Motor Insurance

Zain Insurance Company provides appropriate insurance coverage for all types of vehicles, including broad and comprehensive protection.

Private Vehicle Insurance Policy

Whereas the Insured has submitted a proposal and declaration to the Company, which shall be the basis of this contract and an integral part thereof; and if the Insured has paid (or agreed to pay) the premium in consideration for this insurance, this policy stipulates that—subject to the terms, conditions, and exceptions contained herein or endorsed hereon (collectively referred to as the Policy Provisions) regarding events occurring during the insurance period—the Company undertakes the following:

Section I: Loss or Damage

  1. The Company shall indemnify the Insured for any loss or damage to the vehicle, its accessories, and spare parts caused by:

a. Accidental collision or overturning, including those resulting from mechanical failure or wear and tear.

b. Fire, external explosion, self-ignition, lightning, burglary, or theft.

c. Malicious acts committed by a third party (not the Insured).

d. Transit by land, rail, inland waterways, elevators, or lifting machinery (including associated loading and unloading).

e. Falling or flying objects.

  1. The Company has the right, at its own option, to pay the amount of loss or damage in cash, or to repair, reinstate the vehicle or any part of it or its accessories or spare parts to its previous condition, or to replace them. The Company’s liability is limited to the value of the lost or damaged parts plus the appropriate installation cost. The estimated value provided by the Insured in the schedule is the maximum limit the Company pays for any claim for loss or damage.
  2. When the vehicle breaks down due to loss or damage covered by this policy, the Company shall bear, within the limits of its obligations, the appropriate expenses for its protection and transport to the nearest repairer and then delivery within the country where the loss or damage occurred.

In the event of a total loss of the insured vehicle, the Company shall be responsible for the market value of the vehicle, not exceeding the declared value of the damaged vehicle.

In the event that the insured vehicle breaks down under the current contract as a result of the loss or damage included in this contract, the Company shall bear, according to the limits of liability specified in this contract, the reasonable expenses for guarding and transporting this vehicle to the nearest repair workshop and the delivery expenses within the country where the loss or damage occurred.

a. That the estimated cost of this repair does not exceed (the allowed repair amount).

b. That a detailed, signed, and stamped statement of the cost is submitted to the Company without any delay, along with photos.

Section One Exclusions:

The Company shall not be responsible for compensating the following:

  1. Consequential loss, depreciation, wear and tear, and mechanical or electrical breakdown, malfunction, or breakage.
  2. Damage resulting from the explosion of any boiler forming part of the vehicle, attached to it, or on it.
  3. Damage resulting from loading the vehicle beyond its normal capacity.
  4. Damage to tires by virtue of their use, contact with the ground, and collision with sharp or bruising materials that may be on the road, or due to the use of brakes, tire puncture, cutting, or spontaneous explosion; the burden of proving otherwise falls on the Insured.
  5. Damage resulting from the impact of the vehicle’s load against its body.

Section Two – Liability Toward Third Parties:

  1. The Company is committed, within the limits of its liability, to compensate the Insured in the event of an accident caused by the use of the vehicle, or resulting from it, or related to its loading or unloading, for all amounts, including the expenses and costs of every claimant for damage incurred by the Insured toward third parties regarding damage to property.
  2. To achieve the purpose intended by this section, and subject to the limits of liability, the Company shall compensate any authorized driver driving the vehicle provided that the driver:
    a. Has complied with the provisions of this policy as if he were the Insured himself.
    b. Is not entitled to compensation under any other insurance policy.
  3. Upon the death of any person entitled to compensation under this section of civil liability, the Company will compensate, after observing the “limits of liability,” their successors as if they were the Insured themselves, provided they have implemented the provisions of this policy to the extent applicable.
  4. The Company pays the expenses and costs spent with its written approval.
  5. When more than one person is involved in an accident resulting in compensation under this section, the “limits of liability” apply to the total compensation amount for all these persons, and they shall have priority over the Insured in receiving the compensation.
  6. The Company has the right, at its own option, to:
    a. Arrange for representation in any inquiry or forensic autopsy related to a death that may be subject to compensation under this section.
    b. Undertake defense in courts against any act or accusation that may lead to or relate to compensation under this section.

