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COMPREHENSIVE (Shaamil) Insurance
Coverage Overview:
- Covers YOUR vehicle + damage to OTHERS
- Methaq handles your claim regardless of who’s at fault
- Customer files with Methaq even if not at fault
- Higher premium cost but complete protection
Key Benefits Include:
- ✓ Your own vehicle repairs (any damage, any fault situation)
- ✓ Third party bodily injuries and property damage
- ✓ Theft and fire protection
- ✓ Personal accident coverage for driver and family
- ✓ Passenger accident coverage
- ✓ 24/7 roadside assistance
- ✓ Replacement car during repairs
- ✓ Windshield damage excess waiver
- ✓ Personal belongings protection
- ✓ Ambulance services
- ✓ Agency repair services at authorized dealers
- ✓ War, terrorism, and riot protection
THIRD-PARTY (Against Others) Insurance
Coverage Overview:
- Covers ONLY damage YOU cause to OTHERS
- Does NOT cover YOUR vehicle
- Meets UAE mandatory insurance requirements
- If someone hits you, you claim from THEIR insurance, not Methaq
- Lower premium cost – basic protection
Key Benefits Include:
- ✓ Third party bodily injuries coverage
- ✓ Third party property damage
- ✓ Legal liability protection
- ✓ Ambulance services
- ✓ 24/7 roadside assistance
- ✓ Optional personal accident benefits (add-on)
Important Limitations:
- ✗ Does NOT repair your own vehicle
- ✗ No theft protection for your vehicle
- ✗ No fire damage coverage for your vehicle
- ✗ No coverage for damage to your personal property
Simple Way to Remember:
Comprehensive = Everything covered (your car + others)
Third-Party = Only others covered (not your car)
If you’re at fault with Third-Party insurance, Methaq fixes the OTHER person’s car, but NOT yours. You pay for your own repairs.