Car - Frequently asked questions

For a question on our Car Insurance products you can search our FAQ section below. If you’re unable to find an answer to your question here, speak to one of our dedicated insurance advisors on +968 249 35 050

1.What is the "No Claim Discount" (NCD)?

A "No Claims Discount" (NCD) is the discount given on your premium following one or more complete years of cover without a claim. The amount of discount begins at 5% but could be earned up to 40%

2.I have an old car. Can you provide comprehensive cover for all vehicles irrespective of vehicle age?

No. Comprehensive cover is available only for vehicles up to the age of 5 years. If you require Comprehensive cover for any vehicles over 5 years, your application will need to be referred to our insurance specialists who will review each case and will be as supportive as possible in helping you with your requirements.

3.I have a comprehensive car insurance policy. What will it cover?

  • Damage to your motor vehicle due to accidental collision, overturning, fire, external explosion, self-ignition, theft, or a malicious act unless specifically excluded
  • Expenses against third party bodily injury/ property damage arising out of use of the insured vehicle

4.I only have a third party liability policy. What will it cover?

  • Death or bodily injury to any third party/person.
  • Damages to third party property arising out of the use of your motor vehicle.

5.What is the excess (deductible) if I claim?

The fixed amount specified in the policy schedule to be borne by the Insured for each accident. Our standard excess is as per the Omani law.

6.I have just had an accident. What do I need to do to apply for a claim?

In the unfortunate event of a claim you will need to submit the following documents along with your claim form: 

  • Al Ahlia Claim Form
  • MRTA (Minor Road Traffic Accident Form) in case of minor accidents
  • Copy of driving license
  • Copy of registration card (mulkhiya)
  • Police report

7.Am I eligible for agency repair cover?

Oman regulations support agency repair cover in the first year following registration as a new vehicle. In subsequent years, we offer agency repair cover at an additional premium.

We do not usually offer agency repair for older vehicles, however if do you require this cover, your application will need to be referred to our insurance specialists who will review each case and will be as supportive as possible in helping you with your requirements

8.Do you provide insurance for high value cars and sport cars?

Insurance for high-value cars above RO 50k or sports cars can be arranged on a referral basis only. Visit any of our branches, or Call +968 249 35 050 for more information today

9.Can I cancel my policy at any time?

Policy cancellations may be considered in the following circumstances: 

  • Cancellation of the vehicle registration and validated by the ROP
  • Transfer of ownership of the vehicle to another person
  • The vehicle is insured by another insurer

Policy will be cancelled only after producing valid proof for all the above

10.If the policy is cancelled, do you return the premium for the unexpired period?

Premium for the unexpired period is returned as long as no claims were made during the insurance period. The refund is calculated on short period basis as per the Omani Law.

11.If i sell my car, is it possible to transfer the insurance to the buyer's name?

The contract of insurance is between you and Al Ahlia, it may not be transferred to any other person

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

This is an Oman Traffic law requirement.

13.What is an Orange card? When is it required? How do I get one?

An Orange card is a document developed by GAIF (General Arab Insurance Federation) for facilitating easier Motor Third Party claim settlement within its member countries. The Orange Card covers damages caused by the Insured to a Third Party in a foreign GAIF member country.

An Orange Card is required when you are visiting one of the GAIF member countries. The list below includes all member countries.

  • Jordan
  • UAE
  • Bahrain
  • Tunisia
  • Algeria
  • Syria
  • Iraq
  • Qatar
  • Kuwait
  • Lebanon
  • Libya
  • Egypt

The Orange Card can be collected from any of our Branches.

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