Personal Accident Cover for Drivers & Passengers
Personal Accident Cover protects drivers and passengers against accidental death and disability while travelling in your insured vehicle across the UAE.
Overview
Personal Accident Cover (Driver/Passengers) provides financial protection if the driver or passengers suffer accidental death or permanent disability while travelling in the insured vehicle. Coverage and benefit amounts vary by policy and insurer; typical benefits include lump‑sum payouts for death or permanent total disability and reimbursement for specified medical expenses. This cover can be added as an endorsement to new or existing comprehensive or third‑party vehicle policies. It applies to named drivers and/or unnamed passengers depending on the endorsement chosen and usually extends across the UAE, including Dubai and Ajman. Premiums depend on sum insured, number of persons covered, and policy type. AL SAHRAA helps you compare available limits and choose a benefit level that matches your needs without unnecessary extras. Adding cover is straightforward: submit basic documents, choose the sum insured, and we’ll arrange the endorsement and certificate. We also provide guidance on claims procedures and local medical documentation requirements in the UAE.
What to prepare
- Copy of Emirates ID (driver and covered passengers where available)
- Copy of UAE driving license (for named drivers)
- Vehicle registration (Mulkiya)
- Current insurance policy number or copy (for endorsement/renewal)
- Passport and UAE visa page (for expatriates)
- Beneficiary details (name, relationship, contact, date of birth)
How the process works
- Request a quote specifying driver(s), estimated passengers and desired sum insured
- Provide required documents (Emirates ID, driving license, vehicle registration, etc.)
- Choose benefit level and confirm whether cover is for named drivers or all passengers
- Approve premium and make payment to add endorsement to your motor policy
- Receive updated policy schedule and Personal Accident certificate
Why clients choose AL SAHRAA
- Admin-reviewed quotations before you proceed.
- Document coordination and progress tracking in one portal.
- Support for business, compliance, visa, insurance, and IT-related requests.
- Clear request history, updates, and delivery follow-up.
Frequently asked questions
Who is covered under Personal Accident Cover?
Coverage depends on the endorsement: it can cover named drivers only, all drivers, or all passengers in the insured vehicle—check your policy wording when selecting the option.
What events are typically covered?
Most policies cover accidental death, permanent total or partial disability, and in some cases specified medical expenses resulting from the accident; exclusions and limits are listed in the policy.
Can I add Personal Accident Cover to an existing policy?
Yes. The cover can usually be added as an endorsement during the policy period or at renewal; we can arrange the endorsement and issue an updated certificate.
How are claims handled in the UAE?
Claims require submission of the policy, Emirates ID, medical reports or death certificate, police report (if applicable), and any insurer claim forms; AL SAHRAA can assist with documentation and submission.
Does the cover apply across all emirates including Dubai and Ajman?
Yes, the cover applies across the UAE unless the policy specifies geographic limits; confirm with your insurer if you need cross‑border provisions for travel outside the UAE.
Related services
Explore other services in Vehicle Insurance.