SCHEDULE ‫ﺍﻟﺠﺪﻭﻝ‬

Against Loss, Damage and Third Party Liability ‫ﺿﺪ ﺍﻟﻔﻘﺪ ﻭﺍﻟﺘﻠﻒ ﻭﺍﻟﻤﺴﺆﻭﻟﻴﺔ ﺍﻟﻤﺪﻧﻴﺔ‬
Name of Insured : AL-NAHDA CONTRACTING & : ‫ﺍﺳﻢ ﺍﻟﻤﺆﻣﻦ ﻟﻪ‬ Policy No : M300022205116 : ‫ﺭﻗﻢ ﺍﻟﻮﺛﻴﻘﺔ‬
GENERAL MAINTENANCE
ESTABLISHMENT
Mortgaged to : :‫ ﺟﻬﺔ ﺍﻟﺮﻫﻦ‬Customer Ref.No.: 1251252 : ‫ﺭﻗﻢ ﺣﺴﺎﺏ ﺍﻟﻌﻤﻴﻞ‬
Address : P.O.Box 20313 :‫ ﺻﻨﺪﻭﻕ ﺍﻟﺒﺮﻳﺪ‬Product : Motor - Comprehensive : ‫ﻓﺌﺔ ﺍﻟﻤﻨﺘﺞ‬
Emirate : Abu Dhabi : ‫ﺍﻻﻣﺎﺭﺓ‬ Contact No : 047048600 : ‫ﺭﻗﻢ ﺍﻟﻬﺎﺗﻒ‬
Period of Insurance : From ‫ ﻣﻦ‬31/08/2022 12:28 To ‫ ﺍﻟﻰ‬29/09/2023 : ‫ﻣﺪﺓ ﺍﻟﺘﺄﻣﻴﻦ‬
Total Premium : AED 1,506.75/- : ‫ﻗﻴﻤﺔ ﺍﻟﻘﺴﻂ‬

SPECIFICATION OF THE INSURED: ‫ﺍﻭﺻﺎﻑ ﺍﻟﺴﻴﺎﺭﺓ ﺍﻟﻤﺆﻣﻦ ﻋﻠﻴﻬﺎ‬

‫ﺭﻗﻢ ﺍﻟﻤﺤﺮﻙ‬ ‫ﺭﻗﻢ ﺍﻟﻘﺎﻋﺪﺓ‬ ‫ﺳﻨﺔ ﺍﻟﺼﻨﻊ‬ ‫ﺍﻟﻠﻮﻥ‬ ‫ﺷﻜﻞ ﺍﻟﻬﻴﻜﻞ‬ ‫ﻧﻮﻉ ﺍﻟﻤﺮﻛﺒﺔ‬
Engine Number Chassis Number Year Colour Body Type Make
‫ﺍﺑﻴﺾ‬ ‫ﺣﺎﻓﻠﺔ‬ ‫ﻣﻴﺘﺴﻮﺑﻴﺸﻲ ﻛﺎﻧﺘﺮ‬
QR25626636 JN6BE6DS2G9800469 2016 White Bus MITSUBISHI
CANTER
‫ﺍﻟﻮﺯﻥ‬ ‫ﻗﻮﺓ ﺍﻟﻤﺤﺮﻙ ﺑﺎﻻﺣﺼﻨﺔ‬ ‫ﺳﻌﺔ ﺍﺳﻄﻮﺍﻧﺎﺕ ﺍﻟﻤﺤﺮﻙ‬ ‫ﻋﺪﺩ ﺍﻟﺮﻛﺎﺏ ﺑﺎﻟﺴﺎﺋﻖ‬ ‫ﺍﻟﻐﺮﺽ ﻣﻦ‬ ‫ ﺍﻟﻔﺌﺔ‬/‫ﺭﻗﻢ ﺍﻟﻠﻮﺣﺔ‬
‫ﺍﻟﺘﺮﺧﻴﺺ‬
Weight H Power Cylinders Seating Capacity Registration Type Reg. No./Category
‫ﻋﻤﻮﻣﻲ‬
- 4 ‫ﺳﻠﻨﺪﺭ‬ 14+1 Commercial 17337/1
(‫) ﻓﻘﻂ ﺧﻤﺴﺔ ﻭﺧﻤﺴﻮﻥ ﺃﻟﻒ ﺩﺭﻫﻢ‬ ‫ ﺩﺭﻫﻢ‬55,000.00/- : ‫ﺍﻟﻘﻴﻤﺔ ﺍﻟﺘﺄﻣﻴﻨﻴﺔ ﺍﻟﻤﺘﻔﻖ ﻋﻠﻴﻬﺎ‬
Agreed Sum Insured : AED 55,000 /- UAE DIRHAMS FIFTY-FIVE THOUSAND ONLY

