TAKAFUL MOTOR PLAN

Your car is your prized possession. It helps you work, travel and see friends. Most importantly, it keeps your family safe. That’s why a comprehensive Takaful policy that covers not just your vehicle, but all its passengers too, is crucial. And it’s why, in partnership with Takaful Oman, we’ve launched Takaful Motor Plan, the hassle-free way to know that your car is fully covered.
 
Whether you’re buying a motor policy for the first time or renewing your existing policy, at NBO we make the process simple, straightforward and easy. and  offer you a wide range of options at great rates.
 
All our motor policies include cover for:

  • Accidental damage to your car and any other car, passengers or third party involved in an accident you cause
  • Damage caused from fire or theft of your vehicle
 
 
Reasons to smile:

 

 

  • Attractive comprehensive and third-party cover rates, including flexible payment options
  • Up to five years’ agency repairs
  • Free UAE cover
  • Optional car replacement cover in case of accident
  • Free personal accident cover for private vehicles with up to five passengers
  • Free medical expenses cover for medical emergencies due to an accident involving the covered vehicle
  • INSTANT Issuance of Takaful policy.– your cover starts immediately
  • Smooth and seamless claims process to offer you extra peace of mind
 
 
Comprehensive Takaful Coverage:
Comprehensive coverage through Takaful Motor Insurance from NBO protects you against loss or damage to your insured vehicle (Own Damage), as well as providing third-party coverage. You can also cover your car against road accidents, theft, fires, and natural disasters such as floods and lightning strikes.
           
Optional extras:
For just 30 baizas per day, you can enjoy:
  • Car replacement benefit for up to 15 days*
  • pick-up and delivery of your car for routine maintenance once a year*
  • Annual Worldwide travel cover (unlimited trips of up to 92 days per trip)*
 
For a small extra contribution, dealer repairs can also be upgraded to three years from the vehicle’s first registration.
 
*T&Cs apply

 

 

 

Takaful Motor Plan is available on cars registered to Omani citizens and expatriate residents who are:

  • National Bank of Oman customers

 

 

  • Standard cover is available for sedans and four-wheel drives for private use. The policy excess is as per UMIP-CMA guidelines.
  • Commercial vehicles, taxis, rent-a-cars, trucks and driving school vehicles will be subject to a separate tariff. Policyholders under 25 years old may also be subject to a separate tariff.
  • Takaful Coverage is also available to company-registered vehicles for social, commercial and domestic use. A separate tariff will be applied.

 

 
To secure your Takaful Motor plan, you will need your driving license, Mulkiya, and national ID card. Please also supply a copy of your ‘No Claims Discount’ letter if you have one. You may either visit the nearest National Bank of Oman branch or call the bank helpline number. The process will managed by your Relationship Manager of the bank.

Private Vehicles - Comprehensive Premium Structure and Key Benefits:

Particulars RetailPriority Banking
CoverageOwn Damage + Third PartyOwn Damage + Third Party
Repair Service @ Agency1st & 2nd Year*Upto 5 Years**
Geographical Extension- UAE cover FreeFree
Orange Card FeeRO 2/VehicleRO 2/Vehicle

Personal Accident Cover

(Driver + Upto 4 Passengers)

Free Free

Personal Accident Cover for More than 4 Passengers

 

RO 3 per seat RO 3 per seat
Roadside AssistanceFree Free
Medical Expenses CoverFreeFree
Comprehensive coverage provided upto7 years 7 years

Premium Rate

For Drivers Aged Above 25 Years

1.8% for all type of Vehicles up to the Value of OMR 50,000

(except Sports, Coupe and High Performance Vehicles.)

Min Premium for Drivers Aged Above 25 years RO 110
Premium Rate for Driver Aged upto Age 25 years

2.3% for all type of Vehicles up to the Value of OMR 50,000

(except Sports, Coupe and High Performance Vehicles. )

Min Premium for Drivers Aged upto 25 years RO 130
Car Replacement due to Accident NAAvailable during policy inception @ additional RO 110
TP Limit RO 150,000RO 150,000
Deductible for Drivers Above 25 yearsRO 50/ClaimRO 50/Claim
Deductible for Drivers Aged upto 25 years RO 100/claimRO 100/claim

*A special price of RO 105 to be paid as additional premium annually to avail this benefit in the Second Year

**Flat rate of 3% from third year to fifth year.

-Import vehicles are excluded from Comprehensive Cover

-Govt Tax @ 1.85% of total premium



Private Vehicles - Third-Party Premium Structure and Key Benefits:

Particulars Customers
CoverageThird Party Only  
Geographical Extension –UAE cover   Free 
Orange Card FeeRO 2/Vehicle 

Personal Accident Cover

(Driver + Upto 4 Passengers)

Free  

Personal Accident Cover for More than 4 Passengers

 

RO 3 per seat  
Medical Expenses CoverFree 

Premium Rate with PAB cover

(Drivers aged Above 25 Years )

RO 55 for all types of vehicles (except Sports, Coupe and High Performance Vehicles.)

Premium Rate without PAB cover

( Drivers Aged Above 25 Years)

RO 45 for all types of vehicles (except Sports, Coupe and High Performance Vehicles.)
Premium Rate for Under Aged Drivers upto Age 25 years RO 65 for all types of vehicles (except Sports, Coupe and High Performance Vehicles.)
TP Limit Ro 150,000
Deductible for Drivers Above 25 yearsRO 50/Claim
Deductible for Drivers Aged upto 25 years RO 100/claim
Govt Tax 1.85% of total premium

 


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