the Insured and certificate of motor
insurance; AXA Insurance properties, which have
Motor Vehicle to the Third suffered an injury or
Party/victim/claimant Party (Gulf)B.S.C (c)/AXA. damage as a result of
according to the terms, The insurance company that the accident, excluding
conditions and exclusions in is licenced to operate inside the Insured, the Motor
or appended to this Policy Vehicle Driver and

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passengers employed movement, spontaneous such as floods, tornados, Depreciation Percentage: further period that We may submit a claim
by the Insured if they movement or parking of the hurricanes, volcanoes, The percentage payable by agree to insure You. to the Company for
are victim/claimant Motor Vehicle. earthquakes and quakes, the victim/claimant party compensation for
during and because of that leads to extensive and on the occurrence of an Territorial Limits: damages caused to
work. This including Bodily Injury: widespread damage, and in accident, when they insist United Arab Emirates and them by the Insured
but not limited to Death and/or physical respect of which a decree on new parts replacement any other area stated in Motor Vehicle.
injuries to a Third Party, is issued by the concerned instead of the used parts Your Policy Schedule.
2. The family members including permanent authority in the Emirate. in case of partial loss 5.  a. I n case of death
of the Insured and the disability or temporary total according to the schedules of a family
Motor Vehicle Driver or partial disability. Rider:
A. General Conditions
of depreciation. member of the
(spouse, parents and Any additional cover 1. The Policy and its Insured or the
children) who caused Property Damage: between the parties in Accessories: schedules shall Motor Vehicle
the accident. Damage to a Third Party’s supplement to the basic Parts originally installed in constitute one Driver, the
property. coverage under this Policy. the vehicle by the vehicle integral contract, Company’s
3. The driver of a Motor manufacturers and included and any Rider to liability will
Vehicle allocated Motor Vehicle: Personal Accidents this Policy shall
A mechanical machine, in the original price such as be limited to
for rent, public Endorsement: radios, stereo equipment, constitute an integral an amount of
transportation or a motorcycle or any other An additional insurance part hereof, and
device that works through coverage against personal telephones and other AED 200,000
vehicle used to teach items, the make and values every term or phrase (Two Hundred
driving. a mechanical force, with its accidents to the Motor to which a special
specifications described in Vehicle Driver, the Insured of which are specifically Thousand
declared to the Company meaning has been Emirati Dirhams)
Insurance Application: the Policy. and the passengers. given in any part
The application that and stated in the Schedule. per person. In
Trailer: of the Policy or its case of injury,
includes the details of the Third Party Liability: Family Member: schedules shall
Insured, the details of the A vehicle designed to The liability for injuries and the Insurer’s
Any member of Your have the same liability will be
Motor Vehicle and the type be pulled behind a damages arising from the household who resides meaning elsewhere,
of required coverage, which Motor Vehicle, truck or use of the Insured Motor further limited to
towing vehicle, including with You. unless the context the percentage
is filled in by or with the Vehicle to a Third Party/ otherwise requires.
knowledge of the Insured lightweight trailer (camper victim/claimant Party. Licenced Driver: of disability per
electronically or in writing. trailer), the weight of which The insured or any person 2. This Policy does not person.
does not exceed 750kg and Road: driving with his permission apply outside the
Premium: it so licensed according to Every road open and  b. In case of death
provided that the person Emirate. of the driver of
The consideration that the applicable Traffic Laws. available to public without driving holds a valid driver’s
is paid or undertaken to the need to get special 3. The Company may not a rental vehicle,
Semi-Trailer: licence for the vehicle in public transport
be paid by the Insured permission, and every accordance with the Traffic assert to the victim/
in return for insurance A trailer without a front place that is made available claimant Third Party vehicle and a
axle and is towed in such Laws and Regulations and vehicle used to
coverage for the crossing of motor has not had his driver’s that it is not liable
a way that a large part of vehicles, and is made for compensation teach driving,
Accident: its weight and tonnage licence withdrawn by order the Company’s
available to the public by a of a court of law or traffic as a result of any
Any incident that causes is carried by the towing permission or licence from argument that can liability will
harm to a Third Party/ vehicle or the mechanical regulations. be limited to
a concerned authority or be used against the
victim/claimant Party as vehicle (locomotive). otherwise, for or without Insured. an amount of
a result of use, explosion, Period of Insurance: AED 200,000
Natural Disaster: consideration according to The period of time covered
combustion, scattering, the definition mentioned in 4. The Third Party/ (Two Hundred
drop of things from, Any general phenomenon by this Policy, as shown Thousand
the applicable Traffic Laws. victim/claimant Party
that arises from nature in the schedule, and any

