QIC Car Insurance

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QIC Car Insurance is one of the most popular car insurance providers in the UAE offering cover for different kinds of accidental damages caused to your vehicle. The company helps you protect your car by insuring it and offers financial assistance in case of mishaps.

Qatar Insurance Company is a public listed, first domestic composite insurance company in Qatar. It has a dominant presence in GCC and MEENA with a rating of A/Stable from Standard & Poor’s and A(Excellent) from A.M. Best. QIC has a market capitalization of over USD 4 billion and it is listed on the Qatar Exchange. Let’s take you through the benefits and coverage they provide.

Types of Car Insurance Offered by Qatar Insurance Company Car Insurance

QIC Car Insurance offers two types of car insurance plans – Comprehensive and Third-Party Car Insurance.

  1. Comprehensive Car Insurance: Qatar Insurance Company Motor Insurance provides the policyholders with a comprehensive car insurance plan to cover the damages to both their own and third-party vehicles, in case of an accident. QIC Car Insurance plans also offer cover for damages caused by natural disasters such as earthquakes, hail storms, floods, wind storms, etc.
  2. Third-Party Car Insurance: Qatar Insurance Company Car Insurance provides a third-party car insurance plan to help policyholders cover third-party property damages. 

QIC Car Insurance offers attractive features and benefits with a variety of plans. Let us take a look at the same.

Features and Benefits of Qatar Insurance Company Car Insurance

QIC Car Insurance offers the best car insurance. Here is the list of features and benefits that Qatar Insurance Company Motor Insurance has to offer to its customers:

  1. 24x7 Help and Support: QIC Car Insurance provides its clients with round-the-clock support and helps them find answers to their queries whenever they want.
  2. Cover against Theft and Fire: Qatar Insurance Company Car Insurance provides the policyholders with cover for damage caused due to theft or a fire incident.
  3. Roadside Help and Assistance: QIC Car Insurance provides insured persons with roadside help and assistance if their car breaks down or the tank goes empty.
  4. Free Car Hire: Qatar Insurance Company Car Insurance allows you to get a free car replacement when your car is being repaired.
  5. Cover for Personal Belongings: QIC Car Insurance provides the insured persons the cover for their personal belongings in the upgraded plans. The cover amount goes up to AED 5,000.
  6. No Claims Discounts: QIC Car Insurance provides attractive no-claims discounts at the time of the policy renewal if your car doesn’t go through an accident.

Best Plans Offered by QIC Car Insurance in Dubai

Here are the car insurance plans and covers that QIC Car Insurance Offers.

Benefits Prestige Plus Prestige Platinum
Personal accident benefit for driver AED 200,000 (Inclusive) AED 200,000 (Inclusive) AED 200,000
Personal accident benefit for passenger AED 200,000 (Inclusive) AED 200,000 (Inclusive) AED 200,000
Third-party property damage AED 3,500,000 AED 3,500,000 AED5,000,000
Damage due to Fire and Theft Yes Yes Yes
Cover for Natural Disasters Yes Yes Yes
Personal injury cover AED 20,000 AED 20,000 AED 20,000
Personal belongings AED 5,000 AED 5,000 AED 5,000
Emergency medical expenses AED 3,500 AED 3,500 AED 7,000
Off-road cover Yes Yes Yes
Agency Repair Period 2 Years from the date of first registration 2 Years from the date of first registration 3 Years from the date of first registration
Roadside Assistance Silver Silver Gold

What are the QIC Car Insurance Inclusions?

Here is the list of QIC Car Insurance Policy Inclusions.

