Liva Car Insurance (RSA)

The UAE branch of the world-famous London-based RSA insurance company has recently joined powers with the NLGIC Group to form Liva Insurance Company. Despite the merger, the company’s services and processes remain unchanged, and customers will only see a new brand name on their insurance certificates.

RSA/Liva Car Insurance Overview

Liva Insurance (formerly RSA UAE), a merger of British RSA and Oman's NLGIC Group, delivers 80+ years of global expertise with localized UAE solutions. Regulated by the Dubai government, key highlights include:

• Market Position: Top 10 UAE insurer covering 200,000+ vehicles.

• Digital Efficiency: Buy RSA Car Insurance in <3 minutes via LookInsure with Tabby/Tamara installments (4-12 payments) .

• Claims Excellence: 94% settlement rate with 24-hour minor claim approvals.

• Global Backing: Backed by RSA's London HQ ($15B assets) and NLGIC's GCC network.

Types of RSA Car Insurance in Dubai

Just like other companies, RSA, which is now called Liva Insurance, offers two basic types of car insurance, comprehensive and third-party; however, their insurance plans come with different names:

Motor Executive

Benefits and Coverage of Liva Car Insurance in UAE

1. GCC Mobility:

   • 90-day coverage in Oman/Saudi Arabia (Motor Executive)

   • Includes roadside assistance abroad

2. Garage Perks:

   • 12 annual free car washes at Oasis Car Care

   • 25% off electrical/mechanical services

3. Claims Efficiency:

   • 24-hour approvals for damages ≤AED 20,000

   • On-the-spot authorization at 400+ garages

4. Financial Flexibility:

   • 35% no-claim discount after 7 years

   • Tabby installments (4 interest-free payments)

What Is Covered Under Liva Motor Insurance Plans?

Motor Executive Includes:

• Collision Repairs: OEM parts at Al Futtaim Automall

• Natural Disasters: Sand ingestion, flood, electronics damage

• Theft Replacement: Full value for vehicles ≤6 months old

• Medical Protection:

  • Driver: AED 500,000

  • Passengers: AED 200,000 each

• Specialized Protections:

  • Child seat replacement

  • Personal belongings (AED 10,000)

Motor Smart Covers:

• Own-damage repairs

• Third-party liabilities

• Free maintenance package

Add-ons for Liva Car Insurance Plans

What Is Not Covered Under Liva Car Insurance Plans?

• Exclusions:

  • Track racing (Yas Marina/Dubai Autodrome)

  • Mechanical wear-and-tear

  • Ride-hailing without commercial endorsement

• Territorial Limits:

  • Off-road damage without Desert Pro

  • Incidents outside GCC without International+

• Conduct Violations:

  • Blood alcohol >0.00%

  • Expired registration (>30 days)

Documents Required to Buy Liva Car Insurance

Here is a list of documents you need for buying RSA motor insurance:

• Emirate ID
• Driving License
• KYC or Know Your Customer certificate
• Car Registration Number
• Vehicle Number Plate
• Transfer of Ownership Certificate (for used cars)

How to Report Claims for Liva Car Insurance

To file a claim with Liva Insurance you can either call their claim processing team at 800 774, email them at [email protected], or file your claim online using their website. To do this you have to follow the steps below:

• Go to their website
• Click on “Claims” on the top right corner
• Choose “Car”
• Enter your policy number and email

After the last step, you will be redirected to a form that you have to fill out with your personal information and a detailed account of the accident. Moreover, you will be required to upload some documents such as a copy of your personal documents, your car registration certificate, and more importantly, a police report.

Documents Required to Claim Liva Car Insurance

• Police report (within 24 hours)

• Driver's license + Emirates ID copies

• Vehicle registration card

• Repair estimates

• Theft Cases: FIR report + original keys

How To Renew RSA Motor Insurance Plan?

1. Log In: LookInsure Liva Portal

2. Apply Discounts:

   • 35% no-claim bonus (if eligible)

   • 15% multi-policy discount

3. Adjust Coverage:

   • Add/remove Desert Pro or EV Secure

4. Payment:

   • Tabby installments or credit card
     Grace Period: 30 days

Why Buy Liva Car Insurance Policy in UAE?

1. British-GCC Fusion:

   • RSA's global claims expertise + NLGIC's local market mastery

2. Exclusive Perks:

   • 12 free car washes (unmatched in UAE)

   • Priority servicing at dealerships

3. Superior Coverage:

   • 90-day GCC protection (3x longer than competitors)

   • Child seat replacement

4. Award-Winning Service:

   • 2023 "Best Post-Merger Insurer" (Middle East Insurance Awards)

   • ISO 9001 certified operations

5. Sustainability Focus:

   • 20% discount for EVs/hybrids

   • Carbon-offset claims processing