Noor Takaful Car Insurance - Features and Benefits

Noor Takaful Car Insurance - Features and BenefitsPolicybazaarAverage Rating / 5 ( reviews)
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With Noor Takaful’s solutions for Car Takaful, the policyholder is quite well covered against any damage or loss. Additionally, Noor Takaful also ensures that the claims filed by the policyholders are settled in a quick and efficient manner – their aim is to keep any sort of inconvenient to a minimum.

The cherry on the top is that it comes with a CAFU fuel voucher along with numerous other benefits.    

Features of Noor Takaful Car Insurance

The following are the features of a Noor Takaful car insurance policy:

Coverage Inclusions

The table below details the inclusions in the two variants of Noor Takaful car insurance – comprehensive car insurance and third-party liability car insurance.

Cover Comprehensive Noor Takaful Car Insurance Third-Party Liability Noor Takaful Car Insurance

Damage to or loss of the insured vehicle

Up to the vehicle’s value

N/A

Property damage to a third party

AED 2 million

AED 2 million

Bodily injury to a third party

The sum is given judicially

The sum is given judicially

Natural Calamities

  •    

N/A

Standard Agency Repair

For 3 years

N/A

24/7 Roadside Assistance

  •     

N/A

No Claims Bonus

  •     

N/A

Emergency Medical Expenses

Up to AED 4,000

N/A

Personal Belongings Cover

Up to AED 4,000

N/A

Windscreen Damage Excess Waiver

Up to AED 3,500

N/A

New Car Replacement

Up to 6 months

N/A

Cover for Valet Parking

  •     

N/A

Personal Accident Benefit – Driver and Passenger

  • (Optional Cover)

N/A

Oman Extension

  • (Optional Cover)

N/A

Off-road cover

  • (Optional Cover)

N/A

Rent a Car Benefit

  • (Optional Cover)

N/A

 Coverage Exclusions

Below mentioned are the things that are not covered under the Noor Takaful car insurance policy:

  1. Any violation of the law caused by the driver due to a willful act.
  2. The driver of the vehicle driving under the influence of drugs, alcohol, or narcotics.
  3. The driver not holding a valid driving license in the UAE.
  4. Any damage or loss that occurs to the vehicle outside the geographical territory that is set in the takaful certificate.

The entire list of exclusions can be accessed on the official website of Noor Takaful.

Easy Claim Procedure

The claim filing procedure of Noor Takaful car insurance is simple and the settlement of claims is quick and efficient. Below is the procedure of filing a complaint with Noor Takaful:

Step 1 – Get the police report and ensure that the details on the report are correct.

  • The damage caused to your vehicle because of the accident, fire, overturning, self-ignition, external explosion, malicious act, or theft unless excluded in your policy.
  • The legal liability along with the expenses and costs against the third party property damage or bodily injury arising out of the vehicle unless specified.

Step 2 – Call the helpline number of Noor Takaful (600 50 50 57) to further report your claim. The details of your incident will be recorded and they will start processing your claim immediately. And then they will:

  • Confirm if the Takaful certificate that you have covers the incident.
  • Inform you about any costs that you are required to bear.
  • Confirm the steps that are involved in your claim.
  • The advice you regarding the garage that you need to visit.

Step 3 – Send your car to the nearest garage. All you have to do is show the claim reference number to the service advisor at the garage and provide them with:

  • Original police report.
  • A valid copy of the present driver’s driving license – based on the police report.
  • A valid copy of the car’s registration

Benefits of Noor Takaful Car Insurance

The following are the benefits offered to the policyholder of a Noor Takaful car insurance:

24/7 Roadside Assistance

In case the insured vehicle is involved in an accident, you will be provided will roadside assistance all round the clock.

Agency Repair with Numerous Workshops

If you meet with an accident, after filing your claim you can take your vehicle to a variety of repair workshops of their partner - CARS near you. There are garages available at various locations where you can take your vehicle, they are:

  • Al Quoz in Dubai
  • Al Qusais in Dubai
  • Sharjah Branch
  • Al Ain
  • Abu Dhabi
  • Ras Al Khaimah
  • Al Khabaisi, Deira in Dubai

Driver and Passenger Cover

There is an optional add-on benefit wherein the driver and passenger are covered for any permanent or total disability or death in case of an accidental collision.

No Claims Discount

No claims discount or no claims bonus is a discount offered on the overall takaful amount depending on the number of claim-free years that you have. This certificate or discount can be obtained from your current provider. Alternatively, you can also visit the RTA’s website and obtain a driving experience certificate.

Free Benefits

The following are the free benefits offered with a Noor Takaful certificate:

  • Cover for natural calamities.
  • Cover against any strikes, civil commotion, or riots.
  • Coverage for a loss of personal belongings up to an amount of AED 4,000.
  • Waiver of windscreen excess for an amount of up to AED 3,500.
  • Emergency medical expenses for up to AED 4,000.
  • Extended legal liability towards members of the family.
  • Any damage caused to the third party for up to AED 2,000,000.
  • Cover for valet parking.
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