Personal Accident Cover (Driver & Passengers)

Travel safely and drive with confidence. Personal Accident Cover (driver and passengers) is an optional motor insurance add-on that provides financial protection in the event of accidental death or permanent disability sustained while travelling in your insured vehicle anywhere in the UAE.

Key points

Coverage: Pays a lump-sum benefit for accidental death and permanent total/partial disability for the insured driver and, where selected, passengers.

Scope: Applies while occupants are in, boarding or alighting from the insured vehicle; check your policy wording for exact definitions and geographic limits across the UAE.

Add-on: Bought as an add-on to your motor insurance policy (comprehensive or third-party, depending on insurer terms).

Benefit options: Multiple benefit limits are usually available — you choose the sum insured based on your needs and budget.

Claim documents: Typical requirements include an accident report (police), medical reports, Emirates IDs, and the vehicle registration and policy documents.

What is Personal Accident Cover in the UAE?

Personal Accident Cover provides compensation if an insured person suffers accidental death or permanent disability due to a road accident involving the insured vehicle. It is commonly available as a motor insurance add-on across Dubai, Abu Dhabi, Sharjah, Ajman and other emirates.

Who is covered?

The insured driver named on the motor policy.

Passengers who are travelling in the insured vehicle when the accident occurs, if you selected passenger cover.

Coverage details (who counts as a passenger, number of occupants covered, and exclusions) vary by insurer and policy.

How to add Personal Accident Cover to your policy

1. Review your current motor insurance policy and speak with your insurer or broker. 2. Select the sum insured and specify whether passengers are included. 3. Confirm any waiting periods, exclusions or benefit limits. 4. Pay the additional premium and get an updated policy schedule showing the add-on.

Common exclusions and limits

Pre-existing medical conditions and injuries not caused by the accident.

Accidents occurring outside the policy’s stated territory (check if UAE-wide coverage is confirmed).

Injuries resulting from non-covered activities (check policy wording for specific exclusions).

Benefit limits and the definition of permanent disability vary: read the policy terms carefully.

How to make a claim

Secure immediate medical attention and report the incident to the police if required.

Notify AL SAHRAA or your insurer promptly and follow claim instructions.

Provide required documents: police report, hospital/medical reports, Emirates IDs, policy and vehicle documents, and any other paperwork requested by the insurer.

Keep copies of all medical bills and communication for your records.

Why consider Personal Accident Cover from AL SAHRAA

Simple add-on to your existing motor policy to protect drivers and passengers.

Assistance with selecting an appropriate sum insured for your family or business needs.

Local expertise in UAE motor insurance and claims processes.

FAQ

Q: Is passenger cover included by default? A: Not always. Passenger protection is usually an optional extension — confirm with AL SAHRAA when you purchase or renew your policy.

Q: Will this cover medical bills? A: Personal Accident Cover typically pays a lump-sum benefit for death or permanent disability. Separate medical expense coverage may be available under other policy sections or as a different add-on—check your policy or ask AL SAHRAA.

Q: Does the cover apply across all emirates (Dubai, Abu Dhabi, Ajman, etc.)? A: Most motor add-ons cover travel within the UAE, but always confirm territorial limits in the policy wording.

Q: Can I add this mid-term? A: Many insurers allow adding the cover at renewal or mid-term; contact AL SAHRAA to check your specific policy options.

Call to action

Protect the people in your vehicle today. Request a personalised quote for Personal Accident Cover (driver and passengers) from AL SAHRAA Businessmen Services LLC — contact us via our website or get in touch by phone/email to discuss cover limits, passenger protection and how to add this motor insurance add-on to your policy.