FAQ’s SALAMA Car Insurance
What is the difference between comprehensive cover insurance and third party liability cover?
A comprehensive insurance policy will cover you against your own loss or damage as well as third party
property damage. Loss or damage could result from an accidental collision, fire, burglary, external
explosion, self-ignition, lightning, theft and any malicious act by a third party.
Third party liability policy is the basic coverage that is mandatory as per the UAE law and it covers death
or bodily injury to any third party/person as well as property damage caused by the insured’s vehicle.
The policy does not cover damage/loss to the insured vehicle.
How do you calculate my insurance premium?
Generally, a number of factors such as the age of the driver, length of driving experience, claims history,
location, vehicle value and type are used to derive insurance premium.
What is ‘No Claims Discount’ or ‘No Claims Bonus’?
No Claims Discount or No Claims Bonus is a special discount on the insurance premium given to
individuals holding accident-free record for a minimum of 1 year.
Below is the ‘No Claim Discount’ sheet -
Accident Free Years Discount
1 Year 10%
2 Years 15%
3 Years 20%
Does the comprehensive policy cover Oman?
Yes, we cover Oman Own Damage and third party with no additional cost.
For how long can I avail agency repair?
Agency repair is available with in the period of 2 years from the year of manufacture of the vehicle.
A comprehensive insurance policy will cover you against your own loss or damage as well as third party
property damage. Loss or damage could result from an accidental collision, fire, burglary, external
explosion, self-ignition, lightning, theft and any malicious act by a third party.
Third party liability policy is the basic coverage that is mandatory as per the UAE law and it covers death
or bodily injury to any third party/person as well as property damage caused by the insured’s vehicle.
The policy does not cover damage/loss to the insured vehicle.
How do you calculate my insurance premium?
Generally, a number of factors such as the age of the driver, length of driving experience, claims history,
location, vehicle value and type are used to derive insurance premium.
What is ‘No Claims Discount’ or ‘No Claims Bonus’?
No Claims Discount or No Claims Bonus is a special discount on the insurance premium given to
individuals holding accident-free record for a minimum of 1 year.
Below is the ‘No Claim Discount’ sheet -
Accident Free Years Discount
1 Year 10%
2 Years 15%
3 Years 20%
Does the comprehensive policy cover Oman?
Yes, we cover Oman Own Damage and third party with no additional cost.
For how long can I avail agency repair?
Agency repair is available with in the period of 2 years from the year of manufacture of the vehicle.
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