Why choose GIG Car Insurance
Drive protected with benefits that matter
Explore Your Plans
Only with GIG
- Access Exclusive GIG Rewards
- Covers damages and injuries caused by your vehicle to other people or their car
- All the amounts which the Insured shall become legally liable to pay*
- Insurance Against Natural Disasters*
- Expenses for the treatment of injuries*
- 24 hour accident and breakdown recovery
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UAE Cover
An optional add-on that extends your policy's territorial limit from Oman to include the United Arab Emirates, so you're covered driving there too.
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GCC Cover
- Personal accident
- Personal belongings cover
- Repairing your vehicle caused by accident
- Off Road Cover
| Benefits (in OMR) | Third Party |
|---|---|
| Loss or damage to the insured vehicle | No |
| Third party liability- Bodily injury | |
| Third party property damage | 150,000 OMR |
| Legal liability extended to include family members as Third Party | No |
| Natural calamities, Riots, Strikes and civil commotion** | No |
| No depreciation on spare parts (Partial Loss) | No |
| Emergency medial expenses | 400 OMR |
| Personal belongings | No |
| UAE Cover | Optional |
| Off road cover 4x4 | No |
| Maximum agency repair period | No |
| Guaranteed repairs | No |
| Back to invoice on total loss | No |
| Waiver of excess for windscreen damage | No |
| Personal accident | Optional, 10,000 OMR |
| Hire a car benefit | No |
| 24 hour accident and breakdown recovery | Optional |
| Gcc cover | Optional |
| Natural Disaster | Yes, mandatory cover per FSA regulation |
| Comprehensive upto 15 years | No |
| Benefits (in OMR) | Third Party |
|---|---|
| Loss or damage to the insured vehicle | No |
| Third party liability- Bodily injury | |
| Third party property damage | 150,000 OMR |
| Legal liability extended to include family members as Third Party | No |
| Natural calamities, Riots, Strikes and civil commotion** | No |
| No depreciation on spare parts (Partial Loss) | No |
| Emergency medical expenses | 400 OMR |
| Personal belongings | No |
| UAE Cover | Optional |
| Off road cover 4x4 | No |
| Maximum agency repair period | No |
| Guaranteed repairs | No |
| Back to invoice on total loss | No |
| Waiver of excess for windscreen damage | No |
| Personal accident | Optional, 10,000 OMR |
| Hire a car benefit | No |
| 24 hour accident and breakdown recovery | Optional |
| Gcc cover | Optional |
| Natural Disaster | Yes, mandatory cover per FSA regulation |
| Comprehensive upto 15 years | No |
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Frequently asked questions
Is car insurance mandatory in Oman?
Yes, a minimum requirement is a third-party liability cover, which GIG and Oman's insurance regulator (the Financial Services Authority) call Compulsory Insurance.
The Royal Oman Police require proof of it to register a vehicle; driving without it risks fines and impoundment. Third-party covers death, injury, and property damage, death/injury compensation has no fixed cap, it's whatever a court awards but nothing toward your own car.
Review your policy documents carefully to know what is covered and not included.
What is the difference between comprehensive and third-party car insurance?
The main difference is the level of protection each policy provides.
Comprehensive car insurance includes the mandatory third-party liability cover required by law in Oman, as well as protection for your own vehicle.
Depending on your policy, it may include cover for:
- Damage to your own vehicle
- Damage to third-party property
- Injury to other people
- Theft, fire and vandalism and certain natural events
- Optional benefits such as roadside assistance, agency repair or GCC cover
This option is suitable if you want broader protection and greater peace of mind.
Third-party car insurance provides the minimum legal cover required to drive in Oman. It typically includes:
- Damage to other people's vehicles or property
- Injury to other people
It does not cover damage to your own vehicle if you're at fault.
This option may be suitable if you're looking for a lower-cost policy that meets Oman's legal requirements.
Cover, limits and optional benefits vary depending on the policy you choose. Please refer to your policy wording for full terms, conditions and exclusions.
How is the car insurance cost or premium calculated in Oman?
Your car insurance premium is calculated using a combination of factors that help insurers assess the level of risk and the cover you need.
These may include:
- Your vehicle – its make, model, age, market value and repair costs.
- The driver – factors such as age, driving experience and claims history.
- Your cover – whether you choose comprehensive or third-party insurance, along with any optional add-ons.
- Your policy excess (deductible) – choosing a higher excess may reduce your premium.
- Other underwriting factors – insurers may also consider additional information relevant to your policy.