Comprehensive Car Insurance Inclusions

  • Damage to your own car: If your vehicle got damaged in an accident, you can get claims for your vehicle as well as the third party’s.
  • Personal accident cover: QIC motor insurance offers the cover of AED 200,000 for personal accident benefits if your family members get injured in an accident.
  • Damage due to natural calamities:  Car Insurance provides you with cover for the damages caused due to unpredictable natural calamities like landslides, hail storms, wind storms, floods, and earthquakes.
  • Theft of your car: QIC Car Insurance offers cover against theft of your car. You can register a claim for the amount almost equal to the insured declared value as mentioned in your car insurance policy.
  • Man-made disasters: QIC Car Insurance offers cover for damages caused due to various man-made hazards like fire, strikes, terrorism, etc.

Third-party Car Insurance Inclusions

In the third-party car insurance plan, QIC Car Insurance provides accidental cover for third-party damages caused by your car in an accident.

  • Third-Party Injury: QIC Car Insurance provides you with cover for a third-party injured person. With this kind of an insurance, you can compensate the injured person for his/car car and bodily damages.
  • Third-Party Property Damage: QIC Car Insurance offers cover for third-party property damage. If you have caused damage to someone’s property in a car accident, the company will pay that person for the damages incurred.

What are the QIC Car Insurance Exclusions?

Here is a list of QIC Car Insurance exclusions.

  • Intentional car damage
  • Damage to electrical equipment
  • Damage incurred during the war
  • Damage caused by racing a car
  • Damage due to vehicle rollover

What are the Documents Required to Buy QIC Car Insurance?

Here is a list of documents required to buy vehicle insurance in Qatar Insurance Company.

  • Car Policy Registration Documents
  • Driving License
  • Passport copy with the residence visa page
  • Emirates ID

What are the Documents Required to Claim Qatar Insurance Company Car Insurance?

Here is a list of documents required to file a claim with QIC Car Insurance.

  • High-resolution images of damage or loss
  • Police Accident Report
  • A filled up Claims form
  • A detailed inventory of damaged items (with the proof of cumulative value)
  • Proof of claim letter sent to a third party (if any)
  • A cost estimate for damage repair

How to Report Claims for QIC Car Insurance?

Here are the four simple ways of reporting a claim with QIC Car Insurance.

  1. Upload Documents Online: Get in touch with QIC Car Insurance online to report the claim. You can also upload your claim documents on www.i-insured.com and wait for the help and support team to get back to you.
  2. Visit the Office: Call QIC Car Insurance Toll Free Number 8004742 or +971 4 2224045 (Dubai) or +971 2 6769466(Abu Dhabi) and send your claim documents to the QIC office in Dubai. You can also visit the office with the documents.
  3. Send an Email: You can send an email to motorclaims.uae@qici.com.qa with claim documents to report your claim.
  4. Send a Fax: You can also fax your claim documents to +971 42238974 (Dubai) +971 26769265 (Abu Dhabi).

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 WhatsApp 5000 0742 or simply by dialing 8000 742.

Frequently Asked Questions

Q1.  How Comprehensive Car Insurance is Different from Third-Party Car Insurance in QIC?

Ans. Comprehensive car insurance provides cover for both your own and the third-party damage caused by your vehicle. And Third-Party Car Insurance, on the other hand, provides cover only for the third-party damage caused by your vehicle in an accident.

Q2. What are the factors that impact the premium amount?

Ans. The value of the car, model, engine, driver’s age and driving behavior are a few factors that are taken into account while calculating premiums. Careless driving is taken into account while calculating the premium.

Can I transfer the car insurance when selling my car? QIC Car Insurance doesn’t allow you to transfer the car insurance as the insurance premium, cover, and policy terms are calculated based on multiple factors that are related to the driver.

Q3. How can I cancel my insurance while selling a vehicle?

Ans. You can cancel your policy at the time of selling or exporting the vehicle. Here is the list of documents required to cancel insurance:

  • Number plate certificate from the RTA
  • New registration card from the buyer or the export certificate

After submitting the documents, the cancellation request will be processed.

Q4. Can I get car insurance for a 10 years old vehicle?

Ans. No, QIC Car Insurance offers car insurance plans only for vehicles that are less than 7 years old.