GIG Gulf Car Insurance in the UAE

What is GIG Gulf Car Insurance?

GIG Gulf, officially known as Gulf Insurance Group (Gulf) B.S.C.(c), is a licensed insurance company operating in the UAE. It is registered in the Insurance Companies Register under Certificate No. 69, dated 22 January 2002. The company is headquartered on Floor 39, Churchill Executive Tower, Business Bay, Dubai.

GIG Gulf offers car insurance products that comply with the UAE Insurance Authority's Unified Motor Vehicle Insurance Policy framework, issued under Board of Directors' Decision No. 25 of 2016. This means every GIG Gulf policy meets the minimum standards set by UAE regulators. In fact, in most cases, the coverage goes beyond the minimum requirements.

What are the Types of GIG Gulf Car Insurance in the UAE?

GIG Gulf offers three car insurance products. Here is a side-by-side comparison:

What Does GIG Gulf Motor Third Party Insurance Cover?

Motor Third Party is the mandatory minimum level of car insurance in the UAE. It does not cover damage to your own vehicle, but it financially protects you and others when your vehicle causes harm to someone else.

What is Automatically Covered?

1. Death or bodily injury to any third party (unlimited coverage, based on court ruling)
2. Property damage to a third party — up to AED 3,500,000 per accident (GIG extension, above the standard AED 2,000,000 base)
3. Ambulance and medical transport costs — AED 6,770 per injured person
4. Benefit loss allowance (alternative vehicle) — up to AED 300/day, maximum 10 days, for third-party private vehicle owners choosing repair
5. Coverage extends to any licensed driver using the vehicle with your permission
6. Trailer or semi-trailer damage to third parties — as long as it is being towed by the insured vehicle

What Does GIG Gulf Motor Perfect Comprehensive Insurance Cover?

Motor Perfect is GIG Gulf's entry-level comprehensive policy. It covers both your own vehicle and third-party liability.

Automatic Benefits in Motor Perfect

1. Own vehicle damage from accidents, fire, theft, third-party wilful acts
2. Third-party liability — bodily injury (unlimited) and property damage (AED 3,500,000)
3. Riot, strikes, storm, flood and natural convulsions covered automatically
4. Windscreen damage — up to AED 5,000 (no excess, NCD protected)
5. Medical expenses — up to AED 3,500 per person per accident
6. Personal injury for insured and spouse — AED 20,000
7. Motor trade and valet parking cover
8. Roadside assistance — towing, flat tyre, battery jump-start, lockout, off-road recovery
9. New Car Replacement if under 6 months old and declared a total loss
10. RTA inspection pick-up service

Optional Add-Ons for Motor Perfect

1. Extended Agency Repair — repairs at authorised manufacturer dealers
2. Hire Car Benefit — up to 7 days, engine capacity 1.3L
3. GCC Cover — own damage cover in Oman, Saudi Arabia, Kuwait, Bahrain, and Qatar (max 30 days/trip, 90 days/year)
4. Oman Cover Extension — third-party liability included in Oman
5. Personal Accident Benefit — for driver and passengers (up to AED 200,000 per person)
6. Off Road Cover — own damage and third-party while off-road (4WD required, no racing)
7. War cover for your car

What Does GIG Gulf War Cover Include?

No comprehensive motor policy in the UAE pays for war damage and GIG Gulf's are no exception. On 21 July 2026, GIG Gulf launched an optional War Cover add-on for personal motor and commercial fleet policies.

• Add-on only, on selected plans. You need a comprehensive Motor Prestige, Motor Perfect Plus or Motor Perfect policy and a private Saloon, Sedan, SUV or 4WD. Taxis, rental cars, commercial and public transport vehicles and government or embassy vehicles are not eligible.
• You choose the limit. Three options: your car's full value less standard depreciation, AED 100,000 or AED 50,000. Whichever you pick caps what you can claim.
• Price. GIG Gulf states the add-on costs 0.5% additional premium and is clear it is not a flat fee, with the final amount depending on your car's value and the tier you choose.
• A 48-hour wait before it starts. The cover begins two days after you buy it. A claim inside that window will not be paid, so this is not something to arrange during an escalation.
• What counts as war. Fighting between countries even without a formal declaration. Invasion by a foreign power. Civil war, rebellion or revolution. Civil unrest that grows into an organised uprising. A group seizing control of a government by force.
• Where and how long. Inside the UAE only, for as long as the motor policy underneath it runs.
• Your own car only. There is no third-party liability under the add-on and your standard own-damage excess still applies to a war claim.
• Main exclusions. Nuclear, radioactive and atomic events. Goods carried for trade or business. Airport and airside operations. Any loss inside or within 500 metres of, a military base, defence site or marine port.
• Fleets are covered too. GIG Gulf offers war cover on select commercial fleet policies, the first broadly available fleet option in the UAE market.

What Does GIG Gulf Motor Prestige Comprehensive Insurance Cover?

Motor Prestige is GIG Gulf's premium comprehensive plan. It includes everything in Motor Perfect plus additional benefits for higher-value vehicles and drivers who want maximum protection.

Additional Benefits in Motor Prestige Over Motor Perfect

1. Third-party property damage limit — AED 5,000,000 (vs AED 3,500,000 in Perfect)
2. Medical expenses — AED 6,000 per person (vs AED 3,500 in Perfect)
3. Back-to-Invoice Cover for Total Loss — if the car is under 24 months old (vs 6 months in Perfect)
4. Pick Up & Delivery — GIG collects your car and returns it after repairs (automatic, not optional)
5. Hire Car Benefit — up to AED 1,500 reimbursement (vs fixed 1.3L hire in Perfect)

Does GIG Gulf Offer Roadside Assistance?

