Qatar Car Insurance

Key Features of Qatar Car Insurance

The table below summarises the main features that apply across QIC Insurance motor policies —

Types of Qatar Car Insurance Plans in UAE

Qatar motor insurance is available under four distinct plan types. These plans differ based on coverage depth, repair entitlement, and additional benefits. Here are the motor insurance plans available under QIC car insurance —

• Third Party Liability Only
• Basic Comprehensive
• Prestige Comprehensive
• Prestige Plus Comprehensive

Overview of Qatar Car Insurance Plans

Key Differences Between Qatar Comprehensive Insurance Plans

The table below reflects how Basic, Prestige, and Prestige Plus plans are structured —

Coverage / Benefit	Basic	Prestige	Prestige Plus	Third Party Liability Only
Agency repairs	Not applicable	Up to 2 years from the date of first registration (brand new vehicles)	Up to 2 years from the date of first registration (brand new vehicles)	Not applicable
Windscreen damage – excess waiver	AED 5,000	AED 5,000	AED 5,000	Not covered
Personal injury	AED 20,000	AED 20,000	AED 20,000	Not covered
Emergency medical expenses (own damage)	AED 3,500	AED 3,500	AED 3,500	Not covered
Personal belongings	AED 5,000	AED 5,000	AED 5,000	Not covered
Personal accident benefit – driver	AED 200,000 (inclusive)	AED 200,000 (inclusive)	AED 200,000 (inclusive)	AED 200,000 (inclusive)
Personal accident benefit – passengers (employees only)	AED 200,000 (inclusive)	AED 200,000 (inclusive)	AED 200,000 (inclusive)	AED 200,000 (inclusive)
Off-road cover	Yes (for 4×4 vehicles only)	Yes (for 4×4 vehicles only)	Yes (for 4×4 vehicles only)	Not applicable
Courtesy car benefit	10 days per policy year (at-fault claims only – additional cost AED 160)	10 days per policy year (at-fault claims only – included)	10 days per policy year (at-fault claims only – included)	Not applicable
Roadside assistance	Silver (inclusive), Gold (AED 35), Platinum (AED 50)	Platinum (included)	Platinum (included)	Bronze
Third-party property damage limit	AED 3,500,000	AED 3,500,000	AED 3,500,000	AED 2,000,000
Third-party bodily injury	Unlimited	Unlimited	Unlimited	Unlimited

Important Notes

1. All benefits are subject to terms, conditions, excess, and limits mentioned in the policy schedule
2. Agency repair eligibility applies only to vehicles registered as brand new and is time-bound
3. Certain covers may vary during seasonal campaigns
4. Roadside assistance benefits differ by Bronze, Silver, Gold, and Platinum tiers
5. ‘Inclusive’ amounts form part of the overall policy limits and are not in addition

Inclusions of Qatar Motor Insurance Plan

The inclusions under QIC insurance depend on the plan that you choose — Third Party Liability Only, Basic, Prestige, or Prestige Plus.

Common Inclusions Across Qatar Car Insurance Plans

• Unlimited third-party bodily injury cover, as per UAE court judgment
• Third-party property damage cover up to:
  • AED 3,500,000 (Basic, Prestige, Prestige Plus)
  • AED 2,000,000 (Third Party Liability Only)
• Personal accident cover of AED 200,000 (inclusive) for the driver
• Personal accident cover of AED 200,000 (inclusive) for passengers (employees only)

Inclusions Under Comprehensive Plans (Basic, Prestige, Prestige Plus)

• Cover for accidental loss or damage to the insured vehicle
• Fire and theft cover
• Natural perils, riot, strike, and civil commotion
• Personal belongings cover up to AED 5,000
• Emergency medical expenses (own damage) up to AED 3,500
• Windscreen damage excess waiver up to AED 5,000
• Off-road cover for 4×4 vehicles only
• Replacement of locks and valet parking theft cover
• Geographical extension to Oman (own damage and third-party liability via Orange Card, on request)

QIC Insurance Plan-Specific Inclusions

• Agency repairs: Available under Prestige and Prestige QIC insurance Plus for up to 2 years from first registration (brand-new vehicles only)
• Courtesy car: Up to 10 days per policy year for at-fault claims (included in Prestige & Prestige Plus)
• Roadside assistance: Included based on selected tier (Bronze, Silver, Gold, Platinum)

Exclusions of Qatar Car Insurance Plans

Common Exclusions Across All QIC Insurance Plans

• Driving without a valid UAE driving licence or with an expired licence
• Driving under the influence of alcohol, drugs, or prohibited substances
• Accidents occurring while the vehicle is used for illegal purposes
• Wear and tear, mechanical, or electrical breakdown
• Deliberate or intentional damage caused by the insured
• Use of the vehicle outside the approved geographical limits without extension

