The New India Assurance Co. Ltd.

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Is it mandatory to have insurance for plying vehicles on the public place?

As per Motor Vehicle Act, it is mandatory to have Motor Liability only Policy for covering Third Party.

What does Motor Package Policy Cover?

This type of policy covers all the risks covered under Motor Liability policy plus loss or damage caused to the vehicle due to:

Accident, Fire, Explosion, Self Ignition, Lighting, Burglary, House Breaking, Theft, Riots & Strikes, Earthquakes, Flood, Typhoon, Hurricane, Storm, Cyclones.

What are the exclusions under Package Policy?

Damage caused due to:

Driver being under intoxication, Vehicle being driven by a person not holding an effective valid license, Damage to tyres (unless the vehicle is damaged at the same time),Wear and tear and mechanical breakdown damages, vehicle not used for the purpose approved for use, any anti social activity or against the rule of law.

What are documents required at the time of claim?

The claim intimation should be given to our office. Necessary papers like, Mulkia, Police report, Driving License copy shall be handed over to the claims department located in 4th Floor, RHS Building, Bur Dubai, Dubai.(opp. Standard Chartered Bank)

The claim form can be downloaded by clicking here

Can the amount be paid directly to the repairer?

Yes - In case of Approved Garage to the extent the insurer is liable and agreed.

No - In case of any other facility.

What is the amount I have to bear?

Compulsory excess, Reasonable value of salvage if not surrendered to insurer and depreciation if applicable, additional expenditure in excess of approved Liability Payment Order issued to the garage.

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The New India Assurance Co. Ltd.