1.

NOTE: ONLY Adamjee and RAK GIVES TO NON GCC Third party directly issues to Non Gcc for all
the insurers

2. Orange Card not given by the insurers who are Oriental, NIA, DNI, Tokio,Adamjee

RAK

1 .While issuing a policy on RAK, there are chances that the error might fetch up- i.e. We are not able to
fetch vehicle details for the given chassis number, in such cases we will raise an email to the insurer
and raise the same on PB chat and share the details with respective Team leaders

2. If the age of the customer is less than 30 years, then it will ideally be referred back. Home DL ki date
lenge

3. The UAE DL for RAK should be more than 2 years and if it less than then we need home country
license. 5 years

4. For the vehicles with model year 2008 or less are only eligible for third party plan.

5. If the vehicle model is less than 2008 and if Comprehensive is selected by the customer then it will go
back to the sales team and we need to add info for the same

6. It is important to check the Registration type: For brand new vehicles select “”New vehicle
registration” and also when it is a transfer case and previous owner Mulkiya is not available also then
select” new vehicle registration and plate code and plate number will be ‘’0’’

Change of ownership is selected for the cases wherein it is a transfer and previous owner Mulkiya is
available

7. When the body type is not getting changed then issue the policy and send an email to the insurance
company for amendments

8. No LOI can be created on RAK

Salama
1. While making the policy for Salama, you may get the error as ‘’CHASSIS NUMBER BLACKLISTED’’ in this
case you need to sent an email to Salama to release Chassis

2. Whenever issuing the policy was Salama you need to check the NCD as it may increase the premium

[Link] vehicles below the year 2014 will be referred for comprehensive cases
4. Third party not given below 2004 model year- sometimes will be referred

5. Only Korean and Japanese made car we will issue dyntrade

New India

1. Minimum premium for New India is 1020+VAT in case of Salon Case/Sedan

2. NI doesn’t give insurance to third party

3. NI does not provide insurance to Non GCC

4. NI does not provide TP to comp for renewal cases

5. The policy type will always be Motor scheme New-2023

6. UAE DL should be more than 1 year if less than that then we will not issue

7. Seating capacity is always auto filled, need to change as per Mulkiya

8. Does not give to model before 2009

9. Mitsubishi Lancer Rent a car Vehicle

10. Vehicle value should be 10k or above

Watania Takaful

[Link] and China made cars will always be referred like BMW Audi, mercede, no matter the car
value is

3. In case of company owned vehicles KYC is mandatory

4. First time registration will be YES if it is a brand new or transfer vehicle and NO when it is a normal
renewal

5. In transfer cases if the Mulkiya is expiring then you get the the pop up that this chassis already registered
if the previous owner is already registered with Noor only.

6. Whenever a car is saloon the first preference is given to the same as the premium is good.

Oriental
1. Oriental does not provide insurance to Non GCC vehicles- ESMA is important

2. Oriental does not accept home DL, depending upon the DL issue date the premium will be given to the
customer

3. In case of Oriental, if the case is getting referred due to Car value then we need to input the same value
which is there for the car i.e. the car value

4. Plate code is not more than 13, and if it above that, then issue the policy and send email for the
amendment.

5. Oriental do not accept NCD, NCL is required for previous insurer- Agency renewal then we need NCL

6. TP to com will always be referred, Passing and dated car pictures

7. LOI cases will always be referred , NOC is mandatory

GIG
1. In case of normal renewal I.e. last year the insurer company was different and this year the
insurer company is different in this case the policy is issued via STP

2. If it is a GIG renewal then quote number is mandatory, and it will be directly issued by the
portal and if there is no Quote then we will email to insurer

3. In renewal cases certificate start date needs to be changed instead of the actual start date
of the policy

4. If the proof type is NCL, then we a NCL from the customer

5. Whenever it is a bike case, first preference is GIG

Sukoon

1. Gives to old model

2. Good for commercial vehicles(Preferably TPL)

3. Minimum 1 year DL, if less than that home country license

Adamjee

1. Issues to everybody TPL/Non TPL, GCC non GCC

3. Does not issue before 2003 for comp and TPL

4. The age below 28 years would be referred

Tokio

1. Gives good value for HVV cases

2. Minimum DL experience should be 1 year and less than that we will not accept it
and depending upon the DL experience the premium will be defined

3. If the customer wants to buy comprehensive plan his age should be between 25-65
years

QIC

1. QIC is good for Coupe cars, gives good premium

2. Documentation should be proper as the policy can be issued without docs as

3. No plate code and plate number is required in QIC neither the registration type
needs to be selected in any of the cases

4. HVV Cars are issued directly, especially Tesla

5. The age below 25 years will be referred

DNI

1. DNI does not issue comp below 2012 cases

2. HVV upto 600K

3. Minimum DL experience should be 1 year experience or else will not issue the
policy