Tokio Marine Car Insurance

Tokio Marine Insurance at a Glance

The table below gives a quick overview of Tokio Marine insurance to help you understand the insurer’s background, scale and financial strength before choosing its motor insurance in the UAE.

Why Should You Buy Tokio Marine Insurance in the UAE?

Tokio Marine insurance in the UAE covers the everyday needs of car owners, not just accident-related risks. The focus is on convenience, safety and support throughout the policy period. 

• Strong global backing: Tokio Marine is part of a global insurance group with more than 140 years of experience and a strong financial standing.
• 24/7 Roadside Assistance: Help is available round the clock if your car breaks down or you are involved in an accident, subject to policy terms.
• Personal Accident Benefits: Coverage is available for the driver and passengers, helping with financial support in case of accidental injury.
• Courtesy Car (Loss of Use Benefit): If your car is under repair after a covered claim, a replacement vehicle or rental support may be provided, as per policy limits.
• Self-Authorisation Repairs: For small repairs, you can fix your car at a garage of your choice within the approved self-authorisation limit.
• Loyalty Rewards: Long-term customers may be eligible for loyalty benefits, depending on policy terms.
• Superfast Claims Service: Claims are handled through a structured process with authorised garages and inspections to keep delays to a minimum.

Who Should Buy Tokio Marine Insurance?

Tokio Marine car insurance in Dubai is suitable for:

1. Private car owners looking for insurance that fully complies with UAE regulations
2. Drivers of new or well-maintained cars who want comprehensive protection for both their vehicle and third-party liabilities
3. Expatriates and UAE nationals who prefer insurers with a strong global background and local support
4. Drivers who value service support, such as roadside assistance, authorised garages and a structured claims process
5. Careful and regular drivers who may benefit from safe driver discounts and loyalty rewards over time

What Are the Different Tokio Marine Car Insurance Plans in the UAE?

Tokio Marine offers car insurance in the UAE under two main plans. These plans meet different legal and personal protection needs, depending on how much coverage you want for your vehicle.

1. Tokio Must (Comprehensive Car Insurance): Tokio Must is a comprehensive car insurance plan that provides coverage for damage to your own vehicle as well as third-party liabilities. This plan protects you against common risks such as accidents, fire, theft and selected natural events, subject to policy terms. It also includes access to authorised repair garages and additional benefits like roadside assistance, personal accident cover and self-authorisation repairs, where applicable.

2. Tokio Marine Third Party Car Insurance: Tokio Marine Third Party insurance is the mandatory auto insurance required by law in the UAE. This plan covers injuries and property damage caused to a third party due to an accident involving your vehicle. It does not cover any damage to your own car. 

What Is Covered and Not Covered in Tokio Marine Motor Insurance?

Tokio Marine motor insurance coverage depends on the plan you choose. The table below gives a clear comparison of what is covered and what is not covered under Tokio Must (Comprehensive) and Tokio Marine Third Party insurance.

Coverage Details	Tokio Must (Comprehensive)	Tokio Marine Third Party
Damage to your own vehicle due to an accident	Covered	Not covered
Fire and theft	Covered	Not covered
Natural events (as per UAE policy wording)	Covered	Not covered
Damage caused by riot, strike, or civil commotion	Covered	Not covered
Third-party bodily injury	Covered (as awarded by UAE courts)	Covered (as awarded by UAE courts)
Third-party property damage	Up to AED 3 million	Up to AED 2 million
Liability towards family members (up to AED 200,000)	Covered	Covered
Emergency medical expenses	Up to AED 3,000	Not covered
Personal accident cover – driver	Covered	Optional
Personal accident cover – passengers	Covered	Optional
Loss of personal belongings in the car	Up to AED 2,500	Not covered
Windscreen damage excess waiver	Waived once	Not covered
Self-authorisation repairs	Up to AED 1,000	Not covered
Off-road cover	Covered (4WD vehicles only)	Not covered
Oman cover	Covered (own damage only)	Not covered
24/7 accident and breakdown recovery	Covered	Covered (limited)
Taxi fare support (if vehicle not roadworthy)	Up to AED 200	Not covered
National ambulance cover	Up to AED 6,770	Up to AED 6,770

Important to note:

1. All coverage is subject to deductibles, depreciation rules and exclusions mentioned in the unified motor insurance policy.
2. Certain benefits apply only if specifically included in your policy schedule.

Things to Know Before Buying Tokio Marine Car Insurance

Before buying Tokio Marine car insurance in Dubai, it is important to understand how deductibles and depreciation work, as these directly affect how much you may need to pay from your pocket at the time of a claim. 

