Oman Car Insurance

Oman Car Insurance

About Oman Insurance Company (OIC)

Since 1975, Oman Insurance Company (Tameen) has been a renowned name in the insurance market UAE. A leading insurance company in the Middle East, it has its head office operational branch in every Emirate in the UAE. OIC has 15 offices across the UAE, Qatar and the Sultanate of Oman.

OIC has been rated 'A- Stable' by Standard & Poor's, and 'A-Excellent' by AM Best. The company is also backed by reinsurers like Arig, Swiss Re, Allianz and Munich Re.

OIC continues to be one of the leading providers of car insurance in Dubai, with a number of industry awards to name. Some of the recent award recognitions are - General Insurance Company & Health Insurance Company of the Year (felicitated by Middle East Insurance Industry Awards in 2017).

Oman Car Insurance Plan at a Glance with table -

 

Basic Plan (in USD)

Silver Plan
(in USD)

Gold Plan
(in USD)

Platinum Plan
(in USD)

Platinum+

(in USD)

1. Services to the Insured Vehicle 

On-site
repair assistance

For 30 minutes

For 30 minutes

For 30 minutes

For 30 minutes

For 30 minutes

Towing assistance during
car breakdown

200

200

250

250

300

Removal
& extraction

400

400

500

500

600

Support in case there is a flat or leaking tyres

Total cost incurred

Total cost incurred

Total cost incurred

Total cost incurred

Total cost incurred

Refueling

Total cost incurred

Total cost incurred

Total cost incurred

Total cost incurred

Total cost incurred

Dead battery

Total cost incurred

Total cost incurred

Total cost incurred

Total cost incurred

Total cost incurred

Ignition
Key
Unlocking Support

Total cost incurred

Total cost incurred

Total cost incurred

Total cost incurred

Total cost incurred

Emergency Vehicle Transportation

 

Total cost incurred

Total cost incurred

Total cost incurred

Total cost incurred

Car deposit and custody

 

200

250

250

300

2. Services to Beneficiaries Traveling in the Insured Vehicle

Emergency accommodation expenses ( for max 3 nights)

 

120US$ per night

 

200US$ per night

250US$ per night

Professional driver service

 

Total cost incurred

 

Total cost incurred

Total cost incurred

Home returning or trip
continuation support

 

Upton 400$

 

Upton 400$

Upton 500$

3. Luggage Transported in the Insured Vehicle

Assistance in case your luggage is lost or misplaced

 

100$ per person/ maximum 200$ per insured vehicle

 

200$ per person/ maximum 400$ per insured vehicle

250$ per person/ maximum 400$ per insured vehicle

All these benefits make OIC One of the best companies for car insurance in UAE

Why Should your Buy Oman (Tameen) Motor Insurance?

For over 25 years, it has been providing bespoke motor insurance policies to its customers in order to meet their specific insurance needs. It caters to both private and commercial vehicles and provides individual and fleet cover as well.

For any auto insurance queries, you can get in touch by using their toll-free number: 800 1642.

Oman Car Insurance Policy Inclusions

The company provides the following services in its motor insurance plan:

Services to the Insured Vehicle

  • On-Site Repair Assistance - If the car or vehicle breakdowns while on-road and a mechanic has to be called on-site, then OIC will compensate the repairing cost. It includes the labor cost of a mechanic (excluding the cost of replacement parts or any other material). This provision is applicable to vehicles breaking down on city streets, parking lots, on the roads and motorways provided that it is not possible to haul the insured vehicle to the nearest repair center.
  • Towing Assistance When The Car Breaks Down - In case the insured vehicle meets with an accident, the insurer will provide tow or transportation assistance to the nearest workshop. The repair cost shall not be covered under this clause. The applicable limit is mentioned in the policy documents.
  • Removal and Extraction - If the car breaks down, the insurer will arrange crane assistance to remove or extract the car from the area of damage. The repair cost shall not be covered under this benefit. The limit applicable to the clause is mentioned in the policy documents.
  • Support in Case of Flat or Leaking Tyres - In case there is a leakage in your tyre or it goes flat, the insurer will assist in removal and replacement of the tyre without any labor charges. This provision is only provided on-site and not at the residence of the insured. Also, the tool kit and spare tyre should be available as well. A limit is applicable and is mentioned in the policy documents.
  • Refueling - In case the insured car runs out of fuel in the middle of the road, Oman insurance company will provide fuel assistance to the insured person. However, the beneficiary will have to pay for the cost of fuel that is refilled in the car.
  • Dead Battery - If the battery of the insured vehicle is down, the insurer will arrange help in order to jump-start the engine to help it reach the nearest workshop for further assistance. The repair cost shall not be covered. The limit applicable is mentioned in the policy documents.
  • Ignition Key Unlocking Support - In case the car/vehicle keys are left inside the vehicle, roadside assistance will be provided to unlock it. The repair cost shall not be covered. The limit applicable is mentioned in the policy documents.
  • Emergency Vehicle Transportation Assistance - In case the car breaks down or meets with an accident and is required to be repaired or is immobilized for more than 3 days, the insurer will bear either of the expenses
    • The cost incurred while transporting the vehicle back to the place of residence.
    • Reimbursement of the costs incurred by the insured person while retrieving the car/vehicle.
  • Car Deposit and Custody - In case the car breaks down or meets with an accident and is undergoing repairs or is immobilized for more than 48 hours, the insurer will compensate the parking costs of the same vehicle. Coverage is provided abroad as well but is subject to plan terms and conditions. This shall not cover the expenses incurred on vehicle repair.

Benefits & Features of Oman Car Insurance

Following Services are provided to Beneficiaries under Oman Car Insurance in UAE:

  • Emergency Accommodation Expenses - In case the car breaks down or meets with an accident and under repair or is immobilized for more than 48 hours, the insurance company shall take care of the emergency accommodation expenses (this is subject to the amount and terms listed in the policy documents
  • Professional Driver Service - In the event of  the sudden death of the insured person while driving, or a sudden illness or injury is caused to the insured person, and he is not in a condition to drive the insured vehicle, a professional driver will be provided to drive him back to his residence or destination.  This is only applicable when none of the passengers is skilled enough to drive.
  • Home Returning or Trip Continuation Support - In case the insured vehicle/car is stolen, breaks down, or meets with an accident, or is under repair or immobilized for more than 48 hours, the insurance company shall reimburse either of these
    • Travel expenses incurred on transportation to the country of residence
    • Travel expenses incurred on transportation to the destination provided the cost incurred is not more than the travel cost to their country of residence

      If the beneficiaries are more than two, the insurance company shall hire a similar vehicle for a maximum period of 2 days, provided the cost incurred is not more than the travel cost to their country of residence or destination.

Luggage Transported in the Insured Vehicle

Assistance in case your luggage is lost or misplaced - In case the luggage in the insured car is damaged or stolen during a car accident, the insurer will reimburse the beneficiaries up to the sum assured per vehicle or up to the value mentioned in the car insurance policy documents. However, the following conditions apply:

  • The theft of the luggage did not take place outside the insured car/vehicle
  • The incidence of theft of robbery is immediately reported to the Oman Insurance company

The report clearly mentions the missing items and their approximate value

Oman Car Insurance Policy Exclusions

The following conditions/situations shall not be covered under the car insurance plan:

  • Any claim arising due to a fraudulent act
  • Any type of consequential loss
  • Natural calamities like cyclonic storms, floods, volcanoes, earthquakes shall not be covered. However, cover will be provided in case of sand and hail storms
  • Terrorism, mutinies or riots will not be covered
  • Claims arising due to the actions of security forces or armed forces
  • Damage arising due to nuclear radioactivity
  • The driver of the insured vehicle shall not be covered under following conditions:
    • If the driver is found under the influence of drugs or any other form of intoxication
    • If found without a valid driving license
    • Involvement in life-threatening activities
  • If you are planning to buy car insurance in Dubai, then you should be aware that the insurance company will not cover the following problems unless there is a real and apparent threat to a beneficiary or any other person
    • Dysfunctioning of the speedometer, air-conditioning, door mirrors, horn and any damage caused to the rearview mirror which is not obstructing the vision of the driver
    • If sunroof of the car cannot be closed or converted and the weather conditions are suitable outside and there is no apparent security risk
    • Windows cannot be closed or opened but the weather conditions are suitable outside and there is no apparent security risk
    • Faulty seat adjustor but the driver is able to drive
    • Faulty passenger seats which do not have passengers seated at that time
    • Faulty security systems, but the vehicle is not immobilized and there is no constant sound of the alarm
    • If the transmission is stuck in winter/sports mode
    • If ABS lights and airbag warning lights are illuminated, they will not be covered
    • Faulty windscreen wipers if the weather conditions are safe