Yes. Roadside assistance is included automatically in all three GIG Gulf car insurance plans. Here is what is covered:

Service	What GIG Provides
Towing	Tow or transport your vehicle to the nearest authorised workshop after a breakdown or accident
On-Road Removal	Arrange removal if the vehicle cannot move on a paved road (up to AED 1,100 for crane use; extra cost borne by insured)
Off-Road Recovery	Recovery if stuck off-road, overturned or fallen off a slope — daytime only, 4WD vehicles only, no desert events
Flat Tyre	A GIG-approved technician changes the tyre (spare tyre/tools not provided)
Battery	Jump-start by a GIG-approved technician
Lockout	Attempt to open the vehicle lock under appropriate authority supervision

Important: Off-road recovery requires the vehicle to have four-wheel drive capability and to be used as per the manufacturer's guide. Vehicles in desert events or rallies are excluded.

What is NOT Covered by GIG Gulf Car Insurance?

Knowing what is excluded is just as important as knowing what is covered. Here are the key exclusions across all GIG Gulf motor insurance policies:

Own Damage Policy Exclusions (Motor Perfect & Prestige)

1. Indirect losses or depreciation from normal use or mechanical/electrical breakdown
2. Tyre damage, if it does not occur at the same time as damage to the rest of the vehicle
3. Damage from overloading or exceeding permitted weight, height, width, or passenger numbers
4. Racing, rallies, and speed trials
5. Driving without a valid licence
6. Driving under the influence of alcohol, narcotics, or drugs impairing control
7. Accidents outside the UAE territorial limits — unless a GCC or Oman extension rider is added
8. Natural disasters: floods, tornadoes, hurricanes, volcanoes, earthquakes
9. War, terrorism, nuclear events, civil commotion, invasion

Third-Party Exclusions (All Policies)

1. Accidents outside the UAE (absent Oman extension)
2. Natural disasters — floods, tornadoes, hurricanes, volcanoes, earthquakes
3. War, terrorism, nuclear, radioactive events, civil unrest
4. Insured, driver, or insured's employees if injured during and because of work — unless personal accident rider purchased

How to File a Car Insurance Claim with GIG Gulf?

With GIG Gulf, the claims process is quite simple. Here is what to do step by step:

Step-by-Step: After an Accident

1. Call the traffic police immediately and wait at the scene. Do not move the car if it blocks investigations, but ensure you are not obstructing traffic unnecessarily.
2. Get a police report. This report is essential. Workshops will only repair damage listed on the report. If there is a bodily injury or personal property damage, make sure that these details are included on the report.
3. Note: If multiple accidents caused damage to the same vehicle, you need separate police reports for each incident.

How to Register Your GIG Gulf Motor Insurance Claim

1. Option 1 - Go to an approved workshop: Take your driving licence, vehicle registration card and police report to any GIG-approved workshop. A GIG desk at the workshop will register your claim immediately.
2. Option 2 - Call the toll-free number: 800 292 - available 24 hours a day.
3. Option 3 - Online: Visit www.giggulf.ae, log in, enter your policy details, upload the police report and submit.

What Happens After You Register the Claim?

1. A GIG surveyor at the workshop begins the inspection immediately.
2. If you have a ‘hire car cover’, GIG arranges the replacement car at the workshop.
3. You can track claim status at giggulf.ae or by calling 800 292 (Sunday–Thursday: 8 am–10 pm; Saturday: 8 am–5 pm).
4. GIG sends SMS and email updates on your claim status.

What Happens in a Total Loss?

A vehicle is declared a total loss when repair costs exceed 50% of the vehicle's depreciated value. In this case:

1. GIG informs you of the total loss declaration.
2. You transfer vehicle ownership to GIG. Provide the official ownership transfer letter from the Traffic Department.
3. GIG aims to issue the settlement within 5 working days of receiving the transfer letter.
4. GIG pays you the insured value minus applicable depreciation and excess.

Note: If the vehicle chassis is damaged or structural columns need cutting, tightening, or welding, the vehicle is automatically classified as total loss — regardless of repair cost percentage.

What if the Accident Goes to Court?

If police refer the case to court (common in death, bodily injury or traffic law violation cases), GIG will work to start repairs quickly, but cannot release the vehicle from the repairer until the final court judgment. Contact GIG immediately if this happens as they will arrange legal representation.

How is Your GIG Gulf Car Insurance Premium Calculated?

GIG Gulf calculates your premium based on several factors:

1. Age of the driver
2. Length of driving experience
3. Claims history (No Claim Discount history)
4. Location / Emirate of registration
5. Value of the vehicle
6. Type of vehicle

How to Contact GIG Gulf for Car Insurance?

Contact Method	Details
Toll-Free Number	800 292 (24/7 for claims; Sunday–Thursday 8am–10pm, Saturday 8am–5pm for queries)
Website	www.giggulf.ae
Claims Online	www.giggulf.ae (log in with policy details)
Complaints Online	www.giggulf.ae/en/contact-us/complaints
Dubai Address	Floor 39, Churchill Executive Tower, Business Bay, P.O. Box 5862, Dubai, UAE
Telephone	+971 4 447 6111
Email	info@gig-gulf.com

Car Insurance Addons
Personal Accident Cover	Roadside Assistance
Engine Protection Cover	IDV-Insured Declared Value
No Claim Bouns	Passenger Cover

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