Personal Insurance
Home Umbrella Insurance
Our home is one of our basic necessities of our life. It is considered as extension of our personality. Protect your home from the various perils under Home Umbrella Insurance.
This policy is more comprehensive which covers the building and contents, including owner’s liability and personal accident protection. It’s a package of various risks extended to owners/residents of villa/apartment.
Cover under this insurance
- Building: Building Insurance covers your building against accidental damage caused due to fire and allied perils.
- Tenant Insurance: Tenant Insurance covers a rented house against loss or damage caused from theft, fire or any other natural or manmade catastrophes.
Key Benefits
- Personal Belongings Cover: Whether you are at home or overseas, Personal Belongings cover gives you peace of mind by protecting your belongings.
- Key Replacement Cover: Home insurance pays for replacement locks and keys, if your keys are lost, stolen or damaged accidentally.
- Loss of Rent and Alternative Accommodation: If your home is uninhabitable due to loss or damage, it provides a similar short-term accommodation that covers your family and domestic pets.
- Contents Temporarily Removed: It cover the loss or damage to your home contents caused by perils while they are temporarily removed from your house and shifted to other premises.
- Fatal injury benefit
- Visitors personal effects
- Occupiers liability
- Personal money & credit cards
- Domestic helpers
Our technical team will be happy to assist you should you require additional information or further clarification.
Pleasure Craft / Boat Insurance
We provide cover to Individual owner of pleasure craft within the country excluding the racing boats. The extended cover can be offered for Personal Effects, Personal Accidents and also cover for whilst in transit.
Yachts & Boats insurance covers Hull & Machinery, Collision and Legal Liabilities.
Hull & Machinery Insurance provides comprehensive insurance for loss or damage to vessel against loss or physical damage. Coverage extends to all equipment that is mounted on the boat or used to operate it safely. Such equipment includes horns, lights, dinghies, boat & motor covers, signalling devices, depth finders, ship to shore radios, and boat furniture. Most policies also extend coverage to trailers that are designed for and used to transport the boat.
Collision & Legal Liabilities covers damage where an insured is legally obligated to pay arising out of the ownership or use of a covered vessel.
Boats can be insured for an agreed value amount, or, on an actual cash value (market value) basis. Engines are usually insured for replacement cost. It is considered as extension of our personality. Protect your home from the various perils under Home Umbrella Insurance. This policy is more comprehensive which covers the building and contents, including owner’s liability and personal accident protection. It’s a package of various risks extended to owners/residents of villa/apartment.
Perils Covered:
Perils covered are Losses and/or damages caused by:
- Perils of the seas, rivers, lakes or other navigable waters.
- Fire, jettison and piracy.
- Contact with dock or harbour, land conveyance.
- Explosions.
- Malicious acts.
- Theft of the entire vessel or her boat(s) or outboard motor(s).
- Latent detects in hull or machinery.
- Loss or damage to any other vessel or property.
- Loss of life, personal injury or illness.
- Removal or destruction of wreck.
Extensions under the policy
The following extensions can also be considered on request but, subject to additional premium and at terms and conditions agreed:
- Outboard motor dropping off or falling overboard.
- Personal effects.
- Liability to or incurred by any person engaged in water skiing or similar activities.
- War and strikes risks.
- Machinery damage.
Premiums are based on age, construction, navigation equipment, purpose of usage [private or commercial], passenger capacity, previous loss history etc.
Our technical team will be happy to assist you should you require additional information or further clarification.
Motor Insurance
Third Party Liability Insurance
Third Party Liability insurance is mandatory in order to register the vehicle in UAE and this policy provide covers liability to Third Party against Personal injury/death and/or property damage. The liability against any third party personal injury/death or third party property damage is as per the unified policy wording of UAE.
Under this policy the company undertakes to compensate the insured in the event of an accident caused by or arising out of the use of the motor vehicle subject to the limits specified in this policy, against all sums which the insured shall become legally liable to pay as compensation.
Death or bodily injury to any person including the passengers in the vehicles, except the insured or the driver at the time of the accident and their families spouse, parents and children and the employees of the insured if they are injured during the working hours or as a result of their work.
Damages for materials and property, except those owned by the insured or the driver at the time of the accident or property held in trust or in their
custody or control.
Motor- Loss, Damage and Third Party Liability (Comprehensive Insurance)
Under the motor insurance policy, the Company indemnifies the insured as under:
Own Damage
SECTION 1
The Company undertakes to indemnify the insured for loss of or damage to the vehicle, its accessories and spare parts whilst thereon;
- By accident or accidental collision or overturning consequent upon mechanical breakdown or consequent upon wear and tear.
- By fire, external explosion, self ignition, lightning or thunderbolt.
- By burglary or theft.
- By malicious act of any third party.
- Whilst being in transit (including the process of loading and unloading incidental to such transit) by road, rail, inland waterway, lift or elevator, relating to the said transportation.
Third Party Liability
SECTION 2
Against Third Party Liability
The company shall compensate the insured in the event of an accident caused by or arising out of the use of the motor vehicle, subject to the limits
specified in this policy, against all sums which the insured shall become legally liable to pay as compensation for.
Death or bodily injury to any person including the passengers in the vehicles except the insured or the driver at the time of the accident and their
families spouse, parents and children and the employees of the insured if they are injured during the working hours or as a result of their work.
Damages for materials and property, except those owned by the insured or the driver at the time of the accident or property held in trust or in their
custody or control.
Our technical team will be happy to assist you should you require additional information or further clarification.
Travel Insurance
If you want to travel with full protection, Noble Insurance can help you do so. We can arrange travel insurance policy covering cancellation charges, emergency medical expenses, curtailment of journey, Personal Accident, loss of passport, loss of baggage, delayed baggage and loss of money and missed departure. We can make it available for the specific number of days required for the journey and/or on annual basis. By having the Policy, you can easily complete the requirement of applying for visa to European Countries.
Noble offers the best rates, benefits, and coverage options, allowing you to protect your trip investment and personal wellbeing.
Our technical team will be happy to assist you should you require additional information or further clarification.
Personal Accident Insurance
We are prone to the accident and all you need is protection against accident. This cover operates 24 hours and on a worldwide basis. It provides for payment of specified capital benefits following accidental death, bodily injury, permanent total disablement, and permanent partial disablement,temporary total and temporary partial disablement caused by an accident.
In addition, the cover also provides reimbursement of emergency transportation to the nearest hospital and also expenses incurred for preparation and repatriation of the mortal remains of the insured person from the place of death to the country of residence.
Cover under this insurance
This cover can also be extended to cover medical expenses.
- Accidental death: compensation is 100% capital sum insured.
- Permanent total disability: compensation is 100% capital sum insured.
- Permanent partial disability: compensation is as per continental scale.
- Temporary total disability: compensation is calculated on the basis of salary with a maximum of 52 weeks.
- Medical expenses: compensation up to AED 5,000/- (or higher limit) per person per injury.
- Repatriation expenses: compensation for transportation or burial up to AED 5,000 (or higher limit) per person.
Premiums are based on the sum insured selected, age, nature of work, salary levels and the optional benefit selected.Our technical team will be happy to assist you should you require additional information or further clarification.
Individual Medical Insurance
In our busy schedule health is neglected very often and we realize the fact when we start paying heavily for medical treatment and medicines. Noble Insurance helps to provide for your Medical expenses by providing you and your family best-suited product.
Whether you live within the GCC or are travelling abroad you’ll want to feel sure that, should anything happen to you or your family by way of an illness or injury, you have access to the best possible medical care.
While abroad, you might find that
- The standards of healthcare that we take for granted aren’t always available elsewhere.
- Local hospitals may be unable to undertake the treatment you need,
- To arrange transportation to the nearest available healthcare facility in an emergency.
- Some countries do not have state healthcare facilities and even if they do, as a visitor, it is quite likely that you’ll be entitled to nothing more than basic care.
Unique Features offered
- Products with nil deductibles
- Cover for Pre-existing conditions
- Most competitive rates
- Worldwide coverage with best network
NOBLE specializes in offering cost-effective coverage for excellent medical services with a range of deductibles and coinsurances. NOBLE has
solutions for everyone:
- Singles
- Families
- Self-employed
- In-between jobs or without group coverage
- Early Retirees
Our technical team will be happy to assist you should you require additional information or further clarification.