The policy cannot be cancelled by the insured and cannot be transferred to another vehicle.

The policy has no cancellation value. The Company shall not return any premium to the insured in the event that this policy is invalidated or if cover be no longer required.

Subject to the Company's approval, this policy may only be transferred with the vehicle to a new PRIVATE OWNER who is not directly engaged in the business of motor vehicle manufacturer, supply or sales. Application must be made at the time of change of ownership and the additional premium paid to the company (returnable if transfer not accepted).

The Company reserves the right to specify the use of guaranteed (for 6 months), reconditioned or exchange components when appropriate. If the insured insists upon the use of new components on a vehicle more than 12 months old, then he may be requested to pay the difference in cost between a new and used component. Conversely, if it is impossible to obtain a used component for a vehicle over 12 months old, the Company will pay for necessary new component(s) without seeking any difference in cost from the insured.

No repairs may be undertaken or commenced under the terms of the policy without prior approval from the company. An authorized repairer must carry out all repairs. All claims must be supported with the relevant documentation. The Company reserves the right to examine the vehicle and subject it to independent assessment. The result of the assessment will determine the insured liability subject to the Maximum claim liability. The insured is also allowed the right to appoint his / her own independent assessor / arbitrator.

If, after the vehicle has been presented for repair and in respect thereof has been dismantled in part or in full, it is discovered that the fault is not covered or is specifically excluded by this policy, the insured shall be liable to pay to the authorized repairer the cost of such dismantling and the costs of any repairs authorized by or carried out on behalf of the insured.

The vehicle must be regularly serviced at the correct time(s) and kilometer intervals as recommended by the relevant manufacturer. Failure to service the vehicle according to such recommendations will render the Policy voidable.

If the insured makes a claim, knowing the claim to be false and / or fraudulent as regards the value or the amount of work or otherwise, this policy shall be deemed to be voidable and the right to prosecute is reserved by the Company.

The terms and conditions of your Policy cannot be altered or amended by any person except by specific written endorsement by the Company.

Authorised Repairer
The supplying dealer or branch of the manufacturer that sold the vehicle, or a repairer approved by the company.

Cover Provided
The company will indemnify the insured against loss, for both parts and labour, due to a mechanical or electrical breakdown of the components specifically covered, occuring during the validity of this policy and within the territorial limits.

Current Total Premium
The price for warranty coverage as described in the warranty policy for a specific period of time/kms.

Mailing Address
This is listed on the policy as the address to which policy information should be mailed. This may not be the same address as the location the insured lives, but may be a P.O. Box or rural delivery route where mail is delivered.

Maximum Claim Liability
The company's liability to the insured is as stated on the proposal form/policy schedule
Mechanical or Electrical Breakdown The loss of service of a covered component for a reason other than wear and tear or normal deterioration, causing a sudden stoppage of its function.

Mechanical and Electrical Components
Covered Unless otherwise specified, the indemnity granted by this section relates the costs necessarily incurred in the repairs to components as listed in the "Components Covered" page, and up to the maximum liability that has been accepted and approved by the company.

Policy Last Amended
The effective date of a policy change. This date may be the policy’s effective date or a date any time during the policy term.

Policy Number
This is a number identifying the customer. Customers need to keep this number handy to help speed transactions with the Company.

Policy Term
The length of time that a policy is in force

Proposal Form/Policy Book
This document specifies the policy forms which comprise a contract, and shows the coverage effective date, limits and premiums. Please refer to this document for an overview of your policy.

Temporary Address
An address where the policy holder resides for six months of the year or less while maintaining a permanent residence elsewhere. Mail is directed to this temporary address unless there is a different mailing address on the policy.

Territorial Limits
Cover is restricted to the United Arab Emirates, Oman, Kuwait, Bahrain, Saudi Arabia ,Qatar ,Yeamen,Lebanon & Syria only

The Insured
The owner of the vehicle as named on the Proposal Form/Policy Book or such other subsequent owner to whom the benefits of the insurance is validly transferred.
The Vehicle The motor vehicle detailed in the Proposal Form/Policy Book
The Company Oman Insurance Company PSC
The Dealer The dealer from which the owner acquired the policy.