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Emirati Dirhams) of the Company before any court  a. Compensation accessories Party/victim/
per person. In or reduce in any lawsuit or shall be divided or spare parts claimant Party
case of injury, the coverage intervention in any equally between and restore the requests that
the Insurer’s contemplated phase of the lawsuit Insurers in case Motor Vehicle to the Company
liability will be under this in relation to a of death and/ its pre-accident pay them the
further limited to Policy, including claim or accident for or injuries. If condition. amount in cash;
the percentage depriving a claim which the Company the liability is in which case,
of disability per for compensation may be held liable shared (between  b. Pay the the Company
person. for any reason under this Policy, the Insured and market value of shall accept the
not related to the and which may give the Third Party/ the damaged Insured’s request.
6. Any notice or accident such rise to the payment victim/claimant Motor Vehicle
notification of an as age, gender, of compensation Party) based on if the value of
accident that is damages exceeds  d. The Company
or the date of according to this the degree of
required by this Policy (50%) of the shall pay in
acquiring the Policy. The Company negligence, then
shall be served to the market value of cash to the
driving licence, or may settle or enter the percentage
Company in writing by the Motor Vehicle victim/claimant
otherwise, or the into a reconciliation of participation
e-mail, facsimile or by at the time of Party, upon
agreement will for such claim. The in the negligence
hand delivery to the the accident, their request,
be deemed void. Insured shall provide shall be taken
address designated in provided that the amount of
every possible into account.
the Policy as soon as  b. However, new the Company’s damages (loss or
cooperation with the
practically possible. coverage not  b. Compensation liability does damage) of the
Company by signing
provided for in for property not exceed damaged parts
7.  a. With respect to a power of attorney
the Policy may damages shall be an amount of of the Motor
a fleet insurance or otherwise to the
be agreed upon divided based on AED 2,000,000 Vehicle in whole
policy or any Company to initiate
or the limits of the percentage per accident or any of its parts,
Motor Vehicle any proceedings.
such liabilities of the insured according to accessories
insured under and coverages 9. Without prejudice to amount set out Paragraph (c) or spare parts
this Policy, the may be increased the rights emerging in each policy of Clause (1) of and including
Company may under a separate from Life insurance to total insured Chapter Two: the charges for
not enter into policy or an policies and personal amounts in all Obligations of installation and
any agreement additional rider. accident insurance policies, after the Insurance replacement of
that may reduce policies, and in case the percentage Company. lost or damaged
or prevent the 8. The Company of the existence of of participation parts at the time
coverage of its may, at its expense, several compulsory in the negligence  c. Replace the of the accident in
full Third Party assume the judicial policies against is taken into damaged Motor order to restore
Liability arising and settlement Third Party Liability account. Vehicle in case the pre-accident
from death, proceedings to emerging from the of total loss, for condition of the
bodily injuries represent the Insured use of the Motor 10. On the occurrence another Motor Motor Vehicle.
or property or the Motor Vehicle Vehicle issued by of an accident, the Vehicle with
damages covered Driver through an more than one Company shall: the same make, 11. The damaged parts
under this Policy attorney in any model, additions of the Motor Vehicle,
Company:  a. Repair the
or reduce the investigation or and pre-accident for which the first
limits of liability interrogation and damaged Motor condition registration and
Vehicle or any unless the Third use of which is less
of its parts,

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than one year, shall car checked by any 15. Neither depreciation loss, and the Company the value of the Insured as a result
be replaced with approved motor may be deducted compensates the the damages or of late notification
new original parts vehicle test and nor used parts be victim/claimant Third the amount of of the accident, if
with no deduction licensing agency in installed if the parts Party on that basis, compensation at lateness is attributed
of a Depreciation the state to make are within the list set the salvage will be the Company’s to an acceptable
Percentage for the sure that the motor out in Schedule (4) of deemed property of expense. excuse.
victim/claimant Party. vehicle has been this Policy. the Company. The
properly repaired and victim/claimant Third  b. If the expert’s 22. The provisions of
12. If it is agreed with it passes any road- 16. The victim/claimant Party may not be opinion is this Policy cover the
the victim/claimant worthy test. If it is Third Party may charged any expenses not accepted, damages to a Third
Third Party to repair found that the repairs repair the damages related to the transfer either party Party caused by a
the damaged Motor are below required that occur to the of the Motor Vehicle may request trailer or semi-trailer
Vehicle, the Insurance and recognized Motor Vehicle as a title or issuance the Authority as long as it is pulled
Company shall repair technical standards, result of the accident, the of a certificate to appoint an by the vehicle.
the damaged Motor the Company shall provided that the of ownership of expert licenced
Vehicle at the agency estimated repair costs by it at the 23. Neither this Policy
address the issue(s) the Motor Vehicle, nor any rider hereto
repair shops for the until the Third do not exceed the provided that the expense of that
Motor Vehicle if it value of repair agreed party, and that undermines the right
Party’s motor vehicle Motor Vehicle is free of any person to claim
is in its first year of is professionally upon in writing with of any obligations the expert’s
registration and use. the Company. The charges will for compensation
repaired as soon as against Third Party or recovery of any
practically possible. Company may require such as traffic fines or eventually be
13. Upon the lapse of a proof that the Motor borne by the amount payable
more than one year otherwise. under the provisions
14. If the victim/claimant Vehicle repairs have party for whom
after registration and Third Party requests been completed. 19.  a.  In case of any the report was of any applicable
use, the Company that new parts are to conflict between not in their legislation.
shall repair the be installed in lieu of 17. If durable and hard to the Company favour.
damaged Motor the parts damaged replace parts of the and the victim/ B. Obligations of the
Vehicle at a suitable during the accident, Motor Vehicle such claimant Third 20. In case of an Insurance Company
repair shop and they have to bear as the chassis are Party concerning agreement to insure 1. In case of any accident
the damaged parts the Depreciation damaged and need the value of the Insured himself, that results from
may be replaced Percentage set cutting, tightening damages or the Motor Vehicle the use of the Motor
by original parts of in Schedule (1) or welding as a result the amount of Driver or any person Vehicle, the Company
the same grade. The of the final value of the accident, the compensation or excluded from the shall compensate the
Company shall ensure of the purchase Motor Vehicle may determination of coverage under this Victim/claimant Third
that repair works are invoice. In case of be considered a the market value Policy, the amount Party within the scope
carried out according taxi vehicles, public total loss and the of the damaged of the death benefit of its limits hereunder
to technical standards transport vehicles Company shall Motor Vehicle, will be determined for all amounts which
and that the repairs and rental vehicles, pay compensation an Authority- not less than AED the Insured or the
are guaranteed by the Depreciation according to the licenced and 200,000 (Two Motor Vehicle Driver is
the repair shop. The Percentage set in market value of the registered Hundred Thousand committed to pay as
Company shall ensure Schedule (2) of the Motor Vehicle at the Surveyor and Emirati Dirhams) at a compensation for:
that the victim/ final value of the time of the accident. loss adjuster will minimum.
claimant Third Party purchase invoice will 18. If the Motor Vehicle be appointed  a. Death or any
is able to have the 21. The Company may not bodily injury
be applied. is considered as total to determine refuse to compensate

