Our comprehensive car insurance policy covers you against loss, damage and third-party liability. You are also protected against:

• Damage to your motor vehicle due to accidental collision, overturning, fire, external explosion, self-ignition, theft, or a malicious act unless specifically excluded.
• Accrued legal liability and agreed costs and expenses against third party bodily injury/ property damage arising out of use of motor vehicles unless specifically excluded.

This is the most basic cover and is compulsory as per the UAE law. Third-party liability covers you against:

• Death or bodily injury to any third party/person.
• Damages to third party property arising out of the use of your motor vehicle. More importantly, this policy does not cover any damage or loss to your own vehicle.

Comprehensive cover is available for vehicles up to the age of 7 years. Vehicles over 7 years need to be referred to our motor team who will review each case and will be as supportive as possible in helping you with your requirements.

A “No Claims Discount” (NCD) is the discount given on your premium based on the experience (i.e. number of years without claims) of the driver.

In the unfortunate event of a claim you will need to submit the following documents along with your claim form:

• Copy of driving license
• Copy of registration (Mulkia)
• Original police report

Agency repair cover is available only for vehicles for up to 2 years from the date of your first registration. Cover can be extended for up to 3 years’ subject to an additional premium and a no own-fault claim.

This facility can be accommodated only if the “rental of alternative vehicle” clause is included in your policy. You can include this clause by paying an additional premium of AED 250.

Policy cancellations can be made subject to the following:

• Deregistration of the vehicle
• Certificate of No Plate
• Transfer of ownership of the vehicle
• For complete details please refer to Motor Policy wordings.

Yes, as long as no claims were made during the Period of Insurance, a refund will be given to You, subject to the Short Rate Schedule.

Transfer of insurance from one driver to another is not permitted as the insurance premium and terms are affected by the experience of the driver.

As per laws set by the Traffic Department, a 13-month insurance period is required to cover the one-month registration grace period.

As this is a UAE Traffic law requirement.

As the insurance premium is affected by the profile of the driver, it is not possible to simply transfer insurance cover from one driver to another. The existing policy must be cancelled. The new owner will then be given a new insurance policy that is required for registration purposes.

The Policy Holder should normally be both the main driver of the vehicle and the registered owner. The Policy Holder must have a financial interest in the vehicle. The traffic department will only register a vehicle in the name stated on the insurance certificate.

A number of factors are used to calculate your Insurance premium. Amongst these factors are the age of the driver, length of driving experience, claims history, location, vehicle value and type.

Yes, for inside UAE sixty (60) days from the date of treatment onwards (from the date the claim happened) For outside UAE ninety (90) days from the date of treatment onwards (from the date the claim happened).

You can use your Emirates ID or virtual card on the mobile App.

You have below options to submit reimbursement claims:

• Submission via Mobile App
• Submission of the original documents to the insurance company
• Submission via Nextcare online web portal

Claims above AED1,500/- require submission of original documents before claim settlement.

A copayment or copay is a fixed amount for a covered service, paid by a patient to the provider of service before receiving the service.

All Cancellations shall be as per the regulations of DHA and HAAD.

For complete details please refer to the Policy wordings.

The premium refund relating to the cancellation of this Insurance Policy will be calculated as follows:-

• Cancelation is done on prorate basis and refund is calculated at minimum of a monthly basis for all Dubai policies
• In case of visa cancelation, Refund will be calculated considering the one-month grace period provided that cancellation proof is submitted with the request
• For Abu Dhabi policies, Cancellation is on short-term basis, Subject to approval from the Company
• For Dubai Visa holders, the Patient Support Program fee of AED 38.85/- per member, is non-refundable
• All Refund shall be as per the regulations of DHA and HAAD

For complete details please refer to the Policy wordings.

Deductible is usually a part of the claim amount either in terms of quantum or percentage which you will bear for each and every claim preferred on us.

If the claim is admissible under the policy, we will pay the amount after deducting this amount from the claim.

Under a PAR policy, all risks are covered other than what is excluded. So, the coverage is defined by exclusion rather than the list of perils. Under FAP policy, the perils are listed out and the coverage is only for loss or damage arising out of these perils.

Under a PAR policy, the burden of proving that a loss did not occur under the policy lies with us whereas under a FAP policy, the burden of proving that a loss occurred lies with you.

