Yes, car insurance is a legal requirement for all vehicles in the UAE. You cannot register your car without valid insurance coverage.

Insurance premiums are calculated based on factors like the vehicle’s age, model, value, driver’s age and driving history, and the type of coverage selected.

The cost of car insurance in the UAE is influenced by vehicle and driver-specific details. The age and condition of the vehicle play a pivotal role; older cars might be more expensive to insure due to potential issues, while newer, well-maintained vehicles often attract lower premiums. The driver's age is another significant factor, with younger and much older drivers typically facing higher rates due to statistical accident probabilities. A driver's record, both in terms of driving behaviour and claim history, can increase or decrease premiums. The vehicle's market value also matters; higher-value cars might attract higher insurance rates. Additionally, the type of insurance plan, its coverage, and the chosen deductible amount will effect the final premium.

Yes, the no-claims discount, or no-claims bonus, is transferable. You can obtain a certificate from your previous insurer and present it to the new provider to benefit from the discount. 

After ensuring everyone's safety, report the accident to the police. You will need the police report to process your claim. Contact us when you have the report or submit a claim using our  online claim tool . Once the claim is submitted, you will receive an SMS providing the claim reference number and contact details of the workshop as per your policy coverage.

Some policies offer GCC-wide coverage as an optional add-on, while others might include it in their standard packages. Add these to your GIG Gulf Motor Prestige or Motor Perfect insurance policies while getting a quote.

Off-road coverage is designed to protect your vehicle during off-road adventures. GIG Gulf’s Motor Third Party does not cover off-roading, but Prestige and Perfect do.  

Driving without insurance is illegal and can result in hefty fines, black points on your driving license, vehicle impoundment, and difficulties obtaining future insurance coverage.

You can book your service online through this  link . The insured vehicle will be taken for inspection only once. If due to any reason, the vehicle needs to be taken more than once, and you will be charged an extra fee. It is your responsibility to make sure all the fines are paid in advance. Please note that the inspection cost will not be bared by GIG.

Hire Car - documents required 

• Copy of the Emirates ID
• Copy of the driving license
• Copy of the passport and visa
• Copy of credit card

Inspection service - documents required

• Copy of the Emirates ID
• Copy of the driving license
• Copy of the passport and visa
• Original old registration card

Benefit from this service when you need to pick your car up or drop it off at the workshop for a service. Service available to use once a year.

- This service is not valid for motor cycles, commercial vehicles, pickup trucks and vans.

- Booking must be within the same emirate.

- Service centre charges/excess charges to be borne by the customer and paid directly to the service centre.

• Car Inspection service to be booked 48 hours prior to the required time.
• Airport pick up and Drop off to be booked 24 hours prior to the required time.
• Car service pick up and drop off to be booked 48 hours prior to the required time. 

​​​​​​Third Party Car Insurance is a basic type of car insurance that covers damages and injuries caused by the insured vehicle to other people or property, but not to the insured vehicle itself.

No, it only covers damages or injuries you cause to other parties. Damage to your vehicle would need comprehensive insurance.

Premiums are determined by various factors, including the vehicle type, age, engine size, and the driver's age and driving history.

Your Third Party Insurance will cover the damages and injuries to the other party involved in the accident. However, any damages to your vehicle will be your responsibility.

Yes, you can upgrade anytime – contact GIG Gulf's customer service to discuss the process by calling our toll-free number,  800 292 .

Once all necessary details are provided and the premium is paid, your policy can be issued online instantly or within a short time.

No, Third Party Insurance is designed to cover liabilities to other parties. Theft or fire-related damages would require more comprehensive insurance.

1. Roadside Assistance:
If you need roadside assistance, please call our toll-free number. We will coordinate with the towing service to assist you.
Roadside Assistance service is covered within your city and to the nearest workshop.

2. Get the Police Report:
In case of an accident, you may contact the Police on 999 or alternatively through Dubai Police App (for minor accident).

3. Register Your Claim:
You can register your claim online on the GIG Gulf website at https://www.giggulf.ae/en/customer-portal You will receive your Claim Reference Number.

4. Workshop/Agency Allocation:
Once your claim is opened, GIG Gulf will send you a confirmation email or SMS with details of the workshop or agency (if eligible for agency repair) where you can drop off your vehicle for a repair estimate.

5. Rental Car Booking (if eligible):
If your policy includes hire car service, you can book a rental car on our website at least 24 hours in advance.

6. Repair:
Once repair is authorized, you will be notified via SMS/email.

Note:
For traffic collision claims where a third party is at fault, it is mandatory to wait for approval from the third party's insurance company before proceeding with the claim.
For claims where you are responsible for the damage (any claim that is non-recoverable), you will need to pay the standard excess amount to the workshop (and any other applicable excess), as per policy terms and conditions.

7. Real-Time Tracking Status of the Claim:
You can track the status of your claim on the GIG Gulf website at https://www.giggulf.ae/en/track-motor-claims using your Claim Reference Number.