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caused to any by the percentage total claims arising by the Company per the charges 5. The insurance
person, including of disability to from one accident against Third Party for a similar provided for under
the Motor Vehicle the amount of is AED 2,000,000 Liability. Motor Vehicle of this Chapter shall be
Passengers, except AED 200,000 (Two (Two Million the same make, extended, subject
for the Insured Hundred Thousand Emirati Dirhams)  e. The Victim/ not exceeding to the terms and
and the Driver of Arab Emirates regardless of the claimant Third AED 300 (Three conditions hereof, to
the Motor Vehicle Dirhams). number of the Party (the owner Hundred Emirati the liability of every
that has caused persons whose of a private Dirhams) per day. licenced driver while
the accident, and  b. Subject to properties are motor vehicle) is The Maximum they are driving the
the passengers paragraph (a) damaged, inclusive entitled to a loss of period for loss of Insured Motor Vehicle.
employed by the above, the liability of necessary costs benefit allowance use allowance is
Insured if they are of the Insurance of movement (substitute motor ten days, and the C. Obligations of
victim/claimant Company shall of the damaged vehicle) as follows: Company may the Insured
during and because be the value Motor Vehicle to provide a similar
judicially awarded First: If the Victim/ 1. In case of any
of work. A person the agency shop or claimant Third alternative Motor accident that gives
is considered a of any amount other repair shops Vehicle for the
whatsoever, Party chooses cash rise to a claim
passenger if they according to this compensation, no same period in according to the
are inside, getting including the Third Policy, as the case good working
Party’s judicial benefit allowance provisions of this
in or out of the may be. shall be paid. condition for road Policy, the Insured
Motor Vehicle. The expenses and traffic.
charges, except  d. The Company shall or the Motor Vehicle
Maximum Liability Second: If the 2. The Company may not Driver shall notify
of the Company for fines. The pay an amount damaged Motor
Company shall of AED 6,770 (Six apply any deductible the concerned
for any claim or Vehicle is to be from the Victim/ official authorities
total claims arising pay compensation Thousand Seven repaired at a
to the Third Hundred and claimant Third Party and the Insurer
from one accident repair shop, as compensation. within a reasonable
is the value Party once the Seventy Emirati the case may be,
judgment becomes Dirhams) to 3. In case of the period of time after
judicially awarded the period of loss occurrence of the
enforceable. the provider of death of a person
without any of use allowance accident and furnish
ambulance services covered by the
limit whatsoever,  c. As to the damages shall be calculated all documents and
and medical insurance provided
except for the to items and in days from the details pertaining
transportation for hereunder, the
spouse, parents properties (except date of delivery to the accident,
to hospitals. The Company shall pay
and children and for those owned of the damaged unless the delay
amount is per the benefit due
the liability of by the Insured or Motor Vehicle, the is attributed to an
victim/claimant as a result of the
the Company will the Motor Vehicle accident report and acceptable excuse.
person that accident to their heirs
not exceed AED Driver at the time deed of title to the The Insured shall
suffers from a according to the terms
200,000 (Two of the accident Company. furnish the Company
bodily injury or and conditions hereof.
Hundred Thousand or the properties as soon as possible a
Emirati Dirhams) death and is being Third: The liability 4. The Company
kept with them given first aid and of the Company copy of every claim,
per victim/ shall abide by any
in trust or in their transported to a for loss of use notice or judicial
claimant person settlement between
guardianship or hospital as a result allowance, shall document once they
in case of death. In the Insured and the
possession), the of an accident be calculated per receive them.
case of disability, Victim/claimant Third
insured amount caused by a Motor day, per damaged
maximum liability Party if it is done with 2. The Insured or the
of any claim or Vehicle insured Motor Vehicle as
will be adjusted its written consent. Motor Vehicle Driver

