HSBC The world's local bank

Motor Insurance

Agency repairs	Premiums	Alternative car due to accident	Off-road cover
Yes	Competitive against the market	Yes (optional, extra)	Yes

Here's what you get:

Motor Perfect Insurance benefits:

• Agency repair for brand new vehicles up to 2 years
• Nil depreciation on spare parts up to 2 years
• New car replacement (total loss of brand new vehicles) within 6 months from the first registration
• Extended cover includes visits to UAE
• Natural calamities cover including storm, tempest, flood, earthquake etc.
• Off-road cover for 4WDs
• Third-party benefits extended to include family members
• Vehicle towing service without limit on distance
• Cover extended whilst vehicle is in the custody and control of motor garage and valet parking with hotel, restaurants etc.
• First aid expense of OMR400 up to a maximum of OMR10,000
• Personal accident cover (each person as per vehicle seating capacity) up to OMR10,000
• Guaranteed repairs for 12 months
• Replacement of locks up to OMR250
• No excess payable for windscreen damage up to OMR200
• Personal belongings cover up to OMR100
• Third-party property damage up to OMR150,000

Optional covers under Motor Perfect Insurance with a small additional premium:

• Agency repair for the 3rd, 4th and 5th year
• Nil depreciation on spare parts for the 3rd, 4th and 5th year
• 24-hour accident and breakdown recovery services
• GCC cover for own vehicle damage
• Alternative vehicle during repair period
• Protected no-claims discount
• Cover for damage to insured's property outside the vehicle

Motor Executive Insurance benefits:

• Agency repair for brand new vehicles up to 5 years
• Nil depreciation on spare parts up to 5 years
• New car replacement (total loss of brand new vehicles) within 12 months from the first registration
• Extended cover includes visits to UAE
• Extended cover includes visits to any GCC country for own vehicle damage
• Natural calamities cover including storm, tempest, flood, earthquake etc
• 24-hour accident and breakdown recovery services
• Off-road cover for 4WDs
• Third-party benefits extended to include family members
• Vehicle towing service without limit for distance
• Cover extended whilst vehicle is in the custody and control of motor garage and valet parking with hotel, restaurant etc.
• First aid expense of OMR400 up to a maximum of OMR10,000
• Personal accident (each person as per vehicle seating capacity) up to OMR10,000
• Guaranteed repairs for 12 months
• Replacement of locks up to the actual cost of replacement
• No excess payable for windscreen damage
• Personal belongings up to OMR200
• Third-party property damage up to OMR250,000
• Protected no-claims discount
• Cover for damage to insured's property outside the vehicle

Optional Cover under Motor Executive Insurance with a small additional premium:

• Alternative vehicle during repair period

Third-Party Only Motor Insurance:

In addition to comprehensive cover, AXA can also provide cover for customers wanting to opt for third-party cover only. This is the minimum insurance requirement to register your vehicle. The policy comes with an extended third-party property damage limit of OMR75,000 and unlimited third-party bodily injury. To upgrade your cover, some of the benefits you can include to your policy are:

• Extended storm, tempest and flood damage cover
• Cover when you travel to the UAE
• Optional personal accident cover for the driver and passengers
• Accident and breakdown recovery services
• Extended fire, theft, burglary and malicious damage cover

You can get HSBC Motor Insurance if:

• You're an Oman resident
• You're over 25 years old
• Your vehicle is less than 7 years old

HSBC Motor Insurance exceptions:

• Mechanical or electrical breakdown or wear and tear
• Overloading in terms of number of passengers
• Damage to tyres in isolation
• Using it for the purpose it is not registered for, e.g., commercial, racing, tourism
• Driver at the time of accident is below the age of 25
• Driver at the time of the accident does not have a valid Oman license
• Vehicle is driven under the influence of alcohol or drugs
• If the accident is due to a traffic violation
• Reasonable care is not taken, e.g., leaving the keys in the ignition
• War and terrorism
• Outside territorial limits

Exclusions have been kept to a minimum. Details of full exclusions will be available on the policy Terms & Conditions

How do I claim for insurance?

For any clarification or assistance in case of claims, please contact:

AXA Muscat Office: Tel - 24400160
Fax - 24400159
Timing: 8.00AM TO 5.00PM (Sunday to Thursday)

AXA Sohar Office: Tel - 26846421
Fax - 26846423
Timing: 8.30AM TO 5.30PM (Saturday to Wednesday)

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

The Policy Holder should normally be both the main driver of the vehicle and the registered owner. The Policy Holder must have a financial interest in the vehicle. The traffic department will only register a vehicle in the name stated on the insurance certificate.

How do you calculate my insurance premium?

A number of factors are used to calculate your insurance premium. Amongst these factors are the age of the driver, length of driving experience, claims history, location, vehicle value and type.

Why can't the insurance be transferred when the vehicle is sold?

As the insurance premium is affected by the profile of the driver, it is not possible to simply transfer insurance cover from one driver to another. The existing policy must be cancelled. The new owner will then be given a new insurance policy that is required for registration purposes.

What garages will AXA use to repair my car?

If you have selected Agency Repairs then your vehicle will be repaired at the vehicle's authorized dealership. Otherwise AXA will select one of its own authorized repairers.

How does AXA's Motor Insurance differ from other insurance companies?

AXA provides one of the highest levels of motor protection in the Middle East - combined with the security and service standards of a large international operation, 24-hour accident recovery, guaranteed repairs and extended opening hours.

Can I choose which garage I want to take my vehicle to?

If you have opted for Agency Repairs then your vehicle will be repaired at the main authorized dealership. Otherwise AXA will select one of its authorized repairers. The garage that AXA choose will depend on the vehicle type, nature of damage and availability.

Why has my excess increased?

The standard excess is increased for high value vehicles, high performance vehicles, young drivers and for drivers with a poor claims history.

If my car is damaged due to a hit and run incident, will it affect my no claim bonus?

If AXA are unable to recover the claim cost from a third-party then unfortunately this will be treated like any accident and will affect your no claims bonus entitlement. On the other hand, no excess is payable on recoverable claims.

Does my policy cover off-road damage?

Your AXA policy automatically covers private cars when being driven off-road provided your car has 4-wheel drive capability and you are not using the vehicle in a race or competitive event.