Underwriting

Also called Automotive Insurance   a contract by which the Insurer assumes the risk of any loss the owner or driver of a car may incur through damage to property or persons as the result of an accident. There are many specific forms of Motor Vehicle Insurance, varying not only in the kinds of risk that they cover but also in the legal principles underlying them.

What is Motor Insurance?

Motor Insurance is a type of Insurance policy that consumers can purchase for cars, motorbikes, vans and other motor vehicles. It covers the Insured against the cost of repairing a vehicle following an accident, theft or damage; and against any liability claims. Owning or driving any motor vehicle means taking risks for yourself and others, thus making it compulsory in the UAE.

EIC provides a broad range of Insurance Products and Services to meet the needs of Companies, Business Establishments, Organizations, and Individuals. In Motor Insurance, we offer the following types of motor insurance:

1) Third Party Only (TPO):
The cover insures against accidental damage to a third party vehicle, injury to third parties, Liability towards property damage and to passengers in the policyholder's car. Our policy offers you a Third Property liability cover limit up to DH: 500,000/= per any one accident.

2) Third Party Fire and Theft (TPFT):
Normally include all the benefits of third party, with the addition coverage of fire and theft, attempted theft and taking without consent.
 
3) Comprehensive Car Insurance, (loss damage and third party):
Loss damage and third party car insurance covers against accidental damage to a third party vehicle or property and to the policyholder's car, injury to third parties and liability to passengers in the policyholder's car and subject to certain conditions.

Enjoy the following facilities to save and pay lower premiums:

• No Claim Discounts, 
• One named driver,
• Voluntary Excess,
• Fleet and others.

There are many cheap motor insurance providers in the UAE, however make sure that you choose a policy that is right for you and with a reputable insurer.

Claims Handling

We work with you throughout the entire claim process — from initial response through final resolution — to provide fast, professional service and to settle your claim, without delays.  

• A claims representative will answer your questions and schedule an inspection of your vehicle. Be sure to discuss any questions you have about deductibles, what is covered, or any issues relating to the repairs at this time.
• We'll keep you informed about your claim by periodically checking the status of repairs and addressing any further issues, such as additional damage, supplemental payments, or changes to the expected completion date, while your vehicle is in the workshop.

You will experience the following qualities when you deal with Emirates Insurance Company.

• Convenience — Repair shops in our network give your vehicle priority status while it's in the workshop, and, we'll handle the repairs for you, from start to finish.
• Speed — we work to minimize the repair time, which means a quicker reunion with your car.
• Quality — we select repair shops in our network based on factors including the quality of repairs.