Qatar Insurance Company (QIC) Home Insurance

Key Features and Benefits of QIC Home Insurance Plans

Qatar Insurance Company is a preferred choice among homeowners and tenants for home insurance in the UAE. After all, it is one of the oldest and most trusted insurance companies in the MENA region, founded in 1968.

The insurer offers several features and benefits with this home coverage plans, including:

• Extensive protection against multiple risks, including natural calamities, accidental damage, and loss of valuables
• Optional add-on covers that let you extend your home insurance protection against additional risks
• Flexible and affordable plans with customisable coverage options, so that you pay only for the protection you need
• Domestic helper cover is available under certain home plans at an affordable premium
• Convenient online services for policy purchase, renewal, and management without visiting a branch

Why Choose Qatar Insurance Company for a Home Insurance Plan in the UAE?

There are a number of reasons to choose Qatar Insurance Company for home insurance. Let’s explore the major ones:

• Easy Policy Issuance: With almost zero effort, you can buy and renew your home insurance policy with QIC. It offers a complete digital process that saves your time and gives you flexibility.
• Comprehensive Coverage: You can secure your building and contents from a variety of uncertainties, including floods, earthquakes, explosions, and more.
• Affordable Home Insurance Premium: If you think that home coverage is expensive in the UAE, QIC can show otherwise! It offers affordable coverage options that fit under your budget.
• Outstanding Customer Service: With a QIC house insurance plan, you can expect instant support from customer service, whether it’s related to policy issuance, coverage scope, or claim process.
• Easy Claim Process: When a claim arises, you don’t need to worry. With QIC, the claim process is straightforward and hassle-free.

What is Covered Under the QIC House Insurance Policy?

Under a QIC house insurance policy, you can get coverage for building, contents, personal belongings, and domestic helpers. The key details of the coverage are mentioned here:

Key Coverages	Specifications
Building Cover	Covers an array of risks, including: Fire, earthquake, flood, landslip, storm, lightning, and smoke Accidental damage Water pipe bursting Riot, strikes, civil unrest, and labour/political disturbance Damage from aircraft or flying objects Theft Subsidence
Content Cover	Secure your content from various perils, including: Earthquake, fire, lightning, storm, and flood Accidental damage Theft and burglary Falling radio or TV aerials (including satellite dishes) Water pipe bursting and more
Personal Belongings Cover	Covers your personal belongings, valuables, and portable equipment against accidental loss or damage Compensation is provided up to the sum insured Coverage applies within the policy's specified geographical limits Your belongings are also covered while temporarily outside the country for up to 90 days during the policy period
Domestic Helpers Cover	Death or permanent total disablement cover — up to AED 30,000 Medical expenses cover — up to AED 10,000 Repatriation expenses cover — up to AED 5,000 Funeral expenses in case of death due to accidental bodily injury

It’s important to note that choosing extended coverage under your basic home insurance policy may slightly increase your premium.

What is Not Covered in the QIC Home Insurance Policy?

Here are the general exclusions under the Qatar Insurance policy for homes in the UAE:

❌ Pollution and contamination

❌ Wear and tear

❌ Poor maintenance

❌ Faulty workmanship

❌ Intentional damage

❌ Radioactivity and sonic bangs

Always check the exclusions of your chosen plan, as they may result in restrictions or limitations when making a claim.

Who Can Apply for QIC Home Insurance in the UAE?

Both homeowners and tenants can purchase QIC house insurance plans. Let’s understand how the coverage can be useful for both categories:

• Home Owners: If you’re living in your own home, it’s always a top priority to protect it against certain perils such as floods, storms, fire, and lightning. A home is one of the biggest investments of your life, and it is crucial to secure it with a comprehensive house insurance plan. It can cover the losses arising from damages to your property and contents from the mentioned perils.
• Tenants: Even if you’re a tenant, home insurance is a must! After all, even if you don’t own the property, your contents and personal belongings can still be damaged. Moreover, in such scenarios, your landlord is not going to cover or compensate for such losses.

With QIC, you can get home contents insurance coverage. This can be useful for tenants to secure their valuable belongings.

How to File a Home Insurance Claim with Qatar Insurance Company (QIC)?

The home insurance claim process can be stressful if you don’t know the steps involved. However, QIC has a simple and hassle-free claim process. So if you’re aware of the steps, you can easily file a claim. Here’s how:

• Immediately visit your nearest police station. File a report for the loss or damage, as a police report may be required while raising a claim.
• Inform QIC about the incident by calling +971 42224045 to initiate the claim process.
• Submit the required documents and proof related to the incident through your preferred mode of communication:
  • Call: +971 42224045
  • Email: nonmotorclaims@qicuae.com
  • Fax: +971 42238974
• After reviewing your claim request, the insurer will guide you through the next steps and process the compensation for the covered loss or damage.

Which Documents are Required for the QIC Home Insurance Claim Process in the UAE?

To file a QIC house insurance claim, you need to provide the following documents:

• Filled-out claim form
• A police report
• Photographs or videos of loss and damage
• Estimated repairing cost (for prior approval)
• List of damaged or lost items along with proof of their total value
• Contact details for arranging the property survey
• Copy of the claim letter sent to any third party responsible for the damage (if applicable)

Qatar Insurance Company Contact Details for Home Insurance Claims

To contact Qatar Insurance Company for an insurance claim, here are some useful details:

• Office Address: QIC Retail Department, Dubai Hills, Business Park Building 4 – 5th floor, (Next to Dubai Hills Mall), Al Khail Road, Dubai, UAE
• Phone: +971 4222 4045 (extension 63)
• Email: nonmotorclaims@qicuae.com (for claim)

QIC House Insurance- FAQs