Breadcrumb

WC_MAIN_BANNER_PERSONAL_CAR (Copy)

WC_QUICK_LINKS_CAR_BH

WC_BENEFITS_MOTOR

Free airport pick-up and drop-off concierge service

Free pick up and drop off for your car service

WC_ARTICLE_PERSONAL_CAR_MAIN_COVERS

Main Covers

Main Covers

As the largest global insurance provider in Bahrain, we strive to provide you with a wide range of car insurance covers to fit your needs, while making sure we provide excellence and quality in everything we deliver.

Comprehensive car insurance

Our comprehensive car insurance protects you, your passengers and your vehicle. Your vehicle can be insured with this product 
if it is up to 15 years of age. The premium includes:

  • Car loss or damage compensation to your vehicle including personal belonging.
  • Third party liability against personal injury and property damage.

Third party car insurance

Our third party car insurance protects you against your liability towards third party personal injury and property damage. For your peace of mind this cover is required for all Bahrain drivers.

For more information about other covers, please refer to the Product Summary table.

Additional benefits

Additional benefits

To ensure you keep on moving, we provide you with 
the below services (depending on the product selected):

  • Coverage of the cost of the car, as per original invoice in case of total loss (no depreciation for 24 months)*.
  • Option to repair at agency/dealership or with GIG network garages.
  • Replacement vehicle in the event of a claim*.
  • 24/7 roadside assistance & breakdown recovery.
  • Off road cover.

Do you have a loan on the vehicle?

Lenders usually require comprehensive insurance on vehicles they have financed.

*T&Cs apply. Cover is applicable only if specifically stated on your Policy Schedule. 
Please read all the exceptions and conditions that apply to each Section of Your Policy.

WC_ARTICLE_CAR_FAQS_BH

Frequently asked questions about Car Insurance

Car insurance offers financial protection against physical damage or bodily injury resulting from traffic collisions and other unforeseen incidents.

Yes, car insurance is a legal requirement for all vehicles in the Bahrain. You cannot register your car without valid insurance coverage.

Comprehensive car insurance covers damages to your own vehicle as well as third-party damages. Third-party insurance only covers damages caused to another person’s property or injuries. We offer three tiers at GIG Gulf, covering all eventualities.

Insurance premiums are calculated based on factors like the vehicle’s age, model, value, driver’s age and driving history, and the type of coverage selected.

The cost of car insurance in the Bahrain is influenced by vehicle and driver-specific details. The age and condition of the vehicle play a pivotal role; older cars might be more expensive to insure due to potential issues, while newer, well-maintained vehicles often attract lower premiums. The driver's age is another significant factor, with younger and much older drivers typically facing higher rates due to statistical accident probabilities. A driver's record, both in terms of driving behaviour and claim history, can increase or decrease premiums. The vehicle's market value also matters; higher-value cars might attract higher insurance rates. Additionally, the type of insurance plan, its coverage, and the chosen deductible amount will effect the final premium.

Yes, the no-claims discount, or no-claims bonus, is transferable. You can obtain a certificate from your previous insurer and present it to the new provider to benefit from the discount. 

After ensuring everyone's safety, report the accident to the police. You will need the police report to process your claim. Contact us when you have the report or submit a claim using our online claim tool. Once the claim is submitted, you will receive an SMS providing the claim reference number and contact details of the workshop as per your policy coverage.

Some policies offer GCC-wide coverage as an optional add-on, while others may include it in their
standard packages. You can add GCC coverage to your GIG Gulf Motor Prestige or Motor Perfect
insurance policies when getting a quote.

Off-road coverage is designed to protect your vehicle during off-road adventures. GIG Gulf’s Motor Third Party does not cover off-roading, but Prestige and Perfect do.  

Driving without insurance is illegal and can result in hefty fines, black points on your driving license, vehicle impoundment, and difficulties obtaining future insurance coverage.

Yes, all GIG Gulf policies offer extensions to cover legal liabilities for family members as third parties. Check the terms and conditions to find put details depending on your policy.

You can renew your GIG Gulf car insurance online Here

WC_TABLE_CAR_INSURANCE

Motor Prestige
Motor Perfect
Loss or damage to the insured vehicle
Fire & theft
Riot, Strike & civil commotion
Natural perils, including storm & flood
Replacement of locks
Up to BD 250 Up to BD 250
New car replacement
24 months from 1st registration 6 months from 1st registration
Off road cover (4WD ONLY)
Emergency medical expenses
Up to BD 200 Up to BD 100
Clothing and personal effects
Up to BD 200 Up to BD 100
Agency repairs
Up to 5 years Up to 3 years *
No depreciation on spare parts
Up to 5 years Up to 3 years *
Personal Injury
Up to BD 5,000 Up to BD 2,500
Windscreen or window breakage
1.3L Replacement Hire Car
Not Applicable Optional - Up to 7 days
Upgraded 2.2L Hire Car
Yes - Up to 10 Days Optional **
Accident and breakdown rescue
Optional **
Personal accident benefit - driver
Optional ** Optional **
Personal accident benefit - passengers
Optional ** Optional **
GCC Cover
Optional ** Optional **

* For the first three years of the car and extendable to five years maximum, subject to an additional premium.

** Cover is only applicable if specifically confirmed on your policy schedule. All above limits are in BHD

WC_ARTICLE_PERSONAL_CAR_CLAIMS_SECTION

Click Here to book the following services:

  • Airport pickup and drop-off
  • Car pickup and drop-off to a service workshop

How to submit your insurance claim

If you encounter any issue and want to submit a claim, our dedicated claims team can help you anytime with our hassle-free claims process, anywhere. Just tell us what happened and we will take it from there.

For endorsement or cancelation requests click Here.

You can get in touch with us through various touchpoints: Fill out this form or call 8000 1060 and one of our customer service representatives will guide you through your claim.

SUBMIT A CLAIM

WC_ARTICLE_PERSONAL_CAR_CLAIMS_DOWNLOAD