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Tokio Marine Car Insurance is one of the best car insurance products available in the UAE. It comes in four variants with benefit of comprehensive car insurance policy and third-party liability car insurance policy in addition to add-on covers and optional covers. Right from premium agency repairs and fast claims to complimentary roadside assistance and free hire car cover, Tokio Marine motor insurance offers exclusive benefits to provide you the complete peace of mind behind the wheel.
Tokio Marine Group is a renowned name in auto insurance market in the UAE. It is known to offer custom tailored, Tokio marine car insurance policies that are designed to meet its customer’s requirements. Also, the aim is to offer financial protection and security to its customers in hours of need.
Currently, there are four types of Tokio Marine motor insurance available in the UAE and they are as follows:
|Tokio Marine Car Insurance Plans|
|Coverage||Third-Party Cover||Tokio Must||Tokio Smart Plus||Tokio Million Package|
|Damage or loss to the insured automobile||Not included||Yes||Yes||Yes|
|Theft & fire cover||Not included||Yes||Yes||Yes|
|Flood, storm, strike, riot, & civil commotion||Not included||Yes||Yes||Yes|
|Third-party bodily injury||Unlimited||Unlimited||Unlimited||Unlimited|
|Third party property damage||AED 2 million||AED 2 million||AED 3.5 million||AED 5 million|
|Third-party liability to family members (up to AED 200,000)||Optional||Yes||Yes||Yes|
|Emergency medical expenditures||Not included||AED 3000||AED 4,000||AED 10,000|
|Free personal injury cover||Not included||AED 10,000||AED 15,000||AED 25,000|
|Loss of personal effects||Not included||AED 2500||AED 3500||AED 5000|
|Windshield damage excess waiver||Not included||Waived once||Waived once||Unlimited|
|Self authorization repairs||Not included||AED 1,000||AED 2,000||AED 2500|
|Third party to non owned vehicles||Not included||Yes||Yes||Yes|
|Unauthorized driver||Not included||Yes||Yes||Yes|
|Free agency repair||Not included||Not included||3 Years||5 Years|
|New car replacement (from first year of registration as brand new - 0 kms)||Not included||Yes (6 months)||Yes (6 months)||Yes (13 months)|
|Off-road coverage||Not included||Yes (4WD only)||Yes (4WD only)||Yes (4WD only)|
|Oman cover||Not included||Yes (Own damage only)||Yes (Own damage only)||Yes (Own damage only)|
|Personal accident cover benefit for driver||Optional||Yes||Yes||Optional|
|Personal accident cover benefit for passengers||Optional||Yes||Yes||Optional|
|Loss of usage (rental or alternative vehicle)||Yes (if the claims not at fault)||Yes (10 days during the policy period)||Optional||Yes (15 days during the policy period)|
|Loss of usage (rental or alternative vehicle) Max. Usage per policy period||10 days (maximum)||10 days (maximum)||Up to 10 to 15 days||15 days (maximum)|
|Loss of usage (rental or alternative vehicle) Max. Limit per day subject to actual bills||AED 300 (maximum)||AED 100 (maximum)||AED 100 (maximum)||AED 175 (maximum)|
|24 hour accident & breakdown recovery||Not included||Yes||Yes||Yes|
|Taxi fare (in case vehicle is not roadworthy)||Not included||AED 200 (maximum)||AED 350 (maximum)||AED 350 (maximum)|
|Under age deductible||Not included||10%||10%||5%|
|No claim discount||Yes||Yes||Not Included||Yes|
|Valet parking||Not included||Not included||Not included||Not included|
|National ambulance Cover||AED 6770||AED 6770||AED 6770||AED 6770|
There is a whole list of Tokio marine car insurance benefits and features. You can go through the list below to look at those few amazing benefits:
Following are the Tokio Marine vehicle insurance inclusions:
Tokio Marine Motor Insurance Company will not pay any compensation for the following issues:
You can choose from a broad range of additional covers that are sure to help you in customizing your auto insurance policy and offer enhanced coverage:
Filing a claim with Tokio Marine car insurance UAE is simple. All you have to do is just follow a few simple steps to get your claim:
Q.1. Can I purchase Tokio Marine comprehensive motor insurance policy for my old vehicle?
Ans. Tokio Marine comprehensive motor insurance cover is available for automobiles of up to 10 years of age only. Automobiles over 10 years are referred to company’s motor underwriters who then review the vehicle.
Q.2. Do I need auto insurance?
Ans. As per the UAE traffic authorities, it is compulsory to have car insurance because driving without an auto insurance is illegal. So, yes you need it.
Q.3. What is the difference between agency repair and non-agency repair?
Ans. In agency repair, you can take your car to manufacturer's authorized workshop for repairing damages. In case of non-agency repair, you can take your car to any of the company’s authorized garages to repair accidental damages.
Q.4. Can I renew my Tokio Marine Car Insurance Policy online?
Ans. Yes, Tokio Marine car insurance renewal can be done online through the company’s official website.
Q.5. What exclusive benefits are give with Tokio Marine car insurance UAE?
Ans. Tokio Marine offers a wide range of lucrative benefits on its auto insurance policy which include: