Motor

What are the policies available for covering the vehicles?

There are two policies: Motor Liability Only Policy and Motor Comprehensive Policy.

Is it mandatory to have insurance for plying vehicles on the public place?

As per the laws of Bahrain  it is mandatory to have Motor Liability only Policy for covering Third Party.

What is covered under Liability Only Policy?

Owners' liability towards Third Party Personal Injury and Property Damage.

What does Motor Package Policy Cover?

This type of policy covers all the risks covered under Motor Liability policy plus loss or damage caused to the vehicle due to:
Accident, Fire, Explosion, Self Ignition, Lighting, Burglary, House Breaking, Theft, Riots & Strikes, Earthquakes, Flood, Typhoon, Hurricane, Storm, Cyclones, Malicious Acts,  Transit by rail/road, air and waterways and also include  Windshield Damage &towing charges.

What are the exclusions under Package Policy?

Damage caused due to:
Driver being under intoxication, Vehicle being driven by a person not holding an effective valid license, Damage to tyres (unless the vehicle is damaged at the same time),Wear and tear and mechanical breakdown damages.

What are documents required at the time of claim?

Copy of claim intimation given to insurer with CPR, Police Report, duly filled Claim Form, Driving License, Registration Certificate of Vehicle

Can the amount be paid directly to the repairer?

Yes –after the claim intimation, the company surveyor surveys the damages and submits a report to the company, based on which depending upon the age of the vehicle an Approved Garage is selected for repairs.
For vehicles which are upto 3 years old agency repairs are allowed. However vehicles which are more than 3 years old are repaired outside Agency but in approved garages.
If the claimant wishes to repair his more than 3 year Vehicle at the agency then he has to bear the depreciation for parts and labour as per schedule fixed by the BIA

What is the amount I have to bear?

Compulsory excess, and depreciation wherever applicable

What is "No Claim Bonus"?

It is a special discount given on premium for every claim-free year.

 
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