Policy document
Unified Motor Vehicle Insurance Policy Against Loss and Damage
What this page coversFind the current version of the unified Loss and Damage policy and how a few of its clauses read.
The UAE unified form for damage to the insured vehicle, issued under Insurance Authority Decision 25 of 2016. Version 2, consolidated to 18 January 2021.
Document record
- Insurer
- CBUAE Rulebook
- Product
- Unified Motor Vehicle Insurance Policy Against Loss and Damage
- Type
- Unified policy form
- Version
- v2 consolidated 2021-01-18
- Effective
- 1 Jan 2017
- Last checked
- 4 Nov 2026
Notes on this document
This record points to the Loss and Damage form on the CBUAE Rulebook. It is not a copy of the document.1 The Rulebook shows the form as effective from 1 January 2017, status In-Force, amended by Decision 42 of 2017 and Resolution 26 of 2020, with version 2 consolidated as of 18 January 2021.
The clause readings on this page are short paraphrases at that version. The Arabic text reads the same on the natural disaster wording and on battery and hybrid.2 A named insurer’s schedule and riders can add to this form. The unified policy guide sets this form beside the Third Party Liability form, topic by topic.
Clauses read so far
| Question and reading | Status | Source | Effective | Last checked |
|---|---|---|---|---|
| Are natural disasters such as floods excluded?1Excludes accidents related directly or indirectly to natural disasters such as floods. The exclusion does not repeat the decision wording in the definition. | Explicitly excluded | Chapter Four, exclusion 09CBUAE Rulebook, Unified Loss and Damage policyv2 consolidated 2021-01-18 | 1 Jan 2017 | 4 Nov 2026 |
Does the Natural Disaster definition depend on a decision?1and in respect of which a decision is issued by the concerned authority in the country | Conditional | DefinitionsCBUAE Rulebook, Unified Loss and Damage policyv2 consolidated 2021-01-18 | 1 Jan 2017 | 4 Nov 2026 |
| Is damage off the road covered?1Excluded unless a rider extends cover to driving outside the road. | Conditional | Chapter Four, exclusion 12CBUAE Rulebook, Unified Loss and Damage policyv2 consolidated 2021-01-18 | 1 Jan 2017 | 4 Nov 2026 |
| Is damage outside the UAE covered?1Excluded outside the policy territory unless a rider extends cover. | Conditional | Chapter Four, exclusion 08CBUAE Rulebook, Unified Loss and Damage policyv2 consolidated 2021-01-18 | 1 Jan 2017 | 4 Nov 2026 |
| Is agency repair provided?1After the first three years of use, the insurer may agree a request made at contract and set a premium up to the tariff maximum. The first three years are not addressed. | Conditional | Chapter Two, para 9CBUAE Rulebook, Unified Loss and Damage policyv2 consolidated 2021-01-18 | 1 Jan 2017 | 4 Nov 2026 |
| Can the insured cancel during the term?1On seven days' written notice, with a short-rate refund subject to a claims condition. | Conditional | Chapter Six, para 2, and Schedule 4CBUAE Rulebook, Unified Loss and Damage policyv2 consolidated 2021-01-18 | 1 Jan 2017 | 4 Nov 2026 |
| Does the form mention batteries?1The form does not mention battery or hybrid. Not stated does not mean excluded. | Not stated in the documents | Clause UNKNOWNCBUAE Rulebook, Unified Loss and Damage policyv2 consolidated 2021-01-18 | UNKNOWN | 4 Nov 2026 |
Readings are paraphrased unless set as a quotation.
Sources
2
1CBUAE Rulebook, The Unified Motor Vehicle Insurance Policy Against Loss and Damage, v2 consolidated 2021-01-18. Effective 1 Jan 2017. Last checked 4 Nov 2026. Source document: The Unified Motor Vehicle Insurance Policy Against Loss and Damage
2CBUAE Rulebook, Arabic text of the Unified Motor Vehicle Insurance Policy Against Loss and Damage. Last checked 4 Nov 2026. Source document: Arabic text of the Unified Motor Vehicle Insurance Policy Against Loss and Damage
- Owner
- Carinsurance.ae research team
- Last review
- Next review due
- 3 May 2027
- Status
- Published