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Fidelity United car insurance in the UAE
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Regulated by the Central Bank of the UAE
Regulated by the Central Bank of the UAE
Fidelity United is a UAE motor insurer that sells two car insurance products: comprehensive cover and third-party liability cover. Both are available to compare side by side and buy online through Lookinsure, with payment in 4 installments through Tabby or Tamara where eligible.
This page sets out what Fidelity United actually covers, what it costs against RAK Insurance and Al Sagr in the same quote, where its branches and approved garages are, and where it is the weaker choice. If you would rather start from price, compare car insurance quotes online in Dubai and UAE and filter to Fidelity United from the results.
What is Fidelity United motor insurance?
Fidelity United motor insurance is the car insurance line of United Fidelity Insurance Company (P.S.C.), a UAE insurer listed on the Abu Dhabi Securities Exchange. The company was formed through a partnership between the United Insurance Company and Fidelity Assurance and Reinsurance of Lebanon, and it writes motor, medical and general lines across the Emirates.
It publishes exactly two private motor products, and the difference between them is straightforward:
- Comprehensive cover — pays for damage to your own vehicle as well as damage and injury you cause to others.
- Third-party liability cover — the legal minimum. It pays only for damage and injury you cause to others, never for your own car.
Every UAE motor policy is written on the Unified Motor Vehicle Insurance Policy, the standard wording that applies across the market under Central Bank of the UAE regulation. That is why third-party bodily injury and property damage appear on both Fidelity plans — the floor is set by regulation, and insurers compete above it on limits, add-ons and service.
Fidelity United is a good choice for drivers who want practical everyday-use benefits at a low comprehensive premium, and a poor choice for drivers who need high liability limits, GCC driving cover or off-road protection.
That verdict comes from the quote comparison further down this page, where Fidelity United returned the lowest comprehensive premium of the three insurers compared — AED 1,600 against RAK Insurance at AED 1,805 and Al Sagr at AED 2,800 — while insuring the vehicle at its full AED 35,200 value.
Lookinsure does not publish a star rating for individual insurers. This review is built only from the quote data on this page and Fidelity United's own published policy terms.
Where Fidelity United is strong
Strength | What the evidence shows |
Lowest comprehensive premium | AED 1,600 in the compared quote, against AED 1,805 and AED 2,800 for the same vehicle. |
Everyday-use protection as standard | Windscreen accidental damage, personal belongings, door-lock replacement and valet-parking theft appear in eligible comprehensive configurations. |
Full insured value | The vehicle was insured at AED 35,200 — the same as Al Sagr, and above RAK Insurance at AED 31,633. |
Tiered roadside support | Bronze, Gold and Premium roadside packages can be selected per quote, on top of the insurer's own 24-hour line. |
Workshop flexibility | Eligible quotes may offer a Dyna Trade workshop upgrade, which most insurers in this price band do not. |
Published branch network | Six offices across five emirates |
Where Fidelity United is weaker
Weakness | What the evidence shows |
Third-party property damage limit | AED 2 million in the compared quote, against AED 3.5 million from RAK Insurance. |
Driver accident cover is paid | Offered as an optional add-on at around AED 120, where RAK Insurance included it in the compared quote. |
No family or employee accident benefit | Not highlighted in the compared quote. Relevant if you carry family or staff regularly. |
No off-road cover | Fidelity United publishes no off-road extension for private motor policies. |
GCC cover is limited | Oman own-damage extension and Orange Card are optional add-ons rather than included cover. |
No new-car replacement | Not offered. RAK Insurance includes it for the first six months in the compared quote. |
Choose Fidelity United if you want the lowest comprehensive premium of the three insurers compared here and you value windscreen, personal belongings, door-lock and valet-parking protection over the widest liability limits. Choose RAK Insurance instead if third-party property damage above AED 2 million, GCC driving or off-road cover matters more to you than price.
Fidelity comprehensive vs third-party car insurance
The choice comes down to one question: do you want your own car covered, or only your legal liability to others? If your car is financed, leased or worth more than about AED 30,000, comprehensive is the sensible answer — a single at-fault accident can cost more than the premium difference several times over.
The example below uses the comparison quote for a Toyota Corolla 2019 valued at AED 35,200. Premiums and available benefits change with driver profile, vehicle details, plan terms and selected add-ons, so always read the live quote card. If you want the coverage type explained in full, see comprehensive car insurance.
