MOTOR INSURANCE POLICY WORDING 1

‫‪Welcome to Liva Insurance‬‬ ‫مرحبا بك يف “ليفا” للتأمني‬

‫‪Congratulations on becoming insured with Liva, we are the‬‬
‫تهانينا على حصولك على تغطية تأمني من “ليفا”‪ ،‬مجموعة التأمني متعددة‬
‫‪result of a merger between two dynamic and pioneering‬‬
‫‪companies, RSA and National Life & General Insurance‬‬ ‫املنتجات التأمينية الرائدة يف املنطقة واليت توفر تغطيات تأمني على السيارات‬
‫‪Company. This makes us the region’s leading multi-line‬‬ ‫واملنازل والتأمني أثناء السفر والتأمني الصحي والتأمني على الحياة والعديد‬
‫‪insurance group. Through our combined historic experience,‬‬
‫‪we have been providing motor, home, travel, liability, and‬‬ ‫من تغطيات التأمني التجاري املتنوعة ألكرث من ‪ 80‬عامًاً يف منطقة دول مجلس‬
‫‪various business insurances in the GCC region for over 80‬‬ ‫التعاون الخليجي وتقدم خدمات تأمني تحظى برضا واستحسان ما يزيد عن‬
‫‪years and for 1.5 million happy customers.‬‬ ‫ً‬
‫عميًال‪ .‬و”ليفا” هي العالمة التجارية الجديدة لرشكتني ديناميكيتني‬ ‫‪ 1.5‬مليون‬
‫‪Liva exists to instill confidence in your life to live the life you‬‬ ‫كانتا تعرفان سابقًاً باسم رويال آند صن ألالينس والرشكة الوطنية للتأمني على‬
‫‪want, well prepared for the unexpected.‬‬
‫الحياة والعام والحائزتني على العديد من الجوائز التقديرية‪.‬‬
‫‪Why? Because great insurance is about the right amount of‬‬
‫‪preparedness. Having a listening ear and helping hand at any‬‬ ‫تم إطالق عالمة “ليفا” لغرس الثقة لديك ولتنعم بأسلوب الحياة الذي‬
‫‪time, and every time. Having the coverage itself and all related‬‬ ‫لطاملا كنت تحلم به‪ ،‬ولتكون على أهبة االستعداد ملواجهة الظروف غري‬
‫‪services under one roof.‬‬
‫املتوقعة‪.‬‬
‫‪Inside this booklet, you’ll find all the details about what your‬‬
‫‪policy covers and what it doesn’t. It also contains important‬‬ ‫ملاذا “ليفا”؟ ألن التأمني الفعال هو الذي يمنحك القدر الكايف من االستعداد‬
‫‪information about our dedicated helpline and the simple‬‬ ‫ّ‬
‫واملصّمم نتيجة اإلصغاء‬ ‫األنسب والجاهزية القصوى لكل ما هو غري متوقع‪،‬‬
‫‪process for making a claim.‬‬
‫ملتطلبات العمالء‪ ،‬وتقديم العون لهم يف أي وقت وكل وقت يحتاجونه‪ .‬بمعىن‬
‫‪Please take a moment to read through your policy booklet‬‬ ‫آخر‪ ،‬إنه التأمني القادر على تزويدك بالتغطية املطلوبة ذاتها وكافة الخدمات ذات‬
‫‪carefully and digitally store it in a secure place for future‬‬
‫‪reference.‬‬ ‫الصلة تحت مظلة واحدة‪.‬‬

‫‪We welcome you to the Liva family and wish you a safe and‬‬ ‫ستجد يف هذا الكتّيّب التعريفي جميع التفاصيل املطلوبة حول مجمل تغطيات‬
‫‪hassle-free year‬‬
‫التأمني املتاحة وغري املتاحة يف بوليصتك‪ .‬كما يحتوي الكتّيّب على معلومات مهمة‬
‫‪Liva Insurance‬‬ ‫حول خط املساعدة املخصص لدينا والخطوات املبسطة املمكن اتباعها لتقديم‬
‫‪Life’s good when you’re covered.‬‬ ‫املطالبة‪.‬‬

‫يرجى تخصيص بعض الوقت لقراءة كتيب البوليصة الخاص بك بعناية وتخزينه‬
‫رقميًاً يف مكان آمن على أحد األجهزة املتوفرة لديك بحيث يمكنك الرجوع إليه‬
‫ً‬
‫مستقبًال عن اللزوم‪.‬‬ ‫بسهولة‬

‫نرّحب بك مجددًاً يف أرسة “ليفا”‪ ،‬ونتمىن لك عامًاً من القيادة اآلمنة والخالية‬

‫ّ‬
‫من املتاعب‪.‬‬

‫“ليفا” للتأمني‬

‫الحياة حلوة وانت ُُم َ‬

‫ؤَّمن‬

‫‪MOTOR INSURANCE POLICY WORDING‬‬ ‫‪2‬‬

YOUR CONTENTS GUIDE
I. Insuring You For Additional Incidents IV. Value - Add
Perils Of Nature, Riot, Strike & Civil Territory Extended to Oman

Commotion Territory Extended To Other GCC Countries

Windscreen Third Party Liability Limit for Property Damage

Loss of Personal Items Third Party Liability to Family Members and Passengers

Off Road Cover

II Your Vehicle Repairing Options Driving Another Car

Emergency Repairs Motor Garage And/Or Valet Parking

Agency Repairs No Claims Discount

Liva Approved Garages (Non-Agency) No Claims Discount Protection

New Replacement Vehicle

Taxi Fares

24 Hours Accident And Breakdown Recovery

Replacement Of Locks

Temporary Rent-A-Car

Personal Accident & Emergency

Personal Accident Benefit - Driver

Personal Accident Benefit - Passengers

Personal Injury Cover

Emergency Medical Expenses

Ambulance Cost

MOTOR INSURANCE POLICY WORDING 3

COMMONLY USED TERMS
The following terms and phrases shall have the meanings Geographical Area (Territorial Limits):
indicated besides each of them unless the context provided
These are
otherwise:
− UAE
Accident:
− Any other area stated in Your Policy
Any incident that causes harm to a Third Party/ Injured Party
as a result of, use explosion, combustion, scattering, drop of Household/Family Members:
things from, movement, spontaneous movement or parking of
the Motor Vehicle. The person(s) named in the Policy and members of the
family permanently residing with him/her, including resident
Ancillary Deductible: domestic workers employed by the Insured and for who he/
she is legally responsible.
The amount paid by the Insured according to the Policy
inaddition to the Basic Deductible. Insured /You/Your/Policyholder:
Agency Repairs: A natural or corporate person, that has applied for insurance,
entered into an insurance contract with the Company and paid
If Agency Repair cover is included in Your Policy, then You
or has agreed to pay the premium.
have the option of having Your Vehicle repaired at the
manufacturer’s authorised dealers. If You do not have this Insurance Period:
cover, then We shall select one of Our own Approved Garages
to undertake the repairs. The period of time of motor vehicle insurance up to the end
of the thirteenth month from the commencement of the
Approved Garages: insurance.
In case the Agency Repairs cover is not mentioned in the Injured Third Party:
Policy Schedule the repair to the Insured Vehicle will be done
at one of Our Approved motor Garages. 1. Any natural or corporate person, or their properties,
which have suffered an injury or damage as a result of
Basic Deductible: the Sample of of Motor Insurance accident, excluding
the Insured, the Motor Vehicle Driver and passengers
The amount paid by the Insured accordingto the Schedule of
employed by the Insured if they are injured during and
Deductibles attached to this Policy per accident. We will not
because of work.
charge you any deductible for theft of the Insured Vehicle, fire
or windscreen claim. 2. The family members of the Insured and the Motor Vehicle
Driver (spouse, parents and children) who caused the
Bodily Injury:
accident.
Death and/or physical injuries to a Third Party, including
3. The driver of a Motor Vehicle allocated for rent, public
permanent disability or temporary total or partial disability.
transportation or a vehicle used to teach driving.
Company (Insurer)/ We/Us/Our:
Insurance Application:
The insurance company that is licensed to operate inside the
The application that includes the details of the Insured, the
State according to the laws and regulations in the State and
details of the Motor Vehicle and the type of required coverage,
accepts to insure the Motor Vehicle and has issued the Policy.
and is filled in by or with the knowledge of the Insured
Certificate of Motor Insurance: electronically or in writing to renew it within 30 days from the
date of accident.
This document proves that You have motor insurance in
compliance with UAE road traffic laws and is duly signed by In-Car Accessories: This is:
Our authorised representative.
− A radio, cassette, compact disc player or other audio
Domestic Workers: equipment

Resident domestic servants employed by You, permanently − A phone or other communication equipment
residing in Your home and for who You are legally responsible
− Navigation equipment - A television or other visual
Depreciation Percentage: entertainment equipment including video cassette
recorders
The percentage payable by the injured party on the occurrence
of an accident, and who requests the replacement of new DVD players and games consoles The equipment must be
parts in lieu of the used parts in case of partial loss according parts that are originally installed in the vehicle by the vehicle
to the schedules of depreciation. manufacturers and included in the original vehicles value

Flood: Motor Vehicle Driver (Licensed Driver):

An event that occurs within the concept of Natural Disasters. The insured or any person who drives the Motor Vehicle by

MOTOR INSURANCE POLICY WORDING 4

the permission or order of the Insured, provided that they Semi-Trailer:
are licensed to drive according to the Motor Vehicle category
pursuant to the Traffic Laws and other laws and regulations, A trailer without a front axle and is towed in such a way that
and that the granted license has not been cancelled by a a large part of its weight and tonnage is carried by the towing
court’s order or by virtue of the Traffic Laws and its Executive vehicle or the mechanical vehicle (locomotive).
Regulations. This definition includes the driver whose driving
license has expired if they manage to renew it within thirty Schedule:
days from the date of accident.
The document which describes - You and Your vehicle - Any
Motor Vehicle: special details of Your Policy such as Excess or special terms
and conditions
A mechanical machine, motor cycle or any other device that
works through a mechanical force, and its specifications are Spouse:
described in the Policy.
A Spouse is a life partner in a marriage, generally termed as
Natural Disaster: husband or wife.

