# GiG Gulf Comprehensive Car Insurance **Published:** 2023-04-13 **Updated:** 2025-10-08 **Author:** Nupur Jain **Reviewer:** Toshita Chauhan Balochi **Original Url:** https://www.policybazaar.ae/car-insurance/gig-gulf-comprehensive-car-insurance/ **We are Rated:** 4.7/5 **Review Count:** 46,158 [Reviews](https://maps.app.goo.gl/Ry9H7NLgFAGso8gZ7) **Insurance Partners:** 35+ **Trusted Customers:** 2 Million+ **Policies Sold:** 1 Million+ Table of Content * [GIG Gulf Comprehensive Car Insurance Vs Third Party Car Insurance  - A Comparison](#gig-gulf-comprehensive-car-insurance-vs third-party-car-insurance --a-comparison) * [List of GIG Gulf Comprehensive Car Insurance Plans UAE, Dubai](#list-of-gig-gulf comprehensive-car-insurance-plans-uae-dubai) * [Benefits of Buying Comprehensive Car Insurance From GIG Gulf in Dubai, UAE](#benefits-of-buying-comprehensive-car-insurance-from-gig-gulf in-dubai-uae) * [GIG Gulf Inclusions Comprehensive Car Insurance - Inclusions](#gig-gulf-inclusions-comprehensive-car-insurance--inclusions) * [GIG Gulf Comprehensive Car Insurance - Exclusions](#gig-gulf-comprehensive-car-insurance--exclusions) * [FAQs](#faqs) One of the best insurance companies in the UAE, GIG Gulf has experience of over 70 years in the insurance industry. Offering unmatched plans and policies, round-the-clock customer service and quick and hassle-free claim settlements, GIG Gulf aims to provide a financial cushion to the policyholder in times of need. To reduce the burden and stress of vehicle owners in the UAE, GIG Gulf offers two kinds of auto insurance - third party insurance and comprehensive insurance. GIG Gulf [comprehensive car insurance](https://www.policybazaar.ae/comprehensive-car-insurance-cic/) is the most popular and offers additional benefits and optional extras. Buy GIG Gulf comprehensive car insurance and enjoy benefits like complimentary airport pick-up and drop-off, discounts on local and international car rentals, regular SMS updates and discounts. While third party liability is a prerequisite in the UAE, comprehensive car insurance also safeguards the insured vehicle from accidents, theft, fire and natural calamities. Considering investing in GIG Gulf comprehensive car insurance? Read here to know more. ## GIG Gulf Comprehensive Car Insurance Vs Third Party Car Insurance - A Comparison [GIG Gulf car insurance](https://www.policybazaar.ae/axa-car-insurance-cipvd/) offers both comprehensive and [third party car insurance](https://www.policybazaar.ae/third-party-car-insurance-cic/). There are two kinds of GIG Gulf comprehensive car insurance - Prestige and Perfect, and basic third party car insurance. If you are confused about which insurance policy to opt for, then see the comparison chart. Comprehensive car insurance provides coverage for damages incurred to the insured vehicle, as well as bodily injury or property damage caused to a third party. The third party insurance does not cover damage to the insured vehicle. | Features | Motor Prestige Comprehensive Car Insurance | Motor Perfect Comprehensive Car Insurance | Third Party Car Insurance | | --- | --- | --- | --- | | Damages to the insured vehicle | Covered | Covered | Not Covered | | Damage to third party bodily injuries | Covered | Covered | Covered | | Damage to third party property | Coverage up to AED 5 million | Coverage up to AED 3.5 million | Coverage up to AED 3.5 million | | Theft, fire and natural calamity cover | Covered | Covered | Not Covered | | Personal injury coverage | AED 20,000 | AED 20,000 | Not Covered | | Emergency medical benefits | AED 6,000 | AED 3,500 | Not Covered | | Personal belonging cover | Up to AED 4,000 | Up to AED 4,000 | Not Covered | | Personal accident cover for driver | Optional, up to AED 350,000 | Optional, up to AED 200,000 | Optional, up to AED 200,000 | | Personal accident cover for passengers | Optional, up to AED 200,000 | Optional, up to AED 200,000 | Optional, up to AED 200,000 | | Back to invoice for complete loss | 1 year from the registration date | 6 months from the registration date | Not Applicable | | Oman Cover | Covered | Covered | Optional | | Excess windscreen damage | Covered | Up to AED 5,000 | Not Covered | | Round-the-clock car recovery | Covered | Covered | Covered | | Car rental benefits | Up to AED 1,500 | Optional, up to 7 days | Not Covered | | No claims bonus | Yes | Yes | Yes | ## List of GIG Gulf Comprehensive Car Insurance Plans UAE, Dubai GIG Gulf insurance offers two kinds of comprehensive car insurance - Motor Prestige and Motor Perfect. GIG Gulf comprehensive car insurance policies cover damages or losses to the insured vehicle as well third party liabilities. The plan can be opted for if the insured vehicle is less than 15 years. **Let us see the difference between Motor Prestige and Motor Perfect GIG Gulf comprehensive car insurance:** | Type of Insurance | Features | Accident Covers | | --- | --- | --- | | Motor Prestige Comprehensive Car Insurance | Covers damages to third party bodily injury
Covers damages to third party property up to AED 5 million