Contact us on our toll-free number 800 292 and select the "Roadside Assistance" option, which is available 24/7.

The GIG Gulf Policy Reference Number is mentioned in your Policy Schedule Document. For example, it might look like this: 13/VA/123456789/0/0.

To book a rental car service, please follow these steps:

Ensure that you are eligible for hire car coverage under your policy.
Confirm that a claim has been opened and you have a valid claim number.

Book the service on GIG Gulf website at least 24 hours in advance to ensure availability.

For AT FAULT claims, hire car is provided as per Policy Terms and Conditions. For NOT AT FAULT claims, hire car may be extended for the duration of repairs (not exceeding 15 days in total), subject to appropriate approvals from the faulty party Insurer.

If your policy is eligible for Airport Pickup/Drop off service, please click the link below to book the service. Make sure to book the service at least 48 hours in advance:
https://www.giggulf.ae/en/customer-portal
 

If your policy is eligible for Car Service Pickup & Drop off service, please click the link below to book the service. Make sure to book at least 48 hours in advance:
https://www.giggulf.ae/en/customer-portal

You can register your windscreen claim online in 5 minutes by following these steps:

Visit GIG Gulf customer portal at https://www.giggulf.ae/en/customer-portal

Ensure you have the following information ready:
- Your GIG Gulf Policy Reference Number
- The Driving License of the person who was driving the car at the time of the accident (Front & Back sides)
- Your Car Registration Card (Front & Back sides)
- Police Report/ GIG Gulf Claim Form fully filled and signed by the insured (available for download at the provided link)
- Clear pictures of the damage

Once the online form is completed with the required details completed, you will receive a confirmation along with your Claim Reference Number.

You can register your flood claim online in 5 minutes by following these steps:

Visit GIG Gulf customer portal at https://www.giggulf.ae/en/customer-portal

Ensure you have the following information ready:
- Your GIG Gulf Policy Reference Number
- The Driving License of the person who was driving the car at the time of the accident (Front & Back sides)
- Your Car Registration Card (Front & Back sides)
- Police Report mentioning the date of the incident as the actual date of the flood
- Clear pictures of the Flood damage taken at the time of loss
- GIG Gulf Claim Form fully filled and signed by the insured (available for download at the provided link).

If the vehicle was flooded while in the designated parking of any building, ensure to mention the full building details in the claim form:
* Building Name
* Owner / Developer Name
* Locality, Emirate
* Makani Number (if in Dubai)
If your car was parked at the time of the flood, select "I was driving the car" on the online form.

Once the online form is completed with the required details completed, you will receive a confirmation along with your Claim Reference Number.

Yes, anyone on a Visit Visa can drive a private vehicle if he/she holds an international or converted driving license, and the claim is covered under these circumstances

We will notify you about the progress of your claim through the journey. For immediate updates, you can track your claim using our website https://www.giggulf.ae/en/customer-portal 

Please contact our technical team directly via email at motorclaims.ml@gig-gulf.com . Kindly include your Claim Reference Number and contact details for assistance regarding your reimbursement payment.

* Basic deductable is the amount paid by the Insured according to the Schedule of Deductibles attached to the Policy per accident. 
* Ancillary deductable is the amount paid by the Insured in addition to the Basic Deductible which is always a fixed percentage of the claimed amount.

You will be required to pay the Excess amount/ Basic and Ancillary Deductable when collecting your vehicle from the workshop/Agency in case of repairs. In case of Total Loss, this will be deducted from the final settlement.

Your vehicle could be considered a Total Loss under the following circumstances:
* If your car is totally damaged beyond repairable conditions due to an accident covered under your policy.
* If the repair cost of your vehicle exceeds 50% of its value at the time of loss, in such condition the vehicle will be qualified to be treated as Total Loss.
Once the vehicle is approved as Total Loss you will be compensated as per the agreed Sum Insured net of depreciation and any applicable excess.

You will receive an Offer Letter from our Total Loss Department detailing compensation offered and all the further steps and procedures to be followed in completing the transaction. 

The Depreciation percentage is applicable as defined in the Policy Terms and Conditions with respect to the age of the vehicle.
The Depreciation percentage is applied on the net cost of the spare part, you may verify the purchase invoice before paying.

If you are eligible for Agency Repairs, your vehicle will be repaired at the vehicle's authorized Agency. If you are entitled for Non-Agency Repairs, the repairs will be arranged at one of our authorized network garages located nearest to you. These garages are selected based on their quality, experience, expertise, and market reputation.

You can register your claim online in 5 minutes by following these steps:

Visit the GIG Gulf customer portal at https://www.giggulf.ae/en/customer-portal

Ensure you have the following information ready:
- Your GIG Gulf Policy Reference Number
- The Driving License of the person who was driving the car at the time of the accident (Front & Back sides)
- Your Car Registration Card (Front & Back sides)
- Police Report 

Once the online form is completed with the required details completed, you will receive a confirmation along with your Claim Reference Number.