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FAQs

FREQUENTLY ASKED QUESTIONS (MOTORS)

Comprehensive Coverage: Covers loss and damage to your vehicle, including accidents, theft, and natural disasters.

Third-Party Liability: Covers damages or injuries you cause to others in an accident. It does not cover your own vehicle.

Yes, common exclusions include:

  • Using the vehicle for illegal purposes or racing.
  • Claims if the driver is under the influence of drugs or alcohol.
  • Damage to vehicles operated without a valid driving license.

A Third Party is anyone not involved in the insurance contract but affected by the insured’s actions, such as other drivers, pedestrians, and property owners.

  • Notify the insurance company immediately.
  • Complete a claim form via the online portal, by phone during office hours, or by visiting our office.
  • Provide necessary documents.
  • The insurance company will review your claim, assess damages, and determine compensation based on policy coverage.
  • For Motor Claims Assistance:
  • Comprehensive Policy: If not at fault, rental car reimbursement is provided during repairs for up to 15 days. No coverage if the vehicle is declared a total loss or cash loss settlements .
  • At-Fault Accident: Rental car coverage is available as an add-on if opted during policy issuance, with benefits as per policy terms.

You should contact the insurance company of the at-fault party, as mentioned in the police report.

Roadside assistance cover is available for saloon and station-type vehicles under both Comprehensive and Third-Party policies. If included in your policy, call 600508181 for assistance.

Frequently Asked Questions (Medical)

For an individual or family health insurance plan simply forward an email inquiry to medical.individual@alliance-uae.com or call us on +971(0)4 6051 282.

For group policies email your inquiry to health@alliance-uae.com or call us on +971 (0)4 6051 261.

Our website has a full list of Alliance plans with details about each different type. For more information, contact us directly on +971 (0)4 605 1281.
We will usually get a quotation to you within two working days of the required documents being submitted.
We require a minimum of 20 members (minimum of 10 employees) for a group policy.
Yes, all Alliance plans comply fully with the provisions of Law No. 23 of 2005, relating to health insurance in the emirate of Abu Dhabi and its executive regulation, and comply fully with the provisions of Health Insurance Law 11 of 2013, in the emirate of Dubai and its executive regulation.
If you work for a Dubai registered employer (including a free zone company) the law requires them to provide you with a health insurance plan. Dubai Health Authority has established a minimum standard of cover, called the Essential Benefits Plan (EBP), which employers must provide to their employees. The law also requires sponsors to provide health coverage for their spouses, dependents and domestic workers.
Dubai Health Authority encourages employers to provide medical insurance for employees’ spouses or dependents. However, if they do not then your sponsor will need to arrange cover for you.

Firstly, check your employment contract to see if your employer has a contractual obligation to provide medical insurance to you and your family. Employers are encouraged to insure employees’ spouses and dependents, but if they do not, you are responsible for arranging cover.

Frequently Asked Questions (Motor)

Alliance Insurance offers Comprehensive cover and Third Party Liability cover for all vehicles up to 10 years from the year of manufacture.
We evaluate the underwriting risk and provide insurance cover for vehicles on a case-by-case basis.
Drivers must be a minimum of 24 years old and a maximum of 60 years old, as denoted by their passport.

You can pay car insurance premiums in a number of ways:

By direct deposit at any Alliance branch.

  • A credit card payment submission using a credit authorisation form.

Cash payments are accepted at the company’s head office or at designated bank branches.

Our standard period of cover for individual vehicles is 13 months and for motor fleet insurance it is 12 months.
Once you have received a police accident report you can either email us at motor.claims@alliance-uae.com or call our claims center on 04-605 1318.
We provide accident cover anywhere within UAE. An additional premium applies if the cover needs to be extended to cover driving in Oman.
Off-road damage is covered for private four-wheel-drive vehicles, subject to an additional excess fee, which is calculated on a case-by-case basis. Damage or injury due to a vehicle rollover accident is not covered.
Alliance – Insurance Company