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shall notify the Insured Motor Vehicle in and because of work, permissible width, licence was expired at used outside the road,
Company as soon as the following cases: unless they have length or height, the time of the accident, as defined in this Policy,
practically possible obtained additional provided that this unless the driver without any additional
once they become 1. The accidents that coverage under a rider is proven to be the manages to renew it coverage.
aware of any lawsuit, occur outside the or another policy. proximate cause of the within thirty days from
investigation or borders of the Emirate. accident. the date of accident. 10. If damages occur to
findings concerning E. Recourses /Recovery the Victim/claimant
2. The accidents that 3. If it is proven that the 6. If it is proven that Third Party is a result of
the accident, have occurred, caused, from the Insured
unless the delay Motor Vehicle was the Motor Vehicle theft or robbery of the
resulted or are related The Company may have used in a speed race or Driver, or another Insured Motor Vehicle,
is attributed to an directly or indirectly to recourse to the Insured, the
acceptable excuse. test (in impermissible person allowed recourse will be against
natural disasters such Motor Vehicle Driver or the cases), provided that by them to drive the thief only.
In case of theft or as floods, tornados, person responsible for the
any other criminal this is proven to be the the Motor Vehicle,
hurricanes, volcanoes Accident, as the case may proximate cause of the caused the accident F. Policy Termination /
act which may or earthquakes. be, within the limit of the
give rise to a claim accident. while being in an Cancellation
amount of compensation abnormal condition
according to this 3. Invasion, foreign enemy paid in the following cases: 4. If following payment 1. Neither the Company
Policy, the Insured hostilities or warlike due to being under nor the Insured may
of the compensation the influence of
shall promptly operations, whether 1. If it is proven that it is proven that there terminate this Policy
notify the concerned war is declared or not, the insurance was narcotics or alcohol during its term as long
is a violation of the that undermine the
authorities and the civil war, strike, riot, civil concluded based laws, if the violation as the Motor Vehicle
Company as soon as commotion, mutiny, upon the Insured’s driver’s ability to licence is valid.
involves a wilful felony control the Motor
practically possible rebellion, revolution, misrepresentation or misdemeanour, as
and cooperate with insurrection, or ionising or non-disclosure of Vehicle or medical 2. However, the Policy
defined in the UAE’s drugs for which may be terminated
the Company in that radiation contamination material facts that applicable Penal Code.
regard. by radioactivity from affect the acceptance driving is medically before its expiration on
any nuclear fuel, power by the Company to 5. If it is proven that prohibited. In case the grounds of:
3. Neither the Insured usurpation, confiscation cover the risks or the Motor Vehicle of rental vehicles,
nor any person acting recourse will be made  a. Cancellation of
or nationalization, determination of the was driven without the Motor Vehicle
on their behalf may radioactive substances premium. obtaining the driving against the Motor
declare acceptance Vehicle Driver (renter). licence;
and radioisotopes, licence for the type
of liability, offer, atomic or nuclear 2. If the Motor Vehicle is of Motor Vehicle  b. Submission of a
promise or payment proven to have been 7. If it is proven that the
explosions, or any according to the Traffic accident occurred new policy due
of any amount element related directly used for purposes Laws and Regulations to change of the
without the written other than those set intentionally by the
or indirectly with the and the provisions Insured or the Motor Motor Vehicle
consent of the above mentioned out in the Insurance of this Policy, or that details; or
Company. Application attached Vehicle Driver.
causes. the licence granted
to this Policy or the to the Insured or the 8. If the trailer, half-trailer  c. Transfer of the
4. The accidents that maximum number of Motor Vehicle Driver or semi-trailer caused Motor Vehicle
D. Exclusions occur to the Insured, passengers is exceeded was suspended by a the accident and the title by virtue of a
This Insurance does the Motor Vehicle or the Motor Vehicle court’s order or by the Insured has not agreed certificate issued
not cover the Third Driver or the persons was overloaded or concerned authorities with the Company to by the concerned
Party Liability arising or employed by the its loading was not or by virtue of traffic include it in the policy. authority.
emerging from accidents Insured if they are secured correctly or regulations, or that
victim/claimant during exceeds the limits of 9. If the Motor Vehicle is In this case, the
that are caused by the Motor Vehicle driving

23 24
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Table No. (1)


Company must up-to-date according to competent to
refund to the the payment schedule determine any dispute
Spare parts depreciation
Insured the agreed and provided arising in connection
paid premium to the customer at with this Policy. YEAR PERCENTAGE
after deducting inception of this policy. First -
a portion in
proportion to the In the event that Second 5%
period during You have missed Third 10%
which the Policy payment of one
has remained in single instalment, we Fourth 15%
effect according shall offer you the
to the Short Rate facility to repay this Fifth 20%
Schedule No. (3) to reinstate Section Sixth and above 30%
set out in this One’s cover. In the
Policy, provided event that two or more Table No. (2)
that there are no instalment payments Spare parts depreciation - taxis, public transport and rental vehicles
paid claims or are outstanding, the
outstanding claims cover will be restricted YEAR PERCENTAGE
where the Insured to Third Party Only
has caused the and all claims will be Last six months of the first year 10%
accident. entertained as such.
Second 20%
3. This Policy shall be G. General Provisions Third 25%
considered terminated
1. The Company shall
in case of a total loss Fourth 30%
include all details
to the Motor Vehicle,
in Schedule (5) of Fifth 35%
provided that its
this Policy, and this
registration is deleted Sixth and above 40%
Schedule shall be part
with a report issued by
of this Policy. Table No. (3)
the Road and Traffic
Department confirming 2. Any lawsuits arising Short period cancellation
that it is unroadworthy, from this Policy may
and the Company not be filed after the RECOVERABLE
and the Insured shall POLICY VALIDITY PERIOD PREMIUM
lapse of three years
remain bound by its from the date of the
provisions before A period not exceeding one month 80%
accident or the Victim/
termination. claimant Party and A period exceeding one month to the end of the fourth month 70%
related parties become
4. Section One of this A period exceeding four months to the end of the sixth month 50%
aware of the damage
policy (Unified Own
and the person liable A period exceeding six months to the end of the eighth month 30%
Damage) is only
for it.
applicable if the
A period exceeding eight months Nil
instalment payments 3. The courts of the
for the customer are Emirate shall be

25 26
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3
Table No. (4) AXA Automatic Extensions, Optional Covers
Spare parts where depreciation do not apply and General Exclusions
GLASS
Automatic Extensions necessitating the use of policy is extended to
Brake master cylinders a crane. Any additional include The Sultanate
A. THIRD PARTY
Brake wheel cylinders PROPERTY DAMAGE expense would need to of Oman.
LIMIT IS INCREASED TO be borne by the Insured.
Brake calipers D. MEDICAL EXPENSES
AED 3,500,000.00 Tyre Replacement

The Company will pay
Brake cables (conduit type) B. ACCIDENT/ If Your Vehicle has a to the Insured and/
Brake hoses BREAKDOWN flat tyre, We will help to or any other occupant
RECOVERY & ROADSIDE change the tyre, using an of the Insured Vehicle
Brake hoses ASSISTANCE approved AXA technician. the reasonable cost
of medical expenses
Brake diaphragms ■ Towing of the Insured The supply of parts &/ incurred in connection
Vehicle or tools; spare tyre, jack with any accidental
Steering boxes
In the event of a and other tools are not bodily injury as the
Steering rakes breakdown or accident included within this direct and immediate
of the Insured Vehicle, specific cover. result of an accident
Steering ball joints and swivels
AXA will arrange to tow ■ Battery Service to the Insured Vehicle.
Seat belts or transport the Insured ‘Immediate’ means
Vehicle to the nearest If the battery is ‘dead’, treatment commencing
authorized proper Your Vehicle will be jump within 24 hours of
workshop. started to get it moving, the time and of the
using an approved AXA accidental bodily injury.
■ Removal of the insured technician.
Vehicle EXCEPTIONS
■ Lockout Service