Coverage for damages from theft, fire or natural calamities
Windscreen damage waiver
Total reimbursement for complete loss of invoice value for 1 year | Personal belonging cover of up to AED 4,000
Personal accident insurance for driver up to AED 350,000
Personal accident insurance for passengers up to AED 200,000
Car rent benefits up to AED 1,500 | | Motor Perfect Comprehensive Car Insurance | Covers damages to third party bodily injury
Covers damages to third party property up to AED 3.5 million
Coverage for damages from theft, fire or natural calamities
Windscreen damage waiver up to AED 5,000
Total reimbursement for complete loss of invoice value for 6 months | Personal belonging cover of up to AED 4,000
Personal accident insurance for driver up to AED 250,000
Personal accident insurance for passengers up to AED 200,000
Car rent benefits up to 7 days | ## Car Insurance Addons [Personal Accident Cover](https://www.policybazaar.ae/car-insurance/addons-personal-accident-cover/) [Replacement Car Cover](https://www.policybazaar.ae/car-insurance/addons-replacement-car-cover/) [Agency Repair](https://www.policybazaar.ae/car-insurance/addons-agency-repair/) [Return to Invoice Cover](https://www.policybazaar.ae/car-insurance/addons-return-to-invoice-cover-car-insurance/) [Roadside Assistance Cover](https://www.policybazaar.ae/roadside-assistance-in-car-insurance-cover-ciart/) [No Claim Bonus](https://www.policybazaar.ae/no-claim-bonus-ciart/) [Insured Declared Value](https://www.policybazaar.ae/everything-you-need-to-know-about-idv-in-the-uae-ciart/) [Air Bag Protection](https://www.policybazaar.ae/car-insurance/articles/airbag-protection-cover/) [Zero Depreciation Car Insurance](https://www.policybazaar.ae/know-about-zero-depriciation-car-insurance-ciart/) [Passenger Cover With Car Insurance](https://www.policybazaar.ae/passenger-cover-with-car-insurance-ciart/) [Engine Protection Cover](https://www.policybazaar.ae/engine-protection-cover-in-car-insurance-ciart/) [Car Key Replacement Cover.](https://www.policybazaar.ae/car-insurance/addons-car-key-replacement-insurance/) ## Benefits of Buying Comprehensive Car Insurance From GIG Gulf in Dubai, UAE GIG Gulf comprehensive car insurance offers all-round protection to the insured vehicle and the policyholder - covering personal damage, third party damage and all the passengers as well. Some benefits of investing in this insurance are: * GIG Gulf comprehensive car insurance includes third party cover, which covers liability towards damages caused to third parties. The third party cover includes injuries, death or permanent disability, as well as property damage. * If you buy GIG Gulf comprehensive [car insurance online](https://www.policybazaar.ae/car-insurance/), then you can get a 10% discount, along with access to a plethora of complimentary services and extras. * Regular updates via SMS regarding any updates on claims. * Round-the-clock customer support that manages any queries that the policyholder may have. Call 800 GIG Gulf (292) for assistance. * The customer service team speaks more than 15 languages. * Option to repair the insured vehicle at either the dealership/agency or at any of GIG Gulf approved network garages. * In case of road trips to Oman, the option of Oman extension coverage. * Free replacement car when the insured car is in the garage for repairs. * Coverage for the insured vehicle cost as per the original purchase invoice in case of complete loss and damage. * RTA inspection is done on behalf of the policyholder. * 24\*7 roadside assistance services. * Off-road coverage. ## GIG Gulf Inclusions Comprehensive Car Insurance - Inclusions If you have GIG Gulf comprehensive car insurance, then you are covered not only for third party liability but also for damages and losses caused to the insured vehicle. Some of the inclusions of the policy are: * Third party liability in case of any bodily injury, disability or death * Third party liability in case of property damage * Legal liability is extended to cover the insured person’s family * In case of road trips to Oman, Oman extension cover * Personal accident cover for the vehicle’s driver * Personal accident cover for the vehicle’s passengers * Round-the-clock breakdown recovery ## GIG Gulf Comprehensive Car Insurance - Exclusions Gcomprehensive car insurance has many covers and benefits; however, it does not cover third party liability that arises in the following cases: * Any accidents or damages that happen outside the specified geographical area * Accidents or damages that occur due to direct or indirect connection with radioactivity, nuclear fuel or nuclear waste * Accidents or damages that occur if the insured vehicle is