Any general phenomenon that arises from nature such as Standard Cover:
floods, tornadoes, hurricanes, volcanos, earthquakes and
These are basic covers prescribed by the UAE Insurance
quakes, and leads to extensive and widespread damage, and
Authority. These covers can be found in Section 1 and 2 of the
in respect of which a decision is issued by the concerned
booklet
authority in the State.
Trailer:
Personal Accidents Endorsement:
A vehicle designed to be pulled behind a Motor Vehicle,
An additional insurance coverage against personal accidents
truck or towing vehicle, including lightweight trailer (camper
to the Motor Vehicle Driver, the Insured and the passengers
trailer), the weight of which does not exceed 750 kg and it so
excluded from the basic coverage in return for an additional
licensed according to the applicable Traffic Laws.
premium.
Third Party Liability:
Premium:
The liability for injuries and damages arising from the use of
The consideration that is payed or undertaken to be paid by
the Insured Motor Vehicle to a Third Party/Injured Party.
the Insured in return for Insurance Coverage.
Vehicle Insured Value:
Policy - Third Party Liability:
The amount stated in the Policy which We shall pay in the
The Unified Motor Vehicle Insurance Policy Against Third Party
event of a total loss after deducting depreciation in line with
Liability whereby the Company undertakes to compensate
the usual scale
the injured third party, on the occurrence of the damage
hereby covered, and any endorsement to it, which governs the
relationship between the parties, in return of the premium
paid by the Insured.
FAQS
Policy - Loss and Damage:

The Unified Motor Vehicle Insurance Policy against Loss and

CLAIMS & RELATED INFORMATION
Damage and any rider to it, which governs the relationship In the event of a claim, what is Liva expected to pay for?
between the Insured and the Company, and whereby the
Company undertakes to compensate the Insured, on the Once Our team of insurance claim experts undertake an
occurrence of the damage hereby covered, in return of the analysis of the incident and We agree to cover Your claim, We
premium paid by the Insured. shall:

Property Damage: − Repair, reinstate or replace the Insured Vehicle or any part
thereof as per the terms of the Policy.
Damage to a Third Party’s property.
− Pay for any other benefits that apply to Your Policy
Rider:
− Pay for any optional covers You have added to Your Policy
Any special agreement between the parties in supplement to
the basic coverages under this Policy. − Deduct any amounts that apply, for example, Excess or
unpaid premium
Road:
What is the Excess (deductible) if I make a claim?
Every road open and available to public without need to get
special permission, and every place that is made available for It is a customer contribution at the time of any claim, which
the crossing of motor vehicles, and is made available to the cannot be fully recovered from a Third Party or from Us.
public by a permission or license from a concerned authority
or otherwise, for or without consideration according to the
definition mentioned in the applicable Traffic Laws.

MOTOR INSURANCE POLICY WORDING 5

In case of a claim, will You be able to provide me with an Why do I need 13 months of insurance and not an annual
alternative vehicle to use while mine is in the Garage? insurance of 12 months?

This facility can be provided in the event of an accident and if A 13-month insurance period is required by the Traffic
You have selected the “Temporary Rent-A-Car” option at the Authorities in UAE to cover for the one month registration
time of the Policy inception for an additional premium grace period provided at the end of the 12-month registration
period.

Can I cancel my Policy at any time?

What is No claims discount (NCD)?
Yes You can, but the UAE Ministry of Economy mandates
It is a discount given on the premium You pay, when You the Insurance Company to obtain copies of the following
provide evidence of no claims from Your previous Insurance documents before cancelling Section 2 (Third Party Liability)
Company or You have a claim free record with Liva. of the Policy:

What is No claims discount (NCD)? − De-registration of vehiclee

If You have selected Agency Repairs coverage then Your − Transfer of ownership of the vehicle
vehicle will be repaired at the vehicle’s authorised dealership.
− Number plate certificate
Otherwise We will select one of Our Approved Garages. We
only use garages that adhere to Our strict quality controls. In case the Policy is cancelled, do You return the premium for
Garages must have experienced qualify personnel and access the unexpired period?
to sophisticated repair equipment. For this reason, We are
able to offer a -6month guarantee on mechanical work and Yes, as long as no claims were made during the Period of
-12month guarantee on body repairs and paint jobs. Insurance, a refund will be given to You, subject to the Short
Rate Schedule.

Why can’t the insurance and registration be in two different

names?
INSURANCE POLICY TYPE & RELATED
The Policyholder should normally be both the main driver of
INFORMATION the Insured Vehicle and the registered owner.

What are the different types of Motor Insurance, provided by The Policyholder must have a financial interest in the Insured
Liva? Vehicle. The traffic department will only register a vehicle in
the name stated in the Certificate of Motor Insurance. This is a
Motor Value UAE traffic law requirement.
Basic cover for Third Party Liability How do You calculate my Insurance premium?
Motor Smart A number of factors are used to calculate Your insurance
premium. Amongst these factors are the age of the driver,
Standard Cover for Loss or Damage to Insured Vehicle and
length of driving experience, claims history, location, vehicle
Third Party Liability
value and type.
Motor Executive
What is Insured as part of my Liva Motor Insurance Policy?
Highest level of cover offering unmatched benefits to vehicle
We insure Your vehicle, including any standard equipment
owners
that comes with it and any modifications, options or In-Car
What law is applicable to my Liva Motor Insurance Policy? Accessories that are attached to it and shown on Your current
Policy Schedule.
The law of United Arab Emirates will be applicable to Your
Insurance Policy. What is an Orange Card?

What is a comprehensive motor vehicle Policy? This is a unified insurance scheme, which is required by
vehicles traveling from one Arab country to another. It
It is a comprehensive insurance cover as per the UAE Unified covers Third Party Liability (TPL) as per the prevailing laws
motor policy covering of the country where the accident has taken place. Liva has
authorisation to issue Orange Card if necessary, for their
− Damage to the Insured Vehicle due to accidental collision, customers. Therefore, please reach out to us in case You are
overturning, theft, or a malicious act unless specifically required to travel to Oman.
excluded
Can You provide comprehensive cover for all vehicles
− Accrued legal liability & agreed costs and expenses irrespective of age?
against Third Party bodily injury/property damage arising
outof use of the Insured Vehicle unless specifically The comprehensive cover is available for vehicles up to the
excluded age of 7 years subject to Liva approval. 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.

MOTOR INSURANCE POLICY WORDING 6

 I only have a Third Party Liability Policy. What will it cover?

Will I be Eligible for a permanent Agency Repair cover? The cover is compulsory as per the UAE law and it’s features
are:
Agency repair cover is available for a vehicle for up to two
years from its first registration as new. Cover can be extended − Death or bodily injury to any Third Party/person.
for up to five years, subject to an additional premium.
− Damages to Third Party property arising out of the use of
In case of selling my vehicle, is it possible to transfer the Your vehicle.
insurance to the buyer’s name?
More importantly, this Policy does not cover any damage or
No, as the insurance premium and terms are affected by the loss to Your vehicle.
profile and driving experience of the driver, it is not possible
to transfer the cover from one driver to another.

OUR COVERS AND BENEFITS

Motor Insurance Product Type Motor Executive Motor Smart

Executive Comprehensive
Description of Cover

MAIN COVERS

Loss or Damage to the Insured Vehicle As per the Vehicle Value As per the Vehicle Value

Third Party Liability for Bodily Injury Unlimited Unlimited

Third Party Liability for Property Damage AED 5,000,000 AED 3,500,000

ENHANCED MOTOR PROTECTION

Territory Extended to Oman Yes Yes

Third Party Liability to Family Members and Passengers Yes Yes

Driving Another Car Yes Yes

Ambulance Cost AED 6,770 AED 6,770

Perils Of Nature, Riot, Strike & Civil Commotion Yes Yes

Windscreen Yes Yes

MOTOR INSURANCE POLICY WORDING 7

 OUR COVERS AND BENEFITS

Motor Insurance Product Type Motor Executive Motor Smart

Description of Cover Executive Comprehensive

ENHANCED MOTOR PROTECTION

Loss of Personal Items AED 7,500 AED 5,000

Emergency Medical Expenses AED 6,000 AED 3,500

Personal Injury Cover AED 20,000 AED 20,000

Replacement of Locks AED 7,500 AED 5,000

Motor Garage And/Or Valet Parking Yes Yes

No Claims Discount Yes Yes

Emergency Repairs AED 1,000 AED 1,000

Liva Approved Garages (Non-Agency) Yes Yes

New Vehicle Replacement 12 Months 6 Months

Taxi Fares AED 500 AED 300

OUR COVERS AND BENEFITS

Motor Insurance Product Type Motor Executive Motor Smart

Description of Cover Executive Comprehensive

ADDITIONAL BENEFITS YOU CAN ADD

Personal Accident Benefit - Driver AED 200,000 Included AED 200,000 Optional

Personal Accident Benefit - Passengers AED 200,000 Included AED 200,000 Optional

Temporary Rent-A-Car Included (Optional)

No Claims Discount Protection Included (Optional)

Territory Extended to other GCC Countries Included (Optional)

Agency Repairs Included (Optional)

24 Hours Accident and Breakdown Recovery Included (Optional)

MOTOR INSURANCE POLICY WORDING 8

HOW TO REPORT A CLAIM
Making A Claim Involves the Following Steps
HOW TO RAISE A COMPLAINT
Step 1 - Provide required details
At Liva, We are committed to going the extra mile for
Police Report - This report provides a brief description Our customers and wherever possible, exceeding their
and sketch of damages occurred to the Insured Vehicle and expectations. We aim to resolve any compliant or dispute You
also defines the responsibility of each party in an accident may have as quickly as possible. The following steps are part
including bodily injuries to You or Your co-passengers. of Our complaints and disputes procedures:
Since motor garages/workshops would only repair damages
mentioned in the Police report, it is essential for You to ensure Step 1 - Talk to Us First – Notify
these damages are clearly mentioned in the police report
If You believe that We have not delivered the service You
sketch.
expected or You are concerned about any aspect of the service
− Valid Driving License We have provided, then please let Us know by emailing Us at
feedback@ae.rsagroup.com
− Vehicle Registration Card
We promise to:
Step 2 - Lodging Your claim
− Fully investigate Your complaint
Please arrange to deliver the documents mentioned in Step 1
to Liva, via any of the following means; − Keep You informed of progress

Email: nonmotorclaims.ae@livainsurance.com − Do everything possible to resolve Your complaint

(PDF/Word document)
− Learn from Our mistakes
Online: www.Livadirect.ae; upload the documents through
− Use the information from Your complaint to pro actively
Our website under make a claim section or Walk-in: Deliver
improve Our service in the future
them in person to Liva branches across UAE
− Acknowledge Your complaint within 24 hours and try to
Dubai
resolve Your concerns within 48 hours
Ground Floor, Burj Al Salam No.2, Sheikh Zayed Road.
Step 2 - Contact the Liva Senior Complaints Manager
Abu Dhabi
Suite 2, Habib Bank Building, Hamdan Street If You continue to be unhappy with Our response, You may
progress Your complaint to the Liva Senior Complaints
Sharjah
Manager on complaints.ae@livainsurance.com who will
Suite 701, Al Mubarak Centre, Al Arouba Street
conduct a separate investigation and full review. We will issue
Step 3 - Towing and inspection a letter acknowledging Your complaint and We will continue
to keep You well informed of the further actions We will be
In case You have the 24 hours accident and breakdown taking to reach a suitable conclusion. You will receive a final
recovery cover as per the Table of benefits and specified, and response letter from Us to conclude the complaint.
specified in your Insurance Policy, Liva shall arrange for the
Insured Vehicle to be towed or alternatively it could be driven Step 3 - Seek an external review of the decision
by You to one of Our Approved Garages or the manufacturer’s
If You are still not satisfied after the review, or You have not
authorized agency if agency Repairs cover is specified in Your
received a written offer of resolution within 8 weeks from
Policy Schedule.
the date We first received Your complaint, You may refer the
Our motor engineers may need to inspect Your vehicle to complaint to the UAE Insurance Regulator.
agree the repair cost with the garage, which should happen
Thank You for Your feedback
within two working days.
We value Your feedback and at the heart of Our brand We
Step 4 - Assessing and settling
remain dedicated to treating Our customers as individuals
In case the accident has been referred to the court, please get and giving them the best possible service at all times. If We
in touch with Liva immediately. Liva will reserve the right to have fallen short of this promise, We apologise and aim to do
appoint a legal representative in order for Liva to manage Your everything possible to make things right.
case through its lawyers.