If while driving on paved If You are locked out of a. This shall apply only in
roads or offroad, the respect of private motor
Your Vehicle, We will vehicles insured in the
covered Vehicle were attempt to open the lock
to be unable to move name of an individual.
under the supervision
by its own means due of the appropriate b. The liability of the
to overturning or falling authorities. company shall not
down a slope, exceed the sum of aed
the Company will C. OMAN COVER 3,500 (three thousand
arrange its removal, up EXTENSION five hundred emirati
to an agreed limit. It is agreed and dirhams) per person
acknowledged against in respect of any one
The maximum amount
payment of additional accident.
payable is AED 1,100
Premium, that the
in respect of removal
territorial limit for this
of the Insured Vehicle

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E. PERSONAL INJURY attempted suicide. EXCEPTIONS this Cover will not affect ƒƒ A hotel, restaurant or competitive event or
The Company will d. Anyone who is over 70 We will not pay for loss or Your No-Claims Discount. similar business, which race of any kind
pay AED 20,000 to the years of age at the time damage to the following: the You do not own,
The automatic extensions
Insured and/or spouse of the accident. H. REPLACEMENT LOCKS where the Insured
a. Money, stamps, tickets, are subject otherwise to
(or in the event of death, e. If anyone claiming is In the event of damage Vehicle has been parked
documents or cards the terms, conditions and
to their legal personal to locks on the Insured by their authorised
convicted in connection of every kind and exclusions of the Policy
representatives) if the Vehicle or in the case of driver.
with the accident of a description.
Insured and/or spouse drink-driving offence the theft of keys, ignition EXCEPTIONS
b. Theft of any property L. RTA INSPECTION &
suffer accidental or of driving under the card or lock transmitter
carried in an open top a. The vehicle is handed REGISTRATION SERVICE
bodily injury in direct influence of drugs. of the Insured Vehicle We
or convertible vehicle over only to the If You need to register
connection with the use will pay for the necessary
unless in a locked authorized person after the Insured Vehicle, We
of the Car. The injury replacement cost of:
F. PERSONAL boot or locked glove due verification will pick up the Vehicle
must be sustained
BELONGINGS compartment ƒƒ All external locks of the from the location of your
independently of b. The person is a
Insured Vehicle;. request and complete
any other cause and We will pay You (or if You c. Goods or samples licenced driver
resulted in the following prefer, the owner) for the ƒƒ The ignition/steering the Vehicle registration.
carried in connection
within three calendar value of loss or damage lock if this is operated by c. This is not covered by The Insured Vehicle will
with any trade. any other policy.
months: caused to personal the same key; and be taken for registration
belongings by fire, theft d. Any such property only once. If due to any
a. Death. ƒƒ The lock transmitter J. NEW CAR REPLACEMENT
or accident while the insured under any other reason the customer has
b. Total irrecoverable and/or central locking
belongings are in Your insurance policy. If Your Car is under to take the Vehicle more
loss of sight in one or interface
Insured Vehicle and if six months old and is than once, the Insured
both eyes. Any claim under this declared a total loss, will be charged an extra
mentioned in the police G. WINDSCREEN DAMAGE
c. Total loss by physical report. In the event of We will cover the cost of Section will not affect Your We will pay for either a fee. It is the Insured’s
severance of one a dispute, You will be replacing or repairing No Claims Discount. No brand new replacement responsibility to check all
or more limbs at or required to provide broken or damaged Excess applies to this Cover model or for the value the fines due and pay in
above the wrist or proof of valuation and/or windscreens, windows or of the Car when You advance.
ankles or permanent purchase. The maximum glass in the sunroof of Your I. MOTOR TRADE & VALET bought it, whichever is
loss of one or both amount payable under Vehicle, and scratches to PARKING the lowest M. NO CLAIM DISCOUNT
hands or legs. this benefit shall not the body work caused If You have a If You do not claim
exceed AED 4,000 (Four by the glass breaking. It comprehensive Policy, K. OFF ROAD COVER during the current Period
EXCEPTIONS
Thousand Emirati being understood that We will indemnify You for If You have a of Insurance, We will
a. This section does not Dirhams) in respect of any claim payment in loss of or damage to the comprehensive Policy, include a discount in Your
apply when section 8 is any one claim or series respect thereof shall Insured Vehicle whilst in Your Policy is extended to renewal Premium. The
covered. of claims resulting from not be subject to any the custody or control of: cover loss or damage to discount amount will be
b. This section applies only one incident. There will Excess provided that the Insured Vehicle whilst in accordance with the
in respect of private be an amount deducted the replacement of such ƒƒ A motor garage or other being driven off road. No-Claims Discount scale
motor vehicles insured for wear, tear and windows or windscreens similar business, which applicable at the time of
in the name of an depreciation or pay the does not exceed the You do not own, which PROVIDED THAT: renewal.
individual and does not market value of the loss, sum of AED 5,000. (Five has the Insured Vehicle a. Your car has four
cover: whichever is lesser. Thousand Emirati Dirham). for the purpose of wheel drive capability If a claim has been made
maintenance, repair, or arisen, Your No Claims
c. Death or injury arising b. You are not
Any claim made under testing or servicing. Discount may be reduced
from suicide or participating in a

