Salient Features of Motor Insurance Policy

Salient features of various Gulf Union Insurance private car motor comprehensive policies

#	Benefits	Gold Cover	Pearl Cover	Silver Cover	Silver Plus
1	Sum Insured Range	≤ 20,000 BD \| > 20,000 BD	≤ 20,000 BD \| > 20,000 BD	≤ 20,000 BD \| > 20,000 BD	Up to 10,000 BD
2	Type of Vehicles (Excluding Sports/Coupe)	Private Cars Only	Private Cars Only	Private Cars Only	Private Cars Only
3	Age of Vehicle from the registration date	Up to 3 Years of age only	4 to 5 Years of age only	Up to 8 Years of age only	8-15 Years of age only
4	No of doors of cars	4 doors	4 doors	4 doors	4 doors
5	Use of cars	Private/Non-sports/Non-commercial	Private/Non-sports/Non-commercial	Private/Non-sports/Non-commercial	Private/Non-sports/Non-commercial
6	Depreciation on parts	NIL	NIL	As per CBB	As per CBB
7	Policy excess to be borne at time of claim	50 BD \| 100 BD	50 BD \| 100 BD	50 BD \| 100 BD	50 BD
8	Can policy excess be waived at time of OD claim?	Yes. If you so desire to have the car repaired in Gulf Union Workshop (GUARC)	Yes. If you so desire to have the car repaired in Gulf Union Workshop (GUARC)	No	No
9	Additional policy excess for inknown accident	100 BD \| 100 BD	100 BD \| 100 BD	100 BD \| 100 BD	100 BD
10	Young driver additional excess applicable for all (≤ 21 years/1 year driving experience)	50 BD \| 100 BD	50 BD \| 100 BD	50 BD \| 100 BD	50 BD
11	Loss or damage to the insured vehicle (own damage)	YES	YES	YES	YES
12	T. P Liability (Loss/Damage to the TP vehicles)	YES	YES	YES	YES
13	Third-Party property damage	YES	YES	YES	YES
14	Fire & theft cover	YES	YES	YES	YES
15	Geographical location of coverage	Bahrain	Bahrain	Bahrain	Bahrain
16	No claims discount on renewal	YES	YES	YES	YES
17	Guaranteed repairs in case of insured fault	YES Dealer/Agents	** YES, at any one of the following class B Garages/Workshops with original spare parts from agents & guaranteed repairs: • KBSC (Toyota, lexus & other non-franchise cars) • YK Almoayyed & sons (Nissan, Ford, Infinity, Renault & other Non-Franchise cars) • A.Bin Hindi (KIA & other Non-Franchise cars) • Ahmed Zayani & sons (Dodge, Chevorlet, Jeep, other Non-Franchise cars) • National Motors Co (Honda, GMC, & other Non-Franchise cars) • Body Works Co. (Hyundai, Mitsubishi & Non-Franchise cars) • GUARC or similar	Yes, repairs at: Gulf Union Automotive Repait Center, (GUARC) Building 195, Road, 4904, Area 949, East Riffa, Kingdom of Bahrain	Yes, repairs at: Gulf Union Automotive Repait Center, (GUARC) Building 195, Road, 4904, Area 949, East Riffa, Kingdom of Bahrain
18	Guaranteed repairs in case of TP fault	YES Dealer/Agents	Yes from class B garages/non-agents as above	Yes from non-agency as above	Yes from non-agency as above
19	Spare parts allowed	New from agents	New from agents	Second-Hand originals or similar. In case of new parts from agency deprecation applicable as per CBB and to be payable by insured	Second-Hand originals or similar. In case of new parts from agency deprecation applicable as per CBB and to be payable by insured
20	Cover for wind screen damage	Up to 300 BD/-	Up to 300 BD/-	Up to 300 BD/-	Up to 300 BD/-
21	Personal Injury cover to the insured	1,000 BD/-(Capital sum insured)	1,000 BD/-(Capital sum insured)	1,000 BD/-(Capital sum insured)	1,000 BD/-(Capital sum insured)
22	Emergency accident medical expenses payable to insured	Up to 100 BD/-	Up to 100 BD/-	Up to 100 BD/-	Up to 100 BD/-
23	Personal Belongings of the insured	Up to 100 BD/-	Up to 100 BD/-	Up to 100 BD/-	Up to 100 BD/-
24	SRCC* (Excl. Sabotage & Terrorism)	YES at 15 BD/-Extra	YES at 15 BD/-Extra	YES at 15 BD/-Extra	YES at 15 BD/-Extra
25	GCC* Cover for own damage only	YES at 100 BD/-Extra	YES at 100 BD/-Extra	YES at 100 BD/-Extra	YES at 100 BD/-Extra
26	Car replacement* & 24×7 Road assist	08 Days. 20 BD/-*For other options please contact our office)	08 Days. 20 BD/-*For other options please contact our office)	08 Days. 20 BD/-*For other options please contact our office)	5 Days. Inbuilt and covered.