BI is normally issued along with a PAR/FAP policy or a machinery policy, which are called the primary policies.

The primary policy covers only the loss or damage to an asset but never covers the interruption to the business because of the said damage to the said asset and the resultant loss of profit or income associated with the interruption.

The BI policy has been designed to cover the loss of profit during the interruption stage of a business along with the expenses which the business will continue to incur despite an interruption to the business – the fixed part of the business expenses called Standing Charges.

CAR policies are designed to cover risks associated with a construction project from the design and conceptual stage till the construction is completed and the project handed over to the Principal.

The policy can be taken by the Principal or the main Contractor and/or the sub-contractors for their respective portion of the project.

They can be taken for the entire length of the project period. The policy also covers the maintenance period subsequent to handing over of the project for a period of 12 months or 24 months as the case may be.

Not required, it is the responsibility of the owner of the building to take insurance, since he has got the insurable interest. You can take insurance for the contents in the shop. However, to protect the tenant in the event of any damage to the building for which he is legally liable, he may opt for Tenants Legal Liability extension under Fire/ Property All Risks Policy.

Property insurance protects your buildings, equipment, stock, furniture and fixtures and business income coverage. Basic property insurance will generally cover your business for losses in the event of a fire or lightning strike and will pay the cost of removing property to protect it from further loss. Additionally, a standard small business insurance policy will usually cover losses from windstorm, hail, explosion, riot and civil commotion and damage caused by aircraft, automobiles or vandalism

Personal Accident insurance covers a person in the event of death or disablement arising from an accident caused by external, violent and visible means.

No, this policy covers permanent total disability and death due to accident.

You can conduct a risk analysis by which you consider all possible risks and determine which are the most significant for your particular business. After considering how likely various losses are to occur, how expensive they are to mitigate you can plan for your insurance cover.

There are many different types of third-party liabilities to be covered for a business. Public liability insurance may protect you from claims arising from someone’s bodily or personal injuries. Other items that could be covered are damage to the property of others, fire, legal liability and related legal defense costs.

This refers to the injury, sickness, disease, or even death, of any person that occurs during the policy period.

Workers’ compensation pays for the rehabilitation, recovery and medical bills of employee’s work-related injuries, as well as lost time when they are unable to work because of a work-related injury. Workers’ compensation is not a substitute for health or medical insurance, since employees are only covered for work related injuries.

Errors & omissions insurance provides coverage for people who give advice, make educated recommendations, design solutions or represent the needs of others. “E&O” is also referred to as professional liability or malpractice insurance. This type of liability insurance would cover you and your employees in the event someone claims you incorrectly performed or failed to perform your professional duties.

Name and address of insured, details of the consignment, packing condition how it is packed? Pallets / carton / bales / bags / bundles etc., conveyance like steamer in container / non-container / on deck / break bulk / bulk &/or airfreight / land conveyance / air parcel post, value, basis of valuation, voyage from where to where, any transshipment is involved or not and confirmation letter from the insured that the rate and terms agreed by him.

This Policy may be cancelled at any time by giving 30 days’ notice in writing at the request of the Insured in which case the Company will retain the customary short period rate for the time the policy has been in force. This Policy may also at any time be terminated at the option of the Company on notice to that effect being given to the Insured in which case the Company shall be liable to repay on demand a rateable proportion of the premium for the unexpired term from the date of cancellation.

For complete details please refer to the Policy wordings.

The Company will retain the customary short period rate for the time the policy has been in force. For complete details please refer to the Policy wordings.

• If the value of your bike is under AED 10,000, it is covered for fire or theft whilst in or outside of the home but not whilst in Bikes under the value of AED 10,000 do not need to be specified on a policy, or listed on a schedule. There is no accidental damage cover for bikes.
• If the value of your bike is over AED 10,000, please provide the sales advisor the value, make, model and details of where Bikes above AED 10,000 require special approval and cover is not automatically guaranteed.

It is very rare to ’lose everything’. Normally fire damage occurs in one room. Should a fire damage all of the property, there will always be some evidence of the contents within that property. Should everything be destroyed or damaged, a settlement will be based on the sum insured as long as the surveyor, who will come to your property, agrees that this was reasonable based on the evidence he finds within. Additionally, we will also request proof of purchase, proof of ownership and proof of existence of the claimed objects.

