Frequently Asked Questions

Al Amal provides customer support and insurance facilitation services. We help customers understand available insurance options and coordinate the process through our UAE insurance network.

Insurance policies are issued by the applicable UAE-licensed insurance provider and may be arranged through licensed insurance partners.

No. Policy issuance and underwriting are handled by the applicable UAE-licensed insurance provider.

Eligibility, premiums, policy terms, conditions and claims decisions are determined by the relevant provider.

Yes. Al Amal is based in Ajman and provides customer support for eligible insurance requirements across the United Arab Emirates.

Our main focus is vehicle and motorbike insurance. We can also help customers explore available health, travel, home, pet and business insurance options.

You can submit your details through our contact page, call us on +971 50 660 9237 or message us on WhatsApp. The information required depends on the type of insurance you need.

Applicable motor insurance is required for vehicles registered and used on UAE public roads. Coverage and eligibility depend on the vehicle and the relevant insurance provider.

Third-party liability insurance provides applicable cover for eligible liability relating to injury or property damage to third parties, subject to the policy.

It does not generally provide accidental-damage cover for your own insured vehicle.

Comprehensive motor insurance provides broader protection and may include loss or damage to your own insured vehicle in addition to third-party liability.

Benefits, limits, exclusions and optional extensions depend on the selected policy.

Agency repair may be available depending on the vehicle, vehicle age, insurance provider and selected policy. It should be confirmed in the final quotation and policy terms rather than assumed.

Factors can include vehicle type, age, value, use, driver information, claims history, selected cover, excess, repair arrangements, additional benefits and provider underwriting.

Previous claims or no-claims history may be considered where accepted by the relevant insurance provider. Any resulting pricing treatment or discount depends on that provider's rules.

Insurance options may be available for eligible delivery and commercially used motorcycles. Commercial use should be declared because the underwriting requirements can differ from private use.

Comprehensive cover may be available for eligible sport or performance motorcycles. Availability depends on the bike, value, rider profile, declared use and provider underwriting.

Modifications should be disclosed when requesting insurance. Acceptance, restrictions and available coverage depend on the modification and the relevant provider's underwriting requirements.

Yes. Al Amal can help customers explore available individual, family and eligible business medical insurance options across the UAE.

Applicable requirements vary according to emirate, residency, employment, sponsorship and individual circumstances.

Important considerations can include hospital and clinic network, inpatient and outpatient benefits, co-payments, annual limits, pharmacy benefits, maternity where applicable, chronic or pre-existing condition terms and exclusions.

Not automatically. Coverage depends on applicable requirements, medical declarations, provider underwriting and the specific terms of the selected policy.

Depending on the selected policy, benefits may include emergency medical expenses, evacuation or repatriation, eligible trip cancellation or curtailment, baggage-related losses and certain travel-delay benefits.

Suitable travel medical insurance options may be available for eligible Schengen visa applications.

The insurance must meet the applicable visa requirements, and the relevant embassy, consulate or visa authority ultimately determines whether the submitted documentation is acceptable.

Annual multi-trip options may be available for frequent travellers. Individual trip-duration limits, geographical restrictions, traveller-age rules and other conditions can still apply.

Yes. Tenants can explore contents and eligible personal liability insurance options for rented homes. Available benefits, limits and exclusions depend on the selected policy.

Building insurance generally relates to the insured structure and eligible permanent fixtures. Contents insurance generally relates to insured household belongings such as furniture, appliances and electronics.

No blanket assumption should be made. Certain types of water damage or natural perils may be covered depending on the policy's insured events, definitions, exclusions, limits and conditions.

Pet insurance options may be available for eligible cats and dogs. Availability, benefits and eligibility depend on the relevant provider and policy.

Pre-existing conditions are not automatically covered. Definitions, exclusions, age restrictions, waiting periods and eligibility depend on the selected policy.

Yes. We can help eligible UAE businesses explore available commercial insurance options such as property, liability, professional indemnity, marine cargo, commercial vehicle, fleet and contractor-related cover.

Not necessarily in the same way for every business. Requirements can depend on business activity, contracts, premises, clients, licensing conditions and other applicable obligations.

Depending on the insurance type, information may include your trade licence, business activity, locations, turnover, employee information, asset or stock values, vehicle details, claims history and contractual insurance requirements.

Follow the notification instructions stated in your policy and contact the applicable insurance provider promptly.

Al Amal can help you understand the applicable process and the supporting documents requested under your policy.

No. Claim assessment and final claim decisions are made by the applicable insurance provider according to the policy terms and the circumstances of the claim.

Requirements depend on the type of insurance and incident. The provider may request claim forms, identification, policy information, invoices, reports, photographs, police or authority documents, medical records or other supporting evidence where applicable.