FAQs

The premium for car insurance is calculated as a percentage of the value of your car. If you have had any accidents, it would be factored in to the premium. If you have not had any accidents, we offer a no-claims bonus with the renewal of your policy

Also known as ‘Deductible’, the Policy Excess is the fixed amount of money that you have to pay for each and every claim you may have – the Policy Excess is there to offer you a lower overall premium for your car insurance

The premium for super-fast and exotic cars is a little higher and the policy excess (deductible) is higher too based on the fact that these cars are very expensive to repair and generally have a higher risk of accidents than normal cars

Silver Plus policyholders are covered with GCC Roadside Assistance programme, which covers Free Emergency Roadside Assistance in the UAE, Bahrain, Kuwait and Oman

You can add the “Off-Road 360” cover to your comprehensive policy for a small fee to cover damages to your vehicle (with off-road capabilities) when driven on non-paved roads like sand dunes and similar terrains

If the estimated cost of repairing your damaged car is greater than 70% of the car’s insured value, it would be considered as a total loss

QIC rewards its customers for safe driving by providing a 10% discount on your premium when you renew you comprehensive insurance

If you wish to cover your car’s fixtures (like TV, music system) etc., you can have this covered by your basic insurance by making an endorsement which would then be added to the value of your car

QIC does not provide Comprehensive insurance policies for cars which are older than five years

Repairs of your car will always be done at your car brand’s agency during the first year of its registration. Thereafter, QIC may use a workshop of comparable quality

To ensure that your car is always repaired at a workshop of the agency, you can purchase our “Agency Repair” optional cover and add it to your comprehensive insurance

The premium for motorcycle insurance is calculated as a percentage of the value of your motorcycle. If you have had any accidents, it would be factored in to the premium. If you have not had any accidents, we offer a no-claims bonus with the renewal of your policy

Also known as ‘Deductible’, the Policy Excess is the fixed amount of money that you have to pay for each and every claim you may have – the Policy Excess is there to offer you a lower overall premium for your motorcycle insurance

The premium for super-fast and exotic motorcycles is a little higher and the policy excess (deductible) is higher too based on the fact that these motorcycles are very expensive to repair and generally have a higher risk of accidents than normal motorcycles

If the estimated cost of repairing your damaged motorcycle is greater than 70% of the motorcycle’s insured value, it would be considered as a total loss

QIC rewards its customers for safe riding by providing a 10% discount on renewals

If you wish to cover your motorcycle’s fixtures (like music system) etc., you can have this covered by your basic insurance by making an endorsement which would then be added to the value of your motorcycle

QIC does not provide Comprehensive insurance policies for motorcycles which are older than five years

Repairs of your motorcycle will always be done at your motorcycle brand’s agency during the first year of its registration. Thereafter, QIC may use a workshop of comparable quality

To ensure that your motorcycle is always repaired at a workshop of the agency, you can purchase our “Agency Repair” optional cover and add it to your comprehensive insurance

The period of cover for a travel insurance ranges from one week to three months. The annual multiple cover is valid through one year (inclusive of maximum of 90 days stay per trip)

Pre-existing medical treatments are excluded from the scope of Travelcare Plus policy

Travelcare Plus covers for individuals up to the age of 70 years. A premium loading of 100% is applicable for applicants aging between 70 and 75 years. A medical certificate stating the fitness of the applicant needs to be submitted at the time of purchase of the policy

Children under the age of 18 are charged only 50% of the standard premium

To purchase a Travelcare Plus policy, the customer must either be a permanent or a temporary resident of Qatar and must have a residence or a regular place of business in Qatar. We have inbound travel insurance product “Travelcare Qatar” which covers the visitors coming to Qatar.

The first portion of each and every loss is USD 50 and will be borne by the insured. The Policy Excess fee is applicable only under sections A, C, D, E, F and L of the provided table (see below)
Download

Involvement in any adventurous sport is typically not covered. However, the policy may be extended for an additional premium to include Winter Sports Extension (limited to recreational On-Piste skiing and snowboarding)

QIC’s Travel insurance provides cover for return trip arrangements only

Travelcare Plus offers medical cover ranging from USD 50,000 to USD 1,000,000, which makes it fully acceptable to the requirements of an Embassy.

Your policy will be valid for a year and will start from the date of payment

The exclusions include loss or damage caused by or arising out of:

• War and allied perils
• Nuclear perils
• Ionising radiation/contamination
• Terrorism
• Damage to personal contents caused by perils as stated under exclusions in the policy wordings
• Construction, reconstruction/repair causing damage to outdoor fixtures/fittings like gates, fences, antennas, aerials, masts, towers and external television.
• Damage caused by hurricane, cyclone, tornado or windstorm
• Property which is not in your name or property for which you are legally not responsible
• If the value of the property is not included in the total sum insured
• Deeds, bonds, bills of exchange, promissory notes, cheques, travellers cheques, securities for money, stamps, documents of any kind, cash, currency notes, manuscripts, medals, coins, cars and its accessories, pedal cycles and livestock unless specially mentioned in your policy

Your policy will cover you for loss or damage caused by or arising out of:

• Fire, lightning, thunderbolt, subterranean fire, explosion (Building cover only for owners)
• Riot, strike, which means:
• A) The act of any person taking part together with others in any disturbance to public peace (whether in connection with a strike or lock-out or not) not being an excluded peril
• B) The action of any lawfully constituted authority in suppressing or attempting to suppress any disturbance or minimising the consequence of any such disturbance
• C) The willful act of any striker or locked-out worker done in furtherance of a strike or in resistance to a lock-out
• D) The action of any lawfully constituted authority in preventing or attempting to prevent any such act or minimising the consequence of any such act

• Part of a damaged aircraft or any other aerial device causing damage to your building and your personal contents (e.g. breaking of windows/burning of curtains)
• Bursting or overflowing of water tank, apparatus or pipe

• Theft accompanied by actual, forcible and violent breaking into or out of a building or any attempt thereat, provided that during the period when the building is left without an inhabitant, cover against theft is suspended from the beginning of the sixty-first day of consecutive unoccupancy in any one period of insurance
• Earthquake, volcanic eruption (including flood, overflow of sea occasioned thereby)
• Hurricane, cyclone, tornado, windstorm (including flood, overflow of sea occasioned thereby)
• Flood (including overflow of sea) other than what is mentioned in points 6 & 7 of your policy wording
• All insured perils

We only need your permanent or temporary address in Doha, Qatari ID number, mobile number and your email address

Invoices, receipts and pictures of your personal contents serve as Onus of Proof

Sum Insured is the total estimated value of your personal contents and/or your building

Furniture items which cannot be moved around easily are categorized as Fixed Personal Contents

The insured declared value of the building/villa/surrounding/property wall is called the Building Value and is inclusive of fixtures & fittings like air-condition/lights and surrounding structures like Majlis, servants/drivers quarters

Valuable items like jewellery, laptop, camera, unfixed household goods and other personal effects that you own are your personal contents. They may include:

• Carpets – fixed and unfixed, internal blinds and curtains
• Furniture and furnishings, electrical appliances such as TVs, stereos, computers, washing machines, dryers
• Refrigerators, freezers, portable heaters household tools and gardening equipment including ride-on mowers
• Items that you are legally responsible for

A sum of QR 250, which is the first portion of each and every claim/loss/damage, is the Policy Excess and must be borne by the insured