Frequently Asked Questions
Simply select the product you want to buy from the products menu and follow the 4 steps shown in the product page.
Log in to your account and select the policy you wish to renew from your dashboard. We will mark the policies that are due as renewable.
Yes, you can do so by opting the quick renewal feature. Simply select the product you wish to renew and enter the CPR and policy number and click on the renew button.
We don’t have such a facility just yet. In order to register a claim you will need to visit our Salmabad claims center.
No, once a policy is expired you will not be able to renew it using this website. For such cases, please visit our branches or call us for more information .
You can do so 3 months prior to the policy’s expiry date
We don’t have such a facility just yet. Changes will have to be done in our branches.
We don’t have such a facility just yet. Such vehicles have to be insured in our branches.
At the time of purchase, you will be directed to opt your preferred delivery method which can be an address or a pick-up from a branch that you specify
The premium is BD 58.5/- for annual family coverage and BD 48.5/- for annual individual coverage.
The geographical scope is worldwide, including USA and Canada, and there are two policy duration options, annual and two-year coverage.
Residents of Bahrain. People intending to travel less than 92 consecutive days. Under Family package, Family includes Insured, spouse, and his/her children aged 3 months to 17 years
Unlimited number of children can be covered under the Family option as long as they are aged between 3 months and 17 years.
Schengen requires a minimum limit of £30,000 for medical expenses. Our policy covers up to $50,000 in respect of Emergency Medical Assistance which exceeds the minimum requirements.
Our Travel policy provides five categories of benefits. They are as follows:
For a summary of the benefits covered under each section and their limits, click on Benefits of the Product.
Yes, as in the case of other insurance contracts, this policy has certain exclusions. These are clearly listed in the Terms and Conditions. Some of the exclusions are:
The contact numbers of our service provider (Gulf Assist) are as follows:
International Tele No.: +973 17218899
Fax: +973 17215177
E-mail: @gulfassist.com
Europe Contact Numbers:
Ireland +353 91560621
Germany +49 1805115610
Gulf Assist will provide you with the necessary assistance and claim's clarifications required.
For full details of what is covered and the terms and conditions, click on Terms and Conditions.
The minimum annual premium is BD 140/- in case of Gold+ and BD 170/- in case of Platinum+
The policy covers you on a Market Value basis, which means that the policy will pay the cost of the car in the market at the time of loss, taking depreciation and market conditions into account. The sum insured for a new car is usually its purchase price and then the sum insured gets depreciated at every renewal to reflect the reduction in the car's market value.
To view a comparison of the two products available, please click on Benefits of the Product.
Registration occurs after the car has been insured.
No, only comprehensive motor insurance is available online.
These are a bundle of services offered with your motor comprehensive policy at a nominal fee, as follows:
Note: The above services need booking 48/H in advance
For more info, please click on Pickup and Delivery Services
A fixed percentage for depreciation is deducted when an old part is replaced with a new one at the time of repairing the Insured Vehicle due to an accident covered by the policy, as follows:
Up to 3 years
Nil
4 years
10%
5 years
20%
6 years
30%
7 years
40%
Over 7 years
50%
Tires, Exhaust and Battery above 6 months
Note: If Platinum+ is selected, depreciation on parts will be applied from 6 years onwards.
Section 1 (own damage to the Insured Vehicle) can be cancelled by the insured. Provided no claim has arisen during the current period of insurance, a return of premium at the following short period rates based on the period the policy has been in force will be allowed:
Not exceeding one week
12.5%
Not exceeding one month
25%
Not exceeding three months
Not exceeding four months
62.5%
Not exceeding six months
75%
Not exceeding eight months
87.5%
Exceeding eight months
Full Premium
For Vehicle/Road-Side Assistance or Car Replacement Services, the Toll Free numbers of our service provider (Gulf Assist) are as follows:
UAE:
80009730222
Kuwait:
22583600
Qatar:
080097305
Oman:
24785486
KSA:
8008973222
For Pick Up and Delivery Services (this service is not necessarily related to claims), the contact number of our service provider (Gulf Assist) is 17218925
For Worldwide Emergency Travel Assistance provided under Platinum+ option, the contact details of our service provider (Gulf Assist) are the following:
Tel: +973 17218899
Email: operations@gulfassist.com
For road accident claims, our Motor Claims Department contact numbers are:
Tel: +973 17875000 (Sun-Thu: 7:30am-3:30pm)
Fax: +973 17875050
Premiums start from BD 20/- annually.