Exclusions Specific to Third Party Liability Only Plan

• Any damage to the insured vehicle
• Fire, theft, or natural peril damage to the insured vehicle
• Personal belongings or accessories inside the vehicle

Exclusions Specific to Comprehensive Plans

• Repairs carried out without prior claim approval
• Excess or deductible amounts stated in the policy schedule
• Off-road incidents involving non-4×4 vehicles
• Losses arising outside policy terms, limits, or endorsements

Roadside Assistance Coverage Under Qatar Car Insurance in UAE

You can get roadside assistance under Qatar motor insurance in four tiers — Bronze, Silver, Gold, and Platinum. Let’s understand the offerings better —

Service	Bronze	Silver	Gold	Platinum
Accident towing & recovery	Intercity (2 times/year)	Same city (unlimited)	Intercity (unlimited)	Intercity (unlimited)
Breakdown towing	Same city (2 times/year)	Same city (unlimited)	Same city (unlimited)	Intercity (unlimited)
Battery boost & replacement	Yes (battery chargeable)	Yes	Yes	Yes
Flat tyre assistance	Yes (tyre chargeable)	Yes	Yes	Yes
Lockout service	Not included	Included	Included	Included
Petrol delivery	Included (fuel chargeable)	Included	Included	Included
Desert recovery (4×4 only)	Not included	Not included	Up to 3 services	Up to 3 services
Airport pickup / drop	Not included	Not included	Not included	2 times per year
Home service	Not included	Not included	Not included	1 time per year
Geographical area	UAE	UAE & Oman	UAE & Oman	UAE & Oman

Geographical Coverage & Oman Extension (Orange Card)

Policies for Qatar insurance in UAE provide default coverage within the UAE. However, you can extend the coverage to the Sultanate of Oman through an endorsement.

Oman Extension Details

• Own damage cover in Oman: Available under Basic, Prestige, and Prestige Plus plans
• Third-party liability in Oman: Provided via Orange Card, issued upon request
• Orange Card validity runs from the policy issuance date until the policy expiry
• For Third Party Liability Only plans, Oman TPL extension is optional and charged at AED 250

This extension is subject to policy terms and must be requested in advance.

How to Buy Qatar Motor Insurance in Dubai?

You can buy Qatar motor insurance in Dubai through Policybazaar.ae. The platform allows you to compare QIC Insurance motor plans and choose the option that best suits your vehicle and coverage needs. On Policybazaar.ae, you can view QIC car Insurance plans such as Third Party Liability Only, Basic, Prestige, and Prestige Plus. You can easily explore their inclusions, limits, and additional benefits as per the policy documents. The platform helps you complete the purchase online by entering your vehicle and driver details, selecting the preferred plan, and making the payment digitally.

Qatar Insurance Policy Cancellation & Refund Rules

Policy cancellation under QIC car Insurance follows the unified UAE motor insurance regulations.

Key Cancellation Rules

• You cannot cancel the policy while the vehicle licence is valid
• Cancellation is allowed only in the following cases:
  • Vehicle licence cancellation
  • Change in vehicle details requiring a new policy
  • Transfer of vehicle ownership
• In case of total loss, the policy terminates once registration is officially cancelled
• Refunds (if applicable) are calculated on a short-rate basis, provided no paid or outstanding claims exist
• The insurer may terminate the policy with 30 days’ written notice for valid reasons

Qatar Car Insurance Claim Process in the UAE

Follow the given steps to file Qatar motor insurance claim process in the UAE —

Step 1: Report the accident

• In case of an accident, move the vehicle to a safe place (if possible)
• Call the police and obtain a police report

Step 2: Register the claim

Submit the following documents to QIC Insurance to register your motor claim —

• Police report
• Driver’s licence (both sides)
• Vehicle registration card (both sides)

You can register claims through —

• QIC online claim portal
• Email submission
• QIC customer contact centre

Step 3: Claim assessment and repairs

• QIC Insurance registers the claim and issues a claim registration slip with the garage details
• If your policy includes agency repairs, take the vehicle to the authorised dealer
• If your policy includes non-agency repairs, the vehicle must be taken to the garage mentioned in the claim slip
• A loss assessor inspects the vehicle and approves repairs after receiving the estimate

Step 4: Vehicle recovery (if required)

• If the vehicle is not drivable, you may arrange recovery services through QIC’s roadside assistance partner, as per policy eligibility

How to Renew Car Insurance Online With QIC Car Insurance?

QIC encourages its customers to renew car insurance online through the website or the mobile app - QIC. Both the platforms are well equipped to assist you through the entire renewal process right from filing to tracking. You can also reach out to QIC through simply by dialing 8000 742.

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Frequently Asked Questions