Oman Car Insurance for Comprehensive Protection 

At Liva Insurance, we understand that your vehicle is not just a means of transportation but also a valuable asset. That's why we offer flexible motor insurance policies designed to safeguard you, the way you want. 

Customize your insurance with our extensive coverage options for comprehensive insurance, or pick our Third-Party coverage with a wide range of add-ons.
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Insure and get rewarded 

We believe in give you the best value for your car insurance. That's why we have designed an exclusive rewards program that goes the extra mile. Just by purchasing a motor insurance policy from us, you will get access to various discounts and freebies from our various partners! 

We made sure to partner with various different businesses that take care of your car, you, or just provide you with entertainment. 

To see a list of our rewards partners, Click here 

Why Choose Liva Insurance for your motor policy?

  • Strong regional reputation backed by a wide and trusted network
  • Flexible coverage options that let you customize your own motor plan
  • Seamless, hassle-free claims process
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Types of Car Insurance In Oman

Understanding the details of your insurance is essential for you to pick the right option for you, and we are here to guide you every step of the way.

When it comes to car insurance, you have a choice between third-party insurance and comprehensive insurance.

Third-Party Car Insurance

Third-party insurance provides coverage for damages caused to others in an accident where you are at fault, ensuring you meet your legal obligations, but it doesn't cover damages to your own vehicle.

Comprehensive Car Insurance

Comprehensive insurance takes protection to the next level by not only covering third-party liabilities but also providing a safety net for damages to your own vehicle. With comprehensive insurance, you can face the future with confidence, knowing that unexpected events are met with comprehensive protection.

What does your insurance cover? 

 

Comprehensive

Choose This Coverage

Third Party Package

Choose This Coverage

Compulsory Third-Party Insurance
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Accidental damage arising from Natural Calamities
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Add On
Malicious Damage (Damage caused on purpose by a third party)
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Fire theft and burglary
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Personal accident benefits including family members
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Repairs to your vehicle manufacturer's authorized dealer
Add on
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Included cover while travelling to the UAE
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Roadside Assistance
Add on
Add on
*Refer to the The Unified Motor Vehicle Insurance Policy wordings for further details. 

How to buy car insurance in Oman online?

 

VisitOnline Portal 
Buy Car Insurance

 

WhatsApp +968 800 50505 
Say "Hi" to start chat                   

How to submit your claim 

We provide an effortless claims submission process for a seamless and convenience experience. 
To intimate a claim, click here
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Motor FAQs

Motor insurance, also known as vehicle insurance, provides financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Yes, it is mandatory in Oman to have at least third-party liability insurance to legally operate a vehicle on the road.

Third-party liability insurance covers the damages and injuries caused to third parties involved in an accident for which you are deemed responsible. This includes compensation for bodily injury, death, and property damage.

Comprehensive insurance provides wider coverage compared to third-party liability insurance. It covers damages to your own vehicle as well as third-party liabilities. It typically includes protection against theft, fire, vandalism, natural disasters, and other non-collision incidents.

The premium for motor insurance is calculated based on various factors such as the type of coverage selected, the make and model of the vehicle, the age and experience of the driver, and any additional optional covers opted for, among other factors.

Yes, you can transfer your existing motor insurance policy to the new owner of the vehicle upon sale. The transfer process usually involves notifying your insurance provider and providing necessary documents such as the vehicle ownership transfer papers.

Yes, many insurance providers in Oman offer the option to add additional drivers to your motor insurance policy for an extra premium. Additional drivers should meet certain criteria set by the insurance company, such as age and driving experience.

An excess is the amount that you agree to contribute towards the cost of any claim you make under your motor insurance policy. It is typically deducted from the total claim amount. Opting for a higher excess can lower your premium but would mean you pay more out of pocket in the event of a claim.

Some comprehensive motor insurance policies in Oman may include roadside assistance as an optional or built-in feature. This service provides assistance in case of breakdowns, flat tires, battery failures, and other roadside emergencies, offering peace of mind to drivers. It's important to check your policy details to see if roadside assistance is included or can be added as an optional cover.

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