29 30
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at the next renewal in rebate. theft, We will provide hired car. descending from the
accordance with the step a hire car for up to ten Vehicle as a result an
Failure to upload the d. Any kind of legal liability
back scale applicable at days or until We make an accidental incident that
mileage within the 14 arising out of the use of
the time of renewal. offer to settle Your claim, leads, in an independent
day notification period the hire car.
whichever is earliest. This manner away from any
N. RIOT, STRIKES, STORM (from inception date) benefit is provided subject other reason (except
& FLOOD will disqualify you from to Us accepting Your claim. for medical or surgical
C. GCC COVER
receiving a refund. treatment needed) to
The Cover is extended to Use of any hire car The territorial limit for
indemnify the Insured No rebate will be Chapter 1 is extended to any of these injuries
mentioned under the stated in the table here-
in respect of loss of or applicable if you cancel covers set out above include Oman, Bahrain,
damage to the Insured your policy midterm or if Saudi Arabia, Kuwait and in-under during the
must commence within following three months
Vehicle caused by: your vehicle is declared a 48 hours of the Insured Qatar. You will not be
total loss by AXA. covered under Chapter 2, from the date of accident.
ƒƒ Riot, strike & civil Vehicle becoming
disabled, following an third party liability, as this
commotion, which This rebate will be subject
accident covered under Cover must be purchased
does not assume the to Insurance Authority
Your Policy. The hire car separately at the border
proportions of or amount regulations.
can only be provided to (except Oman).
to a popular uprising
Optional Covers – these the Insured and/or spouse. EXCEPTIONS
covers will only apply In order to avail of a hire
ƒƒ Flood, storm, typhoon, if mentioned on your car, the Insured will need a. The maximum duration
cyclone, tornado, schedule. to provide an imprint of of any single trip shall
volcanic eruption, a credit card and a valid not exceed 30 days.
earthquake or other A. EXTENDED AGENCY UAE driving licence to the
REPAIR b. The maximum total
convulsions of nature. rent-a-car company. number of days shall not
Chapter 1 of the Policy exceed 90 days in any 12
is extended to include The hire car must be
O. LOW MILEAGE REBATE months period.
accidental damage repairs collected by the Insured
As you have selected the of the Insured Vehicle and returned either to the
Motor Beema product, at the manufacturer’s hire car company or the D. PERSONAL ACCIDENT
you may be entitled to authorised dealers within repairer where the Insured BENEFIT
a rebate at your policy the UAE. Provided it is vehicle is being repaired.
expiry based on the It is agreed and
mentioned on Your Policy Any other specific UAE acknowledged against
mileage you have driven. Schedule. restriction to vehicle
This will have been clearly payment of additional
rental shall apply. Premium, that the
explained to you at B. HIRE CAR BENEFIT
inception of your policy. EXCEPTIONS Company has agreed
Following an accident and acknowledged to
Please go to https://www. covered by Chapter 1 a. Fuel costs, parking costs pay compensation in
beema.ae/how-it-works of Your Policy, We will or any fines. accordance with the
for full instructions on provide a hire car for a b. Hire car charges after a table stated herein-under
how to upload your maximum period of ten period of ten days. for death or any physical
mileage. This process days. Where the Insured injuries sustained by the
must be followed for Vehicle is declared a total c. Excess applied in the Driver and/or passengers
you to be eligible for any loss due to damage or case of an accident while ascending or
occurred while driving a

31 32
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SCALE OF COMPENSATION LIMIT OF COMPENSATION PROVIDED ALWAYS THAT: the person demanding GENERAL EXCEPTIONS
insurance and the 1. This policy does not
SR. VEHICLE  a. Compensation which
INJURY TYPE VEHICLE DRIVER company. cover loss or damage
NO PASSENGERS the company is
committed to pay will  c. The company is not or third party
1 Death or permanent total disablement AED 200,000 AED 200,000 be restricted according liable to pay any liability arising from
to one article only compensation for death accidents involving
Total and incurable loss of all vision in the insured vehicle in
2 AED 200,000 AED 200,000 of these articles for or physical injury which
both eyes the following cases:
article one to six here- occurs either directly
3 Total loss by physical severance at or above in- above mentioned or indirectly, totally or
the wrist or ankle of both hands or both  a. Accidents
AED 200,000 AED 200,000 or as per article seven partially as a result of
feet or of one hand together with one foot which take
separately or by adding the following reasons: place outside
4 Total loss by physical severance at or to it either article the geographic
five or six according  i. to harm oneself
above the wrist or ankle of one hand area specified
AED 200,000 AED 200,000 to the conditions of intentionally or by
or one foot together with the total and in this policy.
incurable loss of one eye vision any of those persons committing suicide
injured as a result of or by attempting  b. Accidents which
5 Total and incurable loss of one eye vision AED 100,000 AED 100,000 any single accident suicide or physical happen directly
provided that total defect or mental or indirectly,
Total loss by physical severance at or above liability of the company weakness. proximately
6 AED 100,000 AED 100,000
the wrist or ankle of one hand or one foot will not exceed for or remotely
 ii. in respect of a
7 Total disablement from engaging in or The compensation The compensation compensation amount occasioned by,
person demanding
given any attention to such person’s will be calculated will be calculated AED 200,000 for the contributed to
compensation
occupation, AED 1,500 per week for a on the basis of the on the basis of the person injured during by or traceable
himself being
period not exceeding 26 weeks. percentage scale percentage scale any single period of to or arising
addicted to drugs
for permanent for permanent insurance. out of or in
or liquor.
partial disability partial disability connection
 b. At the insured’s with ionising
approved by approved by  d. Such compensation
request, the company radiation,
the medical the medical shall be payable only
will pay weekly contamination
board, multiplied board, multiplied with the approval
compensation for by radioactivity
by the limit of by the limit of of the insured and
temporary total from any
compensation compensation directly to the injured
disability preventing nuclear fuel
(AED 200,000) (AED 200,000) person or his/her legal
the injured person
representative whose or from any
from engaging in
8 Temporary total disability preventing the As may be agreed As may be agreed receipt shall be a full nuclear waste
his occupation (as
victim/claimant person from engaging in (on weekly basis (on weekly basis discharge in respect from the
per article (8) of the
his occupation up to 26 Weeks) up to 26 weeks) of the injury to such aforementioned
above table) for a
person. causes.
period not exceeding
26 consecutive Number of vehicle
weeks. The weekly  c. Accidents
passengers at the time of
compensation amount involving
the accident should not
and the aggregate the insured
exceed the authorised
amount shall be in or any driver
seating capacity of the
accordance with the of a vehicle
vehicle.
agreement between whilst driving

