Motor Insurance Proposal Number

Proposal 552223

RAK Motor full Option Issue Date Expiry Date

22-Jul-2023 06-Aug-2023

Personal Details Vehicle Details

Full Name SONI VIPIN SAUBHAG Vehicle Value 31,900.00
greeshma@policyhouse. Make HONDA
Email Address
com Manufactured Year 2014

Driver's Details Model ACCORD

Model Details DX
Driver DOB 02-Nov-1955
Body Type SEDAN
Driving License Issue Date 08-May-1986
Cylinders 4
Excess No of Seats 5
Deductible 250.00 Repair Condition Approved Workshop-Garage
GCC Specification Yes
Vehicle Registered Emirate Sharjah

Premium Details
Premium Addon Premium VAT Payable (5%) Gross Premium
910.00 0.00 45.50 955.50

Benefits
RAK Motor full Option
Physical loss or damage to insured vehicle Covered
Third Party Death and Bodily Injury Covered (Unlimited)
Third Party Property Damages Covered up to AED 3,500,000/-
Personal Accident Benefit - Driver Covered
Personal Accident Group - Family Covered as per Insurance Authority Unified Policy
Personal Accident Group - Employee Covered
Emergency Medical Expenses Covered up to AED 5,000/-
National Ambulance Services Covered up to AED 6,770 per person
Available in UAE and Oman (Vehicle will be towed only to the
24 Hour Roadside Assistance closest garage within the same city) and only for vehicles up to
3 ton
Fire & Theft Cover Covered
WindScreen Damage Covered up to AED 2,000
Personal Bodily Injury Covered up to AED 50,000/-
Motor Trade & Valet Parking Covered
Natural Perils Covered
Personal Belongings Covered up to AED 5,000/- (Subject to Police Report)
Covered up to AED 5,000/- ( If the car keys of the insured
Replacement of Locks
vehicle are lost or stolen subject to a police report.)
Applicable to four wheel drive vehicles only and excluding
Off Road Coverage
safari activities
New Car Replacement Up to first 6 months for brand new vehicles
Only for Saloon, Station Wagon and Coupe vehicles (Subject
GCC Cover for Own Damage
to Orange Card Purchase)
Once per policy period for maximum 5 days with 1 day
deductible subject to submission of invoice. Maximum cash
reimbursement is 100 AED per day. Only private and
Free Courtesy Car cash reimbursable benefit
individual owned vehicle for non-commercial purpose shall be
covered. This benefit is not applicable for Pick up, Van, Buses,
whether privately or commercially used.
Free Orange Card Upto two Oman trips - each trip 7 days
Personal Accident Benefit - Passenger Covered
Special Conditions:
1. Basic Deductible - Applicable as per policy terms and conditions, which are in full compliance with the Insurance
Authority unified wordings as per the decision 25 of 2016.
2. Young Driver Additional Excess - If the driver's age at the time of the accident is below 25 years, an additional
deductible of 10% of the amount of the admissible claim shall be paid by the driver or the insured over and above the
excess stated on the policy schedule.
3. Additional Excess - Sports Car: The Insured or his representative shall pay the first 15% of the amount of
compensation in addition to the standard policy excess stated on the Policy Schedule.
4. Non-disclosure or misrepresentation -
a. The premium arrived at is on the basis of the information supplied by the insured and / or their agent or broker
and remain fully responsible to compensate RAK INSURANCE, if any info declared that formed the basis of
insurance is intentionally misrepresented making the insurance null & void.
b. Insured and/or their agent or broker agree to show proof of NCD claimed as part of the request of RAK
INSURANCE any time.

5. Adequacy of value of the vehicle - The Insured and/or agent/broker remain responsible to declare the correct
information affecting the vehicle valuation. The insured agent/broker accepts that any misrepresentation or
nondisclosure affecting the insured vehicle shall directly impact the claim, as the applicable sum insured or market
value whichever is less.
Below are the required valid documents before the issuance of the motor policy
New / Renewal issuance: If insurance is expired
a. Emirates ID / Trade License of the proposer a. Passing papers
b. Driving License of the Proposer b. Satisfactory physical Inspection
c. Mulkia of the proposer c. Clear current dated photos of 4 sides of the vehicle.

Disclaimer:
It is hereby declared and agreed that with the acceptance of premium payment, regardless of payment method or
schedule, the Insured / Policy Holder named in this policy schedule unconditionally confirms that he/she has read,
understood, and accepted the Terms & Conditions of this policy, which are in accordance with the Unified Motor
Vehicle Insurance policy in UAE without the need of physical signature.

Should any issue arise out of the above, please refer to the Terms & Conditions that form part of this insurance policy
and shall prevail in case of a dispute.

We recommend to familiarize with the terms & conditions of the policy, understand the scope of available covers which
are outlined as per the standard motor policy approved by insurance authority.

Please contact us, should you have any further queries on 800 7254 or get in touch with your respective intermediary.

Signed for and on behalf of the company ‫ة ﻋﻦ ﺑﺎﻟﺘﻮﻗﻴﻊ ا‬