FAQ

Why should I purchase an insurance policy from Links Insurance Brokers?

Links Insurance Brokers provides a simple and reliable way to manage all of your insurance needs by focusing on our pillars of genuine understanding, utmost transparency, and dependable service.

With over 15 years operating in the UAE our experienced professionals know how to personalise the very best policies to fit you, your family, and your business so you can rest assured if anything happens – wherever you are, you are covered.

What is a Comprehensive Insurance Policy?

A comprehensive car insurance policy will cover you against:

  • Loss or damage caused to your vehicle
  • Death or bodily injury caused to a third party
  • Property damage caused to a third party

 

You are also protected against:

  • Damage to your motor vehicle due to accidental collision, overturning, fire, external explosion, self-ignition, theft, or a malicious act unless specifically excluded.
  • Accrued legal liability and agreed costs and expenses against third party bodily injury or property damage arising out of use of motor vehicles unless specifically excluded.

 

Due to the large number of accidents on the roads, we always advise our customers to purchase comprehensive car insurance policy.

What is a Third Party Liability Insurance Policy?

A third party liability policy is the basic coverage that is mandatory as per the UAE law and it will cover you against:

  • Death or bodily injury caused to a third party
  • Property damage caused to a third party

 

The policy will not cover damage or loss to your own vehicle.

What is the difference between Agency and Non-Agency (garage) Repairs?

If you have selected Agency Repairs then your car will be repaired at the car manufacturers authorized dealership.

If you have selected Non-Agency (garage) Repairs then your car will be repaired at the insurers own authorized repair garages. Our insurers use garages that adhere to a strict quality control guideline.

Why do I need to purchase a 13-month policy and not an annual 12-month insurance policy?

Traffic Department law stipulates that a 13-month insurance period is required in order to cover the one-month registration grace period.

Can the insurance policy and registration be in two different names?

No, the traffic department will only register a vehicle in the name stated on the certificate of the motor insurance policy.

The policyholder (insured person) should be the registered owner of the car. The policyholder should have a financial interest in the car.

How do you calculate my insurance premium?

A number of factors are used to calculate your insurance premium. Amongst these factors are the age of the driver, length of driving experience, claims history, location, vehicle value and type.

How do you determine the value of my car?

The current car value is determined by comparing the average market value of the same vehicle. The car value is depreciated by 15%-20% every year thereafter.

Can I add extra benefits to my car insurance policy?

Yes, you can. Insurance companies have their own unique set of product offerings, at Links Insurance Brokers we will make sure that you have the cover that you require. Some insurers offer the following benefits as standard whilst others offer it at an additional premium.

  • Personal Accident Benefit Cover to Driver and/or Passengers
  • Oman Cover
  • Off Road Cover
  • Road-Side Assistance
  • Rent a Car Cover
  • Loss of Personal Effects Cover
  • Medical Expenses Cover
  • Windscreen Damage Cover
  • Free Key Replacement Cover

 

Quote requests can now be made online in just a few quick and simple steps. Alternatively, you can contact us on 800 LINKSIB or motor.retail@linksib.com and speak to one of our dedicated client service advisors.

Can my insurance be transferred when the vehicle is sold?

Not in most cases, however in rare cases a driver can qualify to transfer car insurance based upon age and driving experience of the new owner. These cases are rare and have to be approved by the insurance company before a transfer can be made. 

Can I cancel my policy at any time?

Yes, you can. All we need to complete the cancellation is for you to fill out the information in our cancel request form here, or email the following documents to motor.retail@linksib.com:

  • Proof of Deregistration of the vehicle (from the RTA)
  • Transfer of ownership of the vehicle (from the RTA)
  • No plate certificate (from the RTA)
  • Registration card copy in the new owners name

If you need any additional help you can call 800-LINKSIB and speak to one of our dedicated customer service representatives.

 

Am I entitled to a refund of premium?

Yes, you are entitled to a refund of premium provided there are no claims made on the policy.

