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Secure your car with flexible plans that suit your budget and protection needs via the SC mobile app.

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Secure your car with flexible plans that suit your budget and protection needs via the SC mobile app.

Motor Insurance

Motor Insurance that provides you round the clock assistance on the road and flexibility to customize your coverage.

Benefits

Benefits
Motor Prestige
Motor Perfect
Motor Third Party
Loss or damage to the insured vehicle Yes Yes Not Applicable
Third Party Bodily Injury Yes Yes Yes
Third Party property damage Yes, 5 Million Yes, 3.5 Million Yes, 3.5 Million
Legal Liability extended to include family members as Third Party Yes Yes Yes
Fire & Theft cover Yes Yes Not Applicable
Storm, Flood, Riot & Strike Yes Yes Not Applicable
Personal Injury cover AED 20,000 AED 20,000 Not Applicable
Emergency Medical Expenses AED 6,000 AED 3,500 Not Applicable
Personal belongings AED 4,000 AED 4,000 Not Applicable
No claims discount Yes Yes Yes
Oman cover Yes Yes Optional
Off road cover Yes Yes Not Applicable
Maximum available Agency repair period Included, 5 years Optional up to 5 years Not Applicable
Guaranteed repairs Yes Yes Not Applicable
Back to Invoice for Total loss 24 months from 1st registration 6 months from 1st registration Not Applicable
Waiver of excess for windscreen damage Yes Yes if below AED 5,000 Not Applicable
Personal Accident – Driver Optional, AED 350,000 Optional, AED 200,000 Optional, AED 200,000
Personal Accident – Passengers Optional, AED 200,000 Optional, AED 200,000 Optional, AED 200,000
Hire car benefit Yes, up to AED 1,500 Optional, up to 7 days Not Applicable
24 Hour Accident & Breakdown recovery Yes Yes Yes
GCC cover Optional Optional Not Applicable
Pick & Delivery (Claims Service) Yes Yes Not Applicable
Claims Single point contact Yes Not Applicable Not Applicable

Major Exclusions:

  • Driving under the influence of alcohol or narcotics
  • Driver without a valid license
  • Please refer to the complete list of exclusions in the relevant Terms and Conditions for Motor Prestige, Motor Perfect and Motor Third Party.
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FAQs

  • What premium will be charged?

    The premium payment will depend on the model of car you are looking to insure.

    Major Exclusions

    • Driving under the influence of alcohol or narcotics
    • Driver without a valid license
    • All policy exclusions will be advised once your policy has been underwritten

Important Notes

  • The benefits listed are subject to specific plan limits, and all applications are subject to underwriting and acceptance by Gulf Insurance Group (GIG).
  • Standard Chartered Bank UAE (“Bank”) earns a referral fee from the Insurance provider – Gulf Insurance Group (GIG) from the sale of this product and taking this policy is not a pre-condition to any other banking product you sign up for with the Bank. Insurance Products are not deposits or obligations of, or guaranteed by, the Bank or any of its affiliates or subsidiaries.
  • 1Back to Invoice Cover for Total Loss: If your car is under 24 months old and declared a total loss, at GIG’s decision, GIG will either reimburse you: a) The purchase price of Your Vehicle (minus any additional charges including but not limited to charges for non-manufacturer accessories and finance charges); or: b) The current retail price of purchasing a brand-new vehicle of the same model as Your current vehicle.

Disclaimer:

General insurance products are provided by Gulf Insurance Group (GIG). Standard Chartered Bank UAE is only a referrer of GIG’s general insurance products and earns a commission from the insurance provider from the sale of this product. Standard Chartered Bank shall not be responsible for insurance provider’s actions or decisions, nor shall Standard Chartered Bank be liable regarding payment of claims or services under the policy/insurance contract or in any manner whatsoever regarding your application or the contract of insurance.

The contents of this webpage do not constitute a contract of insurance and reference should be made to the respective policies for the exact terms and conditions applicable to the insurance policy. This webpage is being distributed for general information only and it does not constitute an offer, recommendation, solicitation to enter into any transaction. If there is any discrepancy between the information contained in the above and the Terms of the policy, the Terms of the policy shall prevail.