This is the widest form of cover available to protect your vehicle. The plan covers losses due to accident to the vehicle, fire in the vehicle or theft of the vehicle and it includes your liability for personal injury or property damage to third parties arising from the use of your vehicle. There are other additional extensions such as
** Riot, strike, storm and flood
** United Arab Emirates cover
** Off-road cover
** Personal Accident cover
** Third party property damage limit
** Windscreen damage
** Personal Accident Benefit (PAB) cover to driver
** Personal Accident Benefit (PAB) cover to passengers
Compulsory Insurance (Third Party Liability):
This policy indemnifies the insured against all sums which the insured shall become legally liable to pay as compensation for:
** Death of or bodily injury to any person including all passengers in the vehicles (except the insured or the driver and their families [spouse, parents and children] and the employees of the insured).
** Damages for materials and property (except those owned by the insured or the driver at the time of the accident).
Third Party Motor Insurance is Mandatory in Sultanate of Oman, as it covers compensation of Death (Third Party) up to RO 15,000