Liva vs GIG Gulf Car Insurance : Two Very Different Ways to Insure the Same Car

Liva Insurance vs GIG Gulf car insurance in the UAE is not just about which one has more features. It focuses on how each insurer guides you to choose coverage, how protection increases with each plan, and what kind of experience you can expect during your policy year.

How Do Liva and GIG Gulf Structure Car Insurance Plans?

Most motor insurance comparisons focus right away on benefits. However, this can miss the bigger picture: how each insurer wants you to choose your coverage. In the case of Liva vs GIG Gulf car insurance in UAE, the main difference starts with how their plans are designed, even before you look at inclusions or add-ons.

1. Liva Car Insurance

Liva offers three clear levels of car insurance.

Motor Value – Third-party liability only
Motor Smart – Comprehensive cover with enhanced protection
Motor Executive – The highest level, where optional covers are already bundled in

Liva motor insurance is built on the idea of progression. As you choose higher plans, your coverage grows automatically with higher limits and more included benefits. This way, you don’t have to pick many add-ons yourself.

2. GIG Gulf

GIG Gulf takes a more modular, tier-based approach to motor insurance. Its plans are structured as —

Motor Third Party – Legal minimum cover
Motor Perfect – Comprehensive insurance with core coverage features
Motor Prestige – Comprehensive insurance with higher limits and extended benefits

With GIG Gulf car insurance, moving up a tier does more than add features. It also increases the limits for third-party property damage, emergency medical expenses, agency repair, and total loss protection.

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Coverage Across Plans in Terms of Liva vs GIG Gulf Car Insurance

The table compares how the protection increases from basic to top-tier plans under Liva Car Insurance and GIG Gulf Car Insurance.

Coverage Feature	Liva Insurance Car Insurance	GIG Gulf Car Insurance
Plan structure	Three levels — Motor Value (Third Party), Motor Smart (Comprehensive), and Motor Executive (Top Tier)	Three tiers — Motor Third Party, Motor Perfect (Comprehensive), and Motor Prestige (Top Tier)
Entry-level cover	Pure third-party liability under Motor Value	Third-party liability under Motor Third Party
Comprehensive protection starts at	Motor Smart	Motor Perfect
Own-damage cover (insured vehicle)	Introduced at Motor Smart; enhanced and bundled at Motor Executive	Introduced at Motor Perfect; continues through Motor Prestige
Fire, theft, storm, flood, riot & strike	Included under comprehensive plans	Included under Motor Perfect and Motor Prestige
Third-party bodily injury	Covered as per UAE court awards across all plans	Covered as per UAE court awards across all plans
Maximum third-party property damage limit	Increases with higher plans (as per Motor Executive limits)	Goes up to AED 5 million under Motor Prestige
Emergency medical expenses	Included under comprehensive plans — higher limits with Motor Executive	Included under comprehensive plans, with higher limits at Motor Prestige
Personal belongings cover	Included from Motor Smart; higher limits under Motor Executive	Included from Motor Perfect
Personal accident cover (driver & passengers)	Bundled within higher plans (Motor Smart / Motor Executive)	Optional across comprehensive tiers
Agency repair eligibility	Included under higher-tier plans	Optional under Motor Perfect; included up to 5 years under Motor Prestige
Off-road cover (4WD)	Included under comprehensive plans	Included under Motor Perfect and Motor Prestige
Oman cover	Included under comprehensive plans (own-damage only)	Included under Motor Perfect and Motor Prestige
Hire car / loss of use benefit	Included under comprehensive plans; enhanced at top tier	Included under Motor Prestige; limited/optional under Motor Perfect
Total loss protection	Enhanced protection at Motor Executive	Back-to-invoice protection up to 24 months under Motor Prestige
Overall design approach	Coverage expands mainly through bundled benefits as you move up plans	Coverage expands mainly through higher limits and premium-tier upgrades

Common Exclusions Under Liva vs GIG Gulf Car Insurance in UAE

Before choosing between Liva vs GIG Gulf car insurance in UAE, it’s important to know what both insurers do not cover. These exclusions apply whether you pick third-party or comprehensive insurance, and are mostly set by UAE motor insurance rules.

Exclusion category	Liva Insurance Motor Insurance & GIG Gulf Motor Insurance
Driving under the influence	Not covered
Driving without a valid licence	Not covered
Use outside declared purpose (e.g., commercial use for private car)	Not covered
Participation in racing, rallies, or speed testing	Not covered
Wear and tear, depreciation, or mechanical failure	Not covered
Electrical or mechanical breakdown not caused by an accident	Not covered
Damage to tyres alone (without other insured damage)	Not covered
Off-road driving without explicit off-road cover	Not covered
Accidents outside the UAE without an approved extension	Not covered
War, invasion, civil unrest, or nuclear risks	Not covered
Loss due to deliberate or intentional acts	Not covered

Add-Ons and Optional Covers: Liva vs GIG Gulf Car Insurance

Add-ons are what make a car insurance policy flexible. Both insurers offer third-party and comprehensive cover as standard, but they handle add-ons differently. Some are bundled, some are optional, and some depend on the plan tier.

