Comprehensive Vs Third Party Liability Insurance Policy in Dubai - PowerPoint PPT Presentation

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Comprehensive Vs Third Party Liability Insurance Policy in Dubai


Comprehensive and third party liability insurance policy are the two types of policies in UAE. Oman Insurance Company in UAE is ruling the motor insurance field for more than 25 years. To know more about policies and premiums please visit – PowerPoint PPT presentation

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Title: Comprehensive Vs Third Party Liability Insurance Policy in Dubai

Third Party Liability Insurance Policy in Dubai
  • Number of road accidents showcase the importance
    and requirement of car insurance policy.
  • Finding the most apt car insurance policy for
    your car is the challenging decision that one has
    to take.
  • One must be quite sure about what all he
    requires.In Dubai, there are two types of
    insurance - namely comprehensive insurance policy
    and third party liability insurance.

Third Party Liability Insurance Policy
  • Third party liability covers you against death or
    bodily injury to any third party/person resulting
    in temporary or partial disability and damages to
    third party property arising out of use,
    explosion, combustion, scattering, drop of things
    from, movement, spontaneous movement or parking
    of your motor vehicle.
  • More importantly, this policy does not cover any
    damage or loss to your own vehicle.
  • Third party liability insurance policy is the
    minimum mandatory cover in Dubai, and it\ doesnt
    provide coverage to your vehicle if it is damaged
    or stolen.

Third Party Liability Insurance Policy
  • This policy doesnt include cover for damages to
    your own vehicle, no replacement car option
    available, and Injuries caused during an accident
    of the owner. If the car has been purchased on a
    loan most of the UAE banks wont encourage buying
    a third party liability insurance policy.

Comprehensive Insurance Policy

  • A comprehensive car insurance policy is a total
    package for your car to withstand any damages
    caused due to theft, accident, fire.
  • This also provides third-party insurance cover
    damages caused by your vehicle to another party.
  • You should check with your insurer at the time
    of applying whether if injury and passenger cover
    forms are part of your policy.
  • Comprehensive insurance policy is the most
    selling covers in Dubai because of its wide

Comprehensive Insurance Policy

  • Below are instances which are usually covered by
    a comprehensive car insurance policy in Dubai.
  • Vandalism
  • Glass Damages (Windshield)
  • Damages sustained by hitting an animal
  • Fire
  • Floodwaters
  • Natural disasters
  • Damage to third-party vehicle

Comprehensive Insurance Policy
  • Damage to your own vehicle
  • What does the policy exclude?
  • Depreciation of your vehicle
  • General wear and tear of the car
  • Mechanical or electrical failure
  • Damage to tires
  • Damages caused under the influence of alcohol