In case the repair costs of Your vehicle exceeds 50% of

the depreciated value of the Insured Vehicle (as per the YOUR POLICY COVER
depreciation Schedule described in this booklet), Your vehicle
will be declared a total loss. For the procedure on total loss, Section 1: Loss or Damage to the Insured Ve-
You may contact Our claims team on: 800 774 or email hicle
rsaclaims@ae.rsagroup.com or fax to +971 4 334 8851
The Unified Motor Vehicle Insurance Policy Against Loss
We will settle Your claim through repair or payment of and Damage issued pursuant to the Regulation of Unified
reasonable cost of repair. The Excess and any other deductions Motor Vehicle Insurance Policies according to the Insurance
that may apply would be communicated.

MOTOR INSURANCE POLICY WORDING 9

Authority Board of Directors Decision No. (25) of 2016 related to the accident such as age, gender, or otherwise,
or the agreement will be deemed void.
Whereas the Insured has applied to Liva Insurance Middle
East B.S.C. (c) (hereinafter referred to as the “Company”) 8. a) If the Insured Motor Vehicle is a total loss, and
for the insurance set herein below, and has agreed that the the Company compensates the Insured on that
application is considered as the basis for and integral part basis, the salvage will be deemed property of
of this Policy, and has paid or agreed to pay the applicable the Company. The Insured may not be charged
premium, and the Company has accepted and represented to any expenses related to the transfer of the
pay compensation to the Insured in case of any damage to the Motor Vehicle title or issuance of a certificate of
Motor Vehicle subject to this insurance, whether it emerges ownership of the motor vehicle
from the use or parking of the Motor Vehicle in the UAE during
the insurance period, whether the Insured caused the accident b) The insured shall be liable to pay the dues arising on
or was an injured party; the vehicle before receiving the compensation and
to submit the required papers and power of attorney
Therefore, this Policy was entered into to cover the damages and attend before the competent departments, if
that befall on the Insured Motor Vehicle in the UAE during necessary in order to transfer the ownership of the
the insurance period according to the terms, conditions and Motor Vehicle to the Company. Whereas, in case there
exclusions in or appended to this Policy. is mortgage, the Company shall undertake without
delay the communication with the competent entity
Chapter One: General Conditions ( the owners of mortgages ) to obtain a non-objection
letter to transfer the ownership of the salvage of the
1. The Policy and its schedules shall constitute one integral vehicle to the Company.
contract, and any Rider to this Policy shall constitute an
integral part hereof,and every term or phrase to which a 9. The Company may, at its expense, assume the judicial
special meaning has been given in any part of the Policy and settlement proceddings to represent the Insured
or its schedules shall have the same meaning elsewhere, or the Motor Vehicle Driver through an attorney in any
unless the context otherwise requires. investigation or interrogation and before any court in
any lawsuit or intervention in any phase of the lawsuit in
2. Any Notice or notification of an accident that is required relation to a claim or accident for which the Company may
by this Policy shall be served to the Company in writing be held liable under this Policy and which may give rise
by e-mail, facsimile or by hand delivery to the address to the payment of compensation according to this Policy.
designated in the Policy as soon as practically possible. The Company may settle or enter into a reconciliation
for such claim. The Insured shall provide every possible
3. Any external agreement between the Insured and the
cooperation with the Company by signing a power of
Company that will reduce the coverages hereunder shall
attorney to the attorney or otherwise to enable the
be deemed void.
Company to initiate any proceedings
4. In case of several insurances with more than one
10. For the purpose of verifying the details of the Insured
insurance company, the Company will only be committed
Motor Vehicle, all details in Schedule (5) of this Policy
to compensate damages in the percentage of the amount
shall be an integral part hereof.
insured with it to the total insured amounts against the
insured risk 11. No lawsuit arising from this policy may be filed after
the elapse of three years after the occurrence which has
5. The Company and the Insured may agree, using riders in
given rise to the lawsuit or the related parties become
return for an additional premium and within the scope of
aware of its occurrence.
the terms and conditions herein, that the Company shall
insure against the other damages notprovided for in this 12. The courts of the United Arab Emirates shall be competent
Policy, in particular: to determine any disputes arising from this Policy
a) Insurance against the damages to the properties of 13. In case of the entitlement to the loss of benefit allowance
the Insured or the Motor Vehicle Driver at the time (substitute Motor Vehicle) and the Affected Third Party
of the accident or the properties kept with them in has insurance against loss and damage and Third Party
trust, or in their guardianship or possession under a Liability, he shall be entitled, for the purpose of obtaining
rider to this Policy or a separate policy. the loss of benefit allowance (substitute Motor Vehicle)
to claim directly against his Company, which has the
b) Coverage of the damages or risks which occur outside
right to claim the for same amount paid to the I nsurance
the roads.
Company of the insured, who caused the accident and has
6. Notwithstanding the terms and conditions of this Policy, insurance against Third Party Liability in accordance with
the Insurance Company may not refuse to compensate the rules specified in the Third Party Liability policy
the Insured as a result of late notification of the accident
14. If the motor vehicle “chassis” whether can be replaced
if the delay is attributed to an acceptable excuse.
or irreplaceable is damaged or the durable parts, such
7. With respect to a fleet insurance policy or any motor as pillars are damaged and need cutting, tightening or
Vehicle insured under this Policy, the Company may not welding as a result of the accident, the Motor Vehicle
enter into any external agreement that may reduce the shall be considered a Total Loss and the Company shall
coverage provided under this Policy or depriving the make compensation according to the value agreed upon
insured or the Beneficiary of this policy from exercising between the Company and the Insured in the Insurance
the right to claim for compensation hereunder, including policy
depriving a claim for compensation for any reason not

MOTOR INSURANCE POLICY WORDING 10

Chapter Two: Obligations of the Insurance Company the necessary costs of safeguarding and transporting
the Motor Vehicle to the nearest repair shop, in order to
1. The Company shall compensate the Insured for loss or deliver it to the Insured after repair.
damage that occurs to the Insured Motor Vehicle and its
accessories while in the vehicle, including damaged parts 7. If the damaged Motor Vehicle is repaired with repair shops
and spare parts, in the following cases: approved by the Company, the Company shall ensure
that the Motor Vehicle is repaired properly, carefully
a) If loss or damage arises from an accidental runover, and professionally and that the work is warranted by the
collision, turnover, or incident, or as a result of an repair shops. The Company shall ensure that the Insured
unexpected mechanical breakdown or as a result of is enabled to have the Motor Vehicle checked by any
wear and tear of parts by use; approved motor vehicle examination agency in the UAE
to make sure that the Motor Vehicle has been properly
b) If loss or damage arises from an external fire or repaired without affecting the technical examination
explosion, spontaneous combustion or lightning; of the damaged Motor Vehicle at the concerned official
authorities. If it is found that the repairs are below required
c) If loss or damage arises from robbery or theft;
and recognized technical standards, theCompany shall
d) If loss or damage arises from a third party willful act; address the issue(s) with the repair shop until the Motor
Vehicle is professionally repaired and delivered to the
e) If loss or damage occurs during land transport, Insured.
inland water transport, elevators or lifting machinery
including loading and unloading processes related to 8. In case of any conflict between the Company and the
the aforementioned transport processes; and insured concerning the value of damages or the amount
of compensation, the Authority shall appoint a licensed
f) Any additional coverage to be agreed upon under and registered Surveyor and Loss Adjuster, specialized in
this Policy or special riders to it. this matter, to determine the value of the damages or the
amount of compensation at the Company’s expense for
2. Upon the occurrence of an accident, the Company shall: the purpose of resolving the dispute.

a) Repair the Motor Vehicle or any of its parts, Chapter Three: Obligations of the Insured
accessries, or spare parts and restore the vehicle to
its preaccident condition. 1. To pay the Agreed upon Premium.

b) Pay the amount of loss or damage in cash to the 2. All reasonable precautions must be taken to keep and
Insured if this is agreed on with the Insured. protect the Insured Motor Vehicle from loss or damage
and maintain the same in a good working condition. In
c) Replace the damaged Motor Vehicle in case of a total case of any accident or breakdown of the Motor Vehicle,
loss, unless the Insured requests the Company to pay the Insured may not leave the Insured Motor Vehicle or
them the amount in cash. In this case, the Company any part thereof without taking necessary precautions to
shall respond to the Insured’s request. prevent the aggravation of damages. If the Insured Motor
Vehicle is driven before making necessary repairs by the
3. If the Insured requests that new original parts are to be Insured or the Motor Vehicle Driver, every increase of
installed in lieu of the parts damaged during the accident damage or every damage to the Insured Motor Vehicle
or are to be paid for in cash, the Insured will bear the arising from the same will not be the responsibility of the
Depreciation Percentage set in Schedule (1) of the final Company pursuant to this Policy.
value of the purchase invoice. In case of taxi vehicles,
public transport vehicles and rental vehicles, the Insured 3. The Insured shall remain the sole owner of the Insured
will bear the Depreciation Percentage set in Schedule (2). Motor Vehicle throughout the Insurance Period, and
may not lease the vehicle to any third party or sign any
4. The Insured may assume the repair of damages that occur contract which may restrict their absolute ownership and
to the Motor Vehicle as a result of an insured accident possession of the Motor Vehicle without the prior written
hereunder, provided that the estimated repair costs do consent of the Company.
not exceed the value of repair agreed upon in writing
with the Company. 4. In case of any accident which may give rise to a claim
according to the provisions of this Policy, the Insured shall
5. If the Insured Motor Vehicle is lost, proves to be irreparable, immediately notify the concerned official authorities,
or that costs of repair exceed 50% of the Motor Vehicle and shall promptly notify the Insurer and furnish all
value before the accident, the insured value of the Motor information related to the accident without unjustifiable
Vehicle agreed upon between the Insurer and the Insured delay. The Insured shall furnish the Insurer as soon as
on signing of the Insurance Policy will be the basis of possible for every claim, notice or judicial papers once
calculation of the compensation of loss and damage they receive them.
insured hereunder after deduction of the Depreciation
Percentage of 20% from the insured value, and taking 5. The Company shall be notified as soon as practically
into account the fraction of insurance period (i.e., the possible once they become aware of any lawsuit,
proportion of the period from the commencementdate of investigation or detections concerning the accident. In
the insurance period to the date of the accident to the case of theft or any other criminal act which may give
total insurance period). rise to a claim according to this Policy, the Insured shall
notify the police and the Company promptly and as soon
6. If the Motor Vehicle becomes unroadworthy due to loss as practically possible and cooperate with the Company
or damage insured hereunder, the Company will bear in this respect.