Section Two Exclusions:

The Company shall not be responsible for:

  1. Damage caused to property belonging to or in the custody, care, or possession of the Insured or a member of his family, or transported by the vehicle.
  2. Damage caused to bridges of all types, or to any road or object beneath them, as a result of the vehicle’s vibration, weight, or the weight of its load.
  3. Damage caused to property caused by or resulting from the explosion of a boiler forming part of the vehicle, attached to it, or on it.

Section Three – Towing a Disabled Vehicle:

This policy becomes effective when the vehicle is used to tow a disabled mechanically-propelled vehicle, and the Company compensates the Insured according to the terms of Section Two regarding the liability related to the towed vehicle, provided that:

a. The vehicle is not towed for a fee.

b. The Company is not responsible under this section for damage caused to the towed vehicle or the property transported by it.

General Exclusions:

The Company shall not be responsible for paying any compensation resulting from:

  1. Loss incurred by the insured vehicle resulting from total ruin, erosion, or damage due to its use, or any mechanical or electrical damage affecting it, or any mechanical failure or breakage.
  2. Damage caused to the vehicle’s tires unless the tire damage causes damage to the vehicle at the same time.
  3. Any loss or damage caused to the vehicle as a result of its use outside the geographical area specified in the policy.
  4. While the vehicle covered under this policy is:
    a. Used for purposes other than those specified in the “limitations of use.”
    b. Leased, or used in races and speed trials, or used for transporting goods (unless the vehicle is prepared for transporting goods), or if it is transporting passengers (unless it is a taxi).
    c. Driven or prepared for driving purposes by or in the custody of any person other than the “authorized driver,” or someone unqualified to drive according to local traffic regulations, or someone prohibited from driving by government direction for any reason, or under the influence of drugs or alcohol.
    d. Transporting an unauthorized number of passengers/goods that exceeds the number allowed by the competent authorities.
    e. Being towed or lifted on/by another vehicle.
  5. Any accident, loss, damage, or liability (except to the extent necessary to meet the requirements of the law) caused by, attributed to, arising from, or related directly or indirectly to invasion, acts of foreign enemies, aggression, military operations (whether war is declared or not), civil war, strike, civil unrest, riot, rebellion, disobedience, revolution, conspiracy, military force, usurped power, and all direct or indirect consequences resulting from these events.
  6. Any accident, loss, damage, or liability (except to the extent necessary to meet the requirements of the law) caused by, attributed to, arising from, or related directly or indirectly to floods, storms, hurricanes, cyclones, volcanic eruptions, earthquakes, and other natural disturbances.
  7. The Company does not cover damage resulting from lightning and fire during the insurance period unless it has been agreed under this policy to cover these risks in exchange for the Insured having paid the insurance premium; then the Company shall be responsible for payment according to the value of the damage, provided it does not exceed the amount specified in the policy for each coverage or for the total insurance amounts.
  8. Alcohol and Drugs Clause: The Company shall not be responsible for any accident, loss, or damage to the insured vehicle, or any liability that may arise while the vehicle mentioned in the policy schedule is being driven by a person under the influence of alcohol or drugs.

Conditions:

  1. The Policy and its Schedule constitute a single contract, and every word or phrase given a special meaning in any part of the Policy or the Schedule shall have the same meaning wherever it appears.
  2. When claiming any compensation under this policy, the Insured must prove that the accident, loss, damage, or liability occurred independently of these events and has no relationship with them, was not caused by any of the events, and did not contribute to or was attributed to them; otherwise, the Company will not pay compensation.
  3. All notices and communications required by this policy must be submitted in writing to the Company.
  4. The Insured must take appropriate measures to protect the vehicle from loss and damage and keep it in good condition. The Company has the right at all times to inspect the vehicle or any part of it, or any driver or employee of the Insured.
  5. The vehicle must not be left when exposed to an accident or breakdown without taking appropriate precautions to prevent any further loss or damage. If the vehicles are used before carrying out the necessary repairs, any increase in damage to the vehicle or any other damages shall be excluded from compensation under this policy.
  6. Upon the occurrence of an event that may give rise to a claim for compensation under this policy, the Insured must inform the Company as soon as possible (24-72 hours) and provide full details related to it. He must also inform the Company or send it every letter, claim, legal notification, or summons as soon as he receives it, and he must notify the Company of all pending lawsuits, as well as forensic investigations and inquiries related to the accident as soon as he becomes aware of them.
  7. In the case of theft or any other criminal act that may give rise to a claim for compensation under this policy, the Insured must inform the police departments immediately and cooperate with the Company in ensuring the conviction of the perpetrator.
  8. The Insured or his representative may not make any admission, offer, promise, or payment without the written consent of the Company, which may directly undertake the defense in the name of the Insured and the settlement of any claim, and shall have the right of subrogation in the name of the Insured and for its own benefit regarding all compensations, indemnities, and the like. It shall have full freedom in conducting any lawsuit or settling any compensation, and the Insured must provide the assistance and data that the Company may request from him.
  9. The Company may at any time, and after the occurrence of an accident that may result in a claim or set of claims under Section Two, paragraph (1) of this policy, pay the full amount of its liability under this section and then cease to conduct any defense, settlement, or litigation, and the Company shall not be responsible for any damage claimed to have occurred to the Insured as a result of what is alleged the Company has done in terms of acts or omitted in terms of defense, settlement, and litigation matters, nor shall it be responsible for the damages resulting from its cessation thereof. Likewise, the Company shall not be responsible for expenses and costs of any kind incurred by the Insured or any claimant for compensation or any other person after the Company has ceased to conduct these matters.
  10. The Insured may terminate the insurance at any time based on a seven-day written notice from the date the Company receives this notice, and the Company in this case retains the usual premium according to short-period rates for the period the insurance was in effect.
  11. The Insured may request to terminate the insurance for reasons beyond his control, and in this case, the return premium is calculated according to the pro-rata rule.
  12. The Company also has the right to terminate the insurance at any time with a fifteen-day notice from the date the Insured receives this notice, and in this case, the Company returns a pro-rata part of the insurance premium for the remaining period starting from the date of termination.
  13. The Insured is not entitled to any return premium in the event of termination of the insurance for any reason after receiving any compensation under the policy during the current insurance period.
  14. If there is other insurance at the time of the claim for compensation covering the same loss, damage, or liability, the Company shall not be responsible for payment regarding the loss, damage, compensation, costs, or expenses, or contribute more than its proportional share. However, this condition should not make the Company responsible for what it would have been exempt from under Section Two (paragraph 2-b) of this policy.
  15. Compliance by the Insured with the provisions of this policy and his implementation of its conditions to the extent that it is his responsibility to perform or refrain from them, as well as the correctness of the data and answers contained in the insurance proposal, are considered necessary and precedent conditions to the Company’s liability for paying any amount under this policy.
  16. Loss Forfeiture of All Compensations:
    It is understood and agreed that, despite any contrary provision in Sections One and Two of this policy, the Insured shall be responsible for every accident (or any incurred expenses) covered by this policy (including any payments regarding costs or expenses) and any expenses the Company decides to pay.
    If the expenses paid by the Company include the amount for which the Insured is responsible according to the terms of this policy, the Insured is committed to returning such amount to the Company. For the purpose of this condition, the term “accident” means a single accident or a series of accidents resulting from one cause regarding any vehicle and according to the provisions of this policy.
  17. The Company shall not be responsible for any damages or amounts incurred under Sections One and Two of this policy resulting from gross negligence committed by the Insured or the authorized driver; any provision in the policy that contradicts this is considered null and void.
  18. Driving License Clause:
    It is necessary for the validity of compensation under this policy that the driver of the vehicle holds a local or international driving license, provided it is not withdrawn or canceled at the time of the accident.
  19. This policy is subject to the attached arbitration terms, which are part of it.

Arbitration Clause

If any dispute arises from this policy, the Company must immediately notify the Insured in writing of his right to refer the difference to arbitration. This difference shall be referred to the decision of an arbitrator appointed in writing by the two disputing parties, or if they cannot agree on a single arbitrator, to the decision of two arbitrators, one appointed in writing by each party within one calendar month after being requested in writing to do so. In the event the arbitrators do not agree on a specific judgment, an umpire shall be appointed in writing by the arbitrators before entering upon the reference. The umpire shall sit with the arbitrators and preside over their sessions, and the issuance of an award shall be a condition precedent to any right of action against the Company.