Fidelity Car Insurance

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Regulated by the Government of Dubai

Fidelity United Insurance is designed for customers seeking reliable and comprehensive insurance solutions. With a strong reputation for customer satisfaction and a commitment to providing a wide array of services, Fidelity Insurance stands out as a dependable choice for those looking for peace of mind and security in their insurance coverage.

Fidelity Car Insurance Overview

Fidelity United Insurance delivers comprehensive car insurance solutions across the UAE, prioritizing reliability and customer-centric protection. Regulated by the UAE Central Bank, Fidelity Car Insurance offers Sharia-compliant options, 24/7 claims support, and flexible Tabby/Tamara installments. With offices in Dubai, Abu Dhabi, Fujairah, Ras Al Khaimah, and Sharjah, Fidelity partners with 300+ garages for seamless cashless repairs.

Types of Car Insurance Plans Offered by Fidelity Insurance Company

Fidelity Insurance Services serves diverse customers, providing tailored insurance solutions for individuals, families, and businesses. Understanding each client's unique needs helps the Company deliver effective coverage options for maximum protection.

Comprehensive Fidelity Motor Insurance:
- Covers accidents, theft, fire, natural disasters, and third-party liabilities (up to AED 5M).
- Includes agency repairs (new cars ≤5 years) and personal accident coverage (driver: AED 100,000).
Third-Party Liability:
- Mandatory UAE coverage for third-party injury/property damage.
- Add-ons: Fire, theft, vandalism.
Commercial Auto Insurance:
- Fleet solutions for business vehicles with volume discounts.

Benefits and Coverage of Fidelity Car Insurance in UAE

Core Benefits:
- 24/7 Roadside Assistance: Free towing, battery jumps, lockout service (? 800 842).
- No-Claim Discounts: Up to 25% savings for accident-free drivers.
- Instant Policy Issuance: Digital certificates via email.

Coverage Table:

Feature	Comprehensive Plan	Third-Party Plan
Own Vehicle Damage	✅	❌
Theft/Fire	✅	❌ (Add-on available)
Natural Disasters	✅	❌
Personal Accident	Up to AED 100,000	❌
GCC Coverage	✅ (Oman add-on: AED 350)	❌

What Is Covered Under Fidelity Motor Insurance Plans?

Accidents: Collision repairs, rollovers, vandalism.
Theft & Fire: Full vehicle replacement if unrecovered.
Natural Disasters: Floods, sandstorms, hail (excludes intentional parking in flood zones) .
Third-Party Liabilities:
- Bodily injury: Unlimited medical expenses.
- Property damage: Up to AED 5M.
Support Services:
- Replacement car during repairs (up to 10 days).
- Free windshield repair (zero deductible).

Add-ons for Fidelity Car Insurance Plans

Off-Road Coverage: Desert/dune driving protection.
Zero Depreciation: Waives value deduction on parts.
Rental Car Cover: Vehicle during repairs.
Agency Repairs: Genuine parts at authorized dealers.
Belongings Protection: Theft of items inside the vehicle (up to AED 3,000).

What Is NOT Covered Under Fidelity Car Insurance Plans?

Illegal Activities: Drunk driving, racing, and unlicensed drivers.
Mechanical Failures: Engine/clutch breakdowns.
Wear & Tear: Tire degradation, battery wear.
Unreported Modifications: Non-standard parts.
War/Terrorism: Riots, nuclear events.

Documents Required to Buy Fidelity Car Insurance

When applying for or managing your Fidelity car insurance, you must prepare several key documents to ensure a quick and efficient process. Here’s a list of the necessary documents:

Driver's License: A valid driver's license for all drivers covered under the policy.
Vehicle Registration: Proof of the vehicle's registration to confirm ownership.
Proof of Insurance History: Documentation of past insurance coverage, if applicable.
Vehicle Identification Number (VIN): The VIN helps identify the specific vehicle being insured.
Address Proof: A document that verifies your current residential address, such as a utility bill or lease agreement.
Payment Information: Credit/debit card or bank details for premium payments.

How to Report Claims for Fidelity Car Insurance?

Filing a claim with your Fidelity auto insurance policy is a straightforward process designed for your convenience. Follow these steps to ensure a smooth experience:

Report the Incident: Contact Fidelity Insurance Company immediately to report the accident or damage.
Gather Information: Collect all relevant details, such as the date, time, location of the incident, and any witnesses.
Submit Documentation: Provide necessary documentation, including photographs of the incident, police reports (if applicable), and any medical reports.
Claim Assessment: A claims adjuster from Fidelity United Insurance will evaluate your claim and communicate any next steps.
Receive Resolution: After the assessment, you will be informed of the coverage applicable to your claim and any payment details.