LIVA UAE General Insurance Plan - Car, Travel and Home

Tailored policies from LIVA Insurance (Emirates NBD is an official distributor of LIVA)

Easy quote and application process for existing customers residing in the UAE

Exclusive discounts for Emirates NBD customers

Why choose LIVA?

300 years of international heritage

70 years of experience in the region

9 million customers across the region

99.46% claims satisfaction rating

Motor insurance

Choose the right cover for the road ahead

Rest assured that your car-related worries are at bay with our Motor Insurance plans.

Highest Coverage for Third Party Property Damage and Comprehensive list of LIVA authorized garages

Up to 50% no-claim bonus

Free annual car registration service

Apply now Comprehensive plan Key Facts Document

Travel insurance

Don’t let anything hold you back on your next trip

Ensure that your trip only reminds you of happy memories. Insure yourself and your loved ones against any unplanned events.

Assistance in replacing Passport/Travel documents if lost whilst travelling

Covers winter sports, golf, cruises and purchases in case of delayed baggage

One of the highest medical expense limits globally

Apply now Learn more Key Facts Document

Home insurance

Protect what you worked so hard for

From the walls of your home to the contents in it. Our Home insurance plans safeguard you and your belongings.

Owner's and tenant's insurance

Fire cover & flooding cover

Worldwide coverage for personal belongings

Apply now Learn more Key Facts Document

Insured
Plan Name	Pearl		Ruby		Diamond		Platinum
Coverages (AED)	100,000		200,000		300,000		400,000
Age	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)
18 to 29	32	385	64	770	96	1,155	128	1,540
30 to 39	61	735	122	1,470	184	2,205	245	2,940
40 to 49	90	1,085	181	2,170	271	3,255	362	4,340
50 to 54	103	1,235	206	2,470	309	3,705	412	4,940
55 to 59	128	1,535	256	3,070	384	4,605	511	6,140

*Premiums are exclusive of VAT

Learn more about the plan - Key Fact Statement Terms and Conditions

Primary Insured
Plan Name	Silver (AED)	Gold (AED)	Diamond (AED)	Platinum (AED)	Titanium (AED)	Premier (AED)
Coverage Amount	24,000	30,000	36,000	44,000	50,000	56,000
Annual Premium	682	852	1,023	1,250	1,421	1,591
Semi-Annual Premium	341	426	512	625	711	796
Quarterly Premium	171	213	256	313	355	398
Monthly Premium	57	71	85	104	118	133

Insured & Spouse
Plan Name	Silver (AED)	Gold (AED)	Diamond (AED)	Platinum (AED)	Titanium (AED)	Premier (AED)
Coverage Amount	24,000	30,000	36,000	44,000	50,000	56,000
Annual Premium	1,261	1,576	1,892	2,312	2,628	2,943
Semi-Annual Premium	631	788	947	1,156	1,315	1,472
Quarterly Premium	316	394	473	579	657	736
Monthly Premium	105	131	157	192	219	246

Family (Insured, Spouse and Children)
Plan Name	Silver (AED)	Gold (AED)	Diamond (AED)	Platinum (AED)	Titanium (AED)	Premier (AED)
Coverage Amount	24,000	30,000	36,000	44,000	50,000	56,000
Annual Premium	2,687	3,358	4,030	4,926	5,598	6,269
Semi-Annual Premium	1,344	1,679	2,016	2,463	2,800	3,135
Quarterly Premium	673	840	1,008	1,233	1,400	1,568
Monthly Premium	224	279	335	410	466	523

*Premiums are exclusive of VAT

Learn more about the plan.

Insured
CI Coverage (AED)	50,000		75,000		100,000		125,000		150,000		200,000		250,000		300,000		350,000		400,000
AD & D, PTD A Coverage (AED)	100,000		150,000		200,000		250,000		300,000		350,000		400,000		450,000		500,000		550,000
IHAS Daily benefit (AED)	75		100		125		150		175		200		250		275		300		325
Age	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)
18 to 29	28.60	344.15	41.80	491.50	53.00	638.90	66.20	786.30	77.40	933.65	92.60	1,111.05	112.00	1,339.80	127.20	1,517.20	141.40	1,695.55	156.60	1,872.95
30 to 39	35.65	420.8	49.85	603.35	65.1	785.95	80.3	969.55	95.5	1,152.15	118.75	1,416.75	144.15	1,735.9	166.35	2,001.5	189.6	2,266.1	210.8	2,530.7
40 to 49	59.75	715.75	86.95	1,042.65	114.2	1,369.55	141.45	1,696.45	167.7	2,023.35	212.95	2,557.25	261.4	3,153.1	306.65	3,687	350.9	4,220.9	396.15	4,754.8
50 to 54	109.95	1,310.1	161.25	1,926.85	212.55	2,543.55	263.85	3,159.25	314.15	3,775.95	400.45	4,811.65	493.1	5,925.05	579.4	6,960.75	665.7	7,997.5	752	9,033.2
55 to 59	174.25	2,100.2	257.7	3,097.25	341.1	4,094.3	424.55	5,091.35	506.95	6,088.4	644.35	7,746.5	791.2	9,509.6	929.65	11,167.65	1,069.05	12,825.7	1207.5	14,483.8
60 to 64	251.9	3,021.55	371.5	4,453.05	490.15	5,884.6	608.75	7,316.1	728.4	8,747.65	914	10,970.15	1,112.25	13,350.2	1,296.9	15,572.7	1,481.5	17,795.2	1,668.15	20,017.75

Spouse
CI Coverage (AED)	50,000		75,000		100,000		125,000		150,000		200,000		250,000		300,000		350,000		400,000
AD & D, PTD A Coverage (AED)	100,000		150,000		200,000		250,000		300,000		350,000		400,000		450,000		500,000		550,000
IHAS Daily benefit (AED)	75		100		125		150		175		200		250		275		300		325
Age	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)	Monthly (AED)	Annually (AED)
18 to 29	26.55	310.45	36.7	443.55	47.9	575.7	59.05	708.85	70.25	841	83.45	1,002.15	100.8	1,207.4	113.95	1,366.55	127.15	1,527.7	140.3	1,688.85
30 to 39	31.6	378	45.8	543.35	58.95	707.65	72.15	872	86.35	1,037.35	105.55	1,275.65	129.95	1,563.35	150.15	1,801.65	170.35	2,040	189.55	2,279.3
40 to 49	53.65	642.85	77.85	937.45	103.1	1,232.1	127.3	1,526.7	151.55	1,820.35	191.75	2,300.95	236.2	2,836.2	276.4	3,317.8	315.6	3,797.4	356.85	4,278.05
50 to 54	98.85	1,179	144.1	1,733.35	191.4	2,287.7	236.65	2,843	282.95	3,397.35	360.2	4,329.7	443.8	5,332.35	521.05	6,263.7	599.35	7,195.05	676.6	8,127.35
55 to 59	157.15	1,890.65	232.5	2,788.2	306.9	3,684.75	382.3	4,582.3	455.65	5,479.9	581.05	6,971.45	712.8	8,560.55	837.15	10,052.1	961.55	11,543.65	1,086.95	13,036.2
60 to 64	226.7	2,718.3	334.25	4,007.05	440.8	5,294.85	548.4	6,583.6	655.95	7,872.35	821.5	9,872.15	1,001.65	12,014.65	1,167.2	14,014.45	1,333.75	16,014.2	1,501.35	18,013.95

*Premium prices are inclusive of VAT

FAQs

Can I get travel insurance for someone with a pre-existing medical condition?

Yes you can, but pre-existing conditions will not be covered by the policy.

What are the advantages of an annual travel insurance policy?

An annual policy is good for someone who is likely to travel more frequently as it is more cost-effective, and you don’t have to notify us every time you travel.

What is the difference between single trip and annual cover travel insurance?

A single trip policy covers you only for one specified trip, whereas an annual policy will cover you for multiple trips made during the year without having to notify us. The cover and the limits offered for our annual and single trip policies are identical.

What is the definition of a pre-existing condition?

A pre-existing condition is defined as any medical condition which existed prior to a journey affecting you and/or any close relative and/or travelling companion, including but not limited to (a) a condition for which the person is on a waiting list for hospital in-patient treatment, (b) a condition referred to a medical specialist, (c) a condition or the cause of in-patient treatment within 12 months prior to the journey, or (d) a condition for which a terminal prognosis has been provided by a medical practitioner.

Am I covered for pregnancy related claims?

Our travel insurance policy covers pregnancy related claims up until 10 weeks prior to the estimated date of delivery.

Can I get travel insurance for someone with a pre-existing medical condition?

Yes you can, but pre-existing conditions will not be covered by the policy.

What are the advantages of an annual travel insurance policy?

An annual policy is good for someone who is likely to travel more frequently as it is more cost-effective, and you don’t have to notify us every time you travel.

What is the difference between single trip and annual cover travel insurance?

What is the definition of a pre-existing condition?

Am I covered for pregnancy related claims?

Our travel insurance policy covers pregnancy related claims up until 10 weeks prior to the estimated date of delivery.

Are children covered free of charge for travel insurance?

No children are not covered free, but a reduced rate is charged and they still need to be added into the policy.

