GIG Gulf Home Insurance

GIG Gulf Home Insurance — An Overview

With an experience of more than 7 decades in the industry, GIG Gulf Insurance Company is renowned for its innovative insurance solutions and robust customer support. Notably, it is recognised among the ten most valuable insurance providers as per Forbes Middle East.

Whether you are a homeowner or a tenant, the comprehensive household insurance plan of this company keeps you financially protected. It covers the loss and damages caused by theft, fire, explosions, natural disasters, and more without straining your budget.

Types of GIG Gulf Home Insurance

GIG Gulf Insurance mainly provides 4 types of home insurance, each coming with significant benefits.

• Building Insurance: This home coverage insures your property and fixtures or fittings against several risks, including fire, accidental damage, storm, flood, and more.
• Contents Insurance: With this plan, you get coverage for your valuable contents against fire, explosions, damage due to transit, falling installed fixtures, earthquakes, and more.
• Owner & Occupiers’ Liability Insurance: This plan provides coverage if you and/or your family are deemed responsible for the loss or damages of a third party.
• Tenant's Liability Insurance: Contrary to popular opinion, home insurance is crucial for tenants as well! This type of insurance covers loss and damage to your landlord’s premises and protects you against legal liabilities.

Why Buy GIG Gulf Home Insurance Policy in UAE?

With GIG Gulf home insurance, you can enjoy significant benefits -

• Comprehensive Coverage

GIG Gulf household insurance plans can be tailored to meet your specific requirements – whether you’re a homeowner, tenant, or resident. The plans are designed to cover your house and content against various risks.

• Affordable Plans

While buying a house in the UAE may be expensive, securing it with GIG Gulf home insurance is under your budget. You can get affordable protection for your valuable assets starting at just AED 1* per day.

*T&Cs apply

• Online Services 

GIG Gulf Insurance is known for its seamless customer service experience. It offers hassle-free online insurance services, allowing you to file a claim or seek assistance from the comfort of your home.

• Easy Claim Processing

The home insurance claim process with GIG Gulf Insurance is quite easy — you can easily complete the process and get assistance from the company.

• Emergency Home Assistance Facility

Extending the benefits, the company also provides 24/7 emergency home assistance services in case of emergencies related to locks, electric systems, windows, and plumbing systems.

• 24/7 Customer Support

Whether you have a query related to your policy or claim process, the dedicated team of experts at GIG Gulf Insurance is always available to resolve your queries in an instant.

• Free Legal Consultation

Another benefit of GIG Gulf home insurance is that you can seek free legal advice from the company’s legal advisors.

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What is Covered Under GIG Gulf Home Insurance Plans?

Here is a brief overview of the key inclusions of the GIG Gulf home insurance policies -

1- Building Coverage

Coverage	Amount
Accidental damage (Fire and other perils)	As per the schedule of policy
Owner’s liability to the public	Up to AED 5,000,000
Breakage of sanitary fixtures and fixed glass	10% of the building sum insured
Loss of rent or alternative accommodation cover	20% of the building sum insured

2- Content Coverage

Coverage	Amount
Accidental damage	As per the policy terms
Loss of rent or alternative accommodation cover	20% of the contents’ sum insured
Occupiers’ personal and employers liability	AED 5,000,000
Key theft	1% of the contents limit
Tenant’s liability	As per the policy schedule
Fatal injury benefit	Up to AED 50,000
Home Assistance	✅

3- Personal Belongings Coverage

Coverage	Amount
Loss of passport, residence permit, work permit, driving licence, base pass, or Iqama	5% of the personal belongings limit
Personal belongings, valuables, and portable equipment	As per the policy schedule
Money and credit cards	5% of the personal belongings limit

4- Domestic Helper

Coverage	Amount
Accidental medical reimbursement	Up to AED 10,000
Accidental death	Up to AED 30,000
Repatriation (in case of accidental death)	Up to AED 5,000

What is Not Covered Under GIG Gulf Home Insurance Plans?

Here is the list of general exclusions under GIG Gulf home insurance -

• Loss/damage due to war and terrorism
• Use of defective materials, design, or faulty workmanship
• Radioactivity
• Sonic bangs
• Pollution or contamination
• Pandemic
• Intentional damage

Note: Check the exclusions in your policy document for a comprehensive understanding.

How to File a Claim with GIG Gulf? 

Here are some easy steps to initiate the GIG Gulf home insurance claim process -

• Immediately file a report at your nearest police station
• Notify GIG Gulf
• Submit the required documents such as a police report, proof of property ownership, and other documents (if requested) to the insurer
• After reviewing your application, the insurer will provide further guidance and reimburse you accordingly

GIG Gulf Home Insurance Contact Details

You can contact GIG Gulf Insurance Company through the following ways -

• Via Call - 800 292 (within the UAE) or +971 4 5074085 (outside the UAE) 
• Via E-mail - home.claim@gig-Gulf.com (for claim process)

Frequently Asked Questions