being driven outside public roads * Accidents or damages that occur if the insured vehicle is used in races, speeding trials or rallies * Accidents or damages that occur to the insured vehicle in case of war, war-like situations, invasions or rebellions * Damages, loss or injury that occurs as a direct or indirect result of actions taken to prevent any of the clauses listed, is also not covered under GIG Gulf comprehensive car insurance | Top UAE Comprehensive Car Insurance | | --- | | [Insurance House Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/insurance-house-comprehensive-car-insurance/) | [New India Assurance Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/new-india-assurance-comprehensive-car-insurance/) | | [ADNIC Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/adnic-comprehensive-car-insurance/) | [RAK Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/rak-comprehensive-car-insurance/) | | [Sukoon Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/sukoon-comprehensive-car-insurance/) | [Tokio Marine Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/tokio-marine-comprehensive-car-insurance/) | | [Liva Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/liva-comprehensive-car-insurance/) | [Adamjee Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/adamjee-comprehensive-car-insurance/) | | [Watania Takaful Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/watania-takaful-comprehensive-car-insurance/) | [AFNIC Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/afnic-comprehensive-car-insurance/) | | [Oriental Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/oriental-comprehensive-car-insurance/) | [Al Wathba Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/al-wathba-comprehensive-car-insurance/) | | [Salama Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/salama-comprehensive-car-insurance/) | [Union Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/union-comprehensive-car-insurance/) | | [Abu Dhabi National Takaful Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/abu-dhabi-national-takaful-comprehensive-car-insurance/) | [Orient Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/orient-comprehensive-car-insurance/) | | [DNIR Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/dnir-comprehensive-car-insurance/) | [Watania Takaful Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/watania-takaful-comprehensive-car-insurance/) | | [Al Sagr National Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/al-sagr-national-comprehensive-car-insurance/) | [DIC Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/dubai-comprehensive-car-insurance/) | ## FAQs ### Q1. What is the procedure to file a claim under GIG Gulf comprehensive car insurance? **Ans:** Filing a claim under GIG Gulf comprehensive car insurance is easy and hassle-free. Follow these steps to start the claim proceedings: * Report the incident to the police immediately. * Inform GIG Gulf’s motor insurance department of the incident as well. * Fill out the claim form with the required information, upload the documents and submit the form online. * GIG Gulf’s competent team of professionals will look into the matter and resolve the claim at the earliest. ### Q2. Can I get any add-on services to my GIG Gulf comprehensive car insurance? **Ans:** Your GIG Gulf comprehensive car insurance offers the benefits of these add-ons: * Roadside assistance * No claims bonus * Personal accident cover * Engine protection cover * Passenger cover * IDV (Insured Declaration Value) ### Q3. Can I buy GIG Gulf comprehensive car insurance for my vehicle which is 7 years old? **Ans:** Yes, GIG Gulf comprehensive car insurance can be purchased for vehicles that are fifteen years or lesser. ## Car Insurance for Popular Car Brands in UAE [Toyota Car Insurance](https://www.policybazaar.ae/car-insurance/toyota/) [BMW Car Insurance](https://www.policybazaar.ae/car-insurance/bmw/) [Hyundai Car Insurance](https://www.policybazaar.ae/car-insurance/hyundai/) [Nissan Car Insurance](https://www.policybazaar.ae/car-insurance/nissan/) [Jaguar Car Insurance](https://www.policybazaar.ae/car-insurance/jaguar/) [Ford Car Insurance](https://www.policybazaar.ae/car-insurance/ford/) [Kia Car Insurance](https://www.policybazaar.ae/car-insurance/kia/) [Porsche Car Insurance](https://www.policybazaar.ae/car-insurance/porsche/) [Bentley Car Insurance](https://www.policybazaar.ae/car-insurance/bentley/) [Chevrolet Car Insurance](https://www.policybazaar.ae/car-insurance/chevrolet/) [Honda Car Insurance](https://www.policybazaar.ae/car-insurance/honda/) [Volkswagen Car Insurance](https://www.policybazaar.ae/car-insurance/volkswagen/) [Audi Car Insurance](https://www.policybazaar.ae/car-insurance/audi/) [Mitsubishi Car Insurance](https://www.policybazaar.ae/car-insurance/mitsubishi/) [Tesla Car Insurance](https://www.policybazaar.ae/car-insurance/tesla/)