Is scuba diving covered under my travel insurance policy?

Yes it is, provided you are with an instructor and you are diving no deeper than 30 metres.

What is the age limit for a travel insurance policy?

Anyone less than 16 years old is considered a child. The maximum age up to which you can be insured is 75 years.

Why is there a 65-year age limit for some travel insurance claims?

The reason we have a 65-year age limit on some travel insurance is because of the high probability of claims from this age group. If we covered these risks, the result would be a general raise in all premiums for everyone. However, we always try to be accommodating, so please speak to us and we’ll do the best we can to help.

Can I choose which garage I want to take my vehicle to?

If you have opted for agency repairs, then your vehicle will be repaired at the main authorized dealership. Otherwise, the insurance company will select one of its authorized repairers depending on the vehicle type, nature of damage and availability.

Can I insure my home if it is used for business?

Our home insurance policy is designed for items of personal use only. However, if your home-office is used for anything other than paperwork and telephone calls, like for e.g., if you receive visits from clients/customers, employ staff, or keep business related cash or stock at the property, please call us to discuss your requirements.

Do I need to list all of my contents?

No, you only need to specify items in the home that are worth more than AED 40,000 and AED 10,000 under personal possessions.

Do I need to provide valuation or proof of purchases for my items?

No, you don’t, although, we may ask at the time of claim for any proof of purchase like receipts or any operating manuals. However, for items those are specified in the policy under cover outside of the home should be supported by proof of purchase or a recent valuation certificate.

Do you offer travel cover for skiing holidays?

Yes, we do offer a skiing option that provides cover on a range of skiing benefits for customers who want to take part in normal winter sports activities. Please tick this box when requesting an online home insurance quotation. A premium charge will be made for this extension.

Do you provide GCC and Oman coverage for motor insurance?

Yes, GCC and Oman cover is provided at an additional cost.

Does Emirates NBD provide motor insurance for high-value cars and sports cars?

Insurance for high-value cars or sports cars can be arranged on a referral basis only.

How are lost or damaged items replaced in the home insurance policy?

All lost or damaged items will all be replaced on a new for old basis (except for clothing, where a wear and tear deduction may be made).

How do you calculate my motor insurance premium?

A number of factors are used to calculate your insurance premium. Amongst these factors are the age of the driver, length of driving experience, claims history, location, value of the vehicle and type.

How many days can I holiday for under the travel insurance policy?

This is set by you when applying. Single trips are covered for up to 62 days, which is also the limit for annual policies.

How much should I insure my home contents for?

As a general guideline, contents are all of the items you would be likely to take when moving out including carpets, curtains, furniture, electrical appliances, valuables, clothing and personal effects. Your contents sum insured must represent the total current replacement cost of all such items in your home. Items that are to be insured outside of the home do not need to be included in this sum.

If I sell my car, is it possible to transfer the insurance to the buyer's name?

As the insurance premium is affected by the profile of the driver, it is not possible to simply transfer insurance cover from one driver to another. The existing policy must be cancelled. The new owner will then be given a new insurance policy that is required for registration purposes.

In case the motor insurance policy is cancelled, do you return the premium for the unexpired period?

The premium for the unexpired period is returned as long as no claims were made during the insurance period. The refund is calculated on pro rata basis.

Is it mandatory to have motor insurance in the UAE?

Yes, you are legally required to insure your vehicle in the UAE.

I've decided to cancel my holiday due to the risk of terrorism. Can I claim a refund?

Cancellation on the grounds of war or terrorism isn't covered by your policy.

What are the documents required to get motor Insurance with Emirates NBD?

To register a new vehicle, you need the purchase invoice from the agency, Emirates ID and driving licence copy.
To renew your motor insurance, you need your Emirates ID, driving licence copy and Mulakiya copy.

What are the hazardous activities covered under my travel insurance? Are there any exclusions?

Our annual and single trip policies cover some hazardous sports. Here’s a list:

Covered	Covered if professionally organised and supervised and you wear appropriate safety equipment	Not covered
Aerobics	Abseiling	Base jumping
Badminton	Archery	Big game hunting
Baseball	Banana boating	BMX stunt riding
Basketball	Black water rafting	Bouldering
Boogie Boarding	Bungee jumping	Boxing
Bowls	Canoeing / kayaking (no white water)	Canyoning
Cricket	Clay pigeon shooting	Caving / pot holing
Croquet	Fencing	Coasterring
Curling	Flotilla sailing (with professional leader)	Cycle racing
Cycling (no racing)	Go karting	Flying (except as a fare paying passenger)
Fell walking	Gymnastics	Free / high diving
Fishing	Hiking under 6,000m	Gliding
Golf	Horse riding (no jumping)	Hang gliding
Ice skating	Hot air ballooning	Horse jumping / hunting
Jogging	Indoor rock climbing (with belays)	Judo / karate / martial arts
Manual work (at ground level involving no machinery)	Jet biking	Kite surfing
	Jet skiing	Lacrosse
Marathon running	Paint balling	Micro lighting
Mountain biking (on recognised routes)	Parascending (over water)	Motor cycling (unless on machines of less than 125cc and where you have held a motorcycle license for at least 3 years and are conviction free)
Rambling	Pony trekking	Mountaineering
Rounders	River tubing (no white water)	Organised team sports
Sailing (within territorial waters)	Shooting (not big game)	Parachuting
Scuba diving (down to 30m accompanied by a qualified diver or instructor)	Sleigh riding as a passenger	Paragliding
Snorkelling	Swimming with dolphins	Parascending over land
Softball	Trampolining	Polo
Squash	Water-skiing (no jumping)	Professional / semi-professional sports
Surfing	White water rafting	Quad biking
Swimming	Zorbing	Rock climbing
Table tennis		Sailing (outside territorial waters)
Tennis		Scuba diving (below 30m)
Ten pin bowling		Shark diving
Volleyball		Street hockey
Walking		Water ski jumping
Water polo		Weightlifting
		Wrestling

What happens if I have a medical emergency or other travel related problems abroad?

We have a dedicated 24-hour Assistance Centre that you can contact from anywhere in the world. Call +971 4 601 8777 for help. Repatriation to the UAE will be arranged if it is deemed medically necessary.

What happens if I'm the victim of a terrorist attack while I’m abroad?

War and terrorism are standard exclusions under the terms and conditions of this and most other travel insurance policies.

What is a motor insurance policy?

A motor insurance policy is a mandatory policy issued by an insurance company as part of prevention of public liability to protect the general public from any accident that might take place on the road. UAE law mandates that every owner of a motor vehicle must have a motor insurance policy.

What is considered outside of the home cover (personal belongings)?

This cover is for objects that are literally "taken outside of the home", for e.g., cameras, watches, sunglasses and jewellery. This cover can be arranged on both a specified and an unspecified basis. You need to specify items that are over AED 5,000, if you require these to be insured outside of the home. For objects below this amount, a general sum insured can be provided, for e.g., up to AED 3,000.

What is off-road coverage?

The coverage under the policy is extended to include loss or damage to your insured vehicle and/or third-party liability while being driven off-road.

What is the compulsory excess indicated on my motor policy?

The excess or deductible is the customer contribution made at the time of non-recoverable claim(s) due to an accident. Non-recoverable motor claims usually occur when an accident is caused by the insurance policy holder. Our standard excess is as per UAE law.

What is the difference between a full cover insurance and third-party insurance?

Full car insurance policy covers you against loss, damage and third-party liability. You are also protected against damage to your motor vehicle due to accidental collision, overturning, fire, external explosion, self-ignition, theft, or a malicious act unless specifically excluded. Accrued legal liability and agreed costs and expenses against third party bodily injury/property damage arising out of use of motor vehicles unless specifically excluded. Third-party liability covers you against death or bodily injury to any third party/person. Damages to third party property arising out of the use of your motor vehicle. More importantly, this policy does not cover any damage or loss to your own vehicle.

What is the excess (deductible) if I claim?

What is the excess if I claim?

This depends on what section you are claiming under. The standard excess for buildings is AED 1,000, contents is AED 250, and cover outside the home is AED 250.

What is the No Claim Discount

A No Claims Discount (NCD) is the discount given on your premium based on the experience (i.e. number of years without claims) of the driver.

What is the procedure to cancel my motor insurance policy?

To cancel the policy, please call the direct line of our sales agents +971 4 3160171, +971 4 3160094, +971 4 3160097, +971 4 3160944.

Why can't the insurance and registration be in two different names?

The policy holder must have a financial interest in the vehicle. The Traffic Department will only register a vehicle in the name stated on the certificate of motor insurance.

Why do I need 13 months of insurance and not 12 months?

A 13-month insurance period is required to cover the one-month registration grace period.

Will my home insurance policy be affected if I go away on holiday?

Your home is covered for a maximum of 60 days while you are away on holiday. If you're planning to be away for longer than 60 days, please contact us to arrange for your home insurance cover to be extended.

Will my home insurance policy be affected if I make multiple claims?

In most cases, it shouldn't make a big difference. However, for the small number of cases where the number of claims are well above the average, we may alter the terms of cover and/or increase the premium when it's time to renew the policy. If you have a break-in, we'll offer suggestions on home security and may ask you to carry out security improvements at your next renewal.

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