MOTOR INSURANCE POLICY WORDING 11

6. The Insurer may charge the Insured that has caused the by a driver who is not licensed to drive according to the
accident with a deductible amount to be deducted from Traffic Laws or without obtaining a driving license for the
the due amount of compensation due with respect to any kind of the Motor Vehicle according to the Traffic Laws
accident which is caused by them personally or by the and Regulations and the provisions of this Policy, or the
person authorized by them to drive the Motor Vehicle or driver holding an expired Driver’s License who fails to
cases that are deemed committed by an unknown person, renew it within thirty days from the date of the accident,
according to Schedule (3). or the license granted to them has been suspended by
the court or competent authorities or according to the
7. In addition to the deductible amounts set in Schedule Traffic Regulations. This exclusion shall not apply in case
(3), the Insurer may charge the Insured who caused an the motor vehicle is intended for rental, as long as the
accident an additional deductible as follows: leasing contract is concluded with a person who holds a
valid driving license
a) Maximum 10% of the amount of compensation if the
Motor Vehicle Driver is below the age of 25 years. 7. Loss or damage that occurs to the Motor Vehicle, or any
part thereof, with respect to accidents while the Motor
b) Maximum 10% of the amount of compensation in Vehicle is being driven under the influence of narcotics,
case of taxi and public transport vehicles. alcohol or drugs that undermine the driver’s ability to
control the Motor Vehicle if this is proven to the competent
c) Maximum 15% of the amount of compensation of
authorities or confessed by the Motor Vehicle Driver. This
sports cars and modified vehicles.
exclusion does not apply in case of rental vehicles.
d) Maximum 20% of the amount of compensation of
8. Loss or damage that occurs to the Motor Vehicle outside
vehicles modified outside the factory.
the geographical territory set out in this Policy, unless a
e) Maximum 20% of the amount of compensation of rider is issued to extend coverage to this territory.
rental vehicles.
9. The accidents that have occurred, caused, resulted or are
8. For application of paragraph (7) of this Chapter, related directly or indirectly to natural disasters such as
application of Deductible Percentages shall apply the floods, tornadoes, hurricanes, volcanoes, earthquakes
highest percentage in the case of several deductibles for and quakes.
one accident.
10. Invasion, foreign enemy hostilities or warlike operations,
9. In case of Total Loss of the Motor Vehicle, the Deductible whether war is declared or not, civil war, strike, civil
Percentages shall not be applied. commotion, insurrection, revolution, coup d’etat,
usurped power, confiscation, nationalization, radioactive
Chapter Four: Exclusions substances and radioisotopes, atomic or nuclear
explosions, or any factor directly or indirectly related to
The Company will not pay any compensation for the following any of the foregoing causes.
issues:
11. Loss or damage that occurs to the Insured Motor Vehicle
1. Indirect losses that occur to the Insured or devaluation of if the Company loses the right of subrogation to the
the Motor Vehicle as a result of its use, breakdown, defect damage caused due to the Insured’s declaration of
or breakage of the mechanical or electrical devices. being responsible for the accident, which they have not
caused. If this is proven after payment of compensation
2. The damage arising as a result of overload or excess of the to the Insured, the Company may have recourse to it for
limits of permissible width, length or height or the excess recovery of amounts paid to them.
of the number of passengers beyond the licensed number,
provided that it is proved that this is the proximate cause 12. Loss or damage that occurs to the Motor Vehicleoff
ofdamage. the road, as defined, unless a rider is issued extending
coverage to drive outside the road.
3. The damage of tires if it does not occur at the same time
as damage to the Insured Motor Vehicle. Chapter Five: Recourse against the Insured

4. The loss or damage which occurs to the Motor Vehicle The Company may have recourse to the Insured or the Motor
with respect to accidents resulting from: Vehicle Driver or both, as the case may be, in the amount of
compensation paid in the following cases:
a) Use of the Motor Vehicle for purposes other than
those mentioned in the Insurance Application 1. If it is proven that the insurance was concluded based upon
attached to this Policy. the Insured’s misrepresentation and nondisclosureof
material facts that affect the acceptance by the Company
b) Violation of laws if the violation implies an to cover the risks or insurance rate.
intentional felony or misdemeanor according to the
definition mentioned in the applicable Federal Penal 2. If following payment of compensation, it is proven that
Code. the Motor Vehicle was used for purposes other than
those set out in the Insurance Application attached to
5. If it is proven that the Motor Vehicle has been used this Policy, or the maximum number of passengers was
or utilized in a speed race or test, provided that this is exceeded, or the Motor Vehicle was overloaded, or its
proved to be the proximate cause of the accident. loading was not secured correctly or exceeds the limits of
permissible width, length or height, provided that this is
6. The damage to the Motor Vehicle from the accidents proven to be the proximate cause of the accident.
which occur during the Motor Vehicle being operated

MOTOR INSURANCE POLICY WORDING 12

3. If following payment of the compensation it is proven PublicTransport Vehicles and Rental Vehicles, According to the
that there is a violation of the law, if the violation involves Date of First Registration and Use
a willful felony or misdemeanor, as defined in the UAE’s
applicable penal code.

4. If it is proven that loss or damage that occurred to the

Motor Vehicle, or any part thereof, arose from driving the Year Percentage
motor vehicle by a person who is not authorized to drive
in accordance with the Traffic Law or without obtaining
First -
a driving license, or his driving license has expired, or
the Insured or any other person allowed to drive it is
driving under the influence of narcotics, alcohol or drugs Second 5%
that undermine the driver’s ability to control the Motor
Vehicle, if this is proven to the concerned authorities or Third 10%
confessed by the Motor Vehicle Driver. In case of rental
vehicles, recourse will be against the Motor Vehicle
Driver (renter). Fourth 15%

5. If the accident is proven to have occurred intentionally by Fifth 20%

the Insured or the Motor Vehicle Driver.

6. If the trailer, half-trailer or semi-trailer causes an accident, Sixth and above 30%
and the Insured has not agreed with the Company on the Schedule No. (2)
existence of such a trailer.
Depreciation Percentages for Taxi Vehicles, Public Transport
7. If loss or damage that occurs to the Motor Vehicle is a Vehicles and Rental Vehicles, According to the Date of First
result of theft or robbery, recourse will be against the Registration and Use
thief.

Chapter Six: Policy Termination

1. The Company may terminate this Policy on the condition Year Percentage
that there are serious grounds for termination during
the Policy Period by a notice in writing to be sent to the
Last six months of the first year 10%
Insured via e-mail, facsimile, hand delivery or registered
letter thirty days prior to the fixed date of termination to
the latest address of the Insured known by the Company. Second 20%
The Insurance Authority shall be advised of the grounds of
such termination. In this case, the Company shall refund Third 25%
to the Insured the paid premium after deducting a portion
in proportion to the period during which the Policy has
remained in effect. Fourth 30%

2. The Insured may terminate this Policy by a notice in Fifth 35%

writing to be sent to the Company, via e-mail, facsimile,
hand delivery or registered letter seven days prior to the
Sixth and above 40%
fixed date of termination. In this case the Company shall
refund to the Insured the paid premium after deducting
a portion in proportion to the period during which the
Policy has remained in effect subject to the Short Rate
Schedule No. (4), provided that there is no compensation
paid to the Insured or pending claims in relation to this
Policy during the period of time the Policy is valid, if
the Insured has caused the accident or in cases that are
deemed committed by unknown persons.

3. This Policy shall be considered terminated in case of a total

loss to the Motor Vehicle, provided that its registration
is deleted with a report issued by the Road and Traffic
Department confirming that it is unroadworthy, and the
Company shall compensate the Insured according to the
provisions of this Policy

Schedule No. (1)

Depreciation Percentages, Except for Taxi Vehicles,

MOTOR INSURANCE POLICY WORDING 13

Schedule No. (3)
Schedule No. (4)
Deductibles
Short Rate Schedule - Percentages of Recoverable Premium

Motor Vehicle Deductible Policy Validity Period Recoverable

Premium
Private vehicles where the Maximum AED 350/
permissible number of per accident A period not exceeding one month 80%
passengers does not exceed
(9) passengers; and the value
of which does not exceed AED A period exceeding one month and not 70%
50,000 exceeding four months

Private vehicles where the Maximum AED 700/ A period exceeding four months and 50%
permissible number of per accident not exceeding six months
passengers per accident does
not exceed (9) passengers; and
the value of which exceeds A period exceeding six months and not 30%
AED 50,000 and not exceeding ten months
exceeding AED 100,000

Private vehicles where the Maximum AED A period exceeding ten months Nil
permissible number of 1,000/ per accident
passengers does not exceed (9)
passengers; and the value of
which exceeds Schedule No. (5)
AED 100,000 and not exceeding
Schedule of Details of the Insured Motor Vehicle in the
AED 250,000
Insurance Policy against Loss and Damage

Private vehicles where the Maximum AED Details of Motor Vehicle

permissible number of 1,200/ per accident
passengers does not exceed (9)
passengers; and the value of Country of Make, Model
Plate Number
which exceeds AED 250,000 and Manufacture & Color
not
exceeding AED 500,000

Private vehicles where the Maximum AED

permissible number of 1,400/ per accident
passengers does not exceed (9) Motor Vehicle Registration Purpose of
passengers; Classification Type use
and the value of which exceeds
AED 500,000

Private vehicles where Maximum AED

the permissible number 1,500/ per accident
of passengers exceeds (9)
passengers; and does not exceed Number of
Manufactuing Tonnage or
(12) passengers Passenger with
Year Weight
Driver

Private vehicles where the Maximum AED

permissible number of 1,700/ per accident
passengers exceeds (12)
passengers, rental vehicles and
trucks where the tonnage does Engine Number: Chassis Number:
not exceed (3) tons
Liva Insurance Middle East B.S.C. (c) Company declares that
the Motor Vehicle detailed above in this Schedule is insured
Trucks where the tonnage with it according to the provisions of this Policy.
exceeds (3) tons, passenger Maximum AED
buses and industrial per accident 4,500/ per accident.
vehicles for construction and Issued By: Issuance Date:
agricultural works

MOTOR INSURANCE POLICY WORDING 14

 The term of insurance begins at ……………… on …/…/……, and expires at ………… on .../.../…...
Agreed upon premium: Issuance date: …/…/……

Insured’s Details Company’s Details

Insured’s Name : Company’s Name:

Address: Address:

E-mail: E-mail:

Postal Address: Postal Address:

Identification Number :

Phone: Phone

Name and Signature of the Insured or their representative: Signature and stamp of the Company:

Motor Vehicle Insurance Application

Applicant’s Details

Name according to ID First Second Third Family Name

Date of Birth P.O. Box Postal code:

ID Number E-mail

Home Phone Office Phone Mobile

Address/ Emirate

Profession Employer

Driving License Expiration Date

Number

(Trade Name if any) Commercial Register Number

Head Office

MOTOR INSURANCE POLICY WORDING 15

 Motor Vehicle Insurance Application

Insurance Service Details

Registration Mark Truck Small Truck Large Truck Other

Model / Use Rental Driving

Private Commercial Other
Education

Body Number Engine Number

Chassis Number Engine Capacity

(CC)

No. of Passengers Manufacturing

Year
Current Value,
Current Value without
including
Accessories
Accessories (to be
elaborated)

Insurance Period Insurance Type

Insured / Representative Signature

SECTION 2: THIRD PARTY LIABILITY unless the context otherwise requires.

The Unified Motor Insurance Vehicle Insurance Policy Against 2. This Policy does not apply outside the State.
Third Party Liability issued pursuant to the Regulations
3. The Company may not assert to the Injured Third Party
of Unifying Motor Vehicle Insurance Policies according to
that it is not liable for compensation as a result of any
Insurance Authority Board of Directors Decision No. (25) of
argument that can be used against the Insured.
2016
4. The Third Party/ Injured Party may submit a claim to the
Whereas the Insured has applied to Liva Insurance Middle
Company for compensation for damages caused to them
East B.S.C. (c) (hereinafter referred to as the “Company”)
by the Insured Motor Vehicle
for the insurance set herein below, and has agreed that the
application is considered as the basis for and integral part of 5. a) In case of death of a family member of the Insured
this Policy, and has paid or has agreed to pay the applicable or the Motor Vehicle Driver, the Company’s liability
premium, and the Company has accepted and represented to will be limited to an amount of AED 200,000 (Two
pay compensation to a Third Party/ Injured Party in case of any Hundred Thousand Arab Emirates Dirhams) per
accident subject to this insurance, whether it emerges from person. In case of injury, the Insurer’s liability will
the use or parking of the Motor Vehicle in the UAE during the be further limited to the percentage of disability
insurance period; per person.
Therefore, this Policy was entered into to cover liability b) In case of death of the driver of a rental vehicle,
towards a Third Party/ Injured Party caused by the Insured public transport vehicle and a vehicle used to teach
Motor Vehicle to the Third Party/ Injured Party according to driving, the Company’s liability will be limited to an
the terms, conditions and exclusions in or appended to this amount of AED 200,000 (Two Hundred Thousand
Policy for the amounts the Insured or the Motor Vehicle Driver Arab Emirates Dirhams) per person. In case of injury,
must pay against: the Insurer’s liability will be further limited to the
percentage of disability per person.
− Bodily Injury to a Third Party, either inside or outside the
Motor Vehicle 6. Any notice or notification of an accident that is required
by this Policy shall be served to the Company in writing
− Property Damages to a Third Party.
by e-mail, facsimile or by hand delivery to the address
Chapter One: General Conditions designated in the Policy as soon as practically possible.

1. The Policy and its schedules shall constitute one integral 7. a) With respect to a fleet insurance policy or any
contract, and any Rider to this Policy shall constitute an Motor Vehicle insured under this Policy, the
integral part hereof, and every term or phrase to which a Company may not enter into any agreement that
special meaning has been given in any part of the Policy may reduce or prevent the coverage of its full
or its schedules shall have the same meaning elsewhere, Third Party Liability arising from death, bodily

MOTOR INSURANCE POLICY WORDING 16

 injuries or property damages covered under d) The Company shall pay in cash to the Injured Party,
this Policy or reduce the limits of liability of the upon their request, the amount of damages (loss or
Company or reduce the coverage contemplated damage) of the damaged parts of the Motor Vehicle
under this Policy, including depriving a claim in whole any of its parts, accessories or spare parts
for compensation for any. reason not related to and including the charges for installation and
the accident such as age, gender, or the date of replacement of lost or damaged parts at the time
acquiring the driving license, or otherwise, or the of the accident in order to restore the pre-accident
agreement will be deemed void. condition of the Motor Vehicle.

b) However, new coverage not provided for in the Policy 11. The damaged parts of the Motor Vehicle, for which the first
maybe agreed upon or the limits of such liabilities registration and use of which is less than one year, shall
and coverages maybe increased under a separate be replaced with new original parts with no deduction of
policy or an additional rider. a Depreciation Percentage for the Injured Party

8. The Company may, at its expense, assume the judicial 12. If it is agreed with the Injured Third Party to repair the
and settlement proceedings to represent the Insured damaged Motor Vehicle, the Insurance Company shall
or the Motor Vehicle Driver through an attorney in any Repair the damaged Motor Vehicle at the agency repair
investigation or interrogation and before any court inany shop for the motor vehicle if it is in its first year of
lawsuit or intervention in any phase of the lawsuit in registration and use.
relation to a claim or accident for which the Company may
be held liable under this Policy, and which may give rise 13. Upon the lapse of more than one year after registration
to the payment of compensation according to this Policy. and use, the Company shall repair the damaged Motor
The Company may settle or enter into a reconciliation Vehicle at suitable repair shops for the type and year of
for such claim. The Insured shall provide every possible manufacture of the vehicle and the damaged parts may
cooperation with the Company by signing a power of be replaced by other than original parts of the same
attorney to the attorney or otherwise to the Company to grade. The Company shall ensure that repair works are
initiate any proceedings. carried out according to technical standards and that the
work is warranted by the repair shops. The Company shall
9. Without prejudice to the rights emerging from Life ensure that the Injured Third Party is able to have the
insurance policies and personal accident insurance Motor Vehicle checked by any approved Motor Vehicle
policies, and in case of the existence of several compulsory examination agency in the State to make sure that the
policies against Third Party Liability emerging from Motor Vehicle has been properly repaired in accordance
the use of the Motor Vehicle issued by more than one with the technical licensing conditions for endurance
Company: and safety and any other condition without affecting
the technical examination of the Motor Vehicle affected
a) Compensation shall be divided equally between by the accident at the concerned official authorities.
Insurers in case of death and/or injuries. If the If it is found that the repairs are below required and
liability is shared (between the Insured and the recognized technical standards, the Company shall
Third Party/ Injured Party) based on the degree of address the issue(s)until the Third Party’s Motor Vehicle
negligence, then the percentage of participation in is professionally repaired as soon as practically possible.
the negligence shall be taken into account.
b) For the damaged Motor Vehicle, insured against
b) Compensation for property damages shall be divided loss and damage at an Insurance Company with the
based on the percentage of the insured amount set condition of repair within the Agency the repair
out in each policy to total insured amounts in all shall be carried out within the Agency’s repair shops
policies, after the percentage of participation in the pursuant to this condition. The Insurance Company
negligence is taken into account. insuring the loss and damage has the right of recourse
against the Third Party Liability Insurance Company
10. On the occurrence of an accident, the Company shall: in accordance with the following reimbursements
basis:
a) Repair the damaged Motor Vehicle or any of its parts,
accessories or spare parts and restore the Motor (i) The reimbursement for the Motor Vehicle that
Vehicle to its pre-accident condition. has passed more than one year from its first
registration or its use and until the end of the
b) Pay the market value of the damaged Motor Vehicle
second year shall be after deduction of 15% of
if the value of damages exceeds (50%) of the market
the value of the final repair bill.
value of the Motor Vehicle at the time of the accident,
provided that the Company’s liability does not exceed (ii) The reimbursement for the Motor Vehicle that
an amount of Two Million Arab Emirates Dirhams per has passed more than two years from its first
accident according to Paragraph (c) of Clause (1) of registration or its use and until the end of the
Chapter Two: Obligations of the Insurance Company. third year shall be after deduction of 30% of the
value of the final repair bill.
c) Replace the damaged Motor Vehicle in case of total
loss, for another Motor Vehicle with the same make, (iii) In case more than three years have lapsed
model,additions and pre-accident condition unless since the first registration or use of the Motor
the Third Party/ Injured Party requests that the Vehicle, the Company shall abide by repairing
Company pay them amount in cash; in which case, the damaged vehicle at suitable repair shops for
the Company shall accept the Insured’s request. the type and year of manufacture of the vehicle.
The damaged parts shall be replaced with

MOTOR INSURANCE POLICY WORDING 17

 original parts of the same standard, provided Party caused by a trailer or semi-trailer as long as it is
that, if the agreement between the Loss and pulled by the vehicle.
Damage Insurance Company and the insured
has the condition that “repair shall be within the 23. Neither this Policy nor any rider hereto undermines the
agency”, this condition shall remain effective. right of any person to claim for compensation or recovery
of any amount payable under the provisions of any
(iv) The existing rights between companies prior to applicable legislation.
the implementation of this regulation shall be
observed. Chapter Two: Obligations of the Insurance Company

14. If the Injured Third Party requests that new parts are to be 1. In case of any accident that results from the use of the
installed in lieu of the parts damaged during the accident, Motor Vehicle, the Company shall compensate the Injured
they have to bear the Depreciation Percentage set in Third Party within the scope of its limits hereunder for all
Schedule (1) of the final value of the purchase invoice. amounts which the Insured or the Motor Vehicle Driver is
case of taxi vehicles, public transport vehicles and rental committed to pay as compensation for:
vehicles, the Depreciation Percentage set in Schedule (2)
of the final value of the purchase invoice will be applied a) First: Death or any bodily injury caused to any person,
including the Motor Vehicle Passengers, except for the
15. Neither depreciation may be deducted nor used parts be Insured and the Driver of the Motor Vehicle that has
installed if the parts are within the list set out in Schedule caused the accident, and the passengers employed
(4) of this Policy. by the Insured if they are injured during and because
of work. A person is considered a passenger if they
16. The Injured Third Party may repair the damages that occur are inside, getting in or out of the Motor Vehicle. The
to the Motor Vehicle as a result of the accident, provided Maximum Liability of the Company for any claim or
that the estimated repair costs do not exceed the value total claims arising from one accident is the value
of repair agreed upon with the Company. The Company judicially awarded without any limit whatsoever.
may require, if it wishes so, a proof that the Motor Vehicle
repairs have been completed. Second: In case of death of a spouse, a parent or a
child, the maximum limit shall 200,000 AED ((Two
17. If the motor vehicle “chassis” whether can be replaced Hundred Thousand Arab Emirates Dirhams) per
or irreplaceable is damaged or the durable parts, such each deceased person. In case of disability, the
as pillars are damaged and need cutting, tightening or compensation shall be adjusted by the percentage
welding as a result of the accident, the Motor Vehicle of disability to the amount of AED 200,000 (Two
shall be considered a Total Loss and the Company shall Hundred Thousand Arab Emirates Dirhams), in
make compensation according to the market value of the addition to medical treatment expenses.
Motor Vehicle at the time of the accident.
Third: In all cases, and in the event of injury, the
18. If the Motor Vehicle is considered as total loss, and the Company shall pay all treatment expenses towards
Company compensates the Injured Third Party onthat the provider of any of the medical services, including
basis, the salvage will be deemed property of the all government and private hospitals, pharmacies,
Company. The Injured Third Party may not be charged and any treatments necessary for the case. And, in
any expenses related to the transfer of the Motor Vehicle case the treatment is not completed, the Insurance
title or issuance of a certificate of ownership of the Motor Company shall issue a letter of commitment directed
Vehicle, provided that the Motor Vehicle is free of any to entity that will provide the treatment.
obligations against third party such as trafficfines or
otherwise. b) Subject to paragraph (a) above, the liability
of the Insurance Company shall be the value
19. In case of any conflict between the Company and the judiciallyawarded of any amount whatsoever,
Injured Third Party concerning the value of damages, the including the Third Party’s judicial expenses and
amount of compensation or determination of the market charges, except for fines. The Company shall pay
value of the damaged Motor Vehicle, the Authority shall compensation to the Third Party once the judgment
appoint a licensed and registered Surveyor and Loss becomes enforceable.
Adjuster, specialized in this matter, to determine the
value of the damages or the amount of compensation at c) As to the damages to items and properties (except
the Company’s expense for the purpose of resolving the for those owned by the Insured) or the Motor Vehicle
dispute. Driver at the time of the accident or the properties
kept with them in trust or in their guardianship or
20. In case of an agreement to insure the Insured himself, possession, the insured amount of any claim or total
the Motor Vehicle Driver or any person excluded from claims arising from one accident is AED 2,000,000
the coverage under this Policy, the amount of the death (Two Million Arab Emirates Dirhams) regardless of
benefit will be determined not less than (AED 200,000) the number of the persons whose properties are
Two Hundred Thousand Arab Emirates Dirhams at a damaged, inclusive of necessary costs of movement
minimum. of the damaged Motor Vehicle to the agency shop
or other repair shops according to this Policy, as the
21. The Company may not refuse to compensate the Insured case may be.
as a result of late notification of the accident, if lateness
is attributed to an acceptable excuse. d) The Injured Third Party (the owner of a private motor
vehicle) is entitled to a loss of benefit (use) allowance
22. The provisions of this Policy cover the damages to a Third (Substitute Motor Vehicle) as follows:

MOTOR INSURANCE POLICY WORDING 18

 First: If the Injured Third Party chooses cash Chapter Three: Obligations of the Insured
compensation, no loss of benefit allowance shall be
paid. 1. In case of any accident that gives rise to a claim according
to the provisions of this Policy, the Insured or the
Second: If the damaged Motor Vehicle is to be repaired Motor vehicle driver shall notify the concerned official
at a repair shop, as the case may be, the period of loss authorities and the Insurer within a reasonable period
of benefit allowance shall be calculated in days from of time after occurrence of the accident and furnish all
the date of delivery of the damaged Motor Vehicle, documents and details pertaining to the accident, unless
the accident report and deed of title to the Company. the delay is attributed to an acceptable excuse. The
Insured shall furnish the Company as soon as possible
Third: The liability of the Company for loss of benefit a copy of every claim, notice or judicial document once
allowance shall be calculated per day per damaged they receive them.
Motor Vehicle according to the rental fare of a similar
Motor Vehicle rental of the same make, considering 2. The Insured or the Motor Vehicle Driver shall notify
the prevailing and common price in the vehicle rental the Company as soon as practically possible once they
market in that Emirate, not to exceed three hundred Become aware of any lawsuit, investigation or findings
dirhams per day. The Maximum period for loss of loss concerning the accident, unless the delay is attributed
of benefit allowance fifteen days. to an acceptable excuse. In case of theft or any other
criminal act which may give rise to a claim according
Fourth: If the Company chooses not to pay the amount to this Policy, the Insured shall promptly notify the
at prevailing price, the Company shall provide –to the concerned authorities and the Company as soon as
injured party residency location- a similar substitute practically possible and cooperate with the Company in
Motor Vehicle of the same made of the damaged that regard.
motor vehicle in very good working condition for
road traffic. 3. Neither the Insured nor any person acting on their behalf
may declare acceptance of liability, offer, promise or
Fifth: In case of the entitlement to the loss of benefit payment of any amount without the written consent of
allowance and the Injured Third Party has insurance the Company.
against loss and damage and Third Party Liability, he
shall be entitled, for the purpose of obtaining the loss Chapter Four: Exclusions
of benefit allowance (substitute motor vehicle) to
claim directly to his company, which has the right of This Insurance does not cover the Third Party Liability arising
recourse for same amount paid against the insurance or emerging from accidents that are caused by the Insured
company of the insured, who caused the accident and Motor Vehicle in the following cases:
has insurance against Third Party Liability.
1. The accidents that occur outside the borders of the State.
2. The Company may not apply any deductible from the
Injured Third Party compensation. 2. The accidents that have occurred, caused, resulted or are
related directly or indirectly to natural disasters such as
3. In case of the death of a person covered by the insurance floods, tornadoes, hurricanes, volcanoes , earthquakes or
provided for hereunder, the company shall pay the benefit quakes.
due as a result of the accident to their heirs according to
the terms and conditions hereof. 3. Invasion, foreign enemy hostilities or warlike operations,
whether war is declared or not, civil war, strike,
4. The Company shall abide by any settlement between the riot, civilcommotion, mutiny, rebellion, revolution,
Insured and the Injured Third Party if it is done with its insurrection, or ionizing radiation contamination by
written consent. radioactivity from any nuclear fuel, power, usurpation,
confiscation or nationalization, radioactive substances
5. The Insurance provided for under this Chapter shall be and radioisotopes,atomic or nuclear explosions, or any
extended, subject to the terms and conditions hereof, to element related directly or indirectly with the above
the liability of every licensed driver while they are driving mentioned causes.
the Insured Motor Vehicle.
4. The accidents that occur to the Insured, the Motor
6. The Company shall pay an amount of AED 6,770 (Six VehicleDriver or the persons employed by the Insured
Thousand Seven Hundred and Seventy Dirhams) if they areinjured during and because of work, unless
to the provider of ambulance services and medical they have obtained additional coverage under a rider or
transportation to hospitals. The amount is per each another policy.
injured person that suffers from a bodily injury or
death and is being given first aid and transported to Chapter Five: Recourses against the Insured
a hospital as a result of an accident caused by a Motor
Vehicle insured by the Company against Third Party The Company may have recourse to the Insured, the Motor
Liability. This obligation shall include all the deceased or Vehicle Driver or the person responsible for the Accident,as the
injured from those accidents, including those excluded case may be, within the limit of the amount of compensation
from the covered risks in paragraph (a) of clause (1). paid in the following cases:
The capacity and readiness of the ambulance and the
1. If it is proven that the insurance was concluded based
medical transportation to handle more than one injured
upon the Insured’s misrepresentation or nondisclosure of
person shall be taken into consideration in determining
material facts that affect the acceptance by the Company
the amount of the ambulance allowance and medical
to cover the risks or determination of the premium.
transportation.

MOTOR INSURANCE POLICY WORDING 19

2. If the Motor Vehicle is proven to have been used for the paid premium after deducting a portion in
purposes other than those set out in the Insurance proportion to the period during which the Policy
Application attached to this Policy or the maximum has remained in effect according to the Short Rate
number of passengers is exceeded or the Motor Vehicle Schedule No. (3) set out in this Policy, provided
was overloaded or its loading was not secured correctly thatthere are no paid claims or outstanding claims
or exceeds the limits of permissible width, length or where the Insured has caused the accident.
height, provided that this is proven to be the proximate
cause of the accident. 3. This policy shall be considered terminated in case
of a total loss to the Motor Vehicle, Provided that its
3. If it is proven that the Motor Vehicle was used in a speed registration is deleted with a report issued by the Road
race or test cases (in impermissible cases), provided that and Traffic Department confirming that it is unroadworthy,
this is proven to be the proximate cause of the accident. and the Company and the Insured shall remain bound by
its Provisions before termination.
4. If following payment of the compensation it is proven that
there is a violation of the laws, if the violationinvolves Chapter Seven: General Provisions
a willful felony or misdemeanor, as defined in the UAE’s
applicable penal code. 1. The Company shall include all details in Schedule (5) of
this Policy, and this Schedule shall be part of this Policy.
5. If it is proven that the Motor Vehicle was driven without
obtaining the driving license for the type of Motor Vehicle 2. Any lawsuits arising from this Policy may not be filed after
according to the Traffic Laws and Regulations and the the lapse of three years from the date of the accident or
provisions of this Policy, or that the license granted to the the Injured Party and related parties become aware of the
Insured or the Motor Vehicle Driver was suspended by a damage and the person liable for it.
court’s order or by the concerned authorities or by virtue
of traffic regulations, or that Motor Vehicle driving license 3. The quotes of the State shall be competent to determine
was expired at the time of the accident, unless the driver any dispute arising in connection with this Policy.
manages to renew it within thirty days from the date of
accident.
Schedule No. (1)
6. If it is proven that the Motor Vehicle Driver, or another
person allowed by them to drive the Motor Vehicle Depreciation Percentages for Parts of Private Motor Vehicles
caused the accident while being in an abnormal condition
due to being under the influence of narcotics or alcohol
that undermine the driver’s ability to control the Motor Year Percentage
Vehicle or medical drugs for which driving is medically
prohibited. In case of rental vehicles, recourse will be First -
made against the Motor Vehicle Driver (renter).

7. If it is proven that the accident occurred intentionally by Second 5%

the Insured or the Motor Vehicle Driver.
Third 10%
8. If the trailer, half-trailer or semi-trailer caused the accident
and the Insured has not agreed with the Company to
Fourth 15%
include it in the policy.

9. If the Motor Vehicle is used outside the road, as defined in Fifth 20%
this Policy, without any additional coverage.
Sixth and above 30%
10. If damages occur to the Injured Third Party as a result of
theft or robbery of the Insured Motor Vehicle, recourse
will be against the thief only.

Chapter Six: Policy Termination

1. Neither the Company nor the Insured may terminate

this Policy during its term as long as the Motor Vehicle
licenseis valid.

2. However, the Policy may be terminated before its

expiration on the grounds of:

a) Cancellation of the Motor Vehicle license;

b) Submission of a new Policy due to change of the

Motor Vehicle details; or

c) Transfer of the Motor Vehicle title by virtue of a

certificate issued by the concerned authority.

In this case, the Company must refund to the Insured

MOTOR INSURANCE POLICY WORDING 20

Schedule No. (2)
Insured’s Details
Depreciation Percentages for Parts of Taxi Vehicles, Public
Transport Vehicles and Rental Vehicles Insured’s Name :

Address:
Year Percentage

E-mail:
Last six months of the first year 10%

Postal Address:
Second 20%

Identification Number :
Third 25%

Phone:
Fourth 30%

Name and Signature of the Insured or their representative:

Fifth 35%

Sixth and above 40%

Company’s Details
Schedule No. (3)

Short Rate Schedule - Percentages of Recoverable Premium Company’s Name:

Address:
Recoverable
Policy Validity Period
Premium
E-mail:

A period not exceeding one month 80%

Postal Address:

A period exceeding one month to

and not 70%
exceeding
the end of four
the fourth
monthsmonth
Phone
A period exceeding four months and 50%
notthe
to exceeding
end of the
sixsixth
months
month Signature and stamp of the Company:

A period exceeding six months to 30%

A period exceeding six months and
the end of the eighth month

Schedule No. (4)

not
A period
exceeding
exceeding
ten months
eight months 30%
Nil
List of the parts damaged by a traffic accident which must be
replaced for new ones without deduction for any depreciation

The term of insurance begins at ……………… on …/…/……, Glass

and expires at ………… on .../.../…...
Brake master cylinders
Agreed upon premium: Issuance date: …/…/……
Brake wheel cylinders

Brake calipers

Brake cables (conduit type)

Brake hoses

Brake diaphragms

Steering boxes

Steering rakes

Steering ball joints and swivels

MOTOR INSURANCE POLICY WORDING Seat belts 21

Schedule No. (5)

Schedule of Details of the Insured Motor Vehicle in the Insurance Policy against Third Party Liability

Details of Motor Vehicle

Country of Make, Model

Plate Number
Manufacture & Color

Motor Vehicle Registration Purpose of

Classification Type use

Number of
Manufactuing Tonnage or
Passenger with
Year Weight
Driver

Engine Number: Chassis Number:

Liva Insurance Middle East B.S.C. (c) Company declares that the Motor Vehicle detailed above in this Schedule is insured with it
according to the provisions of this Policy.

Issued By: Issuance Date:

Motor Vehicle Insurance Application

Applicant’s Details

Name according to ID First Second Third Family Name

Date of Birth P.O. Box Postal code:

ID Number E-mail

Home Phone Office Phone Mobile

Address/ Emirate

Profession Employer

Driving License Number Expiration Date

(Trade Name if any) Commercial Register Number

Head Office

MOTOR INSURANCE POLICY WORDING 22

 Motor Vehicle Insurance Application

Insurance Service Details

Registration Mark Truck Small Truck Large Truck Other

Model / Use Rental Driving

Private Commercial Other
Education

Body Number Engine Number

Chassis Number Engine Capacity

(CC)

No. of Passengers Manufacturing

Year
Current Value,
Current Value without
including
Accessories
Accessories (to be
elaborated)

Insurance Period Insurance Type

Insured / Representative Signature

SECTION 3: ENHANCED MOTOR PROTECTION

Insuring You for Additional Incidents Personal Accident & Emergency

Your Vehicle Repairing Options Value - Add

I. Insuring You for Additional Incidents

Covers What We Cover What We Don’t Cover

Loss of personal items The cover under the Policy is extended 1. Loss or Damage to money,
to include loss or damage to personal jewellery, stamps, tickets,
property including child car seats documents, bonds,vouchers,
belonging to You that is carried in lottery tickets, scratch Cards, raffle
the Insured Vehicle, arising out of an tickets, reward miles/ programmes,
accident,fire, theft or attempt theft recharge cards or goods or samples
following a forcible and violent entry carried in connection with any
or exit and if evidenced in the police trade or business trade samples
report. or any property Insured under any
other Policy
This cover is subject to a maximum limit
as per the table of benefits, during any 2. Theft of any property carried in an
one Policy period. open or convertible vehicle unless
in a locked boot or locked glove
compartment

3. Loss and or damage to personal

property including laptops or other
mobile equipment’s or valuables, if
left unattended or out in the open

4. Wear, tear, loss of value and loss of

use

5. Standard equipment, vehicle

modification or In-Care Accessories
MOTOR INSURANCE POLICY WORDING 23
II. Your Vehicle Repairing Options

Covers What We Cover What We Don’t Cover

Emergency Repairs The coverage under the Policy is

extended to include emergency repairs
to the Insured Vehicle to secure or get

You back on the road safely, as per

Chapter 2, Point 4 of Section 1. This
cover is subject to a maximum amount
per claim as specified in the table of
benefit

In the event of a claim, please submit

the police report along with the repair
invoice and photograph(s) of the
damages to the Insured Vehicle.

Agency Repairs The coverage under this Policy, if Vehicles purchased from places other
specified in the policy, is extended than the manufacturer’s authorised
to repairs at the manufacturer’s dealers in the UAE.
authorised agency located within the
country of registration of the Insured Should this exclusion apply, We will
Vehicle, in the event of any accidental select one of Our Approved Garages to
loss or damage to Your vehicle occurring undertake the repairs.
within two years ( or as specified in
your policy), from the date of first
registration as new.

Covers What We Cover What We Don’t Cover

Liva Approved Garages (Non-Agency) The coverage under this Policy includes
repairs of the Insured Vehicle at one of
Our certified approved Garages, if the
Insured Vehicle is more than 2 years old
or not having the Agency Repairs cover.

Note:

In the event of a claim, You have an

option to repair Your vehicle even
during the first two years of your
vehicle registration as new at one of
certified approved Garages and if you
choose to do so You will be rewarded
with a waiver of Your standard Excess
provided the driver of the vehicle at the
time of accident is above the age of 25.

MOTOR INSURANCE POLICY WORDING 24

 Covers What We Cover What We Don’t Cover

New Replacement Vehicle The coverage under this Policy is

extended to include, as per the Table of
Benefits

1. A new replacement of the same

model of the Insured Vehicle
(subject to availability),

or

2. The value of the vehicle when it

was purchased (Vehicle Insured
Value in the Schedule)

whichever is lower, if the Insured Vehicle

is declared as a ‘total loss’ following an
accident or peril covered under this
Policy and occurring within the period
as specify in your policy schedule, of its
first registration; no depreciation will
be applied.

Covers What We Cover What We Don’t Cover

Taxi Fares The coverage under this Policy is

extended to include an amount per
accident, as specified in the table
Benefit, for the cost of hiring a taxi in
the UAE in order for you to complete
the journey to your destination or
return to your residence, in the event
of an accident causing loss or damage
and making the Insured Vehicle not
roadworthy.

In the event of a claim, You are required

to provide Us with the receipt or invoice
of the taxi with the date corresponding
to the incident date.

24 Hours Accident And Breakdown The coverage under the Policy is

Recovery extended to include the services
provided by an Liva service provider as
below:

1. Accident Towing Service: In case of

an accident the Insured Vehicle will
be towed to the agency workshop,
nearest garage or to any garage of
Your choice within the UAE, subject

MOTOR INSURANCE POLICY WORDING 25

 Covers What We Cover What We Don’t Cover

24 Hours Accident And to being presented with the police

Breakdown Recovery report. Coverage excludes sandy or
off-road area pull-outs, desert pull-
outs, basement or mall parking
pull-outs unless specified on policy
schedule as per service providers
terms and conditions.

2. Breakdown Towing Service* : In

case of a breakdown the Insured
Vehicle will be towed to the agency
workshop, nearest garage or to any
garage of Your choice within the
city limits in which the incident
has taken place. Coverage excludes
sandy or off-road area pull-outs,
desert pull-outs, basement or mall
parking pull-outs unless specified
on policy schedule as per service
providers terms and conditions.

Note: AbuDhabi is classified as

three different cities.

1. AbuDhabi town and pertaining

area. 2. Al Ain 3. Western Region

3. Battery Boost Service* : If the

Insured Vehicles battery fails,
We will jump start the Insured
Vehicle which will enable You to
carry on with Your journey. We will
not be providing a new battery or
replacement of battery.

4. Emergency Fuel Service* : We will

deliver emergency fuel directly to
You. The fuel delivery service will
be provided complimentary, but
the fuel cost will be borne by You.

5. Lock out Service *: If the Insured

Vehicle key is locked inside Your
car, We will make an attempt to
gain access to the key which will
enable You to carry on with Your
journey.

6. Flat Tyre Service*: We will change

the flat tyre with Your spare tyre.
If no spare tyre is available, We
will tow the Insured Vehicle to the
nearest garage within the city limits
in which the incident has taken
place. No new tyre or replacement
will be provided by Us.

7. Car Registration Service * : One

complimentary car registration
service will be provided to You.
The reservation must be done 48
hours prior to registration. You
must provide the documents and
information as required by the
traffic authorities to avail this
service. You are also responsible
for the settlement of any traffic
fines and other traffic department
MOTOR INSURANCE POLICY WORDING 26
 charges. We will collect the Insured
24 Hours Accident And Breakdown Vehicle key and documents from
Recovery You within the same city in which
the Insured Vehicle is registered.
The free vehicle registration
renewal service does not apply to
commercial vehicles and is valid
only for a single attempt. This
service does not apply if you are
exporting, selling or transferring
your vehicle.

The maximum number of services that can be availed in a year is limited to 2 only, whether against a single benefit or
a combination of them.

Covers What We Cover What We Don’t Cover

The coverage under the Policy is We will not pay the cost of replacing
Replacement Of Locks extended to include the cost of any alarms or other security devices
replacing the: used in connection with Your Vehicle.
a) Door locks and boot lock

b) Ignition and steering lock

c) Car lock transmitter or car key

and central locking system

of the Insured Vehicle that are lost or

Stolen within the Territorial Limit as
Specified in Your Policy up to an amount
as per the table of Benefit during any
one Period of Insurance.

If the claim relates to this cover only, it

will not have an effect on Your no claims
discount. In the event of a claim, You are
required to submit the police report.

III. PERSONAL ACCIDENT & EMERGENCY

Covers What We Cover What We Don’t Cover

The coverage under this Policy is 1. Any costs related to fuel, salik,
Temporary Rent-A-Car extended to include, if s􀁏ecified in the Parking Charges or any other fines
􀀲chedule, a hire car for a:
2. Any further hire car charges after
a) Maximum period of ten days the 10 days period of free hire
or
3. Any deductibles applied under
b) Until Your Vehicle is fully the hire car terms and conditions,
repaired (whichever is earlier) should there be an accident while
driving a hire car
following an accident to the Insured
Vehicle, subject to appropriate 4. Loss or damage to the hire car and/
alternate vehicles being available with or liability which results from using
Our service provider at that point in the hire car
time.