33 34
Policy Handbook
Motor Beema

4 AXA Claims and Complaints Procedure


A. CLAIMS PROCEDURE personal items You should Your Vehicle resulting
the vehicle enemy; any organization(s)
make sure that details are from an accident, because
outside the or government(s), What to do in case of an
ƒƒ Hostilities or warlike mentioned in the police through Our network of
public road committed for political, accident?
operations (whether report in order to get full service partners you can
as per the religious ideological As per the regulations, in
war has been declared entitlement of all the register the claim and
definition of or similar purposes case of an accident You
or not); benefits described in this repair process will start
road as every including the intention must obtain a police booklet. immediately.
passage open ƒƒ Civil war; to influence any report. The police report is
to public government and/or to required by AXA to process The workshop which will Just follow these simple
traffic unless ƒƒ Revolution, rebellion put the public or any Your claim but even more repair Your Vehicle will steps:
otherwise or insurrection (that section of the public in importantly is required only repair the damages
been agreed in is, people rising up fear. 1. Get the police report.
by the workshop to carry mentioned on the police
the insurance and changing the You should ensure that
out the repairs on Your report.
policy. government by force or Loss, damage or injury all details are correct
vehicle. In case various Accordingly We advise on the police report.
attempting to do so); which is the direct or parties are involved in the
2. This insurance You to ensure that these
indirect result of any accident, the police, based 2. Go with Your driving
does not cover any ƒƒ Civil commotion which damages are properly
action taken in controlling, on the accident scene will licence, registration
liability due to an is of such severity or mentioned on the Vehicle
preventing, suppressing or define the responsibility of card of Your Car and
agreement made by magnitude that it can sketch. In case You wish to
in any other way relating each party in the accident. the police report to
the insured where be likened to a popular repair several damages at
to any of the causes listed These responsibilities are one of Our approved
no liability would uprising; the same time, which were
above is also not covered. mentioned on the police workshops you’ll find
arise but for that caused by several accidents
agreement. ƒƒ Military power (even report along with a brief information about Our
If the company alleges that or incidents, You will need
if properly authorised description and sketch of network of workshops
by reason of this exclusion to provide separate police
3. Policy excludes by the duly elected the damages occurred to through Our website
any loss, damage, cost or reports for each accident/
liability arising out government); or the vehicle(s). (www.axa.ae)
expense is not covered, incident that generated the
of usage of vehicle the burden of proving the 3. You will find the
ƒƒ Usurped power (that is Accordingly in case of damages on Your vehicle.
against racing, contrary shall be upon the AXA desk inside the
power taken by force an accident You should Based on these police
rallies and/or speed insured. workshop where one of
by any person or group immediately contact the reports, AXA will apply
trials Our staff will take Your
(including armed forces) traffic police department the adequate number of
In the event any portion of
WAR AND TERRORISM not being the duly and wait for the police to excess. Please bear in mind documentation and
this exclusion is found to be
EXCLUSION elected government); attend the scene of the that the excess mentioned register the claim.
invalid or unenforceable the
accident. on Your Policy Schedule
We will not pay for any ƒƒ For the purpose of this remainder shall remain in 4. The repair process
is applicable for each
accident, loss, damage or exclusion, an act of full force and effect. of Your Car will start
However, please ensure separate accident/incident
injury which is the direct or terrorism means an immediately since one
that You are not blocking generating a damage for
indirect result of any of the act, whether involving of our surveyors will be
the traffic to avoid any which there is no identified
following, whether or not violence or the use of permanently available
penalty imposed by the responsible third party by
contributed to by any other force or not or the threat at the workshop to take
traffic police department. the police department.
cause: or the preparation care of Your Car during
thereof, by a person In the unfortunate case of all the repair process.
ƒƒ War; How to report a claim?
or group(s) of persons, any bodily injury incurred 5. If You have Hire Car
ƒƒ Invasion; to You or any of Your No need to come to Our
whether acting alone offices anymore, or even coverage, We will
or on behalf of or passengers, even a minor arrange to provide You
ƒƒ Activities of a foreign one, or in case of damage to call Our call centre to repair
in connection with the replacement car in

