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What are the most important benefits of a standard vehicle insurance policy?

What are the most important benefits of a standard vehicle insurance policy?

What are the most important benefits of a standard vehicle insurance policy?

What are the most important benefits of a standard vehicle insurance policy?

The insurance authority in the country has strengthened the competitiveness of the sector by adopting and issuing the vehicle insurance rate tariffs system “The Unified Vehicle Insurance Document for Loss and Damage” issued under the Vehicle Insurance Standardization System, according to the Authority’s Board of Directors Decision No. 25 of 2016.

Through this latest decision, which was implemented at the beginning of this year, the Insurance Authority has sought to limit the policy of speculation and burning prices among overcrowded market companies with more than 61 companies, as it adopted the highest and lowest prices to protect the rights of policyholders and corporate interests alike, and is thus You have strengthened the market competitiveness and the reduction of price burn and speculation at any price, in addition to protecting the rights of shareholders and companies on the one hand and policyholders on the other hand, so I took a major step towards adopting a new stage titled Ideal Competitiveness and Profit Taking and providing the ideal service for the campaign of “polices”, In doing so, it strengthened the principle of competition within the permissible upper and lower limits and contained in the document.

Not only were the advantages and benefits of the new document only at that, but it also included many positive benefits for the sector as a whole

1- Preventing insurance companies or their agents and brokers from collecting any additional amount or allowance except by an official decision from the authority.

2- Include in the new document fees for ambulance service and medical transportation for hospitals.

3- In the event that the company and the policyholder agree on additional coverage not mentioned in the document, the additional installment agreed upon between the two parties will be fulfilled within a clear and specific reference for easy understanding by the policyholders.

4- Separating vehicle insurance according to the type of insurance through two documents. The first relates to civil liability “against others”, which is mandatory according to the traffic law, and the second by “supplementary or comprehensive” damage and damage, which is optional for those who want to include his vehicle in insurance, after it was called comprehensive insurance in one document. It includes both types of vehicle insurance.

5- Increasing the amount of insurance for material damages affecting others from 250,000 to two million dirhams in the vehicle insurance policy against civil liability.

6- Vehicles are repaired in the agency’s workshops for the damaged vehicle, which has not been on the road for more than one year.

7- The family members of the insured include “the husband, wife,” children, parents, with insurance coverage up to 200 thousand.

8- The injured person, the owner of the private vehicle, is entitled to obtain a replacement vehicle similar to the damaged vehicle during the repair period or a daily fee of no more than 300 dirhams and a maximum of 10 days.

9 – The use of a damage assessment expert in the event of a dispute between the injured insured and the insurance company about the value of the damages and the amount of compensation or market value in the vehicle insurance policy for loss and damage.

10- The additional bearing amounts related to the age of the driver, taxi and public vehicles, fare, rental, sports and the vehicles provided are now clearly and specifically stated in the document.

11 – The insurance period that is subject to the consumption allowance is 13 months, so that the percentage is 20% for the entire insurance period, and there is no longer any division for each quarter of what was raised by the 13th month of the problems.

12- The aggrieved party is entitled to repair the vehicle, provided that the amount agreed with the company is not exceeded.

13- The document included a short timetable in the event that the document was wanted to end, as it was not included in the current document.

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