As HSBC's insurance partner, AXA provides three packages, which give you the flexibility to choose the right cover based on your individual needs - with everything you'd expect, plus some features you might not.
|Benefits||Motor Prestige||Motor Perfect||Motor Select|
|Loss or damage to the insured vehicle||Yes||Yes||Yes|
|Third party bodily injury||Yes||Yes||Yes|
|Third party property damage||Yes AED 5 Million||Yes AED 3.5 Million||Yes AED 3.5 Million|
|Legal Liability extended to include family members as Third Party||Yes||Yes||Not Applicable|
|Fire and theft cover||Yes||Yes||Yes|
|Storm, flood, riot and strike||Yes||Yes||Yes|
|Personal injury cover||AED 20,000||AED 20,000||Not Applicable|
|Emergency medical expenses||AED 6,000||AED 3,500||Not Applicable|
|Personal belongings||AED 4,000||AED 4,000||Not Applicable|
|Off road cover||Yes||Yes||Not Applicable|
|Agency repairs||Included - 5 years||Included - 2 years Optional up to 5 years||Not Applicable|
|Back to invoice for total loss||24 months from first registration||6 months from first registration||Not Applicable|
|Waiver of excess for windscreen damage||Yes||If below AED 5,000||Not Applicable|
|Personal accident benefit - driver||Optional - AED 350,000||Optional - AED 200,000||Optional - AED 200,000|
|Personal accident benefit - passengers||Optional - AED 200,000||Optional - AED 200,000||Optional - AED 200,000|
|Hire car benefit||Yes up to AED 1,500||Optional up to 7 days||Optional up to 7 days|
|24 hour accident and breakdown recovery||Yes||Yes||Yes|
|GCC cover||Optional||Optional||Not Applicable|
|Pickup and delivery||Yes||Optional||Optional|
|Claims Single Point of Contact||Yes||Not Applicable||Not Applicable|
You can get AXA Car Insurance if:
- You are a UAE resident
- You are an existing customer of HSBC
- You have a valid UAE driving license
- Your vehicle is UAE registered
- You have not been disqualified from driving, have no criminal convictions and have not been refused insurance or had any special terms imposed in the past 5 years
Loss of or Damage to your vehicle
Cover for the accidental loss of or damage to the insured vehicle due to an insured incident.
Third Party Bodily Injury
Cover for your legal liability in the event that you have to pay compensation for any bodily injury to or death of a third party, following an accident.
Third Party Property Damage
Cover for your legal liability in the event that you have to pay compensation for damage to materials and property, following an accident.
Cover for a limited amount of medical treatment incurred as a direct result of an accident when using the insured vehicle.
Cover for the value of loss or damage caused to your personal belongings whilst in the insured vehicle.
Natural and Social Perils
Your policy cover extends to include accidental loss of or damage to the vehicle caused by natural or social perils such as storm, flood, riot and strike.
Cover whilst car is temporarily being driven in the Sultanate of Oman.
Repair of accidental damage of the insured vehicle at the manufacturer's authorised dealers within the UAE.
Hire car and AXA Valet
Hire car facility at the time of a covered accident is supported by AXA’s valet service which will deliver the hire car to your home or office and also collect the hire car once your car’s repairs are complete.
Extensive breakdown and accident recovery is offered 365 days a year to your vehicle and any private vehicle in which you are travelling. AXA also commit to reaching the breakdown site within an hour of request otherwise AXA will pay you AED 150 (within the urban areas of Dubai & Abu Dhabi).
Personal Accident benefits for driver
Compensation to the driver of the vehicle in the event of death or serious bodily injury sustained whilst using the vehicle.
Personal Accident benefits for passengers
Compensation to the passengers in the vehicle in the event of death or serious bodily injury sustained whilst using the vehicle.
Under this cover, the loss of or damage to your vehicle is extended to all GCC countries. This does not include third party liability cover, which must be purchased separately at the border.