CONTACTS & WORKING HOURS
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1 MOTOR INSURANCE
2 CONTACTS & WORKING HOURS Head office BNH Tower, Seef District P.O. Box 843, Manama, Kingdom of Bahrain Tel.: , Fax: Website: Customer Complaints Unit City Centre Building, Manama Tel.: , Fax: Branches Sanad Sanad Market Complex Tel: , Fax: :30 am 7:00 pm (Saturday to Wednesday) 7:30 am 4:00 pm (Thursday & Friday) Muharraq Opposite Al Eslah Society Tel: , Fax: :30 am 4:00 pm (Saturday to Thursday) Budaiya Najeebi Centre Tel: , Fax: :30 am 4:00 pm (Saturday to Thursday) Manama City Centre Building Tel: , Fax: University of Bahrain Sakheer Campus Tel.: , Fax: :00 am 4:00 pm (Sunday to Thursday) Hamad Town Souk Waqif Tel.: , Fax: Sitra Industrial Area Tel.: , Fax: Isa Town Isa Town Mall Tel.: , Fax: :00 am 5:30 pm (Sunday to Thursday) Amwaj Alosra Supermarket Tel.: , Fax:
3 INTRODUCTION With the increase in the use of motor vehicles in recent years, the number of accidents increased as well. Therefore, motorists need to pay more attention while driving and certainly want high-quality insurance protection. Bahrain National Insurance B.S.C. (c), bni is pleased to offer a variety of Motor Insurance policies. Our clients have the opportunity to choose the right cover that suits their needs. Choosing the right cover is important but what really makes the difference is the standard of service you get as our customer. Our team is committed to providing quality insurance at a competitive rate and has been doing so for the last 40 years. Our goal is to make the Insured s task a simple and efficient experience, whether this be at the point of purchasing the right type of insurance for his/ her needs or whether this be in making a claim. We introduce new and better products and services on a regular basis. We support our services through an increased number of branches to cover more of Bahrain s geographical area and to be closer to our customers. 1
4 WE HAVE A COMPREHENSIVE RANGE ON MOTOR INSURANCE COVERS, COUPLED WITH EXCEPTIONAL LEVELS OF CUSTOMER SERVICE AND EFFICIENT CLAIMS HANDLING.
5 TYPES OF VEHICLES WE INSURE 1. Private Saloon Cars: Used for Private & Business purposes 2. Commercial Vehicles: (Including private saloon cars used for carrying passengers for hire or reward) Goods carrying vehicles: like pickups and trucks Hire cars and coaches Special Types: for example, ambulance, mobile plant and excavators and cranes 3. Motorcycles: Used for Private & Business purposes TYPES OF MOTOR INSURANCE COVERAGE We have a comprehensive range on Motor insurance covers, coupled with exceptional levels of customer service and efficient claims handling. We also offer a number of additional benefits to complement our range of products. Our experience team of underwriters and customer service personnel will be more than happy to sit with you and discuss your Motor insurance requirements. They will advise you on the right insurance cover and additional benefits that will make your life easier and give you peace of mind. Following are some of our standard motor insurance products: 1. Third Party Cover Our Third Party motor insurance policies are designed carefully to meet the legal liability requirements of motorists under the Compulsory Motor Insurance Law of the Kingdom of Bahrain. Our policies cover our Insureds legal liability to indemnify third parties for bodily injury, death or property damage, arising out of accidents resulting from or in connection with the use of their motor vehicles. The limit of liability that we offer to our Insureds in case of property damage is BD 500,000 and our liability in case of bodily injury or death is unlimited. We also cover additional preauthorized expenses such as court charges and legal defense costs incurred in connection with any claim under the policy. 2. Third Party, Fire & Theft Cover For those who prefer to comply with the legal liability requirements of the Bahraini law in respect of motor insurance and also would like to insure their vehicles against additional risks, we offer the Third Party, Fire and Theft cover. Clients who purchase this type of cover will be indemnified if their motor vehicles were stolen or were damaged or destroyed as a result of a fire accident. They will also be indemnified for their legal liability to third parties, as explained above. 3
