VAT (Value Added Tax) is an indirect tax which will be introduced across UAE with effect from 1st January 2018 at a standard rate of 5% on all ‘Taxable Supplies’

Yes, VAT is applicable to insurance. All insurance products will be subject to VAT at the standard rate of 5% or zero- rated, except Life Insurance which is exempt. Motor, Property, Liability, Engineering, Personal Accident types of insurance will attract VAT at standard rate of 5%

VAT will be charged on your final insurance premium and the total amount (inclusive of VAT) needs to be paid by a policy holder to RSA

RSA will collect the VAT from all policy holders for the insurance services provided and will remit this amount to the UAE’s Federal Tax Authority (FTA)

For companies, the mandatory VAT registration threshold on annual turnover of taxable supplies will be AED 375,000 and the voluntary threshold will be AED 187,500. Once you have obtained the VAT registration certificate please email it to RSA.VAT@ae.rsagroup.com stating your policy number

And if you are an individual and not carrying on an Enterprise, you are not required to register for VAT with FTA.

Yes, RSA is VAT registered and our registration no is 100000847200003. Our certificate of registration can be viewed below

VAT will apply on both new and renewal policies

Your comprehensive car insurance policy covers you against loss, damage and third-party liability. You are also protected against:

• Damage to your motor vehicle due to accidental collision, overturning, fire, external explosion, self-ignition, theft, or a malicious act unless specifically excluded.
• Accrued legal liability and agreed costs and expenses against third party bodily injury/ property damage arising out of use of motor vehicles unless specifically excluded.

Due to the large number of accidents on the roads, we always advise our customers to opt for the comprehensive car insurance policy. Request a quote for your car today.

This is the most basic cover and is compulsory as per the UAE law. Third-party liability covers you against:

• Death or bodily injury to any third party/person.
• Damages to third party property arising out of the use of your motor vehicle. More importantly, this policy does not cover any damage or loss to your own vehicle.

Comprehensive cover is available for vehicles up to the age of 7 years. 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.

A “No Claims Discount” (NCD) is the discount given on your premium based on the experience (i.e. number of years without claims) of the driver.

RSA offers a range of discounts and free insurance covers including: 

• Oman cover
• Natural perils, riot, strike and civil commotion cover
• Loss of personal effects up to a limit of AED 4,000
• Agency repair for new cars up to first two years
• Emergency medical expenses up to AED 3,500
• Extended legal liability to family members
• Extended third party property damage up to AED 3,500,000

Contact us for further information.

The excess or deductible is the customer contribution made at the time of non-recoverable claim(s) due to an accident. Non-recoverable motor claims usually occur when an accident is caused by the insurance policy holder. Our standard excess is as per UAE law.

In the unfortunate event of a claim you will need to submit the following documents along with your claim form: 

• Copy of driving license
• Copy of registration card (or Mulkia)
• Original police report   

Claim requests can now be made online in just a few quick and simple steps. Alternatively, you can call our Claims team on 800 774 and speak to one of our dedicated claims advisors.

Agency repair cover is available only for vehicles for up to 2 years from the date of your first registration. Cover can be extended for up to 5 years subject to an additional premium and a no own-fault claim.

This facility can be accommodated only if the "rental of alternative vehicle" clause is included in your policy. You can include this clause by paying an additional premium of AED 200.

Insurance for high-value cars or sports cars can be arranged on a referral basis only. Call 800 RSA (772) for more information today.

Policy cancellations can be made subject to the following: 

• Deregistration of the vehicle
• Transfer of ownership of the vehicle
• No plate certificate

Yes, as long as no claims were made during the Period of Insurance, a refund will be given to You, subject to the Short Rate Schedule.

Transfer of insurance from one driver to another is not permitted as the insurance premium and terms are affected by the experience of the driver.

As per laws set by the Traffic Department, a 13 month insurance period is required to cover the one-month registration grace period.

Buildings insurance is only needed if you are legally liable for the building, i.e., if you own the building as a landlord. As the vast majority of people in the UAE are only tenants paying rent, this insurance is not applicable to them.

This cover is for objects that are literally "taken outside of the home". These items could include cameras, watches, sunglasses, jewellery and so forth.

Cover for such items can be arranged on both a specified and an unspecified basis. Items over AED 10,000 need to be specified, while items below this amount can be insured by a general sum.

Request for an online quote or call us directly on 800 RSA (772) for further assistance.

Home insurance and cover while you are away on holiday is provided with the condition that you do not leave your home empty for more than 60 days.

In case you plan to be away for more than 60 days, contact us on 800 RSA (772) and speak to one of our dedicated insurance advisors to arrange for your cover to be extended.

Lost or damaged items will either be repaired or replaced on a new for old basis if repairing the item is not possible.

In most cases, it shouldn't make a big difference to your policy. However, for the small number of cases where the number of claims is well above the average, we may alter the terms of cover and/or increase the premium when it's time to renew the policy.

The excess or deductible is dependent on the section you are claiming under. The standard excess for buildings is AED 1,000, for contents its AED 250, and cover outside the home is AED 250. For excess on packaged schemes, please refer to your policy schedule.

Building should be insured for the amount of their rebuilding cost (not current market value), which can usually be found on the buyers' report or survey, obtained upon purchase of the property. However, please note that this figure will need to be revised in keeping with market inflation.

On the other hand, contents must be insured for the total current replacement cost of all items you would take with you if you were moving out. These items could include, but not limited to, carpets, curtains, furniture, electrical appliances, valuables, clothing and personal effects.

Items that are to be insured outside of the home do not need to be included in the contents sum insured figure.

Request for an online quote or call us on 800 RSA (772) to speak to one of our insurance advisors.

