Personal Accident Cover — Protection for Drivers and Passengers
Personal Accident Cover (Driver/Passengers) protects vehicle occupants against accidental death, permanent disability and medical expenses while traveling in the insured vehicle. This add-on complements motor insurance policies and provides financial support to drivers and passengers after an accident.
Overview
AL SAHRAA’s Personal Accident Cover provides clear, immediate protection for drivers and passengers involved in a road accident. The cover typically pays benefits for accidental death, permanent disability and reasonable medical expenses, helping families and individuals manage costs during recovery. Policies can be added to new or existing vehicle insurance plans and tailored to the number of occupants and required benefit limits. Our team will explain optional limits and exclusions so you select protection that matches your needs and budget. Claims are handled promptly with straightforward documentation requirements; we support policyholders through the claims process and coordinate with insurers to help secure timely payments. This cover is suitable for private car owners, company fleets and drivers who want peace of mind while on the road. Contact AL SAHRAA in Dubai or Ajman for a quote, comparison of benefit limits, and guidance on integrating Personal Accident Cover with your vehicle insurance policy.
What to prepare
- Copy of valid UAE driving license (for driver)
- Copy of vehicle registration (Mulkiya)
- Existing motor insurance policy schedule (if adding to renewal)
- Passport and Emirates ID copies of insured individuals
- Completed Personal Accident claim form (for claims)
- Police accident report (for claims)
- Medical reports and hospital bills (for claims)
How the process works
- Get a quote: provide vehicle details, policy type and number of occupants
- Choose coverage limits for accidental death, permanent disability and medical expenses
- Submit required documents and complete the add-on endorsement with your insurer
- Pay premium and receive updated policy schedule confirming the Personal Accident Cover
- If an accident occurs, notify insurer and AL SAHRAA immediately to begin the claims process
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
What does Personal Accident Cover for drivers and passengers include?
It typically includes lump-sum payouts for accidental death, benefits for permanent total or partial disability and coverage for reasonable medical expenses resulting from a covered accident.
Can I add this cover to an existing motor insurance policy?
Yes. Personal Accident Cover can usually be added during renewal or mid-term by endorsing your existing policy, subject to insurer terms and any pro-rata premium.
Who can be covered under this add-on?
Coverage can be arranged for the vehicle driver and passengers named on the policy or for all occupants up to the limits specified by the insurer.
How are claims handled and what documents are needed?
Notify your insurer and AL SAHRAA promptly, submit the claim form, police report, medical records and invoices, ID copies and any other insurer-requested evidence to process the claim.
Are there exclusions I should know about?
Common exclusions include accidents while driving under the influence, engaging in illegal acts, participation in racing, or incidents occurring outside the policy territory; check the insurer policy wording for full details.
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