What is Oman Extension

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*Above mentioned prices are for Nissan Altima S2.5 L, 2017 model.

Having car insurance is mandatory in the UAE. This rule, however, is beneficial as car insurance covers your vehicle in case it is stolen or damaged in an accident. When purchasing car insurance in the UAE, several car owners miss out on including add-on covers to decrease the amount paid as a premium. However, by not choosing the add-ons (like personal accident cover, road assistance, Oman Extension), both the car and the car owners are at higher risk of paying a considerable amount from their pocket in case of an accident. 

It is crucial to get the required add-ons if the insurance basics do not complete the plan. This is especially so for individuals who wish to travel to Oman by car for any purpose. The following article offers insights into Oman Extension cover in the UAE, its significance, and what insurance plans offer this add-on.

What is Oman Extension?

As a part of the GCC coverage, Oman Extension can be included in your car insurance on an online portal, in person at the insurance provider’s office, or at the Oman-UAE border itself. This rider extends the coverage scope of your car insurance taken in the UAE and enables you to avail of the benefits of the car insurance. It lets you file a claim for the damages done to the car in Oman. However, it does not provide any third-party coverage, thus requiring you to purchase a third-party cover either at the border or online.

Best Plans in UAE Offering Oman Extension Cover

PLAN NAME

ACCIDENT COVER

PLAN DETAILS

ADD-ON COVERS

AXA Third Party Only

  • Driver Cover - Free (limit of AED 200,000)
  • Passenger Cover - Free (limit of AED 200,000)
  • Third-Party Damage Limit - AED 2 million
  • Third-Party Liability only in the UAE
  • Car registration service - Once a year
  • Vehicle maintenance pick and drop facility - Once a year
  • Oman Extension Cover - AED 100
  • Roadside assistance - Free (and compulsory)
  • Driver and Passenger Cover - Free (Up to AED 200,000 cover)

Noor Takaful - Noor Comprehensive (Mumtaz Garage)

  • Driver Cover - Free (up to AED 200,000)
  • Passenger Cover - Free (up to AED 20,00 cover)
  • Third-Party Damage Limit - AED 3 million
  • Third-Party Liability - Only in UAE
  • Damage to your vehicle - Covered in both Oman and UAE
  • Loss of Personal Belongings - Covered (up to AED 5,000)
  • Windscreen Excess Waiver - AED 5,000
  • Personal Injury - up to AED 10,000
  • Off-Road Cover - for StationWagon/ SUV/ 4WD: up to 500m off the road
  • Fire and Theft Cover - Covered
  • Emergency Repair Expense - up to AED 1,000
  • Lock Replacement - up to AED 3,000
  • Cover against damages due to riots/ MD/ strike - Covered
  • Natural Calamity Cover – Free
  • Oman Cover
  • For hatchback/ sedan/ saloon - Own Damage only (Free)
  • For StationWagon/ SUV - Orange Card (Free)
  • Roadside Assistance - Gold (Free)
  • Vehicle Replacement - AED 100 (for 7 days)
  • DynaTrade Repair - AED 75

Salama Insurance - Salama Insurance Comprehensive (DynaTrade)

  • Driver Cover - Free (up to AED 200,000)
  • Passenger Cover - Free (up to AED 200,000)
  • Third-Party Damage Limit - up to AED 3.5 million
  • Third-Party Liability - Covered in UAE and Oman
  • Damage to your car - UAE & Oman
  • Car registration service - Once a year
  • Car Replacement (due to Total Loss) - up to six months (for new vehicles only)
  • Windscreen Damage - up to AED 4,000
  • Emergency medical expenditure - AED 5,000
  • Lock replacement - up to AED 1,000
  • Fire and Theft Cover - Covered
  • Child car seat replacement - up to AED 2,000
  • Oman Extension Cover (Orange Card) - own and third-party damage for one year (Free)
  • Roadside Assistance - Free
  • Natural Calamity Cover - Free
  • Vehicle Replacement (within 10 days) - Free

