Beema | Fully Comprehensive Car Insurance + Agency Repairs

What a fine car you've got there.

If you've decided to make an important investment with your car, it's important to keep its parts authentic during the first 4 years.

So we made a cover that does just that.

Besides protecting your wallet from surprise bills, this fully comprehensive cover will ensure that all repairs are done at an official dealership of your car’s brand. And you can earn up to 25% cashback on your premium + get rewarded for safe driving, too

Recommended for cars aged:

0-4

What you get:

Full coverage: protect others, yourself, and your car

Agency repairs: car repairs will be done at the official dealership of your car’s brand.

Pay-per-kilometer: earn up to 25% cashback based on how much you drive during the year.

SmartDriver option: earn rewards for safe and responsible driving.

Cashback options:

Pay-per-kilometer

Earn up to 25% cashback at the end of your policy period based on the distance you drove during the year.

SmartDriver coming soon

Earn rewards at the end of your policy period based on your measured driving behavior like speeding, phone handling, and smooth driving during the year.

Benefits

Loss or Damage to Your Vehicle

If you have an accident, we either repair your car and bring it back to its original state, or pay upfront in cash its value - in case the damage is so big that it doesn’t make sense to repair it.

Medical Expenses Due to an Accident

You and your passengers get up to AED 3,500 to help cover the costs of medical treatment following an accident.

Personal Belongings

In case your things get damaged in an accident, a fire, or if they get stolen from your car, we pay up to AED 4,000 to help you quickly replace that laptop or that phone

Breakdown Recovery

Flat tyre? Did you lock the car with (oops) your keys inside? The car broke down and needs towing back into town? Calling a towing service in these situations could set you back as much as AED 1000. With 24/7 roadside assistance, your Beema insurance policy has you fully covered.

Agency Repairs

When it comes to getting the best protection for your car, you should also consider who will be repairing it, in case anything happens. With your Beema car insurance, you can keep calm because you know that it will always be repaired by an authorised dealer of your car’s brand.

Natural Perils (Storm/Flood)

Fire, storms, floods: these are all events that can also cause damage to your car. That's why we made sure to cover your back even when nature gets out of hand. You are also fully covered in case of theft, riots or strikes. We live in one of the safest places in the world. But you know what they say: better safe than sorry.

Third Party Bodily Injury

Your Beema car insurance does not have an upper limit for third-party injuries. Put simply, it means there are no caps when it comes to compensating the people who got injured in a car accident that you caused. We pay for everything that's needed.

Third Party Property Damage

Up to AED 3.5m for third-party property damage. We topped up this limit to make sure your insurance will cover all the possible damage to others that can happen in a car accident you caused.

Off-road Cover

Yes, we have your back covered even if you drive off the beaten track. As long as your car has a four-wheel drive and you're not participating in a sports race.

Pick up and delivery (Claim Service)

If your car gets a bit more than a scratch or a dent in an accident and is unsafe to drive to the repair shop, we’ll send over a towing service and sort that out for you. When the repairs are done, we’ll deliver your car straight to your doorstep. How’s that for concierge service!

Oman extension

You finally managed to organise that weekend road trip to Oman with your friends, and you're wondering if you need to buy extra insurance for your car? Well, you don't. All the covers of your Beema insurance policy are valid in Oman, as well. Just make sure to collect the Orange card at one of AXA’s offices before leaving.

Ambulance Services

If anyone involved in an accident you caused needs on-site ambulance assistance and transport to the hospital, we will pay up to AED 6,770 for every person injured to help cover the ambulance costs.

Theft

We will compensate the insured for loss of or damage to their vehicle and it's accessories due to robbery or theft.

Fire

We will compensate the insured for loss of or damage to their vehicle and it's accessories due to an external fire or explosion, spontaneous combustion, or lightning.

Total Loss

We will replace the damaged vehicle in case of a total loss, unless the insured requests the amount in cash instead.

Strikes, Riots, and Civil Commotion

We will compensate the insured for damage to their vehicle and its accessories due to strikes, riots and civil commotions.

Personal Injury

We will pay AED 20,000 to the insured and/or spouse if they suffer accidental bodily injury while using the car.

Back to Invoice – 6 months

Zero depreciation in case of total loss in 6 months

Extra benefits

Personal Accident Cover for Driver

We hope it never happens, but if it does, we want you to be fully covered: In case of an accident leading to serious bodily trauma or worse, you get up to AED 200,000. This applies to all the passengers in the car, even if the person driving the car is not listed as the insured person on the policy.

Personal Accident Cover for Passengers

In case of a personal accident leading to a serious bodily injury or trauma, your passengers are entitled to an insurance benefit of up to AED 200,000.

Hire Car

Picking up the kids from school, getting groceries, running to the gym: your life still goes on while your car is being repaired. We got that sorted out for you: a replacement car for up to 10 days, and we can arrange for pick up straight at the repair shop.

GCC Cover

Planning a trip to our neighboring countries? With GCC cover, your own damage protection is valid in Oman, Bahrain, Saudi Arabia, Kuwait, and Qatar. Remember: third-party insurance extension is valid only in Oman. When travelling to all the other countries, you need to purchase third-party liability at the border crossing.

Personal Accident Cover Worldwide

Protection against financial losses occurring due to an accident and resulting in medical expenses, need for repatriation, permanent disability or death.

Windscreen Damage

We will cover the cost of replacing or repairing damaged windscreens, windows or sunroofs (AED 5,000. limit).

Replacement Locks

We will pay for the replacement costs of stolen keys, damaged locks, ignition cards, or lock transmitters of the insured vehicle.

MotorTrade and Valet Parking

We will indemnify the insured for the loss of or damage to their vehicle while in the custody of a motor garage or valet parking (only for comprehensive policies)