Third-Party Liability Insurance

GIVE YOUR VEHICLE THE COVERAGE IT DESERVES

• We offer all-rounded and effective third-party insurance plans, with easy claim settlements at competitive rates. Under this policy, our insurance company in Oman provides you protection from the damages caused by the motor accident or arising out of the use of the insured vehicle. We always design and develop our plans to meet the ever-changing demands of our customers.
  With the easy claim process and exceptional customer service we ensure that you receive financial help at the time of need.

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  What are Third-Party Liability Insurances?

  The third-party liability insurance policy offers financial protection to the insurer from any legal liability arising out because of the damages sustained by the third-party person or property.

  In a typical auto insurance plan:

• First party: The insured person or the policyholder.
• Second party: The insurance company.
• Third-party: Person or persons other than the above two parties affected by an accident caused by the first person.

According to the Oman Motor Vehicle Act, third-party insurance is a statutory requirement for all vehicle owners. The third-party vehicle insurance plans aim to protect both the third party and the insurer from any financial losses incurred due to the accident’s legal liability.

In the event of an accident, it is the responsibility of the insured to inform the insurance company. For a faster and successful claim process, it is essential that you intimate about the accident immediately. Your timely response can be an excellent aid for us to inspect and process your claim at the earliest possible time.

While making claims, you are required to submit the following documents:

• Copy of the police report.
• Policy papers.
• Copy of vehicle registration.
• Copy of valid driving license.
• Copy of Oman Iqama or resident ID card.

What all things do Third-party insurance cover?

In the event of a vehicle accident, where an insurer is held legally liable for the accident, the third-party insurance cover provides much need financial relief. This affordable car insurance is designed to cover the legal liability of the insurer. However, it excludes any harm caused to the policyholder, driver, and the policyholder’s vehicle involved.

• Third-Party Liability: Any kind of physical injuries, disability, or death of a third party is covered under third party vehicle policy. It covers all the incurred and future expenses born by the third party. The amount to be settled is decided as per the pre-agreed terms of the policy. For example, medical expenses, loss of pay, loss of salary, etc.
• Third-Party Property Damage: It covers third-party against any kind of property damages caused by an accident with your insured vehicle.
• Third-Party Vehicle Damages: It also covers the damages caused to the vehicle of a third-party. For example, the cost of repairing damaged vehicles, towing cost, etc.

What does it not cover?

The scope of third-party is limited in comparison to comprehensive motor coverage:

• Risk of to the driver or passengers.
•  War and Nuclear Risks.
• Limitation as to use (organized racing, speeding test, etc.).
• Driving under the influence of alcohol.
• Driving without a valid license.
• Accidental damage happening outside coverage area.
• Financial liability due to contractual obligations
• Liability caused by Warlike incidents/situations

Motor Third Party Liability Insurance:

Our affordable third-party motor insurance plans are simple and cover all the statutory requirements described by the Motor Vehicle Act. We recommend comparing the car insurance plans of other Oman insurance companies before you make a final call. You will notice our plans are available at competitive prices with an excellent service delivery track record.
We have the option to customize our insurance plans according to your bespoke requirements. You can amplify your insurance plan by adding a personal cover to it.

Features of Motor Third Party Liability Insurance Policy at a glance:

Our Motor Third Party Liability Insurance policy covers you against the following risks.

• Legal liability in respect of:
  • Death – OMR. 15,000/-
  • Bodily injury to third parties – As per Sharia law
  • Third-Party Property Damage up to RO 150,000/-
• Policy coverage extended towards Driver, Passenger & Family members.
• Covers loss or damage of the insured vehicle
• UAE extension provides protection even during cross-border drives
• Seamless claim process
• Emergency Roadside assistance

Why must you get Third-Party liability insurance?

• Enables you to drive legally: As mentioned, it is legally invalid and punishable for you to drive in Oman without third-party motor insurance.
• Legal coverage and financial assistance: It cover the insured person’s legal liability in case of death or disability to any third party or financial loss to his property. Though the beneficiary under this plan is the third-party, you get protection against legal and financial liability.
• Affordable: Compared to comprehensive vehicle insurance, third-party insurance is affordable and covers the significant financial burdens that happen due to a road accident.
• Peace of mind: Rather than worrying about unforeseen financial expenses, the focus would be on immediate relief from stress and coping with the incident. This brings peace of mind to all stakeholders involved.
• Easy process: It’s easy to procure and renew car insurance online, and most of the process can be done simply through our online portal. The best part about online insurance is that it is available 24X7.

Why Us?

Our stability and success can be attributed to the strategy of keeping customers at the heart of our business operations.
We make it a point to stay true to your value and principles. All our insurance plans are designed and developed to keep pace with the changing customers’ demand and government policies.

We have the most diverse and cost-effective takaful insurance plans.
We uphold transparency and trust at the very core of all our transactions. Our team of expert insurance advisors strives consistently to make all our plans transparent, affordable, and more dependable.

We provide an extensive range of motor and vehicle insurance and add-on plans for all portfolios in Oman. We ensure we will be your constant support mechanism in times of need.

Request a Call to discuss the plan in detail. Our insurance experts in Oman will be delighted to guide you.