Geographical Coverage: In all IRAQ

–     Own damages to the insured vehicle due to accidents:
As a result of a collision, with another vehicle or any solid object, or from the vehicle overturning or its collapse with/or without a prior collision. up to the vehicle’s market value at time of accident
–       Fire of the insured vehicle:  
Which causes damage to the insured vehicle and its parts as a result of fire or explosion fire of the vehicle.
These damages can be either external (like to the body of the car) or internal (for example any damage to the wiring or electrical fittings)
Generally, for insurance, a “fire” is any ignition or outbreak of visible flames in the car, so any damages caused by things like short-circuiting or overheating aren’t considered “real fires”
–       Total loss of the vehicle following an accident: 
It is expressly understood and agreed that in case of a covered accident, the car shall be considered a total loss, when the cost of repair exceeds 70% of the vehicle Sum Insured at the time of the accident, subject to a 10% deductible from the Vehicle Market value
The insurer will indemnify the insured by 90% of the vehicle’s market value or the sum insured in the contract, whichever is less on the day of the accident, and the insurer can keep the salvage
–       Theft of the Insured vehicle:
Notwithstanding anything contained to the contrary, it is agreed and understood that this policy is extended to cover Loss or Damage to the insured vehicle as the result of Theft or attempted Theft, involving forcible entry (Meaning accompanied by breakage appearing on the external body of the vehicle). This Contract excludes however, parts and accessories (as defined in section B, “Own Damage” in the General Conditions attached) unless the vehicle itself has been stolen at the same time:
· Theft of the insured vehicle with a key or by any means other than forcible entry is excluded from the present Contract
·In any case, payment of any Indemnity under the present Cover is subject to the handing over of    Vehicle keys & Licenses to the Company & to officially notify the nearest Police Station and any other concerned Legal authority within a maximum of 12 hours of the happening
·Theft of the vehicle is subject to 10 % deductible from the vehicle’s market value) and the insurer will indemnify the insured by 90% of the vehicle’s market value or the sum insured in the contract, whichever is less on the day of the accident, and the insurer can keep the salvage
·Excluding Hold-Up and the partial theft
 –       Third Party Liability due to accident: IQD 52,500,000 (IQD FIFTY TWO MILLION FIVE HUNDRED THOUSAND Only)
Combined  limit for Bodily Injury, and Material Damages to the third-party property, while using the insured vehicle, as below: 

          •  Material damages: up to IQD 37,500,000 in the aggregate for the policy period
          •  Bodily Injuries: up to  IQD 15,000,000 in respect of Death & total & partial Disability and per claim,
including Medical Expenses and in the aggregate for the policy period
 –       Personal Accidents (Driver & Passengers) due to accident: IQD 4,500,000 (IQD FOUR MILLION FIVE HUNDRED THOUSAND Only)
Up to IQD 4,500,000 per person in case of death, total & partial Disability and medical expenses per person;
It is hereby declared and agreed that this policy is extended to cover the driver to the insured vehicle (The insured himself and /or any person driving the vehicle with the knowledge of the insured), as well as any passenger, up to the maximum capacity of each vehicle specified in the relevant official papers
–       Airbags damages due to accident: IQD 750,000 (IQD SEVEN HUNDRED FIFTY THOUSAND Only)
 This policy is extended to cover the loss or damage to the airbags of the vehicle insured “Following a covered accident”, and up to IQD 750,000 per unit/airbag 
Exclusions:
·Excluding Electronic and Electrical damages for the insured vehicle unless from a covered accident
·Excluding Liability arising out of transported goods for Bodily Injury and/or Property Damage,
whether the loss or damage was caused by an accident or not 
·Excluding any claim in case the driver is less than 18 years and / or without driving license
·Excluding any claim in case Under the influence of Alcohol or when passing a red traffic light, or driving with a violation of traffic laws
·Excluding Scratching and Denting damages
·Excluding wear and tear 
·Excluding any pre-existing damages
Special  Conditions:
•       Depreciated spare parts, as from manufacturing year:
–  0% if the vehicle’s age is 1 year or less (from the year of make of the vehicle)
–  5% for each additional year, with a maximum of 50%  
•       An additional deductible of IQD 75,000  is applicable on each and every claim, if at the time of accident:
– The driver’s driving license issue date is less than one year old, or
– The driver is less than 21 years old
•       The cancelation of policy, is on a pro-rata basis, with deducting stamps, taxes & paid claims 
•       “Claim form declaration” must be filled out by the insured prior to the repair process 
•       Inspection of the vehicle’s damages is compulsory prior to the repair process
•       Outside Agency: Repair shops can be chosen by the insured subject to be agreed on, along with the  repair amount by Dilnia Insurance  
•       Nil Deductible on own damages
Motor General Conditions Wording will apply
– In case of any claim, please call:
0772-1590080
0770-0586869
– For the Police Report, please call 440 ( 24/7 in all Kurdistan cities)