FAQ

• Comprehensive Insurance
• Compulsory Insurance
• Compulsory Insurance + PA

• Comprehensive - The premium for car insurance is calculated as a percentage of the value of your car. If you have had any accidents, it would be factored in to the premium. If you have not had any accidents, we offer a no-claims bonus with the renewal of your policy

• Compulsory - The premium for car insurance is calculated as a fixed value. If you have had any accidents, it would be factored in to the premium. If you have not had any accidents, we offer a no-claims bonus with the renewal of your policy

Also known as ‘Deductible’, the Policy Excess is the fixed amount of money that you have to pay for each and every claim you may have – the Policy Excess is there to offer you a lower overall premium for your car insurance

The premium for cars vary based on the usage and vehicle types and in addition to that excess also will vary.

• The Roadside assistance is an additional cover/benefit will be given as part of product when there is promotion otherwise the insured shall pay extra amount for availing the service.
• Roadside Assistance covers towing services, battery services, lock-out, fuel and mechanical first aid.

• Sand Dunes are not allowed. Many roads in Oman are still not paved and the standard comprehensive insurance does not cover your vehicle for accidents happening on non-paved roads such as dune driving, access roads to the beach, construction sites etc. With the Off-Road cover, you are covered on such roads

• When the estimated cost is greater than 75% of the car’s insured value, it would be considered as a total loss

• NLGICgives Comprehensive insurance policies for cars which are lesser than five years for outsiders.
• NLGIC gives Comprehensive insurance policies for until6 years for NLGIC renewals.

• The claim form available at NLGIC shall be filled.
• Excess has to be paid to initiate the claim
• The insured and the involved third parties should be present for open a motor claim.
• In case of minor accident, minor accident shall be submitted.
• In case of major accident, Police Report shall be submitted.
• Medical Bills and Related Medical Documents shall be submitted.

• When the vehicles are having the Agency Repair Cover, the vehicle shall be assigned to Agency.
• When the vehicles are not having the Agency Repair Cover, NLGIC follows the transparent method in assigning the garage to the vehicle claims.

• As per regulatory, the fault party in an accident shall be identified and claims will be reported to the respective insurance company.

• Need more information from Claims Department