Main Covers

As the largest global insurance provider in Oman, we strive to provide you with a wide range of car insurance covers to fit your needs, while making sure we provide excellence and quality in everything we deliver.

Comprehensive car insurance

Our comprehensive car insurance protects you, your passengers and your vehicle. Your vehicle can be insured with this product 
if it is up to 15 years of age. The premium includes:

  • Car loss or damage compensation to your vehicle including personal belonging*
  • Third party liability against personal injury and property damage.

Third party car insurance

Our third party car insurance protects you against your liability towards third party personal injury and property damage. 

For more information about other covers, please refer to the Product Summary table.

Additional benefits

To ensure you keep on moving, we provide you with 
the below services (depending on the product selected):

  • Coverage of the cost of the car, as per original invoice in case of total loss (no depreciation for 24 months)*
  • Option to repair at agency/dealership or with AXA network garages
  • Alternative vehicle in the event of a claim*
  • 24/7 roadside assistance & breakdown recovery.
  • Off road cover

Do you have a loan on the vehicle?

Lenders usually require comprehensive insurance on vehicles they have financed.

 

*T&Cs apply. Cover is applicable only if specifically stated on your Policy Schedule. 
Please read all the exceptions and conditions that apply to each Section of Your Policy.

Motor Executive
Motor Perfect
Motor Select
Unified Motor
Insurance Policy
 
(Comprehensive)
Compulsory
Insurance
 
(Third Party Liability)
+
Fire, Theft, Burglary & MD
Compulsory
Insurance
 
(Third Party Liability Only)
Insurance againts loss and damage
Compulsory Insurance - Liability to third party
First aid expenses
Natural Calamities (STF)
Optional Optional
Personal accident
Optional Optional
Riot, strikes, civil commotion
Family members as third party
Loading and unloading
Replacement locks
Motor trade and valet parking
New for old in first year (Total Loss)
Up to 24 months Up to 6 months
No Depreciation on spare parts (Partial Loss)
Up to 5 years of brand new vehicle Up to 2 years of brand new vehicle N/A 1st year of brand new vehicle
Personal belogings
No-claim discount
Windscreen damage excess waiver
Replacement of Windscreen at Agency only
Up to 5 years of brand new vehicle Up to 2 years of brand new vehicle N/A 1st year of brand new vehicle
UAE Cover
Optional Optional Optional Optional
Vehicle towing service without limit for distance
Optional Optional Optional Optional
Upgraded Personal Accident Cover
Optional Optional Optional Optional Optional Optional
Agency repairs (after first year)
Up to 5 years of brand new vehicle Up to 2 years of brand new vehicle N/A 1st year of brand new vehicle
GCC Cover
Optional Optional Optional Optional Optional
Cover for damage to Insured's property outside the vehicle
Optional Optional Optional Optional Optional
Accident and breakdown recovery
Optional Optional Optional Optional Optional
Alternative vehicle during the repair period
Optional Optional Optional Optional
Cash compesation of OMR per day for vehicle stoppage
Optional Optional Optional Optional
Automatic renewal if there is no claim
Optional Optional Optional Optional Optional Optional
Without payment of Excess
Optional Optional Optional Optional Optional Optional

How to submit your claim

If you encounter any issue and want to submit a claim, our dedicated claims team can help you anytime with our hassle-free claims process, anywhere. Just tell us what happened and we will take it from there.

You can get in touch with us through various touchpoints: Fill out this form or call 80070292 and one 
of our customer service representatives will guide you through your claim.

SUBMIT A CLAIM