The final premium will vary depending on your individual circumstances, plans you selected and the optional covers or extension you add-on to your selected plan.
One factor that directly lowers it: your No-Claims Discount (NCD) a reduction earned for each claim-free year, starting at 5% and growing the longer you go without a claim. Buying online with GIG Gulf insurance gets you up to 10% off.
Can I transfer my no-claims discount if I switch insurance provider to GIG Gulf?
Yes, the no-claims discount or no-claims bonus, is transferable.
Provide a valid NCD certificate, or other proof of your claims history, from your previous insurer.
Your eligibility and the discount applied will depend on GIG Gulf's underwriting criteria and the documents provided. It is calculated against GIG's own minimum limits for the type of cover (comprehensive or third-party) at the time of the switch.
Buying online with GIG Gulf insurance gets you up to 10% off.
Get a quote online and benefit from your No Claims Discount on switch to GIG insurance.
What is the process to claim insurance in case of an accident in Oman?
If you're involved in an accident in Oman, follow these steps to start your insurance claim:
- Ensure safety and report the accident - Make sure everyone is safe, then contact the Royal Oman Police (ROP) to report the accident. A police report is required for all insurance claims.
Note: for roadside assistance call: 800 70 294
- Obtain the police report - The police will assess the incident and issue an official accident report, which will state who is at fault.
- Submit your claim to GIG Gulf - Once you have the police report, you can submit your claim online or contact GIG Gulf directly through your preferred channel.
- Receive your claim reference - After submission, you will receive a SMS or confirmation with your claim reference number and next steps.
- Vehicle inspection and repair - Based on your policy coverage, your vehicle will be directed to an approved workshop or garage for assessment and repairs.
- Claim settlement and repair updates - You can track your claim status and receive updates until your vehicle is repaired or the claim is settled.
The exact process may vary depending on your policy type and coverage benefits.
Submit your claim with GIG Gulf and get support throughout the process.
Does car insurance in Oman cover damages in other GCC countries?
Yes, through GCC Cover, an optional extension that widens your territorial limit beyond Oman.
It covers you in:
- United Arab Emirates
- Bahrain
- Saudi Arabia
- Kuwait
- Qatar
It's included as standard on Motor Executive; on every other plan, it's an add-on you select before you travel, subject to each country's own rules.
Always check your policy documents to confirm whether GCC cover is included and any territorial limits or conditions that may apply.
Get a quote to check if GCC coverage is included in your plan.
What are the consequences of driving without valid car insurance in Oman?
Driving without minimum valid third-party insurance is illegal in Oman, it's a violation under the Sultanate's Traffic Law, enforced by the Royal Oman Police, and required for vehicle registration in the first place. It carries a fine of up to OMR 300.
Beyond the fine:
Your vehicle can be impounded. And if you cause an accident while uninsured, you're personally liable for the other party's injury, death, or property costs (paid out of your own pocket).
Make sure your insurance is active to stay protected and compliant with the law.
How do I renew my car insurance policy online?
Renew directly through the GIG Gulf Oman website using the "Renew Policy" option — you don't need to start a new application. You'll need:
- Your existing policy number
- Your vehicle registration details (Mulkiya)
- Your Omani driving licence
- Review your renewal quote and coverage options
- Confirm your details and complete your payment online
- Receive your renewed policy instantly by email
Renewing online is quick and ensures your coverage stays active without interruption.
What documents do I need to buy or renew car insurance in Oman?
To buy or renew a car insurance policy in Oman, you’ll typically need:
- A valid Civil ID or resident card (passport for new residents)
- A valid Omani driving licence
- Your vehicle's Registration Card (Mulkiya)
- A copy of your previous policy (for renewals)
- A vehicle inspection report (for used or older cars, if required)
Providing accurate and complete documents ensures smooth policy processing and renewal.
What is a Third party liability coverage car insurance?
Third-party liability called Compulsory Insurance in Oman and is the legal minimum.
This coverage includes:
- Death or injury to the other party, compensated as awarded by court
- Damage to the other party's property
- Their medical treatment costs
- Legal costs and expenses
It does not cover damage to your own vehicle.
This is the minimum legal requirement in Oman and may be suitable if you are looking for a lower-cost option.
What is the best car insurance in Oman for daily drivers and families?
The best car insurance depends on your needs, driving habits, and budget.
When choosing a policy, consider:
- The level of coverage you need
- Your daily driving usage and family needs
- Optional benefits such as off-road cover, GCC cover, or a 7-day hire car after a claim
At GIG Gulf, you can choose comprehensive plans with flexible add-ons to match your lifestyle. Motor Perfect and Executive both include the Family Members extension as standard.
Whether you drive in Muscat, Sohar, or Salalah, GIG ensures complete protection for your car and peace of mind for your family. Learn more about our car insurance plans.
This is important if you want a balance between protection, convenience, and cost.
What is a GCC cover? And why is this important?
GCC cover is an optional extension to your car insurance that protects you once you drive outside Oman. Without it, your standard policy stops covering you at the border.
This matters if you regularly cross into or are driving to:
- United Arab Emirates
- Bahrain
- Saudi Arabia
- Kuwait
- Qatar
It comes standard with Motor Executive; every other plan tier adds it as an optional extra.
With GCC cover in place, you can drive across the region knowing you're insured the whole way.
How much does car insurance in Oman cost?
Car insurance premiums in Oman vary by vehicle and driver profile. The cost depends on factors such as:
- Vehicle make, model, and year
- Driver's age and driving licence duration
- Claims history and your No-Claims Discount (5–40%, based on consecutive claim-free years)
- Type of coverage- Compulsory Third Party, or Comprehensive (Select, Perfect, Executive, or Unified Comprehensive)
- Additional extensions, such as GCC cover, off-road cover, or the hire car benefit
Buying online with GIG Gulf insurance also gets you up to 10% off.
How can I lower the cost of my car insurance premium?
You can reduce your car insurance premium by:
- Maintaining a clean driving record
- Building and protecting your No-Claims Discount, it starts at 5% in your second claim-free year and climbs to 40% by your ninth
- Buying your policy online for up to 10% off with GIG Gulf insurance
- Choosing the plan tier and extensions that actually match your car and driving.
What is a "No Claim" Discount? And how do I avail of it?
What is No Claim Discount certificate?
An NCD rewards each year you go without a claim, 5% in your second year, rising to 40% by your ninth year and beyond.
To avail of it, avoid submitting minor claims, since an at-fault claim affects your standing, and present your NCD certificate when renewing or switching your policy to another insurer.
If you're moving to GIG Gulf, or applying for cover in another country, this certificate is what proves your claims-free history and can reduce your premium.
Who is eligible?
You can request an NCD certificate once you've completed a motor insurance policy period without making a claim.
What happens if I'm found at fault in an accident?
If you're found at fault in an accident:
- Report it to the Royal Oman Police at the scene and get an official accident report
- Notify GIG Gulf's claims team as soon as possible, call 800 70 294, or via the customer portal
- Submit the required documents: your Policy Reference Number, driving licence, Registration Card (Mulkiya), Identity Card, spot photos, and a police report
- GIG confirms your workshop or agency once your documents are in
- Avail 24/7 Roadside assistance & breakdown recovery
What happens to your own car depends on your cover:
- With Comprehensive, GIG repairs or settles for your vehicle like any other claim
Third-party liability insurance covers damage or injury you cause to others.
This coverage includes:
- Damage to other vehicles or property
- Injury to other people
It does not cover damage to your own car/vehicle.
Either way, an at-fault claim affects your No-Claims Discount.
How quickly can I get my Third Party Insurance policy after applying?
Once you've submitted your documents and paid the premium, GIG issues your Compulsory (Third Party) policy after verification for most straightforward online applications, that happens the same day.
Double-check your email address when applying, since that's where your policy documents are sent.
Does Third Party Insurance cover theft or fire?
Not always, it depends on which Third party (Compulsory) plan you have.
- Third Party Liability only doesn't cover theft or fire, it covers what you owe other people, not your own car.
- Third Party Liability + Fire, Theft, Burglary & Malicious Damage does cover those specific risks to your own vehicle, without extending to accidental damage.
For full protection, Comprehensive (Select, Perfect, or Executive) adds accidental damage, collision, flood, and storm cover on top.
Does Third Party Car Insurance cover damages to my own car/vehicle?
No, Third Party Insurance is designed to cover liabilities to other parties. Damage to your car/vehicle would need a comprehensive insurance cover.
- Third Party Liability only covers what you owe other people; nothing goes toward your own car
- Third Party Liability + Fire, Theft, Burglary & Malicious Damage covers your own car, but only for those four specific risks — not general accidental damage, collision, or scratches
For your own car to be covered against accidents and everyday damage, you need Comprehensive (Select, Perfect, or Executive).
Third Party documents
Download terms and conditions with product details
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