Motor Insurance

Motor Third Party Liability Policy is considered mandatory by virtue of Kuwait motor law No 67/76 and order No 81.
It provides insurance for any amount that you as the owner of the motor vehicle may be legally liable for in respect of:
Death of or bodily injury to any person including all passengers in the vehicles (except you, your spouse or the driver).
Property damage (except those owned by you or the driver at the time of accident or property that has been entrusted to you or is in your custody or control).

Comprehensive Insurance Policy

The Company undertakes to indemnify the contributor for any loss or damage to the insured vehicle and its spare part accessories, which may occur during the period of the insurance policy and within the geographical boundaries of the State of Kuwait and in accordance with the condition that loss or damage incurred:
·      By collision
·      By fire, external explosion, self ignition, lightning
·      By burglary or theft
·      By malicious act of third party
·      While it is in transit by road, rail, inland waterway, lift/elevator etc.

Supplement of the Right of Recourse
 The Company undertakes not to use the right of recourse on the participant or whom he might have allowed to drive the car. This is in accordance with Article 75 of the order of the Minister of interior No 81 for 1976 in case of breach of the provisions of motor third party insurance.

Private Car Total Loss Insurance Policy
The company shall indemnify the participant for any actual or constructive total loss in the car as stated in the insurance policy due to total loss or total damage in the following circumstances:

• If the loss resulted from an accident or turn over.
• If the loss is caused by fire or internal ignition or lightning.
• If the loss is caused by theft or burglary.
• If the loss is caused intentionally by third party.
• If the loss is caused while carrying it by land or by lifts or forklifts.

Personal Accidents Insurance Policy
This insurance specifically covers the participant (car driver), his wife, parents, sons and daughters in his car, whose specific data are stated in the policy. The person is considered as seated in the car whether inside or outside the car, ascending or descending.

This insurance also covers the estate of the bereaved or the injured person if the car accident occurs inside the borders of the State of Kuwait, and within the duration of the policy, and where the estates of the person, or the injured person himself have no right in full or partial compensation from another car's third party motor insurance.

 Driving License Insurance Policy
This insurance covers all accidents caused by the contributor while driving within Kuwaiti boarders. This insurance issued to replace Third Party Insurance to those driving Government  vehicles.

Orange Card Insurance Services
This insurance covers damages caused by car accidents which are insured in Arab Countries involved in this agreement.

Road Assistance Services
This service provide many other services such as (run-out of gas assistance, urgent mechanic services , battery charging, towing and flat tires).

Substitute Car
The company provides a substitute car for those holding comprehensive insurance policy at the time of accidents with additional charges .