Add-on Covers Provided in Oman Car Insurance

  • Personal accident cover for both passengers and driver
  • Agency repair cover
  • Emergency medical cover
  • Extended cover to Sultanate of Oman
  • Third-party property damage cover
  • Car windscreen damage cover
  • 24-hour emergency road-side assistance cover
  • Coverage of Loss or damage incurred due to natural calamities

Oman Car Insurance Claim Process

To seek assistance, make sure you follow the process as mentioned below:

  • The insured person, or any other person on his behalf, should contact the insurer as soon as possible. You can seek 24*7 assistance through their toll-free number or email them on their registered email id
  • When a claim request is made, the insurance company shall consider it only when it is in adherence to the policy terms and conditions
  • If you want to avail the policy benefits you shall
    • Take all the necessary precautions to reduce the loss
    • There should be NO admission of liability. No payment shall be made or promised beforehand

Soon after the incidence takes place, the insured person shall inform the insurance company and share all the relevant information.

FAQs

For motor claims, you can call at the toll-free number - 800 405 Email Id - MotorClaims@tameen[dot]ae Timings -Sun-Thu, 08h00-17h00 Complaints can be registered at complaints@tameen[dot]ae

For 24/7 road-side assistance, you can contact their toll free number - 800 035770000 (UAE) +968 24785544 (Oman) 800 0230 (Qatar) 800 08484 (Bahrain) 800 8973048 (KSA) For global assistance, you can call at +973 1 7386479 For email assistance, write to - claims@itaco-tpa[dot]com

These are the additional covers:

  • Personal accident cover up to Dh.200, 000. This covers both the driver and the passengers
  • Third-party property damage cover up to Dhs. 3,500,000
  • Up to 3 years of agency repair assistance (this is based on your previous loss record)
  • Emergency medical cover up to AED 5,000 per person
  • Up to AED 3,000 cover for car windscreen damage
  • Up to AED 3,000 cover for car windscreen damage
  • Extension of coverage for private vehicles in the entire Sultanate of Oman
  • Coverage against damage arising due to natural calamities like earthquake, storm, rebellion etc
  • Emergency road-side assistance for 24 hours

Yes, you can avail on-site repair assistance for a maximum of 30 minutes.

Apart from basic plan, you will get emergency vehicle transportation assistance in all the plans, namely - Silver, Gold, Platinum and Platinum+

Emergency accommodation expenses shall be reimbursed on per night basis and for a maximum of 3 nights. This is valid if your car is immobilized or is under repair for more than 48hours. This varies according to the plan you buy.

To seek assistance, make sure you follow the process as mentioned below:

  • The insured person, or any other person on his behalf, should contact the insurer as soon as possible. You can seek 24*7 assistance through their toll-free number or email them on their registered email id
  • When a claim request is made, the insurance company shall consider it only when it is in adherence to the policy terms and conditions
  • If you want to avail the policy benefits you shall
    • Take all the necessary precautions to reduce the loss
    • There should be NO admission of liability. No payment shall be made or promised beforehand
    • Soon after the incidence takes place, the insured person shall inform the insurance company and share all the relevant information .

Yes, you can file for reimbursement of the expenses incurred as mentioned below:

  • Contact the insurance provider to get your 'Claim Number'
  • Provide a valid explanation over email or in a formal letter as to why the Services or Benefits for which reimbursement is requested were not obtained directly from the Service Provider
  • Provide all the official documents, including your damage or repair report, medical reports (if any), loss or theft notification report, police report, along with original receipts of all the expenses incurred