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An insurance policy is a contract between the insurer (insurance company) and the insured (you) where the insurer promises to compensate the insured for specific losses, damage, or liabilities in exchange for premiums paid overtime.
A premium is the amount of money you pay to an insurance company in exchange for coverage. Premiums are typically paid monthly, quarterly, or annually, depending on the policy.
A deductible is the amount you agree to pay out of pocket before your insurance coverage kicks in. For example, if your car insurance has a $500 deductible and you file a claim for $2,000 in damages, you will pay the first $500, and your insurer will cover the remaining $1,500.
A policy is the contract detailing the coverage and terms, while a claim is a request made by the insured to the insurance company asking for compensation for a loss covered under the policy.
Term life insurance provides coverage for a specified term, like 10, 20, or 30 years. It only pays out if the insured dies during the term. Whole life insurance provides lifetime coverage and includes a savings component, accumulating cash value over time.
Takaful is an Islamic insurance concept based on the principles of mutual assistance, solidarity, and shared responsibility. It is designed to comply with Shariah law, which prohibits elements like riba (interest), gharar (uncertainty), and maisir (gambling) that are present in conventional insurance.

Health Insurance

Health insurance typically covers medical expenses such as doctor visits, hospital stays, surgeries, prescription drugs, and preventive care. Coverage varies by policy, so check your specific policy for details.
A network refers to the group of doctors, hospitals, and healthcare providers your insurance company has contracted with to provide services at lower rates. If you see a doctor outside this network, you may pay more.
- Co-pay: A fixed fee you pay for certain medical services, such as $25 for a doctor’s visit.
- Co-insurance: The percentage of costs you share with the insurance company after you’ve met your deductible. For example, if your insurance covers 80%, your co-insurance is 20%.
Yes, the policy can be cancelled mid-term upon written request and subject to the defined terms & conditions of the policy
Duly completed reimbursement claim form along with paid invoices & all relevant medical reports.

Auto (Motor) Insurance

- Liability coverage: Pays for damages or injuries you cause to others.
- Collision coverage: Pays for damages to your car in an accident, regardless of fault.
- Comprehensive coverage: Covers damages to your car from non-collision events like theft, fire, or natural disasters.
- Personal injury protection (PIP): Covers medical expenses for you and your passengers.
- Uninsured/underinsured motorist coverage: Protects you if you're hit by a driver with no insurance or insufficient coverage.
Comprehensive Motor Policy covers accidental damage repairs of the insured vehicle at the manufacturer’s authorised dealers within the UAE.
This is a unified insurance scheme, which is required by vehicles traveling from UAE to Oman. It covers Third Party Liability (TPL) as per the prevailing laws of the country where the accident has taken place. This is offered as an optional cover subject to additional premium being paid. If Orange Card is opted, own damage cover in Oman will be included in your Policy.
Factors affecting premiums include your age, driving record, location, type of car, credit score, and how often you drive. High-risk drivers may pay more for coverage.
In the event of any claim, you can register your claim through the online customer portal where you will need to complete the information or documents requested on the circumstances of your claim and attach the police report.
Policy cancellations can be made subject to the following:
- Transfer of ownership of the vehicle/export out of the UAE
- Cancellation of the vehicle’s permit
- Total loss

Homeowner's Insurance

Homeowner's insurance typically covers:
- Property damage: To your home or personal belongings due to fire, theft, or natural disasters.
- Liability: Protection if someone is injured on your property and sues you.
- Additional living expenses: If you're temporarily unable to live in your home due to damage.
- Replacement cost: Covers the full cost of repairing or replacing damaged property without deducting for depreciation.
- Actual cash value: Covers the cost minus depreciation, meaning you’ll receive less money for older items.
Standard homeowners’ insurance does not cover damages from floods or earthquakes. You would need separate flood or earthquake insurance policies.

Life Insurance

Life insurance is beneficial if you have dependents who rely on your income, outstanding debts, or long-term financial goals (e.g., funding your child’s education). It provides financial protection for your loved ones in case of your death.
A general rule of thumb is to have coverage that equals 5-10 times your annual income. However, your specific needs depend on your financial situation, debts, and dependents.
How much you pay depends on how much you wish to insure your life for and your age. The higher your life benefit, the more you’ll pay in insurance premiums. Equally, the older you get, the higher your premiums get.
- Term life policies: If you stop paying premiums, the policy will lapse, and coverage ends.
- Whole life policies: There may be a cash value that you can use to cover premiums temporarily or surrender for a payout.

Support

You can reach our support team by email at support@insurenow.ae or by phone at +971 56 422 0095, available from 8:30 AM to 4:30 PM, Monday to Friday.
Insure Now offers a range of insurance products, including health, life, auto, and travel insurance, among others. For detailed information on each, please visit our website at insurenow.ae
Yes, you can request a quote through our online form. However, our agents will contact you for more detailed information before finalizing options suited to your needs.

Claim

For filing a claim, please reach out to our claims support team at support@insurenow.ae or call us directly. We’ll guide you through each step and inform you of the necessary documentation.
The required documents vary based on the type of claim. Generally, you'll need proof of identification, policy details, a description of the incident, and any other supporting documents like medical records for health insurance claims or police reports for auto insurance claims.