 

The refund amount will depend on the insurer you select and will be calculated on either a pro-rata basis or on short-period scale basis.

What is the difference between pro-rata basis and short-period scale basis?

Pro-rata basis is calculated based on the number of days remaining in the uninsured portion of the policy.

Short-period scale basis is calculated based on the following table:

Period of Cancellation (from issuance date) Short-period refund (% of premium refunded)
1 day to 1 week 87.50%
1 week to 1 month 75.00%
1 month to 2 months 62.50%
2 months to 3 months 50.00%
3 months to 4 months 37.50%
4 months to 6 months 25.00%
6 months to 9 months 12.50%
Over 9 months No Refund
How can I claim?

You will have to obtain a police report and then either complete the claims request form here. We will assign you a claim number and then instruct you the next steps to get your car repaired.

The following documents are required in order to make a claim:

  • Copy of driving license
  • Copy of registration card (or Mulkia)
  • Original police report

Claim requests can now be made online in just a few quick and simple steps. Alternatively, you can contact us on 800-LINKSIB and speak to one of our dedicated claims advisors or email us at info@linksib.com.

In case of a claim, will you be able to provide me with an alternative car?

If you have selected the “car rental or car hire” benefit then you will be provided with an alternative car. For more information on the duration and daily limits then please refer to the policy terms and conditions as each insurer has its own unique offerings.

Why do I need to wait three working days for the Third Party’s insurer to inspect my vehicle in the event of a non-fault claim?

As per the UAE guidelines, the insurer of your vehicle is required to notify the loss to the third party insurance carrier if the estimate repair cost exceeds a pre-set amount. It will take three working days for the third party’s insurer to inspect your vehicle and agree on the repair cost with the repairer.

This procedure is required to recover the expenses incurred for repairing the vehicle from the third party’s insurer and to maintain your No Claim Discount (NCD) as earlier.

What is the excess or deductible if I claim?

The excess or deductible is the customer contribution that is made at the time of a non-recoverable claim(s) due to an accident.

 

Non-recoverable motor claims usually occur when the insurance policy holder causes an accident or if there is no identifiable third party responsible (e.g. hit and run).

 

The excess or deductible is mentioned on your policy schedule and is applicable for each separate accident or incident.

Can I choose which garage I want to take my vehicle to?

The garage that your insurer chooses will depend on the vehicle type, nature of damage and availability. However, should you have a special request you can request it before purchasing your policy or contact our motor claims team for to see if will be possible to have the repairs done at the garage of your choice.

What is No Claims Discount (NCD)?

A No Claims Discount (NCD) is the discount given on your premium when you renew your vehicle with the same insurance company. In the UAE, a No Claims Discount is based on the number of years your vehicle has been driving without any claims with that specific insurance company, and not the driver.

I have an old car; can it be covered with a Comprehensive Insurance Policy?

Comprehensive cover can be provided for cars less than 8 years old. Cars older than 8 years will have to be referred and underwritten on a case-to-case basis. Please contact our motor team for a quote.

Can I drive in the UAE with an international driver’s license?

In the UAE, you are only allowed to drive a rental vehicle with an international driver’s license and the correct documentation required by law. Any private vehicle, even those belonging to family and friends, cannot be legally driven by individuals without a UAE driver’s license.

What happens if I need roadside assistance?

Most comprehensive motor policies provided by Links Insurance Agents include AAA roadside assistance, but it is something you should ask for when purchasing your policy. Some insurers include AAA roadside assistance as an optional add-on.

If AAA roadside assistance is included in your policy, you will receive a card with your policy number and a telephone number for AAA roadside assistance in the final policy kit.

In the case you decide on a Third Party Liability policy or a policy without roadside assistance you will need to contact a local tow agency.

What type of insurance should I purchase?

If you are;

  • A landlord living in your own property then you should purchase – Buildings and Contents Insurance
  • A landlord renting out your own property then you should purchase – Buildings Insurance only
  • A tenant renting out a property then you should purchase – Contents Insurance only
What is Buildings Insurance?

