Salama Car Insurance
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About Salama Insurance Company
The RTA laws in the UAE make it mandatory for every car owner to purchase motor insurance. Salama Car Insurance Dubai offers innovative and customized products for its customers to meet all their requirements at highly competitive prices.
Salama Car Insurance Plans
Salama Car Insurance offers the following types of policies in the UAE:
1) Comprehensive Car Insurance
This policy compensates car owners who suffer loss or damage for any of the following reasons.
A mechanical breakdown resulting from an accident, collision, or overturning of the vehicle
Loss due to theft or burglary
Loss or damage due to fire, lightning, explosion, or self-ignition
Loss or damage due to malicious third-party activities
Loss or damage to the vehicle during loading or unloading in transit
2) Third-Party Liability Insurance
This policy covers third-party liabilities of car owners. If an accident due to the insured vehicle causes death or bodily injury to other people or damages their property, this policy offers compensation to them. It does not cover loss or damage to the policyholder's vehicle. A third-party liability insurance policy offers the most basic coverage and charges a lower premium than a comprehensive plan.
3) Vehicle Export Insurance
This type of Salama Vehicle Insurance policy covers loss or damage to vehicles transported from one Emirate to another within the UAE. You can purchase this policy only after an 'Export Plate' is issued for the purpose by the transport authorities. This insurance policy expires when the vehicle arrives at its final destination, or the term ends, whichever is earlier.
Salama Car Insurance Add-On Covers
Personal Accident Cover
This covers medical expenses if the owner-driver of the vehicle gets injured in an accident. The PA cover also offers a fixed compensation if the owner-driver suffers permanent disability or dies in an accident.
Roadside Assistance Cover
This plan provides support if you face problems in the middle of the road while driving. Whether it is fixing a flat tire, getting minor repairs, fuel assistance, or towing services, you can easily get emergency support through a roadside assistance cover.
Engine Protection Cover
This covers the expenses of repairing or replacing the damaged engine of the insured vehicle due to reasons such as oil leakage, water ingression, or damages to engine parts.
Off-Roading Cover
Standard car insurance only covers ‘road’ accidents. Drivers who use their vehicles for ‘off-road’ driving activities such as dune bashing, desert racing, cross-country racing, mud-plugging, etc., need an off-road cover to protect themselves.
Oman Extension Cover
This add-on cover protects your vehicle against any loss or damage if you are driving in Oman (i.e., outside the UAE). However, this plan does not cover third-party claims in Oman.
What is Covered Under Salama Car Insurance?
Any damage to the insured vehicle due to an accident or collision
Third-party claims due to any injury to other people or damage to their property by an accident involving the insured vehicle
Loss of the vehicle or its components due to theft or burglary
Loss or damage to the car due to fire accidents or explosions
Bodily injury, disability, or death of the owner-driver are covered under personal accident insurance.
What is Not Covered Under Salama Car Insurance?
Loss or damage to the insured vehicle if the driver does not possess a valid driving license
Any loss or damage if the driver is under the influence of alcohol, drugs, or other narcotic substances at the time of the accident
Loss or damage due to natural calamities such as floods, earthquakes, storms, etc
Loss or damage caused while the vehicle is used for unlawful activities or for purposes not specified in the policy.
Loss or damage to the vehicle used for off-road driving (policyholders must buy a separate add-on cover for this benefit)
Loss or damage due to accidents occurring outside the geographical limits of the policy
Damage due to the regular wear and tear of the vehicle or its components
Loss or damage due to any defect or breakdown of the electrical/mechanical equipment
Why You Need to Choose Salama Car Insurance?
Some of the key reasons for choosing Salama Motor Insurance are as follows:
1) Policy Features and Benefits
Buyers can easily purchase Salama car insurance plans online with just a few clicks from the comfort of their homes.
The Salama Car Insurance price offers the perfect value for money by providing comprehensive coverage at affordable premiums.
The online claim registration and approval process(through the Salama app) is fast, hassle-free, and convenient for policyholders.
The insured vehicles are eligible for quick repairs at any of the A-grade garages in the company’s network
The policyholders can avail of attractive discounts on premiums by utilizing their no-claim bonuses (NCB) for every claim-free year.
The online policy renewal process is expeditious without any lengthy paperwork.
The customer support team at Salama Islamic Arab Car Insurance has a stellar track record of providing high-quality service to its huge customer base in the Gulf region.
2) Cashless Garages of Salama Car Insurance
The company has a network of the country's best garages to help its policyholders. These cashless garages offer the following benefits to policyholders.
24×7 support and assistance for vehicle repairs
Zero out-of-pocket expenses for vehicle owners as bills are directly paid by the insurer to the garages.
The cashless garages offer top-quality service to customers without levying additional charges.
The process is hassle-free for car owners without cumbersome documentation. The cashless garages directly send their estimation reports to the insurer for approval and payment.
Documents Required to Buy Salama Car Insurance
A valid Emirates ID
A valid driving license
Car registration documents
How to File a Salama Car Insurance Claim?
The step-by-step procedure to file a Salama car insurance claim is as follows:
Step 1: Download the official app of Salama on your smartphone
Step 2: Select the appropriate policy for filing your car insurance claim
Step 3: Submit the online copies of your driving license, vehicle registration card, and police report.
Step 4: Upload a clear photograph of the accident involving the insured vehicle
Step 5: Click on ‘Submit’ at the end. You can contact Salama customer care for assistance in filing a claim and resolving your queries.
How to Buy or Renew Salama Car Insurance With Prominent Insurance Brokers?
1
Visit the official website of Prominent Insurance Brokers. Enter your details in the car insurance quote form.
2
Once you provide all the requisite details in this form, click on the ‘Submit’ button
3
One of our executives will soon get in touch with you. Our team of experts will guide you to buy the right insurance plan. You can make the payment online.
You can also click on the Whatsapp icon on this page and chat with our team members. You will be guided step-by-step to buy the policy online.
Frequently Asked Questions on Salama Car Insurance
The exact cost of Salama car insurance depends on factors such as the vehicle type, age, condition, and the coverage limit. The premium for the Salama Insurance Comprehensive (Garage) Plan starts at around AED 1,680 per year.
There are three main types of Salama motor insurance plans. They are:
Salama Comprehensive Car Insurance
- Salama Third-Party Liability Car insurance
Salama Vehicle Export Insurance
You can contact Salama Car Insurance through any of the following ways:
Visit the ‘Contact Us’ page on the company’s official website and submit your query online
- Send an email of your query to Salama customer care at
Call the company’s toll-free number at 800 725262
