FAQ's

An insurance broker works on behalf of the client and acts as a professionally trained personal advisor on insurance matters. Brokers provide expert, unbiased advice for your individual needs. We Want to ensure that you, your family, your business and your possessions are properly protected in order to provide you with peace of mind. A broker’s job doesn’t finish at the point of selling a policy; your broker will explain coverage’s, help you to any amendments to the policies that may be required, guide you through the claims process, and help you to ensure a swift and fair settlement by your insurance company.

Your insurance premiums do not change if you use an insurance broker because a broker is compensated by the Insurance company, not the client. In fact, broker pricing is often better than direct insurers. Since brokers work with numerous insurance companies, they have access to more markets to shop around the best price.

Brokers give advice and assist you in compiling and submitting your claim to the insurer. They arrange for a claim form to be completed by you, monitor the claim process and liaise between you and the insurer to bring it to a successful resolution.

Absolutely, using an insurance broker takes away the guesswork for the client. As experts in the field, your broker will be able to guide you to the proper products that you need, make the necessary changes to your policy, and answer your questions quickly and accurately. You will especially notice this when you have an issue which is less common, particularly in the policy life cycle.

Insurance rates or premiums are based on risk and exposure. Risk refers to the likelihood of a loss, while exposure refers to the impact of a loss . Insurance companies use statistics to measure these factors, along with individual factors such locations, age, value, among others.

Your comprehensive car insurance policy covers you against loss, damage and third – party liability. You are also protected against; damage to your motor vehicle due to accidental collision, overturning, fire, external explosion, self-ignition, theft or malicious act unless specifically excluded. Accrued legal liability and agree costs and expenses against third party bodily injury/ property damage arising out of use of motor vehicles unless specifically excluded.

This is the most basic cover and is compulsory as per the QATAR Law, Third – party liability covers you against; Death or bodily injury to any third party / person. Damages to third party property arising out of the use of your motor vehicle. More importantly, this policy does not cover any damage or loss to your own vehicle.

Vehicle Premium is a rate on the current depreciated Market Value of any vehicle. Market value can be discussed with our sales agents for further explanations. Third Party Legal Liability premium is as per the tariff fixed by the Government authorities based on number of cylinder capacity.

Your Policy is for 12 Months (365 days) unless a different period of insurance was agreed with you specifically.

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