Limit of Liability : : ‫ﺣﺪﻭﺩ ﺍﻟﻤﺴﺆﻭﻟﻴﺔ ﺍﻟﻤﺪﻧﻴﺔ‬

The maximum authorized repair limit As Applicable ‫ﺍﻟﺤﺪ ﺍﻻﻗﺼﻰ ﻟﺘﻜﺎﻟﻴﻒ ﺍﻻﺻﻼﺡ ﺍﻟﻤﺼﺮﺡ ﺑﻪ‬
The Company's maximum liability in respect of paragraph As Applicable ‫ ﺍﻟﺤﺪ ﺍﻻﻗﺼﻰ ﻟﻠﻤﺴﺆﻭﻟﻴﺔ ﺍﻟﺸﺮﻛﺔ ﺑﺎﻟﻨﺴﺒﺔ ﻟﻠﻔﻘﺮﺓ )ﺃ(ﻣﻦ‬-1
(a) of Clause 1 of Section II in respect of any one claim or ‫(ﻣﻦ ﺍﻟﻔﺼﻞ ﺍﻟﺜﺎﻧﻲ ﻋﻦ ﺍﻳﺔ ﻣﻄﺎﻟﺒﺔ ﺍﻭ ﺟﻤﻠﺔ‬1) ‫ﺍﻟﺒﻨﺪ‬
series of Claims resulting from one accident is the sum ‫ﻣﻄﺎﻟﺒﺎﺕ ﻧﺸﺄﺕ ﻋﻦ ﺣﺎﺩﺙ ﻭﺍﺣﺪ ﻫﻮ ﻗﻴﻤﺔ ﻣﺎ ﻳﺤﻜﻢ ﺑﺔ‬
awarded by the Court whatever it may be. .‫ﻗﻀﺎﺋﻴﺎ ﻣﻦ ﺗﻌﻮﻳﺾ ﻣﻬﻤﺎ ﺑﻠﻐﺖ ﻗﻴﻤﺘﻪ‬
The Company's maximum liability in respect of Paragraph AED 2,000,000 /- (‫ ﺍﻟﺤﺪ ﺍﻻﻗﺼﻰ ﻟﻤﺴﺆﻭﻟﻴﺔ ﺍﻟﺸﺮﻛﺔ ﺑﺎﻟﻨﺴﺒﺔ ﻟﻠﻔﻘﺮﺓ )ﺏ‬-2
(b) of Clause 1 of Section II in respect of any one claim or ‫( ﻣﻦ ﺍﻟﻔﺼﻞ ﺍﻟﺜﺎﻧﻲ ﻋﻦ ﺍﻳﺔ ﻣﻄﺎﻟﺒﺔ ﺍﻭ‬1) ‫ﻣﻦ ﺍﻟﺒﻨﺪ‬
series of Claims resulting from one accident is (DH). .‫ﺟﻤﻠﺔ ﺍﻟﻤﻄﺎﻟﺒﺎﺕ ﻧﺸﺄﺕ ﻋﻦ ﺍﻟﺤﺎﺩﺙ ﺍﻟﻮﺍﺣﺪ‬
Licensed Driver: the insured or any person driving with ‫ ﺍﻟﻤﺆﻣﻦ ﻟﻪ ﺃﻭ ﺍﻱ ﺷﺨﺺ ﻳﻘﻮﺩ‬: ‫ﺍﻟﺴﺎﺋﻖ ﺍﻟﻤﺮﺧﺺ ﻝ‬
