FAQs

The premium for car insurance is calculated as a percentage of the value of your car.

Also known as ‘Deductible’, the Policy Excess is the fixed amount of money that you have to pay for each and every claim you may have –

The premium for super-fast and exotic cars is a little higher and the policy excess (deductible) is applicable  based on the fact that these cars are very expensive to repair and generally have a higher risk of accidents than normal cars

If the estimated cost of repairing your damaged car is greater than 70% of the car’s insured value, it would be considered as a total loss

KQIC does not provide Comprehensive insurance policies for cars which are older than five years

Agency repair is provided as standard for the first 3 years on new vehicles. A further 2 years agency repair can be purchased for an additional premium.

The premium for motorcycle insurance is calculated as a percentage of the value of your moterocycle. If you have had any accidents, it would be factored in to the premium.

Also known as ‘Deductible’, the Policy Excess is the fixed amount of money that you have to pay for each and every claim you may have –

The premium for super-fast and exotic motorcycles is a little higher and the policy excess (deductible) is applicable based on the fact that these motorcycles are very expensive to repair and generally have a higher risk of accidents than normal motorcycles

If the estimated cost of repairing your damaged motorcycle is greater than 70% of the motorcycle’s insured value, it would be considered as a total loss

KQIC does not provide Comprehensive insurance policies for motorcycles which are older than five years

Agency repair is provided as standard for the first 3 years on new vehicles. A further 2 years agency repair can be purchased for an additional premium.

The period of cover for a travel insurance ranges from one week to six months. The annual multiple cover is valid through one year (inclusive of maximum of 180 days stay per trip)

Pre-existing medical treatments are excluded from the scope of Travelcare Plus policy

Travelcare Plus covers for individuals up to the age of 70 years. A premium loading of 100% is applicable for applicants aging between 70 and 75 years. A medical certificate stating the fitness of the applicant needs to be submitted at the time of purchase of the policy

Children under the age of 18 are charged only 50% of the standard premium

To purchase a Travelcare Plus policy, the customer must either be a permanent or a temporary resident of Kuwait and must have a residence or a regular place of business in Kuwait. We have inbound travel insurance product “Travelcare Kuwait” which covers the visitors coming to Kuwait.

The first portion of each and every loss is USD 50 and will be borne by the insured. The Policy Excess fee is applicable only under sections A, C, D, E, F and L of the provided table (see below)
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Involvement in any adventurous sport is typically not covered. However, the policy may be extended for an additional premium to include Winter Sports Extension (limited to recreational On-Piste skiing and snowboarding)

KQIC’s Travel insurance provides cover for return trip arrangements only

Travelcare Plus offers medical cover ranging from USD 50,000 to USD 1,000,000, which makes it fully acceptable to the requirements of an Embassy.

Your policy will be valid for a year and will start from the date of payment

The exclusions include loss or damage caused by or arising out of:

• War and allied perils
• Nuclear perils
• Ionizing radiation/contamination
• Terrorism
• Damage to personal contents caused by perils as stated under exclusions in the policy wordings
• Construction, reconstruction/repair causing damage to outdoor fixtures/fittings like gates, fences, antennas, aerials, masts, towers and external television.
• Damage caused by hurricane, cyclone, tornado or windstorm
• Property which is not in your name or property for which you are legally not responsible
• If the value of the property is not included in the total sum insured
• Deeds, bonds, bills of exchange, promissory notes, cheques, travellers cheques, securities for money, stamps, documents of any kind, cash, currency notes, manuscripts, medals, coins, cars and its accessories, pedal cycles and livestock unless specially mentioned in your policy

Your policy will cover you for loss or damage caused by or arising out of:

• Fire, lightning, thunderbolt, subterranean fire, explosion (Building cover only for owners)
• Riot, strike, which means:
• A) The act of any person taking part together with others in any disturbance to public peace (whether in connection with a strike or lock-out or not) not being an excluded peril
• B) The action of any lawfully constituted authority in suppressing or attempting to suppress any disturbance or minimizing the consequence of any such disturbance
• C) The willful act of any striker or locked-out worker done in furtherance of a strike or in resistance to a lock-out
• D) The action of any lawfully constituted authority in preventing or attempting to prevent any such act or minimizing the consequence of any such act

• Part of a damaged aircraft or any other aerial device causing damage to your building and your personal contents (e.g. breaking of windows/burning of curtains)
• Bursting or overflowing of water tank, apparatus or pipe

• Theft accompanied by actual, forcible and violent breaking into or out of a building or any attempt thereat, provided that during the period when the building is left without an inhabitant, cover against theft is suspended from the beginning of the sixty-first day of consecutive unoccupancy in any one period of insurance
• Earthquake, volcanic eruption (including flood, overflow of sea occasioned thereby)
• Hurricane, cyclone, tornado, windstorm (including flood, overflow of sea occasioned thereby)
• Flood (including overflow of sea) other than what is mentioned in points 6 & 7 of your policy wording
• All insured perils

We only need your permanent address in Kuwait, Kuwaiti Civil ID number, mobile number and your email address

Invoices, receipts and pictures of your personal contents serve as Onus of Proof

Sum Insured is the total estimated value of your personal contents and/or your building

Furniture items which cannot be moved around easily are categorized as Fixed Personal Contents

The insured declared value of the building/villa/surrounding/property wall is called the Building Value and is inclusive of fixtures & fittings like air-condition/lights and surrounding structures like Majlis, servants/drivers quarters

Valuable items like jewelry, laptop, camera, unfixed household goods and other personal effects that you own are your personal contents. They may include:

• Carpets – fixed and unfixed, internal blinds and curtains
• Furniture and furnishings, electrical appliances such as TVs, stereos, computers, washing machines, dryers
• Refrigerators, freezers, portable heaters household tools and gardening equipment including ride-on mowers
• Items that you are legally responsible for

A sum of KD 20, which is the first portion of each and every claim/loss/damage, is the Policy Excess and must be borne by the insured