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 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.

Noor Takaful Car Insurance Plan at a Glance with Table

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

Optional Covers:

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).

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.

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.

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.
• Damage Caused by Natural Calamities:  The accidents which have caused, occured, results or are related directly or indirectly to natural disasters like hurricanes, floods, tornados, earthquake, or volcanoes.

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 accident
• 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.

Noor Takaful Car Insurance;FAQs

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.

• 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.