Any valuable item valued above AED 10,000 needs to be listed on your schedule of insurance. This applies to valuable contents within the home such as sculptures and paintings, and your personal belongings, such as handbags, watches, jewelry, and portable equipment (laptops, cameras, electronic devices)

Paintings, sculptures, rugs, carpets and antiques do not have accidental damage cover.

For items above the single article limit, at the time of policy inception you should  ensure that you have a proof of purchase (receipt or duplicate receipt) or obtain a valuation certificate.

No. Under no circumstance is theft by an employee is covered.

No. It will not be covered under this policy.

In the standard policy wording, this is not an exclusion however if an item has a very high value the Underwriters may choose to apply a clause to confirm that the item must be kept in a safe when not worn.

No. Loss is not covered. Only items stolen, as a result of force or implied force, or damages resulting from an accident are covered.

In the event of theft, Police reports would need to be submitted with theft clearly mentioned.

If the item increases in value every year due to its rarity, the responsibility falls on policy holder to maintain the sum insured accurately. If an item drastically increases in value, the policy holder should obtain a new valuation and update Fidelity United at the time of issuance of the policy by declaring the new value of the item (as per the valuation certificate obtained) — this could also be done during an active policy period by informing Fidelity United — and we will then issue an endorsement stating the difference for which an additional premium may apply.

Pool is covered under building cover as long as it is included in the sum insured.

This Policy may be cancelled at any time at the request of the Policyholder by giving 30 days’ notice to the Company and the premium hereon shall be adjusted on the basis of the Company retaining the customary short term premium.

For complete details please refer to the Policy wordings.

The premium refund relating to the cancellation of this Insurance Policy shall be adjusted on the basis of the Company retaining the customary short term premium.

For complete details please refer to the Policy wordings.

Our pet insurance policies doesn’t cover the cost of vaccinations.However, your pet should be vaccinated against illnesses and regularly have boosters throughout their life.

If you choose not to have your pet vaccinated, any claims on your pet insurance policy connected to any related diseases may not be paid if your pet becomes ill.

Absolutely. You’re free to visit any licensed veterinarian.

A pre-existing condition is a medical condition that pet is undergoing before it’s policy began.

Unfortunately, pre-existing conditions are not covered.

If you wish to cancel your policy please send the below information to buddy@fidelityunited.ae/fidelityWebsite We will send you an email once the cancellation has been actioned.

Unfortunately, pre-existing conditions are not covered.

• Name
• Address
• Email address
• Pet Name
• Microchip No
• Policy number
• Cancellation Date

This is the amount you pay towards the vet fee claim for each condition. Deductible under our polices is amounting 20% of the claim value. Deductible is appliable for each and every claim

Your pet must be 8 weeks old or older on the start date of your first policy. The upper age limit for new policies will be 8 years for Dogs and 10 years for Cats.

Waiting period for illness cover, which means that no claims can be made for illness within the first 30 days of the policy.

Our policy provides insurance for customary and essential fees typically charged by a vet in the provision of treatment. Veterinary fees for treatment are compared to charges for the same or similar treatment to ensure that the treatment and veterinary fees are necessary, essential, and not excessive.

If you need to make a claim, call us on 800842 or submit your claim on the website or via email pet.claims@fidelityWebsite Remember to:

• Have your details ready before you call
• Have your policy number ready, check that the claim is covered by your policy. Each section of the policy wording tells you what is insured and what isn’t insured. The cover you have requested is shown on your policy schedule.

We’re committed to giving excellent customer care, but we’re aware that occasionally mistakes happen. If you feel we’re not providing the level of service you expected, we’ll try to resolve the problem as quickly as possible.

When we calculate premiums, we consider a number of factors such as your pet’s breed, age, gender, claims history and your emirate of residence . In the past few years we’ve seen a rise in the cost of vets’ bills due to improvements and availability in veterinary medicine, such as hydrotherapy. The volume of claims has also increased significantly, which has affected the price for all our customers’ policies.

When we calculate premiums, we consider a number of factors such as your pet’s breed, age, gender and your emirate of residence . In the past few years we’ve seen a rise in the cost of vets’ bills due to improvements and availability in veterinary medicine. The volume of claims has also increased significantly, which has affected the price for all our customers’ policies.

We cover all domestic dogs and cats as long as they do not fall under the prohibited breeds by The UAE Constitution and The Federal Laws.