Alternately, We may exercise the

discretion to offer a cash allowance
subject to a maximum amount of
AED 600 in situations where either
the alternate vehicle (hire car) is not
available with Our service provider or
for any other compelling reasons We
may decide to do so

MOTOR INSURANCE POLICY WORDING 27

YOUR VEHICLE REPAIRING OPTIONS 4. You may avail the benefit of the hire anytime within the
first 48 hours after repair of the vehicle has been approved.
1. If the Insured Vehicle is stolen, or if the damage is Driving of the hired vehicle should be restricted to You or
extensive and We decide not to repair it and consider the Your Spouse. The service provider will deliver and collect
Insured Vehicle the hire car to and from a pre agreed location. You need
to provide at least a 24 hour request notice to the service
as a total loss, this cover will cease after We have made provider to avail this benefit
You an offer for the settlement of the claim.
5. Our service will require the following documentation
2. In case Your vehicle is still undergoing repairs and You from Your end:
would like to avail of an extension in the
a) Valid Driving Licence
service then You should inform the hire car company
accordingly, at least, 24 hours before the expiry of the b) Credit Card authorisation as a
service.
security deposit against costs related to fuel, salik,
3. The hire car provided is a standard saloon vehicle up to parking charges or any other fines. In case You do not
four years old with an engine have a credit card, You may pay a cash deposit directly
to the provider. The terms and conditions of the hire car
size between 1.3 to 1.8 Litres or 2 to 2.4 Litres, depending service provider will have to be complied with.
upon your Policy type and may be driven in the UAE only.

III. PERSONAL ACCIDENT & EMERGENCY

Covers What We Cover What We Don’t Cover

The coverage under this Policy is extended to include,

Personal Accident Benefit - Driver compensation as per the scale provided below for death
or bodily injury sustained by You whilst getting in or
getting out from or travelling in the Insured Vehicle and
caused by violent, accidental, external and visible means
which independently of any other cause shall within
three calendar months of the occurrence of such injury
result in: Refer to Personal Accident Table of Benefits.

The coverage under this Policy is extended to include,

compensation as per the scale provided above for death
or bodily injury sustained by the passengers, whilst
getting in or getting out from or travelling in the Insured
Personal Accident Benefit - Vehicle and caused by violent, accidental, external and
Passengers visible means which independently of any other cause
shall within three calendar months of the occurrence of
such injury result in: Refer to Personal Accident Table of
Benefits.

MOTOR INSURANCE POLICY WORDING 28

 PERSONAL ACCIDENT TABLE OF BENEFITS (Value in AED)

1. Death AED 200,000

2. Total irrecoverable loss of sight in both eyes AED 200,000

3. Total loss by physical severance at or above the wrist or ankle, of both hands or both
AED 200,000
feet or of one hand together with one foot

4. Total loss by physical severance at or above the wrist or ankle of one hand or one foot
AED 200,000
together with the total and irrecoverable loss of sight in one eye

5. Total and irrecoverable loss of sight in one eye AED 100,000

6. Total loss by physical severance at or above the wrist or ankle of one hand or
one foot of one hand or one foot AED 100,000

The value of compensation will be

specified for the person as a percentage
7. Permanent disability not mentioned in the here-in-above of the insurance amount AED 200,000
based on the permanent partial disability
approved by the medical board

PERSONAL ACCIDENT BENEFIT CONDITIONS

1. Compensation shall be payable a) To harm oneself intentionally representative whose receipt shall
under only one of items 1 to 7 or by committing suicide or by be a full discharge in respect of the
above in respect of each person attempting suicide or physical injury to such person.
arising out of any one occurrence defect or mental weakness
and Our total liability shall not in 4. Number of vehicle passengers
the aggregate exceed the sum of b) As a consequence of person should not exceed (as per seating
AED 200,000 during any one Period demanding compensation capacity) persons including the
of Insurance per person. himself from addiction to driver at the time of accident.
drugs or liquor
2. We are not liable to pay any These conditions are subject to the
compensation for death or physical 3. Such compensation shall be terms, exceptions and conditions of the
injury which occurs either directly payable only with the approval Policy.
or indirectly, totally or partially as a of the Insured and directly to the
result of the following reasons: injured person or his/her legal

MOTOR INSURANCE POLICY WORDING 29

 Covers What We Cover What We Don’t Cover

Personal Injury Cover The coverage under the Policy is This Cover:
extended to include an amount as per
the 􀀳table of benefit to you or Your a) ) Does not apply when Personal
Spouse (or in the event of death, to Accident Benefit Section is
their legal personal representatives) if Covered
You or Your Spouse suffers accidental
bodily injury in direct connection with b) Applies only in respect of
the use of the Insured Vehicle and private motor vehicles
resulted in the following within three
c) Does not cover death or
calendar months:
injury arising from suicide or
a) Death attempted suicide

b) Permanent loss of sight in one d) Does not apply if anyone

or both eyes claiming is convicted in
connection with the accident
c) Loss of one or more limbs at of a drink-driving offence or of
or/ above the wrist or ankle Driving under the influence of
drugs
d) Permanent loss of use of one
or more limbs

We will only pay one benefit for death

or injury to any of the above persons for
any one incident

Covers What We Cover What We Don’t Cover

Emergency Medical Expenses The coverage under the Policy is

extended to include reasonable
medical expenses incurred by any
occupant of the Insured Vehicle, if
injured as a direct result of the Insured
Vehicle being involved in an accident
and treatment commencing within
24 hours of the accident. This cover is
subject to a maximum limit as per the
Table of Benefits, Per Person per claim
during any one Period of Insurance and
is payable if the number of passengers
is as per the authorized seating capacity
in the vehicle. In the event of a claim,
You are required to submit proof of
injury related to the accident and the
associated medical expense receipts.

Ambulance Cost The coverage under the Policy is

extended to include liability payable
as per the Table of Benefits, per injured
person against cost of ambulance
service incurred, following a road
traffic accident to the Insured Vehicle.
All payments under this cover will be
made directly to the provider of the
ambulance and medical evacuation
services to hospitals.

MOTOR INSURANCE POLICY WORDING 30

IV. Value - Add

Covers What We Cover What We Don’t Cover

The Territorial Limits under your policy

Territory Extended to Oman are extended to include the Sultanate
of Oman.

The coverage under the Policy is

extended to include, If Specified in the
Schedule, Oman, Bahrain, Saudi Arabia,
Kuwait and Qatar in the territorial
limit for Section 1 (Own Damage) for
private vehicles only. You will not be
covered under section this cover must
be purchased separately at the border
of each country (except in the case of
Territory Extended To Other GCC Oman).
Countries
Provided that:

a) The maximum duration of any

single trip shall not exceed 60
days

b) The maximum total number of

days shall not exceed 90 days
in any 12-month period

In the Event of claim, traffic police

report should be obtained from the
respective country authorities.

Covers What We Cover What We Don’t Cover

Third Party Liability Limit for Property The Cover Under Section 2 ( Third
Damage party Liability ) damage to Third party
Property is enhanced as per the table of
benefit.
Third Party Liability to Family
Members and passengers The Cover under Section 2 ( Third party
Liability ) is extended to include legal
liability, caused by or arising from
death or bodily injury or property
damage towards any passengers, as
per the authorised seating capacity, in
the Insured Vehicle including Family
Members and Domestic Workers except
the driver, whilst in the Insured Vehicle
or getting in or getting out of the
Insured Vehicle.
Off Road Cover
The coverage under the Policy is If You are participating in any kind of
extended to include loss or damage to dune-bashing, competitive event or
Your Insured Vehicle and/or Third Party race. If You are carrying passengers in
Liability, Whilst being driven off road. the Insured Vehicle, for hire or reward.
Provided that:

a) Your Vehicle has four wheel

drive capability

b) It is a private vehicle only

In the event of a claim the Police Report

should be provided.

MOTOR INSURANCE POLICY WORDING 31

 Covers What We Cover What We Don’t Cover

Driving Another Car The cover under Section 2 (Third Party 1. Your legal liability when the
Liability )is Extended to any other substitute vehicle is unregistered
private motor vehicle driven by You or
Your Spouse, with the owner’s express 2. Accidental loss or damage to the
consent, within the territorial limits substitute vehicle
You are covered while driving any other 3. You are a corporate organization
vehicle only if all the following apply:
This cover is not applicable to
a) You are 25 years of age or motorcycles.
older

b) The claim for the damage is

not payable under any other
Policy of Insurance

c) The vehicle is not hired under a

hire purchase agreement by or
leased to You or Your Spouse

d) Only one substitute vehicle is

being used at a time by You or
Your Spouse

Covers What We Cover What We Don’t Cover

Motor Garage And/Or Valet Parking The coverage under the Policy is
extended to include loss of or damage
to the Insured Vehicle whilst in the
custody or control of:

a) A motor garage or other

similar business, which You do
not own, which has the Insured
Vehicle for the purpose of
maintenance, repair, testing or
servicing

b) A hotel, restaurant or similar

business, which You do not
own, where, the Insured
Vehicle has been parked
bytheir authorized driver

provided that the loss is not covered

under any other Policy. In the event
of a claim, You are required to submit
thepolice report. The Benefit Payable
under this cover will be subject to
the standard Excess and it will have
an effect on Your no claims discount.
Please ensure that the Insured Vehicle
is handed over only to theauthorized
person after due verification and the
person driving the Insured Vehicle is a
Licensed Driver.

MOTOR INSURANCE POLICY WORDING 32

 Covers What We Cover What We Don’t Cover

No Claims Discount Protection The coverage under the Policy is

extended to include a discount off Your
next motor vehicle insurance premium,
for each claim free Period of Insurance
You will accumulate. The discount
amount will be in accordance with
theno claims discount scale applicable
at the time of renewal.

If a claim is made or becomes apparent,

Your no claims discount may be reduced
at the next renewal in accordance with
the no claims discount scale applicable
at the time of renewal.

Your no claims discount is not

transferable to any other person

Trust, makes life beautiful Offering comprehensive insurance solutions across home,
motor, travel, property, marine and other portfolio of products
Liva Insurance has been trusted by businesses and individuals in the UAE, Liva believes in helping customers grow and
in the UAE for its unique solutions combining global insurance cherish life’s most beautiful moments.
excellence and local market expertise.

Covers What We Cover What We Don’t Cover

No Claims Discount Protection The Coverage under the policy if

specified in the Schedule, is extended
to include no claim discount earned
by You over the years which will be
protected under this cover up until the
renewal of this Policy with Us provided
that:

a) You have not made more than

2 claims under this Policy
over a period of 3 consecutive
years, and/ or

b) The total value of all claim

payments made by Us under
this Policy over the 3 years
period does not exceed AED
50,000 and/or

c) No claim has been made under

the Policy where a driver
under the age of 25 years, or
with a driving license that has
been in force for less than 1
year is at fault at the time of an
accident.

Should You fail to comply with provisos

1, 2 and/or 3 above, Your no claim
discount will be reduced in accordance
with Our standard no claims discount
scale.

MOTOR INSURANCE POLICY WORDING 33

Life’s good when you’re covered
MOTOR INSURANCE POLICY WORDING 34