Motor Insurance Policies

Different businesses require varying degrees of service from an insurance provider, and since accidents affecting corporate users not only mean injury but also lost revenue, corporations need more than just protection, they need guaranteed continuity of their processes.

Warba Insurance provides policies for virtually all kinds of businesses from startups to established corporate users helping protect their business interests with coverage & a claims processing service that are designed to ensure the smooth running of the enterprise without procrastination.

Our products in this segment are:

Driving Licenses Insurance (Supplementary)

Policy Code
It covers the material losses of the vehicle.

Benefits of the Policy
Protecting the insured against material losses of the vehicle insured subject to the terms and conditions of the private vehicles comprehensive insurance plans with the addition of extra coverages if required.

Brief Write-up
The policy is designed to cover the vehicle when driven by the owner of an insured driving license against the dangers of accidents on the road.

Purpose of the Policy
Providing comprehensive coverage to insure the driving licenses of the drivers.

Supplementary Insurance (full)

Policy Code
Insurance coverage for the insured vehicle against traffic collision, fire and theft incidents in accordance with the terms and conditions.

Benefits of the Policy
The terms and coverages of this policy designed according to the requirements of the insured whether for the anonymous perpetrator or the percentage of excess, taking into account the basic constraints and conditions mentioned in the policy. It is also possible to add additional coverage for an extra premium to cover, for example, the replacement car during the repair, or to provide road assistance.

Brief Write-up
The policy provides coverage for the insured vehicle in case of traffic accident, fire or theft.

Purpose of the Policy
Providing insurance coverage for the insured vehicle.

Kuwaiti Vehicles Insurance Abroad (Orange Card)

Policy Code
It covers civil liability resulting from the collision in a traffic accident.

Benefits of the Policy
Protecting the insured against any liability resulting from a third party claims for any damage that may result from the collision in a traffic accident.

Brief Write-up
The policy provides a cover for the driver against third party claims that may result from a traffic collision, and in accordance with the terms and conditions mentioned therein.

Purpose of the Policy
The policy protects the insured against civil liability resulting from traffic accidents being responsible for whether property damage or personal injuries. Such accidents must occur within the borders of the countries included in the coverage.

Right of Recourse Insurance

Policy Code
Subject to the terms and conditions of the insurance policy.

Benefits of the Policy
Exempting the insured from some of the right of recourse cases that are set forth in the policy such as crossing red or yellow lights, driving above speed limits or driving opposite to the traffic direction.

Brief Write-up
An annex to the supplementary insurance plan for the purpose of exempting the insured from some exceptions mentioned in it.

Purpose of the Policy
Exempting the Insured from some exceptions in the policy.

Third Party Insurance for Non-Kuwaiti vehicles (borders)

Policy Code
It covers the civil liability that may result from traffic collision of the insured vehicle.

Benefits of the Policy
Protecting the insured against any loss, damage or liability claims made by a third party as a result of a traffic accident when driving the insured vehicle.

Brief Write-up
Protecting the insured from any claims made by a third party when driving the insured vehicle, whether material loss, bodily injuries, death or damage as a result of an accident.

Purpose of the Policy
Providing insurance coverage against the civil liability resulting from traffic accidents in the State of Kuwait.

Civil Liability Insurance

Policy Code

Benefits of the Policy
The insured is exempted from some of the right of recourse cases that are set forth in the policy such as crossing red or yellow lights, driving above speed limits or driving against the direction of the traffic.

Brief Write-up
The policy is designed to provide coverage for the insured against the right of recourse under the 3rd party insurance policy.

Purpose of the Policy
Exempting the insured from some of the right of recourse cases as mentioned in the 3rd party insurance policy.

Third Party Commercial Plates Insurance

Policy Code
It covers the civil liability for any damage or injury resulting from a car accident, except those owned by the owner / driver of the insured vehicle, or those that are in the possession.

Benefits of the Policy
Protecting the insured against any liability resulting from a third party for the loss or damage of the insured vehicle in an accident.

Brief Write-up
Mandatory policy for the newly purchased vehicles that have not yet been registered in the traffic department.

Purpose of the Policy
Providing insurance coverage against any liability resulting from a third party for the vehicles with commercial license plates.

Third Party Insurance

Policy Code
In the case of death or bodily injury to any passenger in the vehicle, except the for the driver, spouse or first-degree relatives.

Benefits of the Policy
Protecting the insured against any claims resulting from a third party for the material loss, bodily injuries, death or damage in an accident when driving the insured vehicle.

Brief Write-up
This policy is mandatory by law as stipulated in the Legislative Decree No. 3 of 1987. The insurance covers the vehicle owner against the exposure to any claims, legal or civil liabilities.

Purpose of the Policy
Providing insurance coverage according to the Government directives.

Geographic Extension for the Supplementary Insurance Policy Holder

Policy Code
It covers the insured vehicle within the limits of the policy terms.

Benefits of the Policy
Protecting the insured from the exposure to financial losses outside the borders of the State of Kuwait.

Brief Write-up
This policy aims at expanding the geographical coverage whereby the driver can enjoy the benefits of insurance beyond the boundary of the area specified beforehand in the supplementary insurance policy.

Purpose of the Policy
Providing insurance coverage outside the State of Kuwait for the comprehensive insurance policyholders.