Frequently asked questions
Motor
Is motor insurance mandatory in Bahrain?
Yes. Third-party (motor liability only) insurance is mandatory under Bahrain law.
What policies cover vehicles?
Two: Motor Liability Only (third party) and Motor Comprehensive. We also offer Comprehensive Plus with a replacement car and roadside assistance.
What does third-party (liability only) cover?
The owner's legal liability for personal injury to, and damage to the property of, other people.
What does the comprehensive policy cover?
All liability risks, plus loss or damage to your vehicle from accident, fire, explosion, self-ignition, lightning, burglary, theft, riot and strike, earthquake, flood, storm and malicious acts, and in transit — also windscreen damage and towing charges.
What is excluded under the comprehensive policy?
Driving under the influence or without a valid licence, tyre damage unless the vehicle is damaged at the same time, wear and tear, and mechanical breakdown.
Which documents do I need to claim?
The claim intimation with your CPR, the police / eTraffic report, the completed claim form, your driving licence and the vehicle registration card.
Can the claim be paid directly to the garage?
Yes. After intimation the surveyor reports and an approved garage is selected by vehicle age — agency repair up to 3 years, approved garages for older vehicles.
What will I have to pay myself?
The compulsory excess, and depreciation where applicable.
What is the No Claim Bonus?
A discount on your premium for every claim-free year.
Property
Which policies cover property?
Standard Fire & Special Perils, Property All Risks, Marine (cargo and hull), Engineering and Burglary policies.
What can be covered under Fire & Special Perils?
Buildings, machinery and equipment, furniture, fixtures and fittings, and stock.
What does the fire policy cover?
Fire, lightning, explosion / implosion, aircraft damage, storm and cyclone, riot, strike and malicious damage, impact damage, subsidence, landslide, bush fire and more.
What does burglary insurance cover?
Theft following actual forcible and violent entry into, or exit from, the premises.
Is there a policy for households and shops?
Yes — the Householder's policy (10 sections) and the Shopkeeper's policy.
Online
Is it safe to pay online?
Yes. Card payments are taken on the bank's secure page (Credimax / Mastercard) or through BenefitPay; we never see or store your card details.
When do I get my policy?
Straight after a successful payment — download it from the confirmation page or My account, and it is sent to your email.
My payment went through but the renewal failed. What now?
Your policy is usually issued automatically within minutes. If not, we refund the amount to your bank account. Call +973 1750 1835 or email pratheep@intercol.com.