Buildings insurance covers the sudden and unexpected loss of, or physical damage to, your home and the permanent fixtures and fittings within it. It typically covers the damage resulting from fires, storms, floods or water leakages.

Buildings cover premium is charged as a percentage of the total value of your home (excluding the contents).

What is Contents & Personal Belongings Insurance?

Contents insurance covers the items in your house that are not permanent fixtures or fittings. It covers household goods and personal property such as furniture, appliances and clothing, and typically protects against damage resulting from fires, storms, floods, water leakages and theft.

Personal belongings insurance covers items outside of your home. These are items that you wear, use or carry, e.g. jewelry, laptops, mobile phones and so on. Some insurers offer coverage within UAE only whilst others have extended the coverage worldwide.

Do I need to list all of my contents?

All insurers have different requirements, as a general rule of thumb, contents that are worth more than AED 5,000 need to be listed and declared.

If the insurer requires a valuation they will request for it.

Do I need to list all of my personal belongings?

All insurers have different requirements, as a general rule of thumb, personal belongings that are worth more than AED 5,000 need to be listed and declared.

If the insurer requires a valuation they will request for it.

How do I determine the value to insure?

Buildings should be insured for the amount of their rebuilding cost and not the current market value. This amount can usually be found on the buyers’ report or survey, obtained upon purchase of the property. However, please note that this figure will need to be revised in keeping with market inflation.

Contents and personal belongings should be insured for the total current replacement cost of all items you would take with you if you were moving out. These items could include, but not limited to, carpets, curtains, furniture, electrical appliances, valuables, clothing and personal belongings.

Why do I need liability coverage?

As a landlord, the owner’s legal liability cover will cover you against any accidental bodily injury to any third party person and/or accidental loss of or damage to third party property.

As a tenant, the occupiers’ liability cover will cover you against any accidental bodily injury to any third party person and/or accidental loss of or damage to third party property. The tenant’s liability will cover you against loss or damage to the home and the landlord’s fixtures and fittings.

Please refer to your policy terms and conditions for more information.

Can I get more cover than you are offering?

If you want additional cover or increased limits, please contact us on 800 LINKSIB or on info@linksib.com to speak to one of our dedicated service advisors.

How can I claim?

You will have to complete the home insurance claim form then contact our Claims Team.

The insurer may request for the following documents:

 

  • Proof of purchase or receipts
  • Original police report

 

Claim requests can now be made online in just a few quick and simple steps. Alternatively, you can contact us on 800 LINKSIB or info@linksib.com and speak to one of our dedicated claims advisors.

What is the excess or deductible if I claim?

The excess or deductible is the customer contribution that is made at the time of claim and is mentioned on your policy schedule.

What does ‘Accidental Damage’ mean?

Damage to contents and personal possessions, which happens accidentally without any deliberate action, e.g. a flower vase slipped out of your hand.

How are lost or damaged items replaced?

Lost or damaged items will either be repaired or replaced on a new for old basis if repairing is not possible.

Will my policy be affected if I go away on holiday?

Please refer to the occupancy clause in your policy terms and conditions. All insurers have a different limit; generally your home should not be unoccupied for a period of more than 45 or 60 days.

What is Domestic Helper cover?

This is cover for your domestic employees against death, disability, medical expenses and repatriation.

Please refer to your policy terms and conditions for more information.

What is Fatal Injury benefit?

This is cover for you or your spouse against death as a direct result of injury caused in your home by fire, explosion, lightning, or by intruders.

If I have a mortgage, can the policy be assigned to the lender?

Yes, this is possible.

Will my buildings insurance cover my outbuildings such as the garage and shed?

Yes, all domestic garages, outbuildings, sheds, extensions and conservatories fall under the definition of buildings and are covered under that section. You should make sure that the sum insured for your buildings cover includes the rebuilding cost of these structures.

Who can be covered by a travel insurance policy?

You can purchase travel insurance if you are UAE residents and aged between 18 and 75 years old. Your children above 3 months and under 18 years old can also be covered under the family plans.