Feature | Fidelity comprehensive | Fidelity third-party |
Example premium | AED 1,600 | AED 949.50 |
Third-party bodily injury | Covered | Covered |
Third-party property damage | Covered up to AED 2M in the compared quote | Covered up to AED 2M in the compared quote |
Damage to the insured vehicle | Covered | Not covered |
Fire and theft | Included in the compared quote | Not covered |
Natural calamity cover | Included in the compared quote; an optional add-on in general | Not offered |
Windscreen protection | Included in the compared quote | Not covered |
Personal belongings cover | Included in the compared quote | Not covered |
Valet parking theft | Included in the compared quote | Not covered |
Workshop repair | Included | Not applicable |
Best for | Drivers wanting their own car protected | Drivers seeking the legal minimum at a lower premium |
Fidelity vs RAK vs Al Sagr third-party prices
Third-party is the legal minimum, and on price the three insurers sit within AED 400 of each other — which means the benefits, not the premium, should decide it. Personal accident benefits, ambulance cover and roadside support change the practical value of a policy far more than AED 50 on the premium does. The coverage type itself is explained on third-party car insurance.
The sample below is based on the quote scenario for a Toyota Corolla 2019 valued at AED 35,200. Premiums and benefits vary by driver, insurer underwriting, vehicle details and selected add-ons.
TPL comparison point | Fidelity United | RAK Insurance | Al Sagr | How to read it |
Basic premium | AED 949.50 | AED 1,300 | AED 900 | Starting premium before optional add-ons |
Third-party bodily injury or death | Covered | Unlimited | Covered | Liability protection for injury or death claims |
Third-party property damage | Up to AED 2M | Up to AED 2M | Up to AED 2M | Damage caused to another vehicle or property |
Driver personal accident benefit | Included | Included | Included | Financial protection for driver injury or death |
Passenger personal accident benefit | Included | Included | Included | Passenger compensation protection |
Family personal accident benefit | Not highlighted | Included | Not highlighted | Additional family-oriented protection |
Employee accident benefit | Not highlighted | Included | Not highlighted | Relevant if you carry staff or drivers |
Ambulance services | Included | Included up to AED 6,770 | Included | Emergency medical transportation |
Roadside assistance | Optional Bronze / Gold / Premium tiers | Included up to 3 tons | Not specifically highlighted | Useful for breakdowns and towing |
Oman / Orange Card cover | Optional add-on | Optional annual Orange Card | Not highlighted | Needed for driving into Oman and the GCC |
Best-fit direction | Practical add-ons | Broadest TPL protection | Lowest-cost traditional option | Depends on driver priorities |
Al Sagr is AED 49.50 cheaper than Fidelity United here, and RAK Insurance is AED 350 dearer but carries unlimited bodily injury cover plus family and employee accident benefits. On third-party, price is the weakest reason to choose between them.
Fidelity vs RAK vs Al Sagr comprehensive prices
On comprehensive, the spread is real: AED 1,600 to AED 2,800 for the same car. In the quotes compared here, comprehensive premiums ran between roughly 4.5% and 8% of the insured vehicle value, while third-party premiums stayed between AED 900 and AED 1,300 regardless of what the car was worth. That gap is the single most useful number on this page when you are budgeting.
The sample below uses the same Toyota Corolla 2019 valued at AED 35,200. Actual premiums, insured value and available benefits vary by vehicle, driver profile, selected plan and quote date.
