About GIG car insurance
GIG motor insurance offers comprehensive coverage – from the moment you need help, to when you're back on the road. And if you own a classic car, GIG can provide customised cover with competitive rates and specialist support.
What you get with GIG car insurance
Free pick up
One free drop-off to or pick-up from the airport or repair centre.
Flexible plans
Spread the cost with our premium instalment plans.
Car rental deals
Special rates on local and international car rentals.
Cover for your luxury or classic car
24/7 support, and generous dealer repair extensions.
Save up to 35% on car insurance
Enjoy peace of mind with GIG Gulf comprehensive car insurance from HSBC. Share your renewal date and get a quote by 31 December 2024. T&Cs apply.
Choose a policy that's right for you
| Benefits | Motor Prestige | Motor Perfect | Motor Third Party |
|---|---|---|---|
| Loss or damage to the insured vehicle |
Yes | Yes | No |
| Third party bodily injury |
Yes | Yes | No |
| Third party property damage | AED 5 Million |
AED 3.5 Million |
AED 3.5 Million |
| Legal Liability extended to include family members as Third Party |
Yes | Yes | Yes |
| Fire and theft cover |
Yes | Yes | Optional |
| Storm, flood, riot and strike |
Yes | Yes | No |
| Personal injury cover |
AED 20,000 |
AED 20,000 | No |
| Emergency medical expenses |
AED 6,000 |
AED 3,500 | No |
| Personal belongings |
AED 4,000 |
AED 4,000 | No |
| Oman Cover |
Yes | Yes | Optional |
| Off road cover |
Yes | Yes | No |
| Agency repairs |
Included - 5 years |
Included - 2 years Optional up to 5 years |
No |
| Guaranteed repairs |
Yes | Yes | No |
| Back to invoice for total loss |
24 months from first registration |
6 months from first registration | No |
| Waiver of excess for windscreen damage |
Yes | If below AED 5,000 |
No |
| Personal accident benefit - driver |
Optional - AED 350,000 |
Optional - AED 200,000 |
Optional - AED 200,000 |
| Personal accident benefit - passengers |
Optional - AED 200,000 |
Optional - AED 200,000 |
Optional - AED 200,000 |
| Hire car benefit |
Up to AED 1,500 |
Optional up to 7 days |
No |
| 24 hour accident and breakdown recovery |
Yes | Yes | Yes |
| GCC cover |
Optional |
Optional |
No |
| Pickup and delivery |
Yes | Optional |
No |
| Claims Single Point of Contact |
Yes | No | No |
| Maximum age of car |
7 years subject to vehicle value being above AED 150,000 |
15 years from date of 1st Registration |
No maximum but not offered for brand new cars |
| Benefits |
Loss or damage to the insured vehicle |
|---|---|
| Motor Prestige | Yes |
| Motor Perfect | Yes |
| Motor Third Party |
No |
| Benefits |
Third party bodily injury |
| Motor Prestige | Yes |
| Motor Perfect | Yes |
| Motor Third Party | No |
| Benefits | Third party property damage |
| Motor Prestige |
AED 5 Million |
| Motor Perfect |
AED 3.5 Million |
| Motor Third Party |
AED 3.5 Million |
| Benefits |
Legal Liability extended to include family members as Third Party |
| Motor Prestige | Yes |
| Motor Perfect | Yes |
| Motor Third Party | Yes |
| Benefits |
Fire and theft cover |
| Motor Prestige | Yes |
| Motor Perfect | Yes |
| Motor Third Party | Optional |
| Benefits |
Storm, flood, riot and strike |
| Motor Prestige | Yes |
| Motor Perfect | Yes |
| Motor Third Party | No |
| Benefits |
Personal injury cover |
| Motor Prestige |
AED 20,000 |
| Motor Perfect | AED 20,000 |
| Motor Third Party | No |
| Benefits |
Emergency medical expenses |
| Motor Prestige |
AED 6,000 |
| Motor Perfect | AED 3,500 |
| Motor Third Party | No |
| Benefits |
Personal belongings |
| Motor Prestige |
AED 4,000 |
| Motor Perfect | AED 4,000 |
| Motor Third Party | No |
| Benefits |
Oman Cover |
| Motor Prestige | Yes |
| Motor Perfect | Yes |
| Motor Third Party | Optional |
| Benefits |
Off road cover |
| Motor Prestige | Yes |
| Motor Perfect | Yes |
| Motor Third Party | No |
| Benefits |
Agency repairs |
| Motor Prestige |
Included - 5 years |
| Motor Perfect |
Included - 2 years Optional up to 5 years |
| Motor Third Party | No |
| Benefits |
Guaranteed repairs |
| Motor Prestige | Yes |
| Motor Perfect | Yes |
| Motor Third Party | No |
| Benefits |
Back to invoice for total loss |
| Motor Prestige |
24 months from first registration |