What is the difference between single-trip and annual cover?

A single-trip policy covers you only for a specified holiday or trip, whereas an annual policy will cover you for multiple trips made during the year without having to notify the insurer.

When does my travel insurance coverage begin?

The coverage for trip cancellation begins at 12:01am the day after the insurance policy is purchased. All other benefits become effective on the date and time you start the trip.

Under the policy, how many days can I go on holiday for?

A single trip policy provides cover for the duration of a round-trip and depends on the period chosen.

An annual policy provides cover for multi-trips for up to a maximum of 62 days during each travel period.

What are the advantages of taking out annual cover?

An annual cover policy is more suited for someone who is likely to travel more frequently as it is more cost efficient.

Can I amend my travel insurance policy?

Yes, the travel insurance policy can be modified or amended in special cases, but such a change can only be made prior to the departure of the first part of the journey. For example, if your visa approval has been delayed from the embassy, then you need to change your original travel dates.

Can I buy travel insurance for Schengen visa purposes only?

Yes, we can offer a special plan for Schengen visa application purposes.

Can I buy travel insurance even though I have a pre-existing condition?

Yes you can, but the insurance policy will not cover treatment for your pre-existing conditions.

What is the definition of a pre-existing condition?

A pre-existing condition is defined as any medical condition that existed prior to a journey affecting you and/or any close relative and/or travelling companion.

Does being pregnant affect my travel insurance cover?

All insurance companies have different conditions regarding pregnancy, as a general rule most insurers offer travel insurance for any travel up until 10 weeks prior to the estimated due date of delivery. After this, there is exclusion for any claim arising from the pregnancy concerning the medical, cancellation, or curtailment sections of the policy.

How can I claim?

You will have to complete the travel insurance claim form then contact our Claims Team.

Claim requests can now be made online in just a few quick and simple steps. Alternatively, you can contact us on 800 LINKSIB or info@linksib.com and speak to one of our dedicated claims advisors.

Do I have to carry a copy of my insurance certificate with me when traveling?

No, you don’t need to carry a copy of the insurance certificate. You only need your insurance policy number provided to you.

Are hazardous activities covered under my travel insurance?

Yes, you can choose to opt for additional covers such as Extreme Adventure Sports Extension, Winter Sports Extension, Golf Extension, and Terrorism Extension.

Is skiing covered under my policy?

Yes, please ensure that you select Winter Sports Extension.

Is scuba diving covered under my policy?

Individuals are protected against accidents and mishaps provided you are with an instructor, you have a diving license and you are diving no deeper than 30m.

Is terrorism covered under my policy?

Yes, please ensure that you select Terrorism Extension.

How long is the claim processing time?

The claim processing time is between 7 to 14 working days.

What should I do if my insurance certificate is lost?

Please contact us so we can provide you with a replacement certificate.

Can I cancel my trip for any reason and get all my money back through the trip cancellation benefit?

The Trip Cancellation benefit is only applicable for illness or death involving you, your travel companion and/or an immediate family member. Pre-existing medical conditions and injuries are not covered.

Can I claim under my Travel Insurance for a trip cancelled due to the risk of terrorism?

Need to double check if it is covered under the terrorism extension.

Does my Baggage and Personal Effects benefit cover theft?

Yes, your travel insurance policy covers theft and damage due to attempted theft as long as it occurs during your travel.

If I require treatment for an illness during my trip, can I claim for medical/hospital and other related expenses?

Yes, your travel insurance policy covers emergency medical illness expenses. This can be claimed as a covered illness in your policy.

What happens if I have a medical emergency or other travel related problems abroad?

Please ensure to take with you the insurers emergency contact details, the insurers are accessible 24/7.

For any outpatient treatment, please retain all original receipts and claim them on your return to your country of residence.

How will my outpatient medical expenses be paid under Travel Guard?

The medical bills will be reimbursed to you, please refer to the policy terms and conditions for the limits applicable.