Basic Account summary

Instant Quote	Competitive	Insured Online	AXA claim call center
Yes (in 60 seconds)	Yes (against the market)	Yes (within 10 Minutes)	Yes (24 Hours)

HSBC are now offering fast, competitive car insurance quotes online. Simply answer a couple of questions and a quotation will be delivered to your inbox within 60 seconds.

You'll benefit from comprehensive AXA cover. And if you pay for your insurance with your HSBC Credit Card you'll get 6 months 0% interest too.

Here's what you get:

• 24-hour accident and recovery service
• 2 years agency repairs for new vehicles
• Off-road cover for 4WD vehicles

More great benefits:

• No excess payable for windscreen damage - up to AED 5,000
• Up to AED 4,000 for personal belongings cover
• New vehicle replacement - for write-offs of brand-new vehicles, in the first six months

Plus:

• Extended cover - includes visits to Oman
• Discounted international driving license
• 24 hour AXA claim call center
• 12 months guaranteed repairs

Medical expenses. Here's what you get:

• Personal injury cover for the driver up to AED 20,000
• Emergency medical expenses up to AED 3,500 per person

Optional cover. Here's what you get for a small premium:

• Free hire car cover for 7 days per accident
• Personal accident cover of up to AED 200,000 - for the driver and passengers

More great benefits:

• Protected no Claims Discount
• Agency repairs - for up to 5 years
• Annual vehicle registration service

You can get Motor Insurance if:

• You're a UAE resident
• You're over 25 years old
• Your vehicle is less than 7 years old
• Your vehicle is worth AED 350,000 or less

Motor Insurance Exceptions

• Mechanical or electrical breakdown or wear and tear
• Overloading in terms of number of passengers
• Damage to tyres in isolation
• Using it for the purpose it is not registered for. e.g. commercial, racing, tourism
• Driver at the time of accident is below the age of 25
• Driver at the time of the accident does not have a valid UAE license
• Vehicle is driven under the influence of alcohol, drug,
• If the accident is due to traffic violation
• Reasonable care is not taken. Ex: leaving the keys in the ignition
• War and terrorism
• Outside territorial limits

Exclusions have been kept to a minimum. Details of full exclusions will be available on the policy terms & conditions

Why do I need 13 months of Insurance?

The Traffic Department insists on a 13-month insurance certificate each time you register a vehicle. They provide you with the registration for 12 months and give you a one month grace period to re-register the following year. The 13 months insurance requirement is intended to reduce the number of uninsured vehicles on the roads.

Why can't the insurance and registration be in two different names?

The Policy Holder should normally be both the main driver of the vehicle and the registered owner. The Policy Holder must have a financial interest in the vehicle. The traffic department will only register a vehicle in the name stated on the insurance certificate.

How do you calculate my insurance premium?

A number of factors are used to calculate your insurance premium. Amongst these factors are the age of the driver, length of driving experience, claims history, location, vehicle value and type.

Why can't the insurance be transferred when the vehicle is sold?

As the insurance premium is affected by the profile of the driver, it is not possible to simply transfer insurance cover from one driver to another. The existing policy must be cancelled. The new owner will then be given a new insurance policy that is required for registration purposes.

What garages will AXA use to repair my car?

If you have selected Agency Repairs then your vehicle will be repaired at the vehicle's authorized dealership. Otherwise AXA will select one of its own authorized repairers.

How does AXA's motor insurance differ from other insurance companies?

AXA provides one of the highest levels of motor protection in the Middle East - combined with the security and service standards of a large international operation, 24-hour accident recovery, guaranteed repairs and extended opening hours.

Can I choose which garage I want to take my vehicle to?

If you have opted for Agency Repairs then your vehicle will be repaired at the main authorized dealership. Otherwise AXA will select one of its authorized repairers. The garage that AXA choose will depend on the vehicle type, nature of damage and availability.

Why has my excess increased?

The standard excess is increased for high value vehicles, high performance vehicles, young drivers and for drivers with a poor claims history.

If my car is damaged due to a hit and run incident, will it affect my no claim bonus?

If AXA are unable to recover the claim cost from a Third Party then unfortunately this will be treated like any accident and will affect your no claims bonus entitlement. On the order hand, no excess is payable on recoverable claims.

Does my policy cover off-road damage?

Your AXA policy automatically covers private cars when being driven off-road provided your car has 4-wheel drive capability and you are not using the vehicle in a race or competitive event.