Comprehensive comparison point | Fidelity United | RAK Insurance | Al Sagr | How to read it |
Basic premium | AED 1,600 | AED 1,805 | AED 2,800 | Compare overall value, not price alone |
Vehicle value covered | AED 35,200 | AED 31,633 | AED 35,200 | Total-loss or theft valuation in the compared quote |
Repair type | Workshop | Workshop | Workshop | Insurer-approved repair routing |
Own damage cover | Included | Included | Included | Core comprehensive protection |
Fire and theft cover | Included | Included | Included | Vehicle theft and fire protection |
Third-party property damage | Included, up to AED 2M | Up to AED 3.5M | Up to AED 2M | Liability protection against damage to others |
Third-party bodily injury | Included | Unlimited | Unlimited | Injury liability protection |
Natural disaster cover | Included in the compared quote | Included | Included | Flood or storm-related protection where applicable |
Windscreen cover | Included, excess waived | Up to AED 2,000 without excess | No excess up to AED 3,500 | Useful for common glass-damage claims |
Emergency medical expenses | Included | Up to AED 5,000 | Up to AED 2,000 | Accident-related medical support |
Ambulance services | Included | Up to AED 6,770 | Included | Emergency transportation support |
Driver accident cover | Optional, +AED 120 | Included | Not specifically highlighted | Driver injury or death support |
Passenger accident cover | Optional combined cover | Included | Included | Passenger protection |
Family personal accident cover | Not highlighted | Included | Not highlighted | Family-oriented protection |
Personal belongings cover | Included | Included up to AED 5,000 | Not highlighted | Eligible belongings inside the vehicle |
Door-lock replacement | Included | Included up to AED 5,000 | Not highlighted | Theft or lost-key related support |
Valet parking theft | Included | Included | Not highlighted | Theft protection during valet parking where applicable |
Roadside assistance | 24-hour line included; Bronze / Gold / Premium tiers optional | Included UAE & Oman | Not specifically highlighted | Convenience and towing support |
Replacement vehicle | Not-at-fault replacement included; 10 or 5-day rental optional | Courtesy-car cashback included | Available on eligible plans | Rental or replacement support |
No claim discount | Included | Included | Not highlighted | Reduces renewal premium after claim-free years |
Workshop upgrade option | Optional Dyna Trade upgrade | Not highlighted | ASNIC garages only | Repair-network flexibility |
GCC / Oman cover | Optional Oman own-damage extension and Orange Card | GCC own-damage + Orange Card | Oman / Orange Card on eligible plans | Important for regional driving |
Off-road coverage | Not offered | Included for 4x4 vehicles | Not highlighted | Relevant for SUV or 4x4 owners |
New-car replacement | Not offered | Included up to 6 months | Not highlighted | Useful for newer vehicles |
Excess / deductible | Not highlighted | Not specifically highlighted | AED 700 per accident | Out-of-pocket claim cost |
Best-fit direction | Practical daily-use benefits at the lowest premium | Broadest overall protection | Traditional insurer structure | Depends on driver priorities |
Fidelity United wins on price and on everyday-use benefits. RAK Insurance wins on liability limits, GCC and off-road cover, and accident benefits — for AED 205 more. Read both quote cards before deciding: RAK car insurance and Al Sagr car insurance are set out in the same detail.
Which insurer should you choose: Fidelity, RAK or Al Sagr?
Pick by the one thing that matters most to you. In the comparison above, no insurer wins on every measure, and the priority you start from decides the answer.
Your priority | Likely direction |
Lowest comprehensive premium | Fidelity United |
Broadest overall protection | RAK Insurance |
Practical everyday-use benefits | Fidelity United |
Oman and GCC driving | RAK Insurance |
Most customizable roadside setup | Fidelity United |
Family-oriented protection | RAK Insurance |
Personal-belongings protection | Fidelity United or RAK Insurance |
Workshop flexibility | Fidelity United |
Lowest third-party premium | Al Sagr |
Highest third-party property-damage limit | RAK Insurance |
Off-road SUV coverage | RAK Insurance |
Theft-related convenience benefits | Fidelity United |
What Fidelity United car insurance covers
The benefits below are the ones Fidelity United publishes as standard on eligible comprehensive plans. Exact inclusions still depend on the plan and quote configuration, so check them against the live quote card before you pay.
Third-party liability: injury or property damage you cause to others, subject to policy terms and limits.
Own-damage cover: your own vehicle against covered loss or damage under comprehensive plans.
Fire and theft cover: eligible fire or theft-related loss where included.
Windscreen accidental damage: eligible glass damage with the excess waived. The coverage type is explained on windscreen insurance cover.
Personal belongings: eligible items inside the vehicle. See what a typical personal belongings cover pays out.
Door-lock replacement: lock replacement after theft or damage, comparable to a standalone car key replacement cover.
Valet parking theft: theft while the vehicle is with a valet service, in selected comprehensive configurations.
24-hour emergency roadside assistance: reachable on 800-4101. Quotes may also offer paid Bronze, Gold and Premium tiers on top — what these packages typically include is set out under roadside assistance cover.
National Ambulance Service: emergency medical transport after a covered accident.
Emergency medical expenses: accident-related medical costs, subject to policy limits.