his permission provided that the person driving holds a ‫ﺍﻟﺴﻴﺎﺭﺓ ﺑﺈﺫﻥ ﺃﻭ ﺃﻣﺮ ﺍﻟﻤﺆﻣﻦ ﻟﻪ ﺑﺸﺮﻁ ﺃﻥ ﻳﻜﻮﻥ ﺍﻟﺴﺎﺋﻖ‬
license for that vehicle in accordance with the traffic laws ‫ﻣﺮﺧﺼﺎ ً ﻟﻪ ﺑﻘﻴﺎﺩﺓ ﺍﻟﺴﻴﺎﺭﺓ ﻃﺒﻘﺎ ﻟﻘﺎﻧﻮﻥ ﺍﻟﺴﻴﺮ ﻭ ﺍﻟﻤﺮﻭﺭ ﻭ‬
and regulations and has not had his license withdrawn by ‫ﺍﻟﻘﻮﺍﻧﻴﻦ ﻭ ﺍﻟﻠﻮﺍﺋﺢ ﺍﻷﺧﺮﻯ ﻭ ﺃﻥ ﻻ ﻳﻜﻮﻥ ﺍﻟﺘﺮﺧﻴﺺ‬
order of a court of law or traffic regulations. ‫ﺍﻟﻤﻤﻨﻮﺡ ﻟﻪ ﻗﺪ ﺃﻟﻐﻲ ﺑﺄﻣﺮ ﻣﻦ ﺍﻟﻤﺤﻜﻤﺔ ﺃﻭ ﺑﻤﻘﺘﻀﻰ ﻗﻮﺍﻧﻴﻦ‬
.‫ﻭ ﻟﻮﺍﺋﺢ ﺍﻟﻤﺮﻭﺭ‬
Limitation of use: the insured must not use the vehicle ‫ ﻳﺠﺐ ﻋﻠﻰ ﺍﻟﻤﺆﻣﻦ ﻟﻪ ﺇﻻ ﻳﺴﺘﻌﻤﻞ ﺍﻟﺴﻴﺎﺭﺓ‬: ‫ﻗﻴﻮﺩ ﺍﻻﺳﺘﻌﻤﺎﻝ‬
except for the purpose for which it is licensed. .‫ﺇﻻ ﻟﻠﻐﺮﺽ ﺍﻟﻤﺮﺧﺺ ﻣﻦ ﺍﺟﻠﺔ‬
‫ﺍﻹﻣﺎﺭﺍﺕ ﺍﻟﻌﺮﺑﻴﺔ ﺍﻟﻤﺘﺤﺪﺓ‬ ‫ﺍﻟﺤﺪﻭﺩ ﺍﻟﺠﻐﺮﺍﻓﻴﺔ‬
Geographical Area
United Arab Emirates
Special Conditions: The Insured or his representative ‫ ﺩﺭﻫﻢ‬500 /- :‫ﺍﻟﺘﺤﻤﻞ‬ ‫ ﻳﺘﺤﻤﻞ ﺍﻟﻤﺆﻣﻦ ﻟﻪ ﺃﻭ ﻣﻦ ﻳﺤﻞ ﻣﺤﻠﻪ ﻣﺒﻠﻎ‬:‫ﺷﺮﻭﻁ ﺧﺎﺻﺔ‬
shall bear: ‫ ﺍﻻﺳﺘﻬﻼﻙ‬+ ‫ﻭﻗﺪﺭﻩ‬
out of the indemnity due in accordance with the terms & Excess:AED 500/- + Depreciation ‫ﻣﻦ ﻗﻴﻤﺔ ﺍﻟﺘﻌﻮﻳﺾ ﺍﻟﻤﺴﺘﺤﻖ ﺑﻤﻮﺟﺐ ﺍﺣﻜﺎﻡ ﺍﻟﻔﺼﻞ ﺍﻷﻭﻝ‬
conditions of section one of this policy. ‫ﻣﻦ ﻫﺬﻩ ﺍﻟﻮﺛﻴﻘﺔ‬

Approved by : ZUBAIDA Page 1 of 3 Print Date : 31/08/2022 - 17:45

Approved at : Motor Approved Date : 31/08/2022 17:45
Coverage Summary ‫ﻣﻠﺨﺺ ﺍﻟﻐﻄﺎﺀ ﺍﻟﺘﺄﻣﻴﻨﻲ‬
Third Party Property Damage ‫ﺧﺴﺎﺋﺮ ﻣﺎﺩﻳﺔ ﻟﻠﻄﺮﻑ ﺍﻟﺜﺎﻟﺚ‬
AED 2,000,000
Own Damage ‫ﺍﻟﻔﻘﺪ ﻭﺍﻟﺘﻠﻒ ﻓﻘﻂ‬
AED 55,000
Third party liability ‫ﻣﺴﺆﻭﻟﻴﺔ ﺍﺗﺠﺎﻩ ﺍﻟﻄﺮﻑ ﺍﻟﺜﺎﻟﺚ‬
ü
PA Driver(As per unified motor policy) ‫ﺗﺄﻣﻴﻦ ﺍﻟﺴﺎﺋﻖ‬
ü
PA Passenger ‫ﺗﺄﻣﻴﻦ ﺍﻟﺮﻛﺎﺏ‬
ü
Natural Perils ‫ﺍﻟﻜﻮﺍﺭﺙ ﺍﻟﻄﺒﻴﻌﻴﺔ‬
ü
Medical expense ‫ﻣﺼﺎﺭﻳﻒ ﺍﻟﻌﻼﺝ ﺍﻟﻄﺒﻲ‬
AED 5,000
Riot, Strike and Civil Commotion ‫ﺍﻻﺿﻄﺮﺍﺑﺎﺕ ﺍﻟﺸﻌﺒﻴﺔ ﻭﺍﻻﺿﺮﺍﺏ ﻭﺍﻟﻌﺼﻴﺎﻥ ﺍﻟﻤﺪﻧﻲ‬
ü
Ambulance Fees ‫ﺭﺳﻮﻡ ﺧﺪﻣﺔ ﺍﻻﺳﻌﺎﻑ‬
ü
Excess waiver for Windscreen damage ‫ﺍﺻﻼﺡ ﺍﻟﺰﺟﺎﺝ ﺑﺪﻭﻥ ﺗﺤﻤﻞ‬
AED 5,000
Personal Belongings ‫ﺍﻷﻏﺮﺍﺽ ﺍﻟﺸﺨﺼﻴﺔ‬
AED 2,500
Additional excess of 10% of the claim amount for Driver
less than 25 years or if UAE Driving License less than 1 ü
year at the time of accident
Cover is extended to include stickers & labels on the
vehicles subject to the value of the same being declared ü
EVG Fee ‫ﺭﺳﻮﻡ‬
ü
‫ﺧﺎﺭﺝ ﺍﻟﻮﻛﺎﻟﺔ‬ ‫ﺷﺮﻁ ﺍﻻﺻﻼﺡ‬
Repair Condition Outside Agency

Conditions specific to this Policy :

- Cross Liability - Only one excess is applicable in the event of two vehicles owned by the Policy holder are involved in the same accident.
- In the case of eventuality of cancellation, premium paid will be first allocated towards TP cover.
- Insurance on Driver and Passengers in buses is obligatory.
- For School Bus, the below condition will apply:
The cover is subject to the condition that the Buses will be used solely as school bus and for school related activity only. No cover in case the insured bus is
used other than its declared purpose.
- Exclusions
1. Imported / non GCC vehicles.
2. Vehicles used for racing, rallies and speed testing/trials.
2. War and terrorism Exclusion.
3. Tool of Trade Exclusion.
4. Vehicles used in transportation of high explosive.
5. Vehicles used in transportation of gases in liquid, compressed or gaseous form.
6. Vehicles use for transporting toxic waste disposal.
7. Vehicles used in transporting fireworks, fuses, cartridges, powder, nitro-glycerin or any explosives.
8. Vehicles used in Airport premises & Airside Liability.
9. Vehicles and buses plying for reward (Taxi & Public Transport)
Conditions specific to this Policy :
Others
General Conditions :
Young Driver Excess:
If the driver at the time of accident is below 25 years of age then an additional excess of 10% of the admissible claim shall by the driver or the insured.
Additional Excess –Sports car/Coupe:
Approved by : ZUBAIDA Page 2 of 3 Print Date : 31/08/2022 - 17:45
Approved at : Motