+973 17255292
# | 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. |
* Cover is applicable only if specifically stated on your policy schedule and you have pain an additional premium.
** The above class B garages are standard garages who can repair cars of their make as well as other franchise as well.
Building 331, Road 5616, Block 356, Salihiya, Kingdom of Bahrain. P.O. Box 10949.
200000845400002
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200000845400002
An Insurance Firm Regulated by CBB. Copyright © 2022 Gulf Union Bahrain All rights reserved.