Only items in the home that are worth more than AED 40,000 need to be specified. Please note that there is no increased charge for these - the figures are mainly for our reference. 

As a rule, no. However, we may ask at the time of claim for any proof of purchase like receipts or any operating manuals. For items that are specified in the policy under cover outside of the home, these need to be supported by proof of purchase or a recent valuation certificate.

Yes, all domestic garages, outbuildings, sheds, extensions and conservatories fall under the definition of buildings and are covered under that section. You should make sure that the sum insured for your buildings cover includes the rebuilding cost of these structures.

Yes, you can add the name and address of your mortgage lender on the summary of details page which appears after you have entered your payment details.

A single-trip policy covers you only for a specified holiday/ trip, whereas an annual policy will cover you for multiple trips made during the year without having to notify us. The cover and the limits offered for our annual and single trip policies are identical. 

Receive your travel insurance quote and purchase it online today. Alternatively, call 800 RSA (772) and speak to one of our dedicated insurance advisors.

An annual cover policy is more suited for someone who is likely to travel more frequently as it is more cost efficient.

Travel insurance for individuals with pre-existing conditions are provided with insurance cover minus the existing conditions.

A pre-existing condition is defined as any medical condition which existed prior to a journey affecting you and/or any close relative and/or travelling companion, including but not limited to:

• A condition for which the person is on a waiting list for hospital in-patient treatment
• A condition referred to a medical specialist
• A condition or the cause of in-patient treatment within 12 months prior to the journey
• A condition for which a terminal prognosis has been provided by a medical practitioner
• Contact us today and speak to one of our dedicated insurance advisors for more information.

Individuals are protected against accidents and mishaps provided you are with an instructor and you are diving no deeper than 30m.

Individuals less than 18 years of age are classified as children while anyone over this age is classified as an adult. The maximum age of individuals that RSA issues travel policies to is 75.

Children are not covered free of charge however, infants below 3 are covered free of charge and children can be added into the travel policy with a reduced rate of 50%.

Under the terms of our policy, we can offer travel insurance for any travel up until 10 weeks prior to the estimated due date of delivery. After this, there is exclusion for claims arising from the pregnancy concerning the medical, cancellation, or curtailment sections of the policy, except those due to accidental injury whilst pregnant.

Contact us today and speak to one of our dedicated insurance advisors for more information.

A single trip policy provides cover for the duration of a round-trip for up to a maximum of 180 days, depending on the period chosen.
An annual policy provides cover for multi-trips for up to a maximum of 62 days during each travel period.

Skiing cover is provided on a range of skiing benefits for customers who want to take part in normal winter sports activities. Please tick this box when requesting a quotation online. A premium charge will be made for this extension.

We do offer a cover for terrorism, please note that this extension is an optional extra within our Holiday and Executive plans which will cover you up to US$100,000 for accidents and injury. 

Unfortunately, cancellation on the grounds of war or terrorism isn't covered by your policy or within the terrorism extension. 

RSA provides you with a dedicated 24X7 Assistance Centre that you can contact from anywhere in the world. Simply call +971 4 601 8777 and they can provide you with the help that you need including repatriation back to the UAE, if deemed medically necessary.

Your golf policy covers you worldwide but the third-party liability excludes any claims made against you in the USA and Canada.

The standard limit may be increased subject to the limit that is being requested. Call us directly on 800 RSA (772) and speak to one of our insurance advisors and they will be happy to take you through your requirements.

RSA offers all golfers the option to choose a “new for old cover”, which ensures that any golf equipment (excluding clothing) less than three years old will not be subject to a deduction for wear and tear. 

This option can be selected at the time of purchase, subject to a 10% increase in the premium. Buy your Golf insurance online today.

In the happy event that you get a hole-in-one, RSA will pick up your bar tab for up to AED 2,500. Get you golf insurance policy online today and get on the greens for the elusive hole-in-one shot.

At RSA, we provide cover for boats with a maximum speed of 50 knots, made of GRP, aluminum and steel.

For boats older than 10 years, we require an on-water survey. For yachts/boats(s) that have a maximum designed speed above 50 knots, please email our marine underwriting team directly. They will be as supportive as possible in helping you with your requirements.

This policy indemnifies/pays for the loss of life or personal injury (to a third party) or loss of or damage to third party property caused by the use of your pleasure craft. 

This policy covers liability for death or bodily injuries sustained by persons or damage to their property whilst traveling on your pleasure craft. 

In this case, the policy will be cancelled and a pro rata daily return of premium will be refunded back to you.

Our yacht policy covers loss or damage to your pleasure craft when used strictly for your private pleasure only, and not when it is let out on hire.

The age-limit to be eligible for personal accident cover is 18 – 65 years.

Certain hazardous activities are excluded under our personal accident policy. These are: 

• Aqua-lung diving 
• Flying or other aerial activity, as pilot or crew 
• Football, excluding association football (soccer) as an "amateur" 
• Hunting, racing, and any competition on horseback 
• Ice Hockey 
• Motor competitions including motorcycling 
• Mountaineering, pot-holing, power-boating 
• Racing in dinghies or while swimming 
• Water ski-jumping and tricks 
• Winter sports, excluding curling or skating 
• Wrestling, boxing, judo, karate, or any form of unarmed combat, and 
• Yachting, using woodworking machinery 

Pre-existing medical conditions should be declared before applying for the policy and are subject to approval.

Our personal accident cover excludes any claims arising from pregnancy including childbirth, miscarriage or abortion.  

• An extended scale of benefits can be found here

War and terrorism are standard exclusions under the terms and conditions of our Personal Accident policies.