6 3. Standard Comprehensive Cover This is one of the most comprehensive motor insurance covers in the Kingdom. It consists of two main sections: the first of them covers accidental damage to the insured vehicle resulting from a number of causes like: Collision of the insured vehicle with other vehicles, physical objects or people Overturning of the insured vehicle Accidental fire or self ignition Theft of whole car or parts Accidental breakage of windscreen and other fixed glass Damage whilst in transit by road, lift or elevator The second section of the policy covers your legal liability to Third Parties, as per Bahrain law. Details are the same as those explained above under Third Party cover. 4. The Super Policy With the Super Policy, you can rest assured that you are fully covered. This policy not only covers all risks mentioned above under the Standard Comprehensive Cover, but also comes with a list of additional benefits, including: A replacement car for a period of 12 days in the event of road accident Repair of the car at the dealer s workshop or any other garage of your choice Waiver of voluntary excess or deductible No depreciation is applied on replaced parts, in case of partial losses Coverage is extended to include risks of riot, strike, sabotage, storm and flood Wind screen cover granted without affecting your no-claim bonus Payment of cost of medical treatment for the Insured/ Driver of the vehicle up to a certain limit in case of accident 24 hour emergency assistance services in Bahrain, GCC, and some other countries in the Middle East. These include: Towing and removal of your vehicle in case of breakdown and/ or accident Accommodation, travel costs Professional driver service, Transportation of repaired or recovered vehicle to your place of residence in case of accident or breakdown outside Bahrain bni PLUS Coverages provided: Saudi extension (15 days / Trip) Written off vehicles full sum insured for one year old Agency repair Nil depreciation Personal accident Vehicle replacement 24 hours roadside vehicle assistance Storm, tempest, floods & hail storms Wind screen cover 4
7 OUR TEAM IS COMMITTED TO PROVIDING QUALITY INSURANCE AT A COMPETITIVE RATE AND HAS BEEN DOING SO FOR THE RS. LAST
8 MOTOR CLAIMS SERVICES Our motor claims team is committed to providing the best quality of claims handling and processing services and has been doing so for the past 36 years. Our enthusiastic team strives to satisfy all of our clients and third party claimants. We handle all types of motor claims, like: Damage to insured vehicles or those belonging to third parties Damage to other fixed or mobile property of third parties Bodily injury and death claims Following are details of documents needed by our team in order to process claims: Customer with Comprehensive Insurance Original Police/ Traffic report Vehicle ownership certificate Valid insurance policy certificate Original receipt for Police report fees Copy of Drivers license Payment of excess or deductible (if applicable) Payment of compulsory excess for drivers under 25 years old Payment of depreciation cost of spare parts Third Party vehicle damage claims Original Police/ Traffic report Vehicle ownership certificate Valid insurance Policy Original receipt of Police report fees Third Party property damage claims Original Police/ Traffic report Original receipt of Police report fees Bodily Injury claims Original Police/ Traffic report Copy of CPR of injured person Original receipt of Police report fees Original Medical Commission report Original receipt of medical fees Penal judgment against drive at fault 6
9 TAKE EXTRA CARE NEAR SCHOOL BUSES AND OTHER PLACES WHERE CHILDREN AND THE ELDERLY MIGHT BE AROUND.
10 ROAD SAFETY TIPS 1) Do not use mobile phones while driving Making or receiving a call, even using a hands-free phone, can distract your attention from driving and could lead to an accident. 2) Always fasten your seat belt Always wear your seat belt, even in the back. Remember that in a crash, an unbelted rear seat passenger can kill or seriously injure the driver or a front seat passenger. 3) Do not exceed Speed limits Over speeding kills. So, drive with due consideration, slowly driving is safer. 4) Drive slowly on the pedestrians Take extra care near school buses and other places where children and the elderly might be around. 5) Do not drive while feeling tired or dizzy Tiredness is thought to be a major factor in road accidents. Plan to stop for at least a 15 minute break every 2 hours on a long journey, making sure the mind is clear and rest well before driving the car. 6) Always use pedestrian while crossing the road When crossing a road always use a pedestrian crossing if there is one nearby, otherwise watch out for on coming traffic on both sides of the road. 7) Anticipate! Observe and anticipate other road users and use your mirrors regularly and do not drive through red traffic lights. 8) Avoid traveling at nights if possible At nights, visibility could be poor; hoodlums maybe on the roads and rescue operations are almost nonexistent. When other traffic approaches, ensure that your headlights are in the dim position. 9) Must always keep distance! Always keep a gap between you and the car in front and do not turn in front of oncoming traffic. 8
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