Car replacement (not at fault): a replacement vehicle where you are not the at-fault party.
No claim discount: a renewal reduction after claim-free years. How the discount is earned and carried between insurers is covered under no-claims bonus.
Repairs at dealer, agency or approved workshops: routing depends on the plan and the workshop option selected.
Fidelity United optional add-ons
Fidelity United's add-on list is where it earns its reputation for flexibility. Each of these is bought on top of the base premium and none is automatic, so a Fidelity quote can end up cheaper or dearer than a rival depending on what you attach to it.
Add-on | What it does |
Natural calamity cover | Eligible flood, storm, hurricane or earthquake damage. What this protects against in practice is set out under flood damage car insurance. |
Personal accident — driver | Compensation for driver injury or death. Around AED 120 in the compared quote. See how personal accident cover is structured. |
Personal accident — passengers | Equivalent compensation for passengers, usually sold as a combined option with driver cover. |
Rental car facility | A replacement car for 10 or 5 days while yours is repaired. Compare against a standalone replacement car cover. |
Oman own-damage extension | Extends own-damage cover geographically to the Sultanate of Oman. |
Orange Card | Extends third-party cover to GCC countries. What it is and how to get one is explained in the guide to the Orange Card for driving in Oman. |
Dyna Trade workshop upgrade | Upgrades repair routing to the Dyna Trade network on eligible quote configurations. |
Loading and unloading cover | Covers eligible damage occurring while goods are loaded or unloaded. |
Special paints, stickers and graphics | Extends cover to non-standard paintwork and vehicle graphics. |
Tool of trade extension | Relevant where the vehicle is used with attached or carried work equipment. |
What Fidelity car insurance does not cover
Fidelity United car insurance is subject to exclusions, policy conditions and insurer approval rules like any UAE motor policy. The exact list depends on the plan, but expect limitations in the situations below — most of them are standard across the market, and are set out in more detail under common car insurance exclusions.
Exclusion area | What it means |
Driving without a valid license | Claims may be rejected if the driver was not legally licensed. |
Driving under the influence | Alcohol- or drug-related incidents are typically excluded. |
Intentional damage | Deliberate loss or damage is not covered. |
Unauthorized modifications | Undeclared or unapproved vehicle modifications may affect claim validity. |
Mechanical wear and tear | Routine deterioration and maintenance issues are not insurance claims. |
Commercial misuse | Private car policies may not apply to commercial use. |
Incidents outside covered geography | Claims outside approved territorial limits may not apply unless the right extension was selected. |
Off-road driving | Fidelity United publishes no off-road extension for private motor policies, so treat desert and off-road driving as excluded unless the quote card says otherwise. |
Own damage under a third-party policy | Third-party liability insurance never covers damage to the insured vehicle. |
Off-road is the exclusion most often discovered too late. If you take a 4x4 into the desert with any regularity, compare insurers that list off-road protection explicitly — the options are set out under 4x4 car insurance.
Note: always review the live quote card, policy wording and insurer terms before purchase.
Documents required to buy Fidelity car insurance
Three documents cover most purchases: Emirates ID, UAE driving license and Mulkiya. Requirements vary with vehicle status, insurer checks and the policy type selected.
Situation | Documents commonly required |
Existing car | Emirates ID, UAE driving license, Mulkiya |
New car | Emirates ID, UAE driving license, vehicle details |
Ownership transfer | Transfer-related documents if required by the insurer or transaction type |
The full list, including the less common cases, is set out in the guide to the documents required for car insurance in the UAE.
How to buy Fidelity United car insurance through Lookinsure
Buying through Lookinsure keeps the process comparison-led and online from quote to policy.
Step 1
Enter your car details
Step 2
Compare Fidelity United quotes with other available plans
Step 3
Review coverage, exclusions and optional add-ons
Step 4
Upload the required documents
Step 5
Pay online in full or in installments using Tabby or Tamara
Step 6
Receive your issued policy through the applicable delivery process
How to renew Fidelity car insurance online
Renewal takes a few minutes on Lookinsure and does not require a branch visit. The chassis number route is faster than entering make and model manually.
Go to the Lookinsure homepage.
Click "Get Quotes".
Select the first option, "Renew".
Enter your details either manually by make and model, or using your chassis number.
Modify your policy or proceed straight to payment.
Pay in full or in installments.
