Adamjee Insurance Company Ltd is involved in the business of general insurance in the United Arab Emirates and Pakistan. The company got the status of Public Limited in the year 1960 and is listed on the Pakistan Stock Exchange. In its general insurance sector, the company offers a wide range of products and hence one can expect to get products from health & accidents to marine & cargo.
Adamjee General Insurance products are broadly divided into the below categories:
Engineering
Health
Fire & Property
Marine
Travel
Motor
Agriculture
Miscellaneous
1. Engineering Insurance
The general insurance products that come under engineering insurance category are:
Machinery Insurance
Boiler and Pressure Vessel Insurance
Electronic Equipment Insurance
Contractor’s All Risk Insurance
Electronic All Risks Insurance
Machinery Insurance:
An insurance policy to provide industry effective insurance plans to the machinery and plat requiring repair or replacement because of unforeseen and sudden damage or loss.
Inclusions: If the cause of damage or loss is machinery or electrical breakdown, faults in the erection or at the workshop, faulty design of the machine, defects in material and casting, lack of skill, negligence, bad workmanship, and physical explosion.
Exclusions: Terrorism, war or warlike operations, riot, civil commotion, strike, nuclear reaction, wear and tear, radioactive contamination, fire, exchangeable tools, chemical explosion, lack of skill.
Other Related Products:
Content loss because of machinery breakdown
Content contamination because of machinery breakdown
Boiler and Pressure Vessel Insurance:
This insurance policy is developed for providing industry effective insurance plans for air or other pressure, plant under steam, like economizer, boiler, super-heaters, and other pressure containers and vessels that have valid inspection certificate provided by the competent authority. This insurance policy can also be extended to provide third-party bodily injury or property damage.
Inclusions: The reasons for damage or loss that are covered under this policy are collapse and explosion (other than fire) to the pressure vessels or boilers.
Exclusions: Terrorism, war or warlike operations, civil commotion, riot, nuclear reaction, civil commotion, wear and tear, radioactive contamination, the property of insured, individual tube failure.
Electronic Equipment Insurance:
An insurance that provides industry effective insurance plans to cover sudden or unforeseen physical loss or damage the electronic equipment requiring replacement or repair that have moderate to low power equipment.
Inclusions: The common cause of damage or loss covered under this insurance plan can be various electrical reasons such as short circuit, burglary, lack of skill, explosion, lightning, fire, negligence.
Exclusions: Riot, terrorism, war or warlike operations, nuclear reaction, civil commotion, theft, acts of God, theft, radioactive contamination, exchangeable tools, wear and tear willful negligence.
Contractor’s All Risks Insurance:
An insurance plan for industries that provides insurance cover against legal liability to third-party bodily injury and property damage, and damage to work of contract during execution of construction project.
Inclusions: The causes of loss or damage covered under this policy are lightning, fire, flood, explosion, windstorm, inundation, earthquake, burglary, and theft.
Exclusions: Riot, terrorism, war or warlike situation, nuclear reaction, civil commotion, strike, radioactive contamination, nuclear reaction, defective design/material/ workmanship.
Other Related Products:
Contractor’s equipment and plant insurance
Erection All Risk Insurance:
An insurance that provides industry effective insurance policy that provides coverage against material damage to the machinery, steel and plant structures, and third-party claims due to damage to third-party bodily injury or property damage arising during the execution of the erection project.
Inclusions: The cause of loss or damage covered under this plan are: lightning, fire, flood, explosion, earthquake, windstorm, theft, earthquake, windstorm, testing, short-circuit, negligence, burglary.
Exclusions: Riot, terrorism, war or warlike situations, nuclear reaction, civil commotion, cessation of work, radioactive contamination, defective material/design/ workmanship, civil commotion, mechanical or electrical breakdown, consequential loss, willful negligence.
Other Available Products:
Startup delay following EAR insurance
Equipment and contractor’s insurance
2. Fire & Property Insurance
The fire and property insurance policy offer compensation to the insured firm or person in the event of damage or loss caused to the property due to lightning and fire.
Inclusions: This insurance plan widely covers losses incurred due to lightning, fire, and explosion (caused because of the domestic boiler).
Additional or Add-On Cover: Strike, riot, explosion, malicious damages, atmosphere disturbance, fire, earthquake, aircraft damage, shock, impact damage, housebreaking and burglary, loss of rent, removal of debris, electrical clause ‘B’.
Exclusions: Burglary/ theft/ housebreaking, gross negligence, willful act, documents, loss of bullion. And the loss of currency, earnings, or business interruption, losses arising due to war or warlike situation, civil commotion, terrorism, insurrection, spontaneous combustion, biological or nuclear fission.
Other Available Products:
Property all risks
Terrorism
Comprehensive machinery insurance
The hotel owner's all risk insurance
Consequential loss because of fire or business interruption
3. Health
A leading health insurance provider of UAE, Adamjee Insurance in this category offers coverage to cater to the medical and health requirements of SME and corporate sector. The plan provides customized coverage to cover the requirements of employees of corporate and SME.
Advantages & Inclusion:
Optional major medical advantages
Benefits of hospitalization
Optional maternity cover
Optional outpatient coverage
Add-On Covers:
An insured can get international healthcare cover
One can opt for terrorism cover wherein an insured is covered against injury caused due to a terrorist attacks.
Accidental coverage is also provided, however, the limit of the coverage may vary.
4. Marine Insurance
The marine insurance provides coverage against damage to the machinery and shell of the vessel, cargo that is carried over the vessel, and protection against liabilities to transport shipping companies.
Marine Hull and Machinery Insurance
Marine Umbrella Liability Insurance
Marine Cargo Insurance
Marine Hull:
The policy provides coverage against the losses and damage to the machinery and shell of the vessel because of the maritime perils.
Inclusions: The following perils, damages, and losses are covered under this plan:
Perils of the river, sea, lakes, and other navigable water, explosion, and fire.
Violent theft by a person, piracy or jettison
Lightning, earthquake, volcano eruption
An accident while loading, shifting, or discharging cargo or fuel
Breakage of the shaft, bursting of boilers, or other latent defects in the machine
Hull negligence of crew, master officers, or pilot
Negligence of charter or repairs
Master office barratry
Objects falling from the charges at the time of declaration of general average
Marine Cargo:
A marine insurance that provided protection against damage or losses pertaining to freight /cargo carried on the vessels.
Inclusions: The following risks related to marine cargo carried on the vessel are covered in this plan:
The ‘All Risk’ coverage against various damages and losses to the cargo during transit through the sea, road, air, or rail.
Restricted coverage is provided other than ‘All Risk’ while transiting through air, sea, rail, and road.
Marine Umbrella:
Under this insurance plan, the losses and damages pertaining to freight or cargo carried on the vessel.
Inclusions: The following benefits are included under this plan:
Vessel or ship operators
Road transport operator
Freight forwarders
NVOC
Carriers by air
Railway operators
Warehouse depot operators
The services related to shipping transportation
Terminal operators
5. Motor Insurance
As per the Motor Vehicle Act, it is mandatory to have motor insurance in UAE. The Admajee General Insurance Company in its motor insurance plan provides protection against financial losses incurred due to theft or damage to third-party liability or to the own vehicle.
Inclusions: The comprehensive plan of motor insurance policy provides an insured maximum coverage against accidental damage or theft to third-party liability or own vehicle.
Claim Process: Follow the below-mentioned steps to file a claim with Adamjee Car Insurance plan:
Contact the Motor Insurance department of the company through email, call, fax, or letter as soon as possible.
Apart from this, the insured must inform the local law enforcement authorities as early as possible.
6. Travel Insurance
Traveling is fun, but one should always be prepared for the worst in his/her life as an unexpected situation can occur any day any time. Therefore, if some unforeseen situations like baggage loss, sudden illness, or end moment trip cancellation incur, one may come across the heavy monitory loss. Therefore, in order to overcome such a situation while traveling, it is suggested to have a travel insurance plan.
