02-06-2025
AFNIC's FloodGuard: Why motorists should opt for FloodGuard
In recent years, extreme weather conditions have become increasingly common. Flash floods, storms, and tempests have caused significant damage to vehicles, often catching car owners off guard — especially those without comprehensive motor insurance. To bridge this critical protection gap, Al Fujairah National Insurance Company (AFNIC) has presented an innovative, standalone solution: Motor Flood & Storm Relief Insurance, branded as 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.