Pay Fidelity United car insurance in installments
Eligible Fidelity United policies bought through Lookinsure can be split into 4 payments, subject to provider approval and checkout terms. Using the Toyota Corolla 2019 quotes from the comparison above:
Example policy price | First payment | Remaining payments |
AED 949.50 third-party quote | AED 237.38 | 3 × AED 237.38 |
AED 1,600 comprehensive quote | AED 400 | 3 × AED 400 |
Both providers are available at checkout: pay car insurance with Tabby or pay car insurance with Tamara, depending on which approves your split.
How to make a Fidelity car insurance claim
Register the claim with Fidelity United before any repair work starts. Repairs begun without authorization are the most common reason a valid claim gets reduced or refused.
Claims can be registered through Fidelity United's website or by calling 800 842. Three documents are requested at registration:
- Police report
- Valid vehicle registration card
- Valid driving license
The insurer's motor claims process then follows six stages. The general UAE process, including the deadlines that apply, is set out in the guide to how to file a car insurance claim in the UAE.
Stage | What happens |
Claim registration | Submit the claim through Fidelity United's website or by phone. |
Vehicle drop-off | The vehicle is taken to an approved workshop from Fidelity United's network. |
Repair estimate | The workshop prepares a repair estimate. |
Vehicle inspection | Fidelity United surveys the car and issues repair authorization where approved. |
Work order | Repair begins and the customer is told the expected repair duration. |
Vehicle handover | The workshop notifies the customer when the vehicle is ready. |
If the repair estimate exceeds the insured value, the claim is settled as a total loss instead of a repair, and the settlement is based on the value shown on your policy schedule — AED 35,200 in the compared quote. How that valuation is reached is explained under total loss claims.
Fidelity United approved garage list
Repair routing depends on the policy, the workshop option selected and insurer approval. The Fidelity United insurance garage list below covers approved repair centres across six emirates.
| Garage name | Address | Phone number |
| Al Kayed Workshop – Dubai | 128 2 A St – Al Khabaisi – Dubai – United Arab Emirates | +971 4 269 3333 |
| Emirates Transport – Luxury – Dubai | 79JM+H39 – Al Qusais Industrial Area 1 – Dubai – United Arab Emirates | +971 4 218 0381 |
| Jahan Auto Repair – Dubai | 13th St – Umm Ramool – Dubai – United Arab Emirates | +971 54 515 5002 |
| Motor World – Dubai | 47 13th St – Umm Ramool – Dubai – United Arab Emirates | +971 4 286 3336 |
| Elite Motors – Abu Dhabi | Musaffah – M-11 – Abu Dhabi – United Arab Emirates | +971 2 550 1080 |
| Emirates Transport – Abu Dhabi | 1 – 10th St – Abu Dhabi – United Arab Emirates | +971 800 6006 |
| Rak Arabia Auto Repairs – Abu Dhabi | CF8W+J5R Airport Road – Umm Al Nar – near Al Maqta’a Bridge – Rabdan – Abu Dhabi – United Arab Emirates | +971 52 908 4265 |
| Emirates Transport Workshop – Sharjah | 7GX9+5FX – Al Qarayen 3 – Sharjah – United Arab Emirates | +971 6 513 9862 |
| RAK Arabia Workshop – Sharjah | Area 17 – beside Sharjah English School – University City – Sharjah – United Arab Emirates | +971 6 574 1422 |
| Emirates Transport – Fujairah | Al Hayl – near the Traffic Department (Murror) – Fujairah – United Arab Emirates | +971 9 202 9154 |
| MK Motors – Fujairah | Al Hail Industrial Area – Fujairah – United Arab Emirates | +971 54 554 5553 |
| Emirates Transport Workshop – Ras Al Khaimah | V236+PRQ – Julfar – Ras Al Khaimah – United Arab Emirates | N/A |
| RAK Arabia Auto Services LLC – Ras Al Khaimah | Sheikh Mohamed Bin Salem Rd – Al Dhait – Ras Al Khaimah – United Arab Emirates | +971 7 227 5197 |
| Red Fox – Ras Al Khaimah | Near Al Futtaim Honda – Al Dhait – Ras Al Khaimah – United Arab Emirates | +971 56 787 4777 |
| Emirates Transport Workshop – Ajman | 58 Al Khail Street – Al Jerf 2 – Ajman – United Arab Emirates | N/A |
| Motor World – Ajman | 9FGG+XVR – Amr Ibn El Aas St – Ajman Industrial 2 – Ajman – United Arab Emirates | N/A |
Approved networks differ sharply between insurers, and a garage list is worth checking before you buy rather than after a collision. Networks for the other major UAE insurers are collected in the approved garage lists for UAE insurers.