- The ‘Go Safe’ insurance policy of Adamjee General Insurance offers a claim settlement feature in overseas locations as well.
- The company with the help of ‘SOS' provides worldwide customer support service round the clock.
Inclusions: The inclusions of this policy are:
In case of trip curtailment, hotel accommodation is arranged.
Worldwide embassy and consulate referral. Inoculation and Visa services.
Transport arrangement in case of medical emergency.
Recovery assistance in case of luggage and passport loss and availability of emergency cash.
Delivery of the medicines those are not available at the destination.
24X7 international claim settlement hotline.
Simple and quick claim processing
Eligibility: The eligibility criteria for taking this insurance plan are:
Any individual falling in the age group of 6 months to 65 years is covered.
Any individual falling in the age group of 65 years to 85 years is insured with extra premium.
7. Agriculture Insurance
Under this insurance plan, the following policies are covered:
Crop Insurance
Livestock Insurance
Crop Insurance:
The agriculture sector is one of the largest sectors and to provide insurance coverage to it, a crop insurance policy is introduced by the Adamjee Insurance Company.
Benefits and Inclusions: The insurance company refunds the loan taken from the bank in case of damage of the corps. The farmers get financial help for cropping.
Livestock Insurance:
In order to meet the requirements of the farmers, the company has introduced this insurance policy.
Benefits & Inclusions: The benefits and inclusions are:
To protect livestock
The plan gives the payment to the owner in case of death of livestock according to the guidelines.
Livestock care
Availability of professional veterinary doctor
Notes: These policies can be customized as per the needs of the insured.
8. Miscellaneous
The miscellaneous insurance plan covers various insurance plans that include a group health plan, public liability cover, personal accident cover, insurance for financial institutions, liabilities of the employers, aviation industry, etc.
The wide range of miscellaneous insurance plans covered is:
Great Customer Service!My experience with shopping for comprehensive car insurance from Policybazaar was great. They helped me with all my questions and made the process easy. I would definitely recommend them to a friend!
Adam Dubai, March 14, 2023
β β β β β
Recommend policybazaar.ae for TPL car insuranceI recently purchased a third party liability (TPL) car insurance plan from policybazaar.ae and was pleased with the experience. The process of purchasing the insurance was straightforward and the customer service team was helpful and efficient. I appreciate the more affordable price of TPL insurance compared to comprehensive coverage and feel confident in the protection it provides for damages or injuries to other vehicles or property in the event of an accident. Overall, I would recommend policybazaar.ae for TPL car insurance.
Muhammad Omair AdilSharjah, March 14, 2023
β β β β β
AXA Comprehensive Car Insurance Offers Maximum Coverage!I recently purchased the AXA comprehensive car insurance plan and am very pleased with the coverage and customer service. The policy was easy to understand and the customer service representatives were very helpful in answering all my questions. The premiums are very reasonable and I feel secure that I'm covered for any accidents or damages to my car. I highly recommend this plan to anyone looking for reliable car insurance.
Bashiruddin Ali AnsariDubai, January 30, 2023
β β β β β
Purchase Car Insurance from Policybazaar for In-Season Discounts!I purchased car insurance from Policybazaar at a time when there were special discounts on premiums which made the insurance plan more affordable. Besides the discounts, the main thing I liked about the portal was that there were leading insurance providers providing the top plans. The entire purchasing process was smooth and hassle-free. The insurance experts are particularly helpful. I recommend everyone get their car insurance from Policybazaar.
faizalAl Ain, January 28, 2023
β β β β β
Instant Renewal Notifications!I managed to renew my car insurance on time thanks to the constant renewal reminders during the grace period from Policybazaar. The portal not only offered me the option to continue with the same policy but also listed more car insurance plans from the leading providers in the country. I switched my provider and got an upgrade.