Add-on / Optional Cover	Liva Insurance Car Insurance	GIG Gulf Car Insurance
Personal accident – driver	Included in higher plans (Motor Smart / Motor Executive)	Optional across Motor Perfect & Motor Prestige
Personal accident – passengers	Included in higher plans	Optional across comprehensive tiers
Personal belongings cover	Included under comprehensive plans — enhanced in the top tier	Included under Motor Perfect & Motor Prestige
Off-road cover (4WD vehicles)	Included under comprehensive plans	Included under Motor Perfect & Motor Prestige
Oman cover	Included under comprehensive plans (own-damage only)	Included under Motor Perfect & Motor Prestige
GCC cover	Available where explicitly stated in the policy schedule	Optional under Motor Perfect & Motor Prestige
Agency repair	Included under higher-tier plans	Optional (up to 5 years) under Motor Perfect Included (up to 5 years) under Motor Prestige
Windscreen damage excess waiver	Included under comprehensive plans	Included under Motor Prestige (subject to stated limits)
Hire car / loss of use	Included under comprehensive plans — enhanced with Motor Executive	Optional / limited under Motor Perfect — included under Motor Prestige
Pickup & delivery for claims	Not stated as a standard add-on	Included under Motor Prestige

Claims Reporting & Support channels

The table below compares how you reach the insurer and initiate a motor claim under Liva vs GIG Gulf car insurance in UAE.

Claims & Support Element	Liva Insurance Car Insurance	GIG Gulf Car Insurance
Claims reporting method	Claim notification as per policy wording and claim form	Online claim submission and call centre
Claims contact number (UAE)	800 774	800 292
International claims contact	As per policy wording	+971 4 507 4000
Police report requirement	Mandatory for motor accident claims	Mandatory for motor accident claims
Claims reference communication	As per the insurer claim acknowledgement process	Claim reference shared via SMS and email
Workshop allocation	As per the approved repairer network listed by insurer	Approved workshop assigned as per the policy tier
Pickup & delivery (claims)	Not stated in policy documents	Included for higher-tier plans

Liva vs GIG Gulf — Which Motor Insurance Suits You Better?

After comparing plan structure, coverage depth, add-ons, exclusions and support experience, the choice between Liva Insurance and GIG Gulf comes down to how you like your insurance to be designed and managed, not which brand is “better”.

If This Describes You…	Liva Car Insurance	GIG Gulf Car Insurance
You want clear plan levels where benefits are bundled as you move up	✔️(Choose This)	-
You prefer choosing one coverage level instead of multiple add-ons	✔️(Choose This)	-
You like knowing what is included upfront at each plan stage	✔️(Choose This)	-
You want flexibility to upgrade limits and services gradually	-	✔️(Choose This)
You are concerned about higher third-party damage exposure	-	✔️(Choose This)
You own a newer or higher-value car and want higher protection ceilings	-	✔️(Choose This)
You want personal accident and core benefits bundled, not optional	✔️(Choose This)	-
You are comfortable selecting optional covers and premium tiers	-	✔️(Choose This)
You value simplicity over customisation	✔️(Choose This)	-
You value scalability and premium service layers	-	✔️(Choose This)

How to Interpret This?

This is not a comparison of which company offers “more benefits”.

Liva Car Insurance suits those who prefer simplicity, bundled protection, and fewer choices to make. As you move from Motor Value to Motor Executive, your coverage grows by including more features, not by requiring extra customisation.
GIG Gulf Motor Insurance is a good fit for those who want more control, higher limits, and flexible premium options. As you move from Motor Perfect to Motor Prestige, your coverage increases with higher limits and extra service features.

Both options are valid. They just reflect different ways people like to buy insurance.

FAQs: Liva vs GIG Gulf Car Insurance in UAE

There is no single ‘better’ option, as both the companies are built differently. Liva focuses on clearly defined plan levels with bundled benefits. GIG Gulf, meanwhile, offers tier-based plans where limits and services increase as you move up. The better choice depends on whether you prefer simplicity or scalability.

Liva offers 3 motor insurance plans —

Motor Value – Third-party liability cover
Motor Smart – Comprehensive cover with enhanced protection
Motor Executive – The highest level, where optional covers are bundled

GIG Gulf provides motor insurance across 3 tiers —

Motor Third Party
Motor Perfect – Comprehensive cover
Motor Prestige – Top-tier comprehensive cover with higher limits and added services

Under GIG Gulf car insurance, third-party property damage limits can go up to AED 5 million under the Motor Prestige plan. Liva’s limits increase with higher plans but follow a bundled structure rather than a clear, tier-by-tier increase.

With Liva Car Insurance, personal accident benefits are generally included in higher plans. With GIG Gulf Car Insurance, personal accident cover is optional, even under comprehensive plans.

Yes, both insurers offer Oman cover under comprehensive plans, usually for own-damage only. Wider GCC cover is optional and must be clearly stated in the policy documents.