Fidelity United branches and contact details in the UAE
Fidelity United's toll-free customer care number is 800 842, and its 24-hour emergency roadside assistance line is 800-4101. Customer care operates Monday to Friday, 08:00 to 17:00. All contact details on this page were verified.
Channel | Details |
Toll-free customer care | 800 842 |
24-hour roadside assistance | 800-4101 |
Customer care email | |
Office hours | Monday to Friday, 08:00 to 17:00 |
Website | fidelityunited.ae |
Fidelity United publishes six offices across five emirates:
Emirate | Office | Fax |
Dubai (head office) | Golden Gate Building, Office 302–303, Umm Hurair Road, Oud Metha | +971 4 250 2501 |
Dubai (Business Bay) | The Opus Tower, Block B, Office B703, Business Bay | +971 4 250 2504 |
Abu Dhabi | Bloom Central Building, 4th floor, Office 407, Airport Road, Al Manhal | +971 2 626 3526 |
Sharjah | City Gate Tower, 19th floor, Office 1903, Etihad Road | +971 6 568 1586 |
Ras Al Khaimah | Fidelity United Building, Al Dhaith South | +971 7 235 3213 |
Fujairah | Fujairah Tower, Office 704 | +971 9 222 0294 |
There is no Fidelity United branch in Al Ain. Al Ain drivers use the Abu Dhabi office at Bloom Central on Airport Road, or skip the branch entirely and compare car insurance in Al Ain online. The same applies in the capital, where quotes for buy car insurance in Abu Dhabi can be completed without a visit.
Northern Emirates drivers are covered by the Sharjah, Ras Al Khaimah and Fujairah offices. Local pricing differs by emirate, so it is worth comparing car insurance in Sharjah and car insurance in Fujairah against the quotes on this page.
Frequently asked questions
Fidelity United motor insurance is the car insurance line of United Fidelity Insurance Company (P.S.C.), a UAE insurer listed on the Abu Dhabi Securities Exchange. It sells two motor products: comprehensive cover, which pays for damage to your own vehicle, and third-party liability cover, the legal minimum.
Fidelity United suits drivers who want everyday-use benefits at a competitive premium rather than the widest liability limits. In the comparison on this page it returned the lowest comprehensive quote of the three insurers, and it includes windscreen, personal belongings and door-lock cover as standard on eligible comprehensive plans.
In the quote compared on this page, a Toyota Corolla 2019 valued at AED 35,200, Fidelity United returned AED 1,600 comprehensive and AED 949.50 third-party. Across the three insurers compared, comprehensive premiums ran between 4.5% and 8% of insured vehicle value. Your own premium depends on driver profile and vehicle details.
Fidelity United's toll-free customer care number is 800 842, and its 24-hour emergency roadside assistance line is 800-4101. Customer care operates Monday to Friday, 08:00 to 17:00. Claims and general enquiries can also be sent to [email protected]. Both numbers were verified against Fidelity United's own contact page.
No. Fidelity United publishes six offices across five emirates: two in Dubai and one each in Abu Dhabi, Sharjah, Ras Al Khaimah and Fujairah. Al Ain drivers use the Abu Dhabi office at Bloom Central on Airport Road, or buy and renew online without visiting a branch at all.
The approved garage list is on this page, above. Fidelity United's network covers Dubai, Abu Dhabi, Sharjah, Ajman, Fujairah and Ras Al Khaimah, and includes Al Kayed Workshop, Emirates Transport, Motor World and Elite Motors. Repairs must be authorized by Fidelity United before the workshop starts work.
Yes. Fidelity United includes 24-hour emergency roadside assistance on its motor policies, reachable on 800-4101. Separately, quotes compared through Lookinsure may offer roadside packages in Bronze, Gold and Premium tiers as a paid option, so check which applies to the specific quote you are buying.
Fidelity United does not publish an off-road extension for private motor policies, so treat off-road and desert driving as excluded unless your quote card states otherwise. If you drive a 4x4 off-road regularly, compare insurers that list off-road cover explicitly before you buy.
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