In case of an accident, there’s usually two people involved, and you’re one of them. Third-party insurance will pay for the other person’s damage. But what about your car? Or that big scratch on the screen your laptop earned when it flew off the passenger seat?
Paying for repairs out of your pocket is never fun. And if your car is up to 7 years old, the final bill to fix those dents can get very high, very quickly.
With this fully comprehensive cover, you’re safe from those surprise bills. And you can earn up to 25% cashback on your premium + get rewarded for safe driving, too.
Recommended for cars aged:
Full coverage: protect others, yourself, and your car
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.
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.
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.
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.
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.
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.
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.
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)
Extra 10% off when you buy online
Pay-per-kilometer
SmartDriverWith this cover, you can get up to 25% cashback on your premium for driving less + extra rewards for driving safely.
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