Noor Takaful Car Insurance

Noor Takaful Car Insurance

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 UAE is mandatory. If you’re a car owner, you must buy a car insurance policy for your cars plying on the UAE roads.

Noor Takaful Car Insurance Plan at a Glance with Table

Here is the insurance coverage offered by Noor Takaful Car Insurance.

S.No.

Cover

Coverage

Comprehensive Coverage

Third Party Coverage

1.        

Third-Party Property Damage

It covers the car owner’s legal liability for any third-party property damage.

AED 2 Million

AED 2 Million

2.        

Damage or Loss to Car

It covers any accidental loss/damage to the insured car.

Up to the value of the car

No

3.        

Third-Party Bodily Injury

It covers the car owner’s legal liabilities for third-party property damages.

Yes

Yes

4.        

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

5.        

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

6.        

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

7.        

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

8.        

No Claims Discount

For a claim-free year, the policyholder is rewarded with a special discount at the time of renewal.

Yes

No

9.        

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

10.    

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

11.    

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

12.    

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

                                                                                                                        Optional Covers

1.        

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

2.        

Hire Car

It provides a replacement in case the insured car meets with an accident.

Up to a period of 7 days

No

3.        

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

4.        

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).

Why Noor Takaful Car Insurance?

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.

Noor Takaful Car Insurance Inclusions

  • Accidental loss and damage cover
  • Standard Agency Repair Cover
  • No claims discount for maintaining claim free record with Noor Takaful or the previous insurer
  • Accidental loss or damage cover in case of natural calamities like flood, earthquakes
  • Emergency medical expenses cover
  • Personal belongings cover in case of loss or damage due to accident or fire
  • Car windscreen and damage cover
  • Valet parking cover

Noor Takaful Car Insurance Exclusions 

Here are the scenarios that aren’t covered by Noor Takaful Insurance company -

  • Willful Violation of Law- If a car is damaged or any bodily injury is caused as a result of willful participation in an act resulting in a violation of law.
  • Driving in an Intoxicated State- If the driver is driving under the influence of intoxicants such as drugs, alcohol or any narcotic substances.
  • Driving without a Valid License- If the driver is driving without a valid driving license.
  • Damage Caused Outside the Insured Geographical Territory- Any damages or losses occurring outside the geographical territory as specified in the Takaful certificate.

Add-on-Covers in Noor Takaful Car Insurance

  • Personal accident benefit for passengers & drivers
  • Oman extension cover
  • Off-road coverage
  • Car hire service

How to File a Claim for Noor Takaful Car Insurance in UAE?

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.

Step 1

Get the police report and cross check that all the details mentioned in the police report are accurate.

Step 2

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.

  • Confirm whether your certificate covers the reported incident.
  • Inform you of the amount you have to pay from your own pocket.
  • Confirm that you have followed all the steps involved in your claim filing.
  • Assist you with which garage to go to.

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.

Step 3

You have to send your vehicle to the assigned garage. Once there, you need to provide the garage service advisor with the following details:

  • Your claim reference number.
  • Original copy of the police report.
  • A photocopy of the driving license of the person who was driving the vehicle at the time of the
  • A photocopy of the car’s registration

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.

FAQs

Comprehensive car Takaful certificate provides coverage against damages, losses, & third-party liabilities. Let’s take detailed look at these covers.

  • Damages- Damages caused to your car due to overturning, accidental collision, fire, self-ignition, theft, a malicious act or external explosion are covered, unless it specifically excluded.
  • Legal Liability- It covers legal liability and agreed expenses/costs against third-party property damage/ bodily injury caused by the insured car, unless it is excluded.

It provides the most basic coverage and is compulsory, according to the law. Third-party liability provides insurance to you against the following-.

  • Bodily injury or death of any third party.
  • Damages caused to third-party property.

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.

Listed below are the benefits that can be availed with your Takaful certificate.

  • Natural Calamities Coverage
  • Coverage against strikes, civil commotion or riots
  • Loss of personal belongings up to AED 4,000
  • Excess waiver for windscreen damages up to AED 3,500
  • Emergency medical charges up to AED 4,000
  • Extended legal liability towards owner’s family members
  • Third-party property damages up to AED 2,000,000
  • Valet parking coverage

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.

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.

A Takaful certificate can be canceled specifically during the instances mentioned below.

  • De-registration of the automobile.
  • Any issue with number plate certificate.
  • Ownership transfer of the plan.

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.

No Claims Discount is the discount rewarded on overall Takaful contribution if you don’t file any claims.

You can log on to https://www.noortakaful.com and download Noor Takaful’s wordings from the Download Center.