AFNIC's FloodGuard: Why motorists should opt for FloodGuard
What is FloodGuard?
This exclusive product offers protection against accidental loss or damage to your car solely due to specific weather-related perils: Flood, Inundation, Storm, and Tempest (FIST). It is designed for vehicles not insured under comprehensive insurance, including those insured only under a Motor TPL Policy.
Who can avail FloodGuard?
Eligible vehicles include privately-owned or company-owned cars used strictly for private and pleasure purposes. Commercial vehicles, pickups, buses, motorcycles, and cars used for hire or reward are excluded.
Key features at a glance
Standalone Protection: Independent of your existing TPL insurance, even if it's with another insurer.
Annual Policy Term: Covers a full 12 months (not 13 months).
Loss Limit-Based Coverage: Claims are capped by a chosen Loss Limit, not the market value or sum insured. Currently available at Dh25,000 and Dh50,000 Loss Limits.
Reinstatement Option: Replenish the Loss Limit post-claim with additional premium.
Total Loss Payouts: Up to 90% of Depreciated Market Value (DMV) or Loss Limit — whichever is lesser.
Weather Data Authentication: Claim eligibility based on UAE's National Centre of Meteorology reports.
Repair Coverage: Non-agency repairs only; agency repairs excluded.
Cash Loss Option: Choose to receive cash instead of repairing the vehicle.
Some of the major exclusions to note:
No cover during the first 15 days (unless it's a continuous renewal).
Damage while desert driving, dune bashing, or traversing wadis, rivers, lakes, or beaches — even if dry.
No replacement car, rent-a-car, or loss of use benefits.
Gradual damage or pre-existing damage is not covered.
Policy ends upon sale/transfer of vehicle or total loss claim.
Quick and easy purchase options: Policies can be easily obtained by accessing AFNIC's website or dedicated portal via QR Code or direct Link. The entire process can be completed in just a few steps — in less than five minutes.
Prefer a personal touch?
Visit any AFNIC branch Office or one of over 40 AFNIC outlets across the UAE for on-the-spot issuance.
Peace of mind in every forecast: This pioneering product ensures your vehicle is not left vulnerable during unpredictable climatic events, giving peace of mind to vehicle owners across the UAE. For car owners not opting for a comprehensive plan, FloodGuard offers affordable, essential, and timely protection tailored for today's unpredictable weather challenges.
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