Motor Insurance

Welcome to Motor Insurance department of Fidelity united. With over 35 years of experience in providing Motor Insurance products to our customers in UAE, we are here to ensure YOU (insured) are protected and enjoy peace of mind whilst driving on the road.

Our services under the Motor Insurance entail provision of Third Party and Own Damage covers, as detailed herein below, to both individual and corporate clients.

As per UAE Unified Motor Insurance policy, it is mandatory for every owner of a vehicle plying on any public road to take an insurance policy to cover the amount which the owner becomes legally liable to pay as damages to third parties as a result of accident resulting in death, bodily injury or damage to property. A Certificate of Insurance must always be carried in the vehicle as a proof of such insurance.

Top Features


Our online system is available day and night so you can sign up and manage your cover whenever needed.


Reasonable prices without compromising services


Quick and hassle-free settlement for your motor insurance claims, Multiple choices of customized add-on covers to give you better coverage

Our Insurance products

Comprehensive Cover

Whether you are a corporate or an individual this product covers both your vehicle as well as your Third Party liability with various additional covers that you can be added as per your need.

Some of the salient features of the cover include:

  • Repairs at dealer /Agency or our approved workshops
  • Vehicle Own Damage
  • Third Party Liability Property Damage
  • Third Party Liability Bodily Injury
  • National Ambulance Service
  • Emergency Medical Expenses
  • Personal Belongings
  • Car Replacement (Not At Fault)
  • No Claim Discount
  • Own Damage Oman Geographical Extension
  • Windscreen Accidental Damage Excess Waiver
  • Replacement of Door Locks
  • 24 Hours Emergency Road Side Assistance (800-4101)

Third Party Liability Cover

This covers the legal liability towards a Third Party damages and injuries caused by the insured Motor Vehicle, according to the terms, conditions and exclusions in or appended to this Policy for the amounts the Insured or the drive of the motor vehicle driver must pay against:

  • Bodily Injury to the Third Party as per the unified wording
  • Damage to the property of the Third Party as per the unified wording subject to the limit specified in the Certificate

Additional Covers

Optional Benefits that can be added to both basic covers which can be included /added to the policy at the request of the Insured at an additional premium.

  • Personal accident benefit to the driver
  • Personal accident benefit to the passengers
  • Cover against natural calamities such as Flood, Storm, Hurricane and Earthquake
  • Personal belongings cover for the private vehicles
  • Rental car facility (replacement car for 10 or 5 days)
  • Extend Own Damage Cover Geographical cover to include Sultanate of Oman
  • Loading and Unloading Cover
  • Extension to Cover Special Paints/Stickers/Graphics
  • Tool of Trade Extension
  • Orange Card – Extension of TP cover to include GCC countries

Useful info and Driving safety tips

Keep Your Cell Phone Off.

Don’t Text

Turn on Your Headlights.

Obey the Speed Limit.

Buy Now

We offer a wide range of tailored products to provide you and your family with comprehensive solutions.


Buy Now