35 36
Policy Handbook
Motor Beema

the workshop itself so Additionally, We will What happens in case of a


time of the management of with seriously and in a complaint.
that You will be able to court judgment?
provide You with regular
Your claim. confidential manner.
drop the Car there and updates via SMS and Email
On some occasions the In these situations, and on
leave with the hire car. on Your claims status. police might decide to refer In case You wish to raise Your complaint can your behalf, the complaint
a comment after We have be made in any of the will be registered by our
Of course if You prefer to What happens in case of a the accident case to the
contact AXA through Our court. This mainly happens managed a claim, please following ways: Staff and a Reference
Total Loss?
call centre to report Your in case of a death or bodily visit Our website Number generated and
In case the repair costs injury or in case one of the www.axa.ae 1. Visit our website provided to you which
claim, We will be happy to of Your Vehicle exceeds www.axa-gulf.com -
assist You 24 hours a day on 50% of the depreciated drivers has infringed the please quote in all future
UAE legislations. You can register Your select Country ‘UAE’ communications. Whilst
Our toll free number 800AXA value of Your Vehicle (as comment within the and select ‘Complaints’ all efforts will be made
For Your convenience, You per depreciation Schedule In such cases, the matter section ‘Contact us’; it will under ‘AXA & You’ (at to revert back within 10
can also file Your claim described in this booklet), will be referred to the be immediately escalated the bottom of the web working days, if our final
through Our website Your Vehicle will be court. You will be the sole to the relevant manager in page) and register your response will be delayed
(www.axa.ae) where you declared a Total Loss. accredited party to attend order to assess Our quality complaint. An auto beyond 15 working days
will need to logon in Our the court. of service. email will be received or if more time is needed
You will be responsible for by You providing the
system with information on We are committed to for investigation, we will
transferring the ownership AXA will take all the reference number
Your Policy, complete the acknowledge receipt of inform you when we will be
of the Vehicle to AXA and required actions to have which should be
information requested on Your comments within able to contact you again
to provide AXA with the Your Vehicle repaired within quoted in all future
the circumstances of Your one working day, to revert about the complaint.
official ownership transfer the shortest period of time; communications.
claim and attach the police back to You with a fair
letter issued by the however, AXA will not be If you are dissatisfied
report. assessment of the situation Alternatively, should you
traffic department. Upon able to have Your Vehicle with our final response or
The system will provide receipt of this letter AXA released from the repairer within two working days not have an email address dissatisfied with the delay
Your claim number at the will reimburse You the unless the final court and to propose a solution or access to the internet: in our response (beyond
end of the process and depreciated value of Your judgment is issued. if technically required and 15 working days) you may
Our claims department Vehicle minus applicable justified within three weeks 2. Send a letter to the refer the complaint to
professionals will be put to Excess. In case the accident is from Your posting on Our management at AXA
Insurance (Gulf) BSC the Insurance Regulator
work immediately to give referred to the court, You website.
the required service. AXA takes all necessary need to contact AXA (c), PO Box 5862, Dubai, (please provide them the
United Arab Emirates; details and AXA Complaint
measures to issue its immediately. AXA will B. COMPLAINTS
During the process of or Reference Number).
settlement within five reserve the right to appoint PROCEDURE
managing Your claim, Their contact details are
working days upon receipt a legal representative in We are committed to
You will have complete 3. Transmit a fax to +971 provided alongside.
of the official transfer order for AXA to manage provide you the highest
information about it again letter issued by the traffic Your case through its 44392188; or
level of customer service. For Abu Dhabi Healthcare
by accessing Our website department. lawyers. 4. Telephone Us on Policies only:
(www.axa.ae) or by calling We do realise that things
What happens in case You can sometimes go wrong, 8004845 and request HAAD
Our call centre by phone In the event that your our Customer Service
800 AXA (select query want to give a comment on and when this happens, we PO Box 5674, Abu Dhabi,
premium is being paid would like to hear about Staff to register Your United Arab Emirates
claims) during business via instalments, your the way We have managed
Your claim? it. Telephone calls may be complaint; or Telephone: +971 2449 3333
hours Sunday to Thursday outstanding premium
from 8:00 a.m. to 10:00 p.m. amount will also be recorded for training and or Local Toll Free
We have designed a specific 5. Walk into Our office
and Saturdays from 8 a.m. deducted from your total monitoring purposes. We Number: 800 555
quality control procedure and request Our
to 5 p.m. would like to assure you Fax: +971 2444 9822
loss settlement to assess Our services at the Customer Service
that all matters are dealt Email: contact@abudhabi.ae
Staff to register Your

37 38
Policy Handbook
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For Dubai Healthcare 2. How do You calculate For this reason We are
Policies only: my insurance premium? able to offer a 6-month
Website for registering A number of factors are guarantee on mechanical
Complaints: http://www. used to calculate Your repair and 12-month
isahd.ae/Home/Ipromes insurance Premium. guarantee on body repairs
Amongst these factors and paint jobs.
For all other complaints: are the age of the 6. How does AXA’s
Insurance Authority driver, length of driving motor insurance differ
PO Box 113332, Abu Dhabi, experience, claims history, from other insurance
United Arab Emirates location, value of the companies in the
Telephone: +971 2499 0111 Vehicle and type. market?
Fax: +971 2557 2111
Email: contactus@ia.gov. 3. Why can’t the AXA provides one of the
ae Website for registering insurance be transferred highest levels of motor
when the vehicle is sold? protection in the Middle
Complaints: As the insurance Premium East, combined with
is affected by the profile the security and service
https://eservices.ia.gov.ae/
of the driver, it is not standards of a large
Wirestorm/Pages/Render.
possible to simply transfer international operation,
aspx?page=Complaints&l
insurance cover from one 24-hour accident recovery,
ayout=NewAnonymousCo
driver to another. The guaranteed repairs and
mplaint
existing Policy must be extended opening hours.
C. FREQUENTLY ASKED cancelled. The new owner If You are being offered
will then be given a new insurance cover from
QUESTIONS
insurance Policy that is another source at a lower
1. Why can’t the required for registration Premium, please make
insurance and purposes. sure You do a cover to
registration be in two cover comparison and not
different names? 5. Which garages will You just a Premium one.
The Policy holder should use to repair my Car?
7. Can I choose which
normally be both the If You have selected
garage I want to take my
main driver of the Vehicle Agency Repairs then Your
Vehicle to?
and the registered owner. Vehicle will be repaired at
The Policy holder must the Vehicle’s authorised If You have opted for
have a financial interest dealership. Otherwise Agency Repairs then Your
in the Vehicle. The AXA will select one of its Vehicle will be repaired
traffic department will own authorised repairers. at the main authorised
only register a vehicle We only use garages dealership. Otherwise
in the name stated on that adhere to Our strict AXA will select one of its
the certificate of motor quality controls. Garages authorised repairers. The
insurance. must have experienced, garage We choose will
qualified personnel and depend on the Vehicle
access to sophisticated type, nature of damage
repair equipment. and availability.

39
800 AXA (292)
axa.ae

UAEPL11EN13012PR205442019DK

AXA Insurance (Gulf) B.S.C. (c)


Registered in the Insurance Companies Register - Certificate No. (69) dated 22/01/ 2002.
Subject to the provisions of Federal Law No. (6) of 2007 concerning the establishment
of Insurance Authority and Organization of its work.
Agent: Kanoo Group (Insurance Agent) L.L.C

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