GIG Gulf Car Insurance

If you are in the market for car insurance in the UAE, GIG insurance is undoubtedly one of your best options. They are fairly well-known, highly prestigious, and quite modern in their operation, qualities that are sure to guarantee the best possible services for their clients, whether they want to insure a car or a whole company.

GIG Gulf Car Insurance Overview

GIG Gulf Insurance (formerly AXA Gulf) delivers premium GIG Car Insurance solutions across the UAE, leveraging 70+ years of international expertise combined with localized market knowledge. As the region's only insurer with dual ISO 27001 and ISO 9001 certifications, GIG Motor Insurance offers bank-grade security and unmatched reliability. With $3.5 billion in assets and an A+ rating from Standard & Poor's, GIG achieves a 97% claim settlement rate - the highest in the UAE insurance sector.

GIG Car Insurance Plans are engineered specifically for UAE driving conditions:

• Climate-Adapted Protection: Comprehensive coverage for sandstorm engine damage, flash flood electronics failure, and extreme heat breakdowns

• Luxury Vehicle Specialization: Direct repair partnerships with 20+ premium dealerships (Ferrari, Porsche, Rolls-Royce)

• Digital-First Experience: AI-powered claims processing via MyGIG app reducing assessment time by 70%

• Payment Flexibility: Interest-free installments through Tabby (4 payments) and Tamara (6-month plans)

• GCC Mobility: Included 30-day Oman coverage across all comprehensive plans

With 250+ network garages and 24/7 multilingual support (12 languages), GIG Motor Insurance Policies provide complete peace of mind for luxury car owners, EV drivers, and commercial fleets. GIG's acquisition of AXA in 2021 created the GCC's largest insurance network, now serving 12 countries while maintaining UAE-specific solutions.

They have branches in the following countries:

Types of Car Insurance Plans offered by GIG Gulf Insurance

GIG is their name, and health insurance is their game, but it doesn't stop there. With GIG gulf insurance you can take care of all your insurance needs. Here is a brief list of every type of policy offered by this company:

1. Prestige Comprehensive Plan

(For luxury/exotic vehicles)

• Agency Repairs: Manufacturer-certified facilities with lifetime warranty on OEM parts

• Personal Belongings Cover: Up to AED 20,000 for items stolen from vehicle

• Emergency Medical Coverage: AED 20,000 for accident-related treatment

• Replacement Vehicle: Premium sedan (Mercedes E-Class equivalent) for 14 repair days

• Concierge Services: Door-to-door vehicle collection/delivery

2. Perfect Comprehensive Plan

(Optimal for mainstream vehicles)

• Network garage repairs (250+ facilities)

• Medical expenses coverage: AED 6,000

• Personal accident protection: AED 200,000

• Roadside assistance including 100km towing

• Sandstorm engine flush coverage

3. Third-Party Liability

(UAE legal minimum)

• Third-party bodily injury: AED 3,500,000

• Property damage coverage: AED 3,500,000

• Optional personal accident add-on

• 10% discount for Dubai-registered vehicles

Specialized GIG Car Insurance Solutions

• Electric Vehicle Elite:

  • 25% premium discount

  • Battery degradation coverage (8 years)

  • Charging equipment protection

• Desert Pro 4x4 Pack:

  • Winching recovery from inaccessible areas

  • Undercarriage damage protection

  • Camping equipment coverage (AED 5,000 limit)

• Commercial Fleet Program:

  • 40% discount for 5+ vehicles

  • Centralized digital management portal

  • Driver telematics integration

What's Covered Under GIG Gulf Motor Insurance Plans?

Prestise Plan Coverage Includes:

• Collision repairs at agency-certified facilities

• Total theft recovery with forensic investigation support

• Sandstorm engine damage and interior detailing

• Third-party liability up to AED 5,000,000

• Personal accident coverage: AED 500,000 (driver)

• Emergency roadside assistance across GCC

Perfect Plan Protection:

• Accident repairs at network garages

• Flood damage to electronics and upholstery

• Medical expenses: AED 6,000

• Personal accident: AED 200,000

• Basic towing service (100km)

Third-Party Plan Essentials:

• Bodily injury to third parties

• Property damage to vehicles/structures

• Legal defense costs coverage

• Emergency ambulance access

Add-ons for GIG Gulf Car Insurance Protection

Customize your GIG Car Insurance Policy with these optional coverages:

Key Exclusions in GIG Motor Insurance Plans

GIG Car Insurance Policies do NOT cover:

• Competitive racing or timed events (track days, dune bashing competitions)

• Mechanical/electrical failures unrelated to collisions

• Damage from driving under influence (blood alcohol >0.00%)

• Intentional vehicle damage or fraud attempts

• Unapproved modifications (engine swaps, suspension lifts >2")

• Commercial ride-hailing without specific endorsement

• War, nuclear, or terrorism-related damage

• Off-road incidents without Desert Pro Pack

Critical Limitations:

• Agency repairs restricted to vehicles <5 years old

• Battery degradation claims require annual health reports

• Oman coverage is limited to 30 consecutive days

Documents Required to Buy GIG Car Insurance in Dubai, UAE

Purchase GIG Motor Insurance digitally with these documents:

Special Cases:

• Luxury Vehicles: Original showroom invoice

• Company Cars: Trade license copy

• Leased Vehicles: Bank NOC letter

• Expats: Passport copy with residency visa

Here is how to get KYC verification:

In order to get KYC verification, you will have to provide your insurance company with the following documents:

• Emirate ID or Visa for expats
• Driving License
• Vehicle Registration
• Proof of Address
• Bank Account Details

Through GIG Gulf Insurance:

Anything you want to do insurance-wise, you can do through AXA insurance or Gulf’s webpage, including renewing your policy. You can also do it over the phone or visit one of their branches in person if that’s more up your alley!

Through Lookinsure:

However, if you want to compare prices and make sure you are getting the best deal, you can use our easy-to-use, hassle-free website as well. In just 2 minutes you can do it all!

How to File Your GIG Gulf Car Insurance Claim

1. Immediate Notification

   • Call 800 292 (UAE toll-free)

   • Use MyGIG app emergency button

   • WhatsApp photos/videos to +971 800292

2. Digital Documentation

   • Upload 360° damage video via app

   • Complete digital claim form

   • Submit police e-report reference

3. AI Damage Assessment

   • Instant repair estimate within 15 minutes

   • Virtual adjuster consultation available

4. Garage Authorization

   • Choose from 250+ network garages

   • Track repairs via real-time dashboard

   • Receive vehicle delivery notification

Average Timelines:

• Minor claims: 4-hour approval

• Major repairs: 24-hour authorization

• Theft cases: 7-day investigation period

Documents Required for GIG Car Insurance Claims

Submit within 48 hours of the incident:

Core Documents:

• Completed GIG claim form

• Police report number

• Emirates ID copy (front/back)

• Valid UAE driving license

• Vehicle registration card (Mulkiya)

Situation-Specific Evidence:

How to Renew GIG Gulf Car Insurance Online

Renew your GIG Motor Insurance Policy in 5 minutes:

1. Access Portal
   Visit GIG Renewal Hub

2. Verify Details

   • Confirm vehicle information

   • Review current coverage

   • Check no-claim bonus status

3. Customize Coverage

   • Add/remove add-ons (e.g., Desert Pro Pack)

   • Adjust liability limits

   • Update driver information

4. Apply Discounts

   • No-claim bonus (up to 50%)

   • Safe driver reward (15%)

   • Early renewal discount (20%)

5. Secure Payment

   • Tabby (4 interest-free installments)

   • Tamara (6-month payment plan)

   • Credit/debit card (Visa/Mastercard)

Renewal Advantages:

• Free roadside assistance upgrade

• Loyalty cashback (5% after 3 consecutive years)

• Automatic NCB protection

• Priority claims handling

Why Buy GIG Gulf Car Insurance Policy in UAE?

7 Compelling Reasons to Choose GIG Motor Insurance:

1. Global Expertise with Local Focus
   70+ years GCC experience with UAE-specific solutions for sandstorms, floods, and extreme heat

2. Luxury Vehicle Assurance
   Only insurer with direct Ferrari, Porsche, and Rolls-Royce repair certifications

3. Industry-Leading Claims Speed
   4-hour approval guarantee for minor claims - fastest in UAE

4. Climate-Adapted Protection
   Comprehensive coverage for desert driving and coastal flooding risks

5. Unmatched Financial Security
   A+ S&P rating with $3.5 billion assets ensures claim payouts

6. Innovative Digital Experience
   MyGIG app featured "Best Insurance App" 2023 by MENA InsurTech Awards

7. Substantial Cost Savings
   Up to 50% no-claim discount + telematics-based safe driver rewards