Policy excess refers to the amount specified in the policy schedule to be borne by the Insured for each separate accident/incident generating a damage for which there is no identified responsible third party by the Police Department. This amount is detailed in your Policy documents

You will be required to pay the Excess amount when collecting your vehicle from the workshop. If the repair is done by the Agency, you will be required to pay the Excess amount before dropping your vehicle to the Agency. We will provide you with a payment link for settling the Excess amount.

Your vehicle could be considered a Total Loss under the following circumstances:
* If your car is totally damaged beyond repairable conditions due to an accident covered under your policy, we will pay the market value of the car at the time of loss, up to the insured value.
* If the repair cost of your vehicle exceeds 60% of the market value of your car, we may consider it uneconomical to repair. In this case, we will pay the market value of the car at the time of loss, up to the insured value, after deducting the applicable excess.

You will receive an Offer Letter from our Total Loss Department detailing compensation offered and all the further steps and procedures to be followed in completing the transaction. 

The Depreciation percentage is applicable as defined in the Policy Terms and Conditions with respect to the age of the vehicle.
The Depreciation percentage is applied on the net cost of the spare part, you may verify the purchase invoice before paying.

If you are eligible for Agency Repairs, your vehicle will be repaired at the vehicle's authorized Agency. If you are entitled for Non-Agency Repairs, the repairs will be arranged at one of our authorized network garages located nearest to you. These garages are selected based on their quality, experience, expertise, and market reputation.

Yes, anyone on a Visit Visa can drive a private vehicle if he/she holds an international or converted driving license, and the claim is covered under these circumstances

Rental car extension is not available for claims, as hire car service is provided as a benefit according to the Policy Terms and Conditions.

To book a rental car service, please follow these steps:

Ensure that you are eligible for hire car coverage under your policy.
Confirm that a claim has been opened and you have a valid claim number.

Call our toll-free number at least 24 hours in advance to ensure availability.

The GIG Gulf Policy Reference Number is mentioned in your Policy Schedule Document. For example, it might look like this: 60/VA/123456789/0/0.

If your policy includes Home Assistance coverage, you can contact us on our toll-free number and select the "Home Assistance" option, which is available 24/7.

You can register your claim online in 5 minutes by following these steps:

Visit the GIG Gulf customer portal at https://www.giggulf.bh/en/customer-portal

Ensure you have the following information ready:
- Your GIG Gulf Policy Reference Number
- The Driving License of the person who was driving the car at the time of the accident (Front & Back sides)
- Your Car Registration Card (Front & Back sides)
- A Police Report or confirmation from the E-Traffic App

Once the online form is completed with the required details completed, you will receive a confirmation along with your Claim Reference Number.

1. Roadside Assistance:
If you need roadside assistance, please call our toll-free number. We will coordinate with the towing service to assist you.

2. Get the Police Report:
For minor accidents without injuries, report the accident through the E-Traffic App. Ensure the faulty party acknowledges their responsibility and take clear photos of the damage and the license plates involved.
In the unfortunate case of injuries, call the police at 999 .

3. Register Your Claim:
You can register your claim online on the GIG Gulf website at https://www.giggulf.bh/en/customer-portal . You will receive your Claim Reference Number.

4. Workshop/Agency Allocation:
Once your claim is opened, GIG Gulf will send you a confirmation email or SMS with details of the workshop or agency (if eligible for agency repair) where you can drop off your vehicle for a repair estimate.

5. Rental Car Booking (if eligible):
If your policy includes hire car service, you can book a rental car by calling our toll-free number at least 24 hours in advance.

6. Repair:
Once repair is authorized, you will be notified via SMS/email.

Note:
For traffic collision claims where a third party is at fault, it is mandatory to wait for approval from the third party's insurance company before proceeding with the claim.
For claims where you are responsible for the damage (any claim that is non-recoverable), you will need to pay the standard excess amount to the workshop (and any other applicable excess), as per policy terms and conditions.

7. Real-Time Tracking Status of the Claim:
You can track the status of your claim on the GIG Gulf website at https://www.giggulf.bh/en/track-motor-claims  using your Claim Reference Number.

You can register your flood claim online in 5 minutes by following these steps:

Visit GIG Gulf customer portal at https://www.giggulf.bh/en/customer-portal .

Ensure you have the following information ready:
- Your GIG Gulf Policy Reference Number
- The Driving License of the person who was driving the car at the time of the accident (Front & Back sides)
- Your Car Registration Card (Front & Back sides)
- Police Report or confirmation from the E-Traffic App mentioning the date of the incident as the actual date of the flood
- Clear pictures of the damage
- GIG Gulf Claim Form fully filled and signed by the insured (available for download at the provided link).

If the vehicle was flooded while in the designated parking of any building, ensure to mention the full building details in the claim form:
* Building No.
* Block No.
* Road No.
* If the insured is a tenant, the apartment number.
If your car was parked at the time of the flood, select "I was driving the car" on the online form.

Once the online form is completed with the required details completed, you will receive a confirmation along with your Claim Reference Number.

We will notify you about the progress of your claim through the journey. For immediate updates, you can track your claim using our website https://www.giggulf.bh/en/customer-portal  

You can register your windscreen claim online in 5 minutes by following these steps:

Visit GIG Gulf customer portal at https://www.giggulf.bh/en/customer-portal .

Ensure you have the following information ready:
- Your GIG Gulf Policy Reference Number
- The Driving License of the person who was driving the car at the time of the accident (Front & Back sides)
- Your Car Registration Card (Front & Back sides)
- GIG Gulf Claim Form fully filled and signed by the insured (available for download at the provided link)
- Clear pictures of the damage

Once the online form is completed with the required details completed, you will receive a confirmation along with your Claim Reference Number.

If your policy is eligible for Airport Pickup/Drop off service, please click the link below to book the service. Make sure to book the service at least 48 hours in advance:
https://www.giggulf.bh/en/customer-portal

If your policy is eligible for Car Service Pickup & Drop off service, please click the link below to book the service. Make sure to book at least 48 hours in advance:
https://www.giggulf.bh/en/customer-portal

Please contact our technical team directly via email at motorclaims.ml@gig-gulf.com . Kindly include your Claim Reference Number and contact details for assistance regarding your reimbursement payment.