If you’re stuck in the middle of nowhere and that’s within the limits of the UAE, we have you covered. Our 24-Hour Accident and Breakdown Roadside Assistance services can be purchased as an optional extra with the Comprehensive cover, while it is included as standard with our Executive cover. This includes services such as Towing, Battery Boosting, Off Road Assistance and Car Registration. Please refer to the Policy Wording for the full list of services. For any immediate Roadside Assistance, please call 800 462 372.

No Claims Discount (NCD) documents are necessary because it helps us consider further discounts on the quotation and provide you the best price possible.

Yes, the territorial limits of the Sultanate of Oman are included in your policy and covers Own Damage as well as Third Party Liability. Go ahead and start making plans to drive to Oman!

If you need help and have Roadside Assitance Service, you can call International Motoring Company (IMC) on 800 462 372 for Roadside Recovery Service for Dubai. If you are calling from Oman, you can call on +9714 387 6608 for Roadside Assistance.

Unfortunately we are unable to provide cover in a different name to the registration due to this being a UAE Traffic law requirement.

Whilst RSA's Roadside Assistance service is available in Oman, it is unavailable in other GCC countries.

The Rent-A- Car provided is a standard saloon vehicle up to four years old with an engine size between 1.3 to 1.8 Litres or 2 to 2.4 Litres, depending upon your Policy type. Regretfully, it may not be a like-for-like vehicle.

Sorry, Trailer Insurance is not offered as a standard within RSA's Motor Insurance policy. However, you can contact us on 800 772 (RSA), so we can review and advise if an extension is possible, subject to RSA's terms and conditions.

No, cash reimbursement facility will only be allowed in situations where either the hire car is not available with our service provider or for any other compelling reasons due to which we are unable to provide an alternate vehicle to you.

Yes! That’s if they’ve had a license for more than one year and are above the age of 25 years, they can drive the vehicle with your consent so you can take a break!

Yes of course, if you have the 'Temporary Rent-A-Car' option included in your policy, we will provide you with an alternative car for up to 10 days per claim.

If you’re below the age of 25, you’re considered as a Young Driver.

In the event of an accident that makes your vehicle not roadworthy, our taxi fare covers 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.

The minimum length of insurance you can purchase is for 12 months. However, as per laws set by the Traffic Department, a 13-month insurance period is provided to cover the one-month registration grace period.

You can renew your policy by clicking 'Renew Policy' and entering your Policy number on our website. Alternatively, you may speak with our Insurance Advisors on 800 RSA (772) and renew your policy over the phone.

Yes, it is possible to cancel your insurance, provided a valid reason as well as all the required documents are presented. The policy will be reviewed and referred if necessary prior to cancellation. The refund amount would be calculated based on the table set by the Insurance Authority.

Check your Car Registration card, as well as your Policy Schedule to know the renewal date of your Car Insurance. Also, nearer the time we will also send you a reminder via email & SMS.

Yes, as long as no claims are made during the Period of Insurance, you will get your refund, which is subject to an admin fee.

We allow you up to 7 days to renew your existing car insurance policy. After 7 days, renewal will be unavailable and you'll have to purchase a new policy if you wish to continue being insured with RSA. Please note: we will not cover any claims during the period you did not hold the Car Insurance.

We will give you a refund, as per the short rate schedule.

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)
• Police report

Claim requests can also be made online, with just a few clicks, on our website. You can also process it by emailing to claims@ae.rsagroup.com; alternatively , you can call our Claims team on 800 774 and speak to one of our dedicated claims advisors.

No two drivers are the same, and as the insurance premium and terms are affected by the profile and driving experience of the driver, it is not possible to transfer the policy from one driver to another.

Depending on your vehicle type, specification and the terms & conditions, you can be charged multiple excesses based on the nature of the incident.

We offer 3 levels of insurance for your vehicle:

• Motor Value – Covers Third Party Liability
• Motor Smart – Comprehensive Cover for Loss or Damage to the Insured Vehicle including enhanced protection and Third Party Liability
• Motor Executive – Our highest level of coverage with higher limits and all optional covers are bundled within

You will need the following documents to apply for a car insurance under a company name:

• Trade License Copy
• Main Driver’s License
• Vehicle Registration Copy
• Tax Registration Number

The excess (deductible) is your contribution made at the time of non-recoverable claim(s) due to an accident.

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.

The sum insured is the maximum amount, excluding any excess amount, which the Insurance Company will pay in the event that your vehicle is a total loss.

Once your claim has been settled, a member of our team will call you to either collect your cheque or arrange a bank transfer. Please note the transfer will only be made to the vehicle’s registered owner.

