Vehicle insurance is almost 70% of the Gulf Union's business portfolio.

We provide motor insurances for Individual & corporate as well. Corporate/Fleet policy is introduced to provide insurance cover for fleet/ corporate vehicles. We offer 5 types of covers to choose from to meet every customer need:

  1. Gold    : For up to 3 years old vehicle 
  2. Pearl    : For up to 5 years old vehicle
  3. Silver   : For up to 8 years old vehicle
  4. Silver Plus: For up to 15 years old vehicle
  5. Bronze :  For Third Party only

Salient features of Motor Insurance Policy

Under Gold Cover the following advantages are available:

  1. Dealer/Agents Repairs with new spare parts for upto 3 years of the age of the vehicle (only for Private Cars)
  2. New for old for up to 12 months in case of total loss
  3. Personal effects for BD 75
  4. Excess to be waived if the insured is ready to repair in Non Agency Garages
  5. No Claim Bonus protection in case of Windscreen Damage claim upto BD 100
     

Under Pearl Cover the following advantages are available:

  1. Agent type repair with New Parts and Guaranteed Repairs for up to 5 years of the age of the vehicle (only for Private Cars)
  2. Agent type Repairs for up to 5 years of the age of the vehicle (only for Private Cars) if they are continuously insured with us, Agent type repairs in any of the Six Modern Workshops as under
    KBSC(Toyota, Lexus)

    YK Almoayyed(Nissan, Ford, Infinity, Foton)

    A . Bin Hindi( KIA)
    Ahmed Zayani & Sons(Dodge, Jeep, Skoda, Chrysler, Bentley) National Motors Co(Honda, GMC, Cadillac, Chevrolet) Body Works(Hyundai, Mitsubishi)
  3. New for old for up to 12 months in case of total loss based on market valuation
  4. No Depreciation Chargeable.
  5. Personal effects for BD 75.
  6. No Claim Bonus protection in case of Windscreen Damage claim up to BD 100.
  7. Excess to be waived if the insured is ready to repair in Gulf Union Garage (GUARC) at Sitra.


Under Silver Cover the following advantages are available:

  1. High quality repair with 2 nd Hand Original and New type Parts and Guaranteed Repairs for upto 8 years of the age of the vehicle (only for Private Cars)
  2. All accident Repairs to be done at our newly reconditioned Workshop , GUARC at Sitra.
  3. No Depreciation Chargeable.
  4. Personal effects for BD 75.
  5. No Claim Bonus protection in case of Windscreen Damage claim upto BD 100.
The key features of Silver Plus polices are:  

High-quality insurance product for private cars that provides comprehensive benefits with built-in 5 days Car Replacement and 24X7 Roadside assistance for well-maintained and good condition old vehicles for up to 15 years old and it fulfills the requirements of the Laws of the Kingdom of Bahrain.


Under Silver Plus Cover the following advantages are available:

  1. Guaranteed Repairs in Case of Insured Fault at Gulf Union Garage /Workshop at any one of the following with Original Spare parts from Agents & Guaranteed Repairs
  2. Second-Hand Originals or Similar In case of New Parts from Agency deprecation applicable as per BIA and to be payable by insured
  3. 05(Five) Days Car Replacement & 24X7 Road Assist.
  4. No Claims Discount on Renewal.
  5. Personal effects for BD 100.

Benefits on other motor policies

  • Competitive prices. 
  • Special discounts for you and your family members.
  • "No Claim Discount" is applicable to cars owned by spouse.
  • Unlimited Third Party Liability in respect of death or injury.
  • Third Party property damage up to BD.500,000/-
  • Personal Accident to driver and the passenger (within the Kingdom of Bahrain).
  • 24X7 Road side Assistance services during travel at payment of additional premium.
  • Car replacement in case of car accident up to 7 days at payment of additional premium.
  • Assistance in case of flat tyre, out of fuel, locking out and dead battery whilst on the road
  • Repair at Gulf Union Automotive Repair Centre (workshop facilities).
  • GCC Cover at additional premium.


Gulf Union Automotive Repair Centre (workshop facilities) is a division of Gulf Union Insurance & Reinsurance Company BSC(c) and was established in 1999. The facility employs more than 50 skilled technicians and capable of extensive repair works, including panel beating, chassis repairs and mechanical and electrical repairs and equipped with three modern paint spray booths.

The workshop covers an approximate area of 4,200 sq. m. and it accepts all types of vehicles from light saloon cars up to heavy commercial trucks.

The workshop repairs an average between 350 to 400 vehicles a month and is considered among the large repair centres in the Kingdom of Bahrain.

It is equipped with all the necessary tools to carry out all works, commencing from accident inspection up to the final delivery of repaired vehicles to customers, giving them high quality repairs, and satisfaction.

Claims administration

The company has a service level agreement for administration of claims with Gulf Electronic Management Systems W.L.L. (GEMS), the first TPA Company licensed in Bahrain. Details about the TPA Company can be found on their website.

http://www.gemstpa.com

For Claims related query please contact Motor Claims department on 80044367.

More about Motor Insurance Policy