Tokio Marine - Tokio Marine Comprehensive (Garage)

  • Driver Cover - Free (cover of up to AED 200,000)
  • Passenger Cover - Free (up to AED 200,000 cover)
  • Third-party damage limit - up to AED 3 million
  • Third-party liability - for UAE only
  • Damage to your vehicle - Covered in both UAE and Oman
  • Coverage in case of damage due to riots, strikes, or MD
  • Loss of personal belongings - up to AED 2,500
  • Windscreen Excess Waiver - Once during the policy tenure
  • Car replacement for new cars in case of complete loss - up to six months
  • Coverage for fire and theft
  • Emergency medical expenses - AED 3,000 per person
  • Accident and breakdown recovery – Covered
  • Oman Extension Cover - for own damages only (Free)
  • Natural Calamity Cover - Free
  • Roadside Assistance - Available for free
  • Vehicle Replacement - free up to 20 days (AED 100 additional charge for 30 days) 

Al Wathba - Al Wathba Comprehensive (Garage)

  • Driver Cover - Free (up to AED 200,000 cover)
  • Passenger Cover - Free (up to AED 200,000)
  • Third-Party Damage Limit - up to AED 2 million
  • Third-Party Liability - UAE only
  • Damage to your car - UAE and Oman
  • Loss of personal belongings - up to AED 1,000
  • Windscreen Excess Waiver - up top AED 1,500
  • Fine and Theft cover - Yes
  • Free international driving license
  • Oman Extension Cover - for own damage only (free)
  • Car replacement - for up to 7 days (AED 60)
  • Roadside Assistance - Free
  • Natural calamity cover – Free

What are GCC Modified Cars?

The cars in GCC nations are required to be optimally designed and insured to meet the rugged environment of these countries. Following are the specifications for GCC cars particularly in the Gulf states - 

  • Additional Rust Protection – As the humidity is higher in Gulf countries, particularly near the sea, cars are easily rusted there. The GCC-specific vehicles, thus, need to have rust protection to prevent rusting.
  • Air Conditioning Modifications -  The air conditioners of these specific cars are designed and modified to handle the extreme temperatures of these countries 
  • Modifications in Radiators - The radiators in cars modified for Gulf nations are larger and enhanced to cool the car’s engine better, which is necessary owing to the intense heat 
  • Altered Filters - The cars manufactured in the area have stronger filters and can tackle excessive dust and sand better.

Other Car Insurance Add-ons apart from Oman Extension

The following are the add-on covers that you can consider including along with the Oman Extension cover in your car insurance -

  • Personal accident cover
  • Replacement cars
  • Roadside assistance
  • Agency repair (where repairs are done in the garage of the car manufacturer (brand’s workshop) and only genuine spare parts are used)
  • Off-roading cover - gives you the liberty to explore the deserts and rugged terrains of Dubai
  • Fire and theft cover
  • Tyre replacement cover
  • Return to invoice
  • No depreciation cover
  • Engine protection cover
  • Consumables cover

To Conclude

Oman Extension cover is a necessary add-on that extends the geographical coverage of car insurance to also include Oman, helping you avail of the benefits of the car insurance in Oman. However, while you can file a car insurance claim for the damages done to your car, most car insurance providers don’t provide cover with respect to third-party insurance. Thus, if you wish to have third-party insurance included with the Oman extension, you may be required to purchase it separately on the border or online. 

Other important car insurance add-ons besides the Oman extension are personal accident cover, roadside assistance, fire and theft cover, off-road cover, agency repair, tyre replacement cover, and return to invoice cover. 

If you plan to purchase a car insurance policy with Oman extension, you can simply continue on policybazaar.ae. On our website, you will find the best offers related to car insurance in UAE. Instead of opening multiple sites at once, you can easily check out the best plans for the same in one place and find a suitable plan with Oman extension on our website. We offer 24/7 assistance and ensure that you receive the utmost customer satisfaction.

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