| Motor Perfect | 6 months from first registration |
| Motor Third Party | No |
| Benefits |
Waiver of excess for windscreen damage |
| Motor Prestige | Yes |
| Motor Perfect |
If below AED 5,000 |
| Motor Third Party | No |
| Benefits |
Personal accident benefit - driver |
| Motor Prestige |
Optional - AED 350,000 |
| Motor Perfect |
Optional - AED 200,000 |
| Motor Third Party |
Optional - AED 200,000 |
| Benefits |
Personal accident benefit - passengers |
| Motor Prestige |
Optional - AED 200,000 |
| Motor Perfect |
Optional - AED 200,000 |
| Motor Third Party |
Optional - AED 200,000 |
| Benefits |
Hire car benefit |
| Motor Prestige |
Up to AED 1,500 |
| Motor Perfect |
Optional up to 7 days |
| Motor Third Party | No |
| Benefits |
24 hour accident and breakdown recovery |
| Motor Prestige | Yes |
| Motor Perfect | Yes |
| Motor Third Party | Yes |
| Benefits |
GCC cover |
| Motor Prestige |
Optional |
| Motor Perfect |
Optional |
| Motor Third Party | No |
| Benefits |
Pickup and delivery |
| Motor Prestige | Yes |
| Motor Perfect |
Optional |
| Motor Third Party | No |
| Benefits |
Claims Single Point of Contact |
| Motor Prestige | Yes |
| Motor Perfect | No |
| Motor Third Party | No |
| Benefits |
Maximum age of car |
| Motor Prestige |
7 years subject to vehicle value being above AED 150,000 |
| Motor Perfect |
15 years from date of 1st Registration |
| Motor Third Party |
No maximum but not offered for brand new cars |
Luxury car insurance
Cover for luxury cars includes:
- Personalised attention
- Higher coverage
- Competitive rates
- Bespoke underwriting, and custom terms and conditions
- Specialists in car collections
- 24/7 claims support globally
- Generous dealer repair extensions
| Benefits | High Net Worth cover |
|---|---|
| Third party bodily injury | Unlimited |
| Third party property damage | AED 5 million |
| Agency repair | Unlimited |
| Car hire | AED 10,000 aggregate |
| Roadside assistance | Gold |
| Replacement of lock and keys | Unlimited |
| Personal belongings | AED 5,000 |
| Geographical extension | UAE and Oman |
| Waiver of depreciation | 24 months |
| Track day cover | Case by case |
| European extension | Case by case |
| Classic car | AED 500,000 or 20% of the sum insured |
| Benefits | Third party bodily injury |
|---|---|
| High Net Worth cover | Unlimited |
| Benefits | Third party property damage |
| High Net Worth cover | AED 5 million |
| Benefits | Agency repair |
| High Net Worth cover | Unlimited |
| Benefits | Car hire |
| High Net Worth cover | AED 10,000 aggregate |
| Benefits | Roadside assistance |
| High Net Worth cover |
Gold |
| Benefits | Replacement of lock and keys |
| High Net Worth cover |
Unlimited |
| Benefits | Personal belongings |
| High Net Worth cover | AED 5,000 |
| Benefits | Geographical extension |
| High Net Worth cover | UAE and Oman |
| Benefits | Waiver of depreciation |
| High Net Worth cover | 24 months |
| Benefits | Track day cover |
| High Net Worth cover | Case by case |
| Benefits | European extension |
| High Net Worth cover | Case by case |
| Benefits | Classic car |
| High Net Worth cover | AED 500,000 or 20% of the sum insured |
More about GIG
The right cover for you and your car
General insurance products are provided by GIG Insurance (Gulf) B.S.C. (c). HSBC Bank Middle East Limited in the UAE is only a referrer of GIG's general insurance products and is not responsible for claims, processing or otherwise.
Product terms and conditions and exclusions apply. Please read the full policy wording for further information.
Things to know
Who can apply?
You can apply for GIG car insurance if you:
- Live in the UAE
- Already bank with HSBC Bank Middle East Limited
- Have a valid UAE driving licence
- Drive a vehicle registered in the UAE
- Have not been disqualified from driving, have no criminal convictions and have not been refused insurance or had any special terms imposed in the past 5 years
You can apply for high net worth car insurance if the minimum sum assured is AED 500,000.
Get started
Start a quote online
Visit the GIG website for an initial quote.
Retrieve a quote
If you've already requested a quote, you can retrieve the details on the GIG site.
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