Buy Car Insurance in 30 Seconds !
Noor Takaful helps you discover the Car Takaful that gives you some much-needed peace of mind behind the wheel. As per law, Car Insurance in the UAE is mandatory. If you’re a car owner, you must buy a car insurance policy for your cars plying on the UAE roads.
Here is the insurance coverage offered by Noor Takaful Car Insurance.
|Cover||Coverage||Comprehensive Coverage||Third Party Coverage|
|Third-Party Property Damage||It covers the car owner’s legal liability for any third-party property damage.||AED 2 Million||AED 2 Million|
|Damage or Loss to Car||It covers any accidental loss/damage to the insured car.||Up to the value of the car||No|
|Third-Party Bodily Injury||It covers the car owner’s legal liabilities for third-party property damages.||Sum awarded judicially||Sum awarded judicially|
|Agency Repair (Standard)||It covers the insured car’s repair at the authorized workshop of the dealer in order to repair any damages due to an accident.||3 years||No|
|Emergency Medical Charges||It covers medical costs incurred by any occupant of the insured car, who’s injured due to an accident.||AED 4,000||No|
|24 * 7 Roadside Assistance||It covers accidents as well as emergency breakdown recovery of the insured car around-the-clock. Along with that, it covers the expenses for registration services on an annual basis.||Yes||No|
|Personal Belongings||It covers loss/damage caused to the personal belongings of the insured in the insured car due to a road mishap, fire, etc.||AED 4,000||No|
|No Claims Discount||For a claim-free year, the policyholder is rewarded with a special discount at the time of renewal.||Yes||No|
|Natural Disasters||It covers any accidental damage or loss to the car that is caused by natural disasters such as storms, earthquakes, floods, etc.||Yes||No|
|Valet Parking||It covers any accidental damage or loss to the insured car when it’s driven or parked by an authorized driver of a restaurant/hotel or similar business.||Yes||No|
|New Car Replacement||After an accident, if the insured car is declared a ‘total loss’, a replacement car of the same value or model (whichever is lower) of the insured car (depending on the availability) is provided.||Up to 6 months||No|
|Excess Waiver for Windows or Windscreen Damages||It covers accidental damages caused to the windows or windscreen of the insured car, along with any damages caused by the damaged glass to the car’s body.||AED 3,500||No|
|Cover||Coverage||Comprehensive Coverage||Third Party Coverage|
|Oman Extension||It covers the insured car on a temporary basis for a single trip of 60 days. This cover is applicable only if it is being driven the car owner or a driver authorized by car insurance in the Sultanate of Oman.||Yes||No|
|Hire Car||It provides a replacement in case the insured car meets with an accident.||Up to a period of 7 days||No|
|Personal Accident Cover for Driver as well as Passengers||In case the car owner or the passengers are injured/die while getting in/out of the insured car or in case of an accident, compensation according to the policy T&C is provided.||Yes||No|
|Off-Road Insurance Cover||It covers the insured car when it is driven off-road by the owner or a driver authorized by the owner. If the car is used for participation in a racing event, competitive event or sand dune-bashing, the insurance coverage ceases to exist.||Yes||No|
These optional covers can be availed with the basic Noor Takaful car insurance plan for an extra contribution. For more details, refer to your certificate schedule. The certificate has all the terms and conditions applicable to the covers including extra benefits (if any) or amendments (if applicable).
Noor Takaful provides insurance solutions against a wide variety of losses or damages. Its fast and smooth customer care support ensures that insurance buyers are happy with the company’s services. Its ‘round-the-clock roadside assistance service provides relief when an insured is stranded.
Agency repair is a must-have feature of vehicle insurance in UAE. Therefore, it provides repair services at the workshop of the authorized dealer. The insurance provider extends insurance coverage to the passengers.
In addition to this, Noor Car Takaful comes with a complimentary CAFU fuel voucher which includes a wide range of exclusive benefits right from CAFU fuel worth AED 100 and no claim discount to complimentary car wash and drive & passengers coverage.
Here are the scenarios that aren’t covered by Noor Takaful Insurance company -
Noor Takaful’s car insurance claim filing process is very easy and convenient. Before you file a claim, read the certificate carefully and make sure that the incurred damages are covered. For instance, damages due to accidental collisions, fire, overturning, external explosion, theft, any malicious act or self-ignition, legal liability and related costs, third-party liability, property damages, and bodily injuries are covered unless it is specifically excluded.
Here are the steps to be followed to file a claim hassle-free.
Get the police report and cross check that all the details mentioned in the police report are accurate.
Get in touch with Noor Takaful using helpline number 800 6667 and report your claim. The helpline is available from 8 AM - 4 PM Sunday to Thursday. For the smooth processing of your car insurance claim, the customer care executive will record the details relevant to the incident. After that, the customer care executive will follow the procedures mentioned below.
Note- It is recommended that you report any accident/damage to your insured car to the car insurance provider as well as to the police as soon as possible, even if you aren’t registering a claim under your certificate. Once you have reported the claim, you will get the necessary details such as claim reference number and details of the assigned garage via call.
You have to send your vehicle to the assigned garage. Once there, you need to provide the garage service advisor with the following details:
After the garage provides you with an estimate of repair expenses, the auto insurance provider will get in touch with you to inquire whether you have approved your vehicle’s repairs at the assigned garage or if you wish to request estimates from other garages impanelled with Noor Takaful Car Insurance.
Q1. What Exactly is offered in a comprehensive car insurance certificate?
Ans: Comprehensive car Takaful certificate provides coverage against damages, losses, & third-party liabilities. Let’s take detailed look at these covers.
Q2. I have a third party liability certificate. What does it cover?
Ans: It provides the most basic coverage and is compulsory, according to the law. Third-party liability provides insurance to you against the following-.
Q3. My vehicle is 6 years old. Can I get comprehensive coverage for my vehicle?
Ans: Comprehensive coverage can be availed for up to 7 year old automobiles. Automobiles over 7 years old can be referred to Noor Takaful’s motor team for reviewing each case keeping your insurance in mind.
Q4. What are the benefits that I can avail with my Takaful certificate free of cost?
Ans: Listed below are the benefits that can be availed with your Takaful certificate.
Q5. What is a deductible/excess?
Ans: The deductible or excess is the insured’s contribution for non-recoverable claims in case of an accident. Usually, non-recoverable motor claims occur when an accident is caused by the insured individual. Auto insurance in UAE comes with a deductible/excess.
Q6.In case I sell my car, can I transfer my Takaful to the new buyer of my car?
Ans: The Takaful contribution is formulated by many factors and the driver’s expertise is one of them. Since driving expertise is individualistic, transfer of Takaful isn’t permitted.
Q7. Can I cancel my Takaful certificate?
Ans: A Takaful certificate can be canceled specifically during the instances mentioned below.
Q8. What are the documents that I need in case I’m involved in a road accident and want to file a car insurance claim?
Ans: In such a case, you need to submit the following documents. 1.Duly filled claim form 2.A photocopy of your driving license 3.A photocopy of your registration card 4.Police report (original) If you need any help, you can call their helpline for clarifications.
Q9. What is No Claims Discount?
Ans: No Claims Discount is the discount rewarded on overall Takaful contribution if you don’t file any claims.
Q10. How can I obtain a copy of my Takaful certificate wording?
Ans: You can log on to https://www.noortakaful.com and download Noor Takaful’s wordings from the Download Center.