Faiz SayedDubai, January 28, 2023
β β β β β
Renewed my TPL car insurance on Policybazaar!I was looking for a good TPL in Dubai online when I came across Policybazaar. The website listed the best TPL insurance plans from the leading providers. I studied every plan and managed to secure the plan that meet my needs. I highly recommend people to use this website to get great deals on car insurance plans.
Fakhir HamidAl Ain, January 28, 2023
β β β β β
Purchased a Comprehensive Car Insurance for my Second-hand Toyota!I purchased a comprehensive car insurance policy that was specific to my second-hand Toyota car on Policybazaar. Even though the car is second-hand, the TPA listed the best suitable insurance plans at affordable premium rates. No doubt Policybazaar caters to all cars no matter brand new or second-hand!
FaiyazAbu Dhabi, January 28, 2023
β β β β β
Applied for car insurance at the convenience of home!I was tired of visiting several insurance providers every day to get the perfect insurance plan. This is when my neighbour suggested that I should browse the same plans online on Policybazaar. Believe it or not, the experience of online browsing was much better than visiting every insurance company. Policybazaar had the top car insurance plans from the leading insurance providers in the UAE. All the policy features and premium rates were mentioned on the quotes page. The best part was that I could apply for the insurance there and then by just clicking the βAPPLYβ button.
Faisal TariqSharjah, January 28, 2023
β β β β β
Got a Promising Comprehensive Car Insurance Plan at an Affordable Premium!I recently purchased a comprehensive car insurance plan from the leading insurance provider for my brand-new Hyundai i20 on Policybazaar. I had the freedom to compare several comprehensive car insurance plans and chose the best one with an affordable premium.
FalahDubai, January 26, 2023
β β β β β
Managed to Compare Car Insurance Plans Easily!Policybazaar helped me gain clarity about different car insurance plans from the leading car insurance providers. I could compare the plans for their coverage, features and premium. I managed to select the plan that suited my budget. I will recommend this portal to my friends as well.
4x4 Car Insurance: Off-road insurance coverage is an add-on cover that can be combined with the basic comprehensive car insurance cover available in the UAE.
If you have been waiting to renew/buy a car insurance, now is the perfect time! Accident claim free record owners can now claim a discount of up to 20% on their car insurance premiums.
Rent a Luxury Car in Dubai - Owning a luxury car is fun, but it also comes at a cost. Starting from the initial purchase to its maintenance and insurance, you need to have a deep pocket to manage it.
Tips for Senior Citizens - Before Driving All Elderly Should Know About Safety Guidelines & Precautions in UAE. Read Top 7 Driving Tips for the Elderly and Avoid to Get Hurt While Driving.
Traffic Signs in UAE - Know All About Road Signs in the UAE. You should Aware of Mandatory Road Signs, Parking, Trailblazing, Prohibitory Road Signs and Advance Guide Signs and many more.
Know About RTA Approved Driving Licence Eye Test Centres in Dubai. Also Get All Details of Licence Eye Test Centres Like Branch Name, Address, Timing & Contact Details.
Know 7 Reasons and Benfits to Buy Car Insurance Plan online in UAE. Avail wide range of Attractive Offers and Discounts, Compare Plans, 24X7 Claims and Assistance and Renew without a Hassle and More!
Dubai Car Number Plate - Here You Can Read All About Dubai Car Number Plates, Number Plate Type, How To Apply, Apply Through RTA Website, Dubai Drive App & Transfer Dubai Car Number Plate Ownership
Dubai Police Cars - Check List of Dubai Police car fleet π. Dubai police carsΒ fleet has a huge variety of vehicles that ranges from coupes to luxury sedans to SUVs.
Abu Dhabi Police Cars - Check List of Abu Dhabi Police Car Fleet π. Abu Dhabi police carsΒ fleet has a huge variety of vehicles that ranges from coupes to luxury sedans to SUVs.
Mawaqif Top-Up : Mawaqif is a paid parking system authorised by the Department of Transport (DoT) in Abu Dhabi. The programme was initiated in 2009 to ensure seamless parking management in the Emirate.