If you are wishing to upgrade your car insurance from Third Party, this can be done as long as the vehicle is GCC standard & supported with a Comprehensive Test Certificate, which will then require approval.

If your car is new and out of the showroom, the purchase price of the vehicle will be considered as the Sum Insured. However, it is important to note, the value of the vehicle depreciates over time. So always calculate the Sum Insured based on the current market value of the vehicle.

The process time will vary and there is not set time however, once you make a claim, we always endeavor to turnaround your submission within one working day, provided that all the mandatory documents have been submitted.

We can provide you with valuable additional covers like Temporary Rent-A-Car Facility, Personal Accident Benefit and Territory extension to GCC countries.

If you have selected Agency Repairs coverage then your vehicle will be repaired at the vehicle’s authorised dealership. If you selected Non-Agency, we will select one of Our Approved Garages, all of which adhere to our strict quality controls. This also allows us to offer a 6-month guarantee on mechanical work and 12-month guarantee on body repairs and paint jobs.

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.

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.

You can get agency repairs for up to two years from its first registration as new, and if you choose to extend it, you can do so for up to five more years, subject to an additional premium.

When you are switching to RSA, you will have to produce a No Claims Discount Certificate to us which may reduce your premium.

You can renew your policy by clicking 'Renew Policy' and entering your Policy number on our website.

Alternatively, you may speak with our insurance advisors on 800 772 (RSA) and renew your policy over the phone.

We offer 3 policy options that cover your home and peace of mind:

• Building: Covers the structure of your home, fixtures and fittings of your home against loss or damages caused due to specified perils.
• Contents: Covers loss or damage caused to your household goods and other articles at home.
• Personal Possessions: Covers loss or damage caused to articles (including Portable Electronic device) normally worn, used or carried about by you in everyday life.

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.

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.

Reporting or registering a claim is easy. Just call 800 772 (RSA) or visit our website at rsadirect.ae. Alternatively, you can also visit an RSA branch near you.

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.

The process time will vary and there is not set time however, once you make a claim, we always endeavor to turnaround your submission within one working day, provided that all the mandatory documents have been submitted.

We can provide you with additional covers like loss of documents, domestic staff cover and additional tenants liability cover.

Your policy excess, as per your agreed Terms & Conditions, will be applicable for all non-recoverable claims.

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.

The excess or deductible is your contribution made at the time of a claim.

If you wish to insure any valuable items within your home under the Contents section then items valued over AED 40,000 have to be specified under the Personal Possessions section. For items that require cover outside of your your home and are valued over AED 10,000 have to be specified in your policy also.

Once your claim has been settled, a member of our team will call you to either collect your cheque or arrange a bank transfer.

Yes, your home insurance does cover you for portable items within our home if you have taken the Contents cover and outside the home if you take Personal Possessions Cover.

Yes. If you’ve lost something or it has been stolen, you will need to inform the police and file a report when submitting a claim for any lost or stolen items.

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.

Lost or damaged items will either be repaired or replaced if repairing the item is not possible.

This cover is for items 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.

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.

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.

Our home insurance policy is designed for items of personal use only. However, if your home-office is used for anything other than paperwork and telephone calls, such as receiving clients/customers, employing staff or keeping business related cash or stock at the property, please contact us on 800 772 (RSA) and speak to one of our dedicated insurance advisors to discuss your requirements.

You should start by valuing your home room by room. Think about the contents in each room and work out how much it would cost to replace it all.

Yes, as long as no claims are made during the Period of Insurance, you will get your refund, which is subject to an admin fee.

We will give you a refund, as per the short rate schedule.

Many sports activities are covered and some hazardous activities are covered only if professionally organized and supervised such as bungee jumping and white water rafting.

Children can be added into the travel policy with a reduced rate of 50%. Children aged 3 or under are not charged any premium.

The maximum age to obtain one of our travel policies is 75.

Pre-existing condition is any defect, infirmity or condition for which treatment (including medication), investigation or advice has been prescribed or received in the 12 months prior to the issue of the policy (for single trips) or in the 12 months prior to booking your trip (for Annual Multi Trips), or any ongoing or recurring medical condition (or complication directly or indirectly attributed to that condition) whether investigated by a Medical Practitioner or not or you are on a waiting list to receive medical advice or treatment.

No, unfortunately travel insurance with a pre-existing medical condition cannot be offered.

Please refer to the pre-existing condition defintion for further clarity.

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.

If you are inconvenienced and require immediate assistance, you can contact our 24X7 assistance centre on +971 4 601 8777 from anywhere in the world and they will provide you with the help you need including legal referral, emergency travel arrangements for family members who can accompany you when you are hospitalised.

