What documents are required for reporting a Motor claim?

Submit the following documents:

  1. Copy of driving license (both sides)
  2. Copy of registration card (Mulkiya)
  3. Police report
Should I visit Fidelity United offices to report a Motor claim?

No, you need not visit our offices to report a Motor claim. You can scan and send the Police report, Mulkiya and Driving License to e-mail: or whatsapp : 0566852039

Whom should I call if my vehicle cannot be driven after the accident?

If policy has roadside assistance facility, kindly call our 24-hour emergency roadside assistance service provider on 800 4101 to tow the vehicle to the nearest approved workshop.

When will the repairs start for my accident vehicle?

Once we receive the repair estimate from the workshop, we shall depute one of our Motor surveyors to inspect the vehicle and finalize repair costs.

Motor Insurance

Have a comprehensive car insurance policy. What will it cover?

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.
Only have a third party liability policy. What will it cover?

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.
Have an old car. Can you provide comprehensive cover for all vehicles irrespective of vehicle age?

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.

What is the "No Claim Discount" (NCD)?

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.

What are the free insurance benefits I can receive with my car insurance policy?

Fidelity United offers a range of discounts and free insurance covers including:

  • Oman cover.
  • Natural perils, riot, strike and civil commotion cover.
  • Agency repair for new cars up to first two years.
  • Emergency medical expenses up to AED 1,500.
  • Extended legal liability to family members.
  • Extended third party property damage up to AED 2,000,000.
What is the excess (deductible) if I claim?

The excess or deductible is the customer contribution made at the time of non-recoverable claim(s) due to an accident. Non-recoverable motor claims usually occur when an accident is caused by the insurance policy holder. Our standard excess is as per UAE law.

What do I need to do to apply for a claim?

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
Am I eligible for permanent agency repair cover?

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.

In case of a claim, will you be able to provide me with an alternative car to use while mine is in the garage?

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.

Can I cancel my policy at any time?

Policy cancellations can be made subject to the following:

  • Deregistration of the vehicle.
  • Transfer of ownership of the vehicle.
In case the policy is cancelled, do you return the premium for the unexpired period?

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.

In case of selling my car, is it possible to transfer the insurance to the buyer's name?

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.

Why do I need 13 months of insurance and not an annual insurance of 12 months?

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

Why can't the insurance and registration be in two different names?

This is a UAE Traffic law requirement.

Why can't the insurance be transferred when the vehicle is sold?

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.

Why can't the insurance and registration be in two different names?

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.

How do you calculate my insurance premium?

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.

Medical Insurance

Is there any cut-off period for claim submission within UAE and outside UAE?

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).

Do you provide domestic helpers insurance?

Yes, in Northern Emirates only.

I have lost my medical card. What should I do?

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

How do I make a claim?

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/- is required to submit the original documents before claim settlement

What is co-pay?

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

General Insurance

What is a deductible

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.

Do you cover jet skis on standalone basis?

No. we cover them only if the owner has a pleasure craft and has insured the same with us. We do not offer insurance for stand-alone jet skis.

What is the difference between Property All Risks (PAR) policy and Fire and Allied Perils (FAP) policy?

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.

What does a Business Interruption (BI) policy cover?

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.

What is a Construction All Risks (CAR) insurance and can this be covered for the entire duration of the project?

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.

Do I need to take insurance for the shop /building if I am not the owner?

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.

What is property insurance?

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

What is Personal Accident Insurance?

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

Does this policy cover medical expenses incurred due to an accident?

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

How do I determine what kind of insurance cover is required for my business?

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.

How does liability insurance coverage protect my small business?

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.

What does the term "bodily injury" in a liability insurance policy mean?

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

How does Workmen compensation policy respond in case of an accident?

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.

What are errors & omissions insurance?

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.

What are the requirements for marine cargo insurance?

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.

Home Insurance

Will my policy be valid if I go away on holiday?

While you are away, Home insurance cover is provided with the condition that you do not leave your home unoccupied for more than 30 days.

What is Domestic Helper cover?

We will pay up to AED 30,000 in the event of accidental death or permanent and/or total/partial disability of a domestic helper employed by you.

We will pay up to AED 30,000 in the event of accidental death or permanent and/or total/partial disability of a domestic helper employed by you.

This covers deterioration of food stored in your refrigerator following its breakdown or following failure of public power supply.