All Risk Auto Insurance – Dhofar Insurance

What Comprehensive Car Insurance Covers (Mainly) with Dhofar Insurance:

✅ 1. Damage to Your Own Vehicle
Even if you are responsible for the accident:

Collision with another vehicle
Impact with a wall, pole, tree, etc.
Vehicle rollover / running off the road

✅ 2. Third-Party Liability (Mandatory in Oman)

Property damage caused to others
Injury or death of third parties
✔️ Automatically included

✅ 3. Theft and Attempted Theft

Total theft of the vehicle
Damage caused during an attempted theft
(According to policy terms and conditions)

✅ 4. Fire and Explosion

Accidental fire
Electrical short circuit
Vehicle explosion

✅ 5. Glass Damage

Windshield
Side and rear windows
(Subject to deductible as per contract)

✅ 6. Natural Disasters (If Included)

Floods
Storms
Falling objects
⚠️ Optional coverage

✅ 7. Common Optional Benefits (Depending on Plan)

Roadside assistance
Replacement vehicle
Repairs at authorized dealers
Coverage in Oman + GCC countries

❌ What “Comprehensive Insurance” Does NOT Cover
⚠️ Very important

❌ Normal wear and tear (tires, brake pads, battery, etc.)
❌ Mechanical breakdowns (not caused by an accident)
❌ Driving under the influence of alcohol or drugs
❌ Racing or undeclared use (taxi, rental, etc.)
❌ Intentional damage, driving on rough terrain, desert, mountains, etc.
❌ Unauthorized driver

⚠️ Deductible (Excess)

A deductible is almost always applied
Example: you pay 50–200 OMR, the insurance pays the rest
The deductible amount is determined by the insurance company and paid directly to them

Simple Example
At-fault accident – repair cost: 1,200 OMR
Deductible: 100 OMR
➡️ You pay 100 OMR, Dhofar Insurance pays 1,100 OMR