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.

Reporting or registering a claim is easy. Just call 800 772 (RSA) or visit our website at rsadirect.ae. Alternatively, you can also visit an RSA branch near you.

The process time will vary and there is not set time however, once you make a claim, we always endeavor to turnaround your submission within one working day, provided that all the mandatory documents have been submitted.

We provide you with 3 travel insurance options:

• Comprehensive Travel - Provides you with the minimum mandatory insurance for Travel to Schengen
• Holiday travel - Provides with everything necessary for safe travel. With covers for travel inconvenience, medical expenses, personal accident benefits etc.
• Executive Travel - This policy has higher limits and coverage than the standard holiday travel cover.

The excess or deductible is your contribution made at the time of a claim.

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. While the policy coverage offered for our annual and single trip policies are identical the limits on the annual policy are applicable for every trip you make.

Once your claim has been settled, a member of our team will call you to either collect your cheque or arrange a bank transfer.

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.

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

An annual policy provides cover for multi-trips for up to a maximum of 62 days during each travel period.

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.

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

No, but we will ask for each applicant to complete a detailed set of questions about their medical history so that we can be clear about what is and isn’t covered.

WorldCare is a comprehensive international health insurance plan offering high levels of cover worldwide with even the most basic plan.

For residents of Dubai, there are three options available – Advance, Excel, and Apex – all including full cover for out-patient and in-patient treatment.

For residents of the other Emirates, there are four options available – Essential, Advance, Excel and Apex, offering a range of cover from hospitalization only to comprehensive including dental and maternity. Click here to compare plans.

For people holding a valid visa for the Emirate of Dubai, pre-existing medical conditions are covered up to an aggregate limit of USD 41,000 per insured person, per period of cover.

For other residents, depending on the outcome of the medical declaration process, we may exclude some medical conditions in addition to the standard exclusions of the plan. https://www.now-health.com/en/#worldCare13Tabhttps://www.now-health.com/en/#worldCare13Tab for a list of standard exclusions. Thereafter you can access all of the benefits on the plan up to the benefit limit stated.

Yes, for UAE residents, all our WorldCare and SimpleCare plans offer access to medical treatment worldwide excluding the USA as standard.

You can apply online and get cover in the same working day providing we do not need to underwrite your application. If we do need to underwrite your application, we will provide a decision within two working days.

You can cancel your plan within a 14-day cooling off period. Provided no claims have been made, we will arrange a full refund of your premium.

An annual deductible is a set amount of money which the member agrees to pay for medical treatment each year before the insurance plan kicks in. For example, if you choose a USD1000 annual deductible, you pay the first USD 1,000 of your covered medical treatment each year, and then we pay the rest. An annual deductible can help more cost-conscious customers to better manage their healthcare costs, as a higher annual deductible usually means a lower premium.

Annual deductibles are not available to customers with residence visas in the Emirates of Dubai or Abu Dhabi, so a nil deductible will apply.

No, the level of cover can only be changed at the time of renewal.

Yes, when you purchase a plan you will be sent your own username and password to access the secure online portfolio area. You can log in and access all the forms you need to use the plan as well as view and edit personal information, view plan information and view all claim information. 

We have a set of service promises which set out how quickly we do important things like processing claims and setting up pre-authorised treatment. We process claims in five working days or less.

It’s easy to send us your claims online using our digital tools. Members can submit claims via:

1. Our smartphone App for iPhone and Android (available to download here); or
2. Via your secure online portfolio.

Simply complete the online form and don’t forget to attach a photo of any receipts or diagnostic reports. You will receive a notification to acknowledge receipt of your claim and you can track it using your secure online portfolio. What’s more, once you’ve submitted a claim once, details about your plan and payment details will be saved for next time so you don’t have to input them every time!

International health insurance is designed for people who want to access healthcare both in their local country and overseas. Our plans are perfect for people who travel extensively, want to seek treatment in worldwide centres of medical excellence, or for expats living and working abroad.

We offer 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.

In the happy event that you get a hole-in-one, we 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.

Yes, your golf policy covers you worldwide. However, the third-party liability excludes any claims made against you in the USA or Canada.

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.

 

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

 

In addition to the War & Risk Exclusions, the following are also excluded under the policy:

• Electro Magnetic Field (EMF) exclusion
• Genetically Modified Organisms (GMO) exclusion
• Transmissible Spongiform Encephalopathy (TSE) exclusion
• For more information regarding the above, read our Policy Wording

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 canceled 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 rent.

The standard policy covers the yacht/ pleasure craft whilst in use in the coastal waters of the UAE only. If you wish to extend your cover to other areas, please contact us.