Understanding Deductibles

A deductible is the amount you pay for each claim before the insurer settles the remaining cost. In Tokio Marine motor insurance, deductibles depend mainly on the value and type of your vehicle.

Here is a simple overview based on private vehicles —

Vehicle Value	Maximum Deductible per Accident
Up to AED 50,000	AED 350
AED 50,001 – AED 100,000	AED 700
AED 100,001 – AED 250,000	AED 1,000
AED 250,001 – AED 500,000	AED 1,200
Above AED 500,000	AED 1,400

Additional deductibles may apply in certain cases, such as:

• If the driver is under 25 years of age
• If the vehicle is modified
• If the vehicle is used as a rental or commercial vehicle

In such cases, the highest applicable deductible is applied.

Depreciation on Replaced Parts

If you choose to replace damaged parts with new parts during a claim, depreciation may apply depending on the age of your vehicle.

Vehicle Age	Depreciation Percentage
Second year	5%
Third year	10%
Fourth year	15%
Fifth year	20%
Sixth year and above	30%

This means older vehicles usually involve higher out-of-pocket costs during claims.

Car Insurance Claim Process of Tokio Marine Insurance

Tokio Marine insurance follows a clear and step-by-step claim process to make sure claims are handled in an organised and transparent way. Whether the claim is for vehicle damage or third-party liability, the process meets UAE regulatory requirements and reduces delays.

Documents Required to File a Claim

Before starting a claim, keep the following documents ready — 

1. Original police report
2. Copy of a valid driving licence
3. Copy of the Mulkiya (vehicle registration card – both sides)
4. Completed the Tokio Marine claim form

Step-by-Step Claim Process

1. Inform Tokio Marine immediately: Report the accident or loss as soon as possible by emailing claim@tmnf.ae or calling the claims helpline.
2. Claim acknowledgement: Tokio Marine will acknowledge your claim and share the claim form along with details of the authorised garage.
3. Submit documents: Provide all required documents to avoid delays in claim assessment.
4. Vehicle inspection: Take your vehicle to the authorised garage. An inspector will assess the damage and estimate repair costs.
5. Approval and repair: Once the claim is approved, a Letter of Payment (LPO) is issued and repairs begin.
6. Vehicle collection: After repairs are completed, you will be informed. Inspect your vehicle before signing the satisfaction or discharge note.

Important Contact Details

1. Tokio Marine Car Insurance Claims Contact Number: 600 50 3030
2. Tokio Marine Insurance Roadside Assistance: 600 50 8181

If roadside assistance is included in your policy, support services such as towing, battery boost, flat tyre assistance and fuel delivery are available across the UAE.

Tokio Marine Car Insurance Policy Cancellation and Refund Rules

Tokio Marine insurance in UAE follows the policy cancellation and refund rules set under the unified motor insurance regulations. These rules explain when a policy can be cancelled and how much premium may be refunded, depending on who requests the cancellation and when it is done.

Cancellation by Tokio Marine

Tokio Marine may cancel a motor insurance policy during the policy period if there are valid reasons to do so. In such cases:

1. The insurer must give at least 30 days’ written notice to the policyholder
2. The reason for cancellation is shared with the insurance authority
3. The unused premium is refunded after deducting the amount for the period the policy was active

Cancellation by the Policyholder

If you wish to cancel your Tokio Marine car insurance in Dubai, you can do so by giving written notice to the insurer.

1. A minimum of 7 days’ prior notice is required
2. The refund is calculated based on how long the policy was active
3. Refunds are subject to the short-rate cancellation schedule, provided there are no paid or pending claims

If a claim has already been made, or if the policyholder was responsible for an accident, a refund may not be available.

Short-Rate Refund Schedule

When a Tokio Marine insurance policy is cancelled early by the insured, the refundable premium depends on the policy duration — 

Policy Period Used	Refundable Premium
Up to 1 month	80%
More than 1 month up to 4 months	70%
More than 4 months up to 6 months	50%
More than 6 months up to 10 months	30%
More than 10 months	No refund

Automatic Policy Termination

Tokio Marine motor insurance is automatically cancelled if the insured vehicle is declared a total loss and deregistered with the traffic authorities. In such cases, the claim is settled as per policy terms and no further premium refund applies.

Important Articles Related Tokio Marine Car Insurance
Tokio Marine Car Insurance Claim	Tokio Marine Car Insurance Garage List
Tokio Marine Comprehensive Car Insurance	Tokio Marine Third Party Car Insurance
Tokio Marine Car Insurance Review in UAE

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