The policy covers you on a Reinstatement Value basis, which means that the policy will pay the cost of reconstructing your house (in case of a total loss) or replacing your content with new similar content provided the Sums Insured are adequate.
Building Sum Insured ...... the total value of rebuilding the property at the time of loss, the cost of raw material and labor and excluding the land price.
Content Sum Insured ...... the value of replacing the content as if new.
If you live in an owned property, you can cover both the building and contents. If you are a tenant, the contents only can be covered along with the fixtures and fittings owned by you. A landlord who is renting out his property could cover the building with its fixtures and fittings in addition to the contents that he is providing.
Single items within the contents exceeding BD 2,000 need to be declared. No one article will be deemed of greater value than BD two thousand on the said contents unless such article is specially declared as separate item.
The policy will cover the cost of an alternative accommodation up to 5% of the total sum insured of building and contents if a loss renders your residence uninhabitable and while it is being repaired.
First worker (housemaid, gardener, chef, etc.) will be covered for free and BD 5/- for any extra worker.
Domestic workers, e.g. housemaids, employed by you in your personal capacity (not for commercial activities) can be insured under the policy. The first worker can be insured for free and any additional worker can be covered for an extra BD 5/- only.
Fot more details about what is covered, click on the benefits table.
Provided jewellery is kept in a locked safe, your jewellery will be covered up to 15% of content sum (the value of replacing the content as if new) insured subject to a maximum of BD 2,500/-
By paying an additional BD 10/-, the jewellery limit will increase to cover up to 25% of content sum (the value of replacing the content as if new) insured subject to a maximum of BD 5,000/-
Deductible is the amount, mentioned in the policy schedule, which the Insured is responsible to pay in respect of each and every loss.
The home emergency assistance services benefit is a free of charge benefit bundled with your Home insurance policy that enables you to get the services of an assistance company for home emergency repair services, for up to three incidents per year and with a covered limit of BD 70 per incident. The services include emergency:
For more details, click on Home Assist.
This cover is an optional extension to your home policy that covers damages to your property that arise due to a malicious act of any person(s), riots, civil commotion and unrest, strikes, terrorism and the use of violence for political ends. This extension is subject to an additional premium.
Yes, as in the case of other insurance contracts, this policy has certain exclusions. These are clearly listed in the Terms and Conditions. Some of the more important exclusions are:
You need to take the following actions if a claim occurs:
For Home Assist 24-hour Emergency Assistance Services, the contact number of our service provider (Gulf Assist) is 17576642
For other Home insurance claims, our contact number is 17119999 (Sun-Thu: 7:30am-3:30pm)
You can call us and request to talk to property claims department who will provide you with the necessary assistance and claim's clarifications required.
Domestic workers are those employed by you in your personal capacity (not for commercial activities). They can be:
Death due to accident
BD 5,000/-
Permanent disablement due to accident
% of BD 5,000 based on degree of disability
Medical expenses arising out of bodily injury resulting in death or in permanent disability to the helper
BD 500/-
Actual cost of repatriation of the mortal remains following death (accidental or natural, but excluding suicide)
BD 1,000/-
Expenses incurred to recruit a replacement domestic help in the event of death or permanent disability exceeding 50% due to accident
The employer is the Insured/policy holder in whose name the policy is issued. The Domestic Help is the insured person covered by the policy. The Company will pay the Insured (employer) if the insured person (domestic help) sustains bodily injury covered by the policy. For death and disability benefits, the employer is in turn responsible to compensate the domestic help or his/her family.
No problem. In order to insure them all, you need to select the number of domestic help you would like to insure, enter their personal details and pay the relevant premium.
Yes, as in the case of other insurance contracts, this policy has certain exclusions. These are clearly listed in the Terms and Conditions. Examples of claims excluded in the policy are those arising from:
Our contact number is 17119999 (Sun-Thu: 7:30am-3:30pm)
You can call us and request to talk to the Claims Department who will provide you with the necessary assistance and claim's clarifications required.
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