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Oman Insurance Company Car Insurance Review

Oman Car Insurance Overview

The Oman Insurance Company’s success is built on a smart combination of the latest digital tech and good old-fashioned insurance broking. They have grown to become one of the largest insurance companies in the Gulf region, and now have offices in Oman, Qatar, and a subsidiary in Turkey, as well 12 branches as in the UAE.

Consumers can buy health, travel, life and home insurance, as well as car insurance. Oman Insurance also offers motor fleet insurance for businesses, if you have a fleet of cars or run a commercial truck or trucks.

Oman Insurance was founded in 1975, and since 2018 the CEO is the Belgian Jean-Louis Laurent Josi, who was previously CEO of AXA Asia. With revenue of $1 billion and 650 employees (according to ZoomInfo), the company has plans to expand further. In March 2020 it was reported that Oman Insurance was considering bidding for the Middle Eastern operations of the French insurance giant AXA.

Oman Car Insurance Contact Details

Opening Hours

08:00am to 05:00pm, Saturday – Thursday

Dubai (Head Office)

Al Maktoum Street

Al Maktoum Building Number 24

Deira, P.O. Box 5209

Dubai, UAE

+971 4 233 7777

[email protected]

Bur Dubai

Al Mankhool Area

Kuwait Street, Corporate Centre

Ground Floor

Opposite Aster Maternity Hospital

Bur Dubai, P.O. Box 31546

Dubai, UAE

+971 4 703 1000

Fax: +971 4 398 1987

Sheikh Zayed Road

Gold and Diamond Park,

Building Number 5,

Ground Floor R5, Shop 019,

Landmark: Near FAB Metro Station on Sheikh Zayed Road,

Dubai, UAE

+971 4 233 7777

Why buy Oman Car Insurance?

Oman Insurance has more than 100,000 drivers using their motor insurance. As well as having probably more offices than any other UAE insurance company, Oman Insurance offers a network of A-rated garages and agency partnerships, and dedicated insurance for luxury cars.

All motorists in the UAE must have third-party insurance in order to legally drive in the country. The Oman Insurance third-party plan protects you against any liabilities to the person or property of a third party in the event of an accident where you are found to be at fault. This covers bodily injury as set by the UAE court, third party property damage up to AED 3,000,000, ambulance cover up to AED 6,770. If you want a little extra cover without opting for comprehensive cover, there are some added extras, which include personal accident benefit to the driver and passengers both up to AED 200,000, and roadside assistance.

Comprehensive cover offers third party property damage up to AED 3,500,000, personal accident for driver and passengers up to AED 200,000, emergency medical expenses up to AED 5,000 per person, agency repairs for up to three years, personal injury for driver and spouse while embarking/disembarking from the vehicle up to AED 30,000, personal belongings covered up to AED 5,000 per year, driving in Oman (although excess is doubled), emergency roadside assistance (24-7), courtesy car cash benefit (7-day maximum), windscreen cover up to AED 3,000 (no excess), coverage for natural disasters and strikes, riots, and civil commotions (SRCC), off-road for vehicles with that capability, valet parking theft.

With more than 1450 members of their Privilege Club, Oman Insurance insures more luxury cars than any other company in the UAE. Premium vehicle or high net worth motor cover is for vehicles worth more than AED 500,000. Customers receive very high limits on their cover, access to a special claims process and special discounted rates on any other cars that you or your spouse may own that are worth less than AED 500,000. 

Oman Insurance Premier Cover includes five years of agency repairs (extendable), ambulance cover up to AED 6,000, emergency medical expenses up to AED 5,000, personal injury up to AED 30,000, personal belongings up to AED 5,000, comprehensive roadside assistance, windscreen damage up to AED 10,000 (with no excess), loss of use allowance up to AED 300 per day, lock replacement up to AED 3,000, 12-month GAP, options included European cover and track day cover for select clients, luxury courtesy vehicle, impressive cover with high limits, dedicated claims and repairs team on a unique contact number, third-party property damage up to AED 5,000,000, coverage for all your other cars, natural disasters, and valet parking theft up to the sum insured.

Oman Insurance is the only company in the UAE (that we know of) that offers a special insurance package for Tesla cars. Developed in partnership with Tesla UAE, the InsureMyTesla package includes full access to dedicated Tesla professionals and coverage for your charger, paintless dent repairs, tire and rim repairs, high liability limits, five years of agency repairs, third-party property damage up to AED 5,000,000, loss or damage of vehicle up to the sum insured, ambulance cover up to AED 6,770, courtesy car up to AED 10,000, off-road cover for 4WD, personal accident for passenger and drivers up to AED 200,000, emergency medical expenses up to AED 5,000, personal injury up to AED 30,000, Platinum Plan roadside assistance, the option of coverage in Oman and Qatar, natural disaster up to the sum insured, personal belongings up to AED 5,000, windscreen damage up to AED 10,000 (no excess), lock replacement up to AED 3,000, and 12-month GAP.

Value Added Extras

Not only does Oman Insurance have a large portfolio of car insurance products, but the company also has first-rate services in both the digital and bricks-and-mortar realm. 

They have 700 professionals ready to serve you, offices in all the Emirates, and a network of 12 partner garages. If you prefer use the web, you’ll get a 10% discount if you buy your policy online. The company’s focus on online convenience has led to the creation of 25 digital services, with more in the pipeline. 

One great example is the AssistPal app, which allows you to request roadside assistance in an emergency. Then there’s their new digital claims system that reduced the time it takes to process claims by 50%, which was launched in the summer of 2020. So, perhaps it’s no wonder that they have 86% customer satisfaction. 

Call 800 47 46 for Oman Insurance to arrange for your vehicle to be towed.

Oman Insurance Claims Process

Before you make you claim you need to have the five following documents to hand:

  1. Insurance policy number 
  2. Driver’s license
  3. Copy of your car registration card (or Mulkiya)
  4. Police report and police report reference number
  5. Copy of your Emirates ID card

The fastest way to make a claim at Oman Insurance is through their online claims portal, which also contains downloadable guides for making a claim, alternatively you can call 800 405 or send an email to [email protected] with the relevant documents attached.

The website downloads section has the product information about all their packages in both English and Arabic.

Oman Car Insurance FAQs

How do I get a quote from the Oman Insurance Company?

Visit their online portal for individuals where you can get a quote, retrieve a quote you have previously been given, and renew your current motor insurance.

What does GAP insurance cover?

Both Premier Cover and InsureMyTesla from Oman Insurance include GAP insurance coverage. This is an acronym that stands for Guaranteed Asset Protection; it protects car owners when their standard insurance payout, which is known as ‘total loss payment’, does not cover the full value of the car.

GAP covers motorists who have bought a new car, because a great deal of the value of the vehicle is lost within the first few months, up to a year, of ownership. This means that if the car is stolen or written off in those first months, the owner will still be paid the full value of the car and not just, for instance, 60% which would usually be paid out in a ‘total loss payment’.

Do I have to make a claim if it is not my fault?

If you have been involved in an accident and it is not your fault, you do not have to pay to make a claim. However, if it was your fault, then you have to pay the excess.

I am moving to a different emirate, will I still be covered?

Contact Oman Insurance and they will carry out the necessary paperwork to make sure you are still covered.

Are overseas visitors covered on the comprehensive insurance package?

Yes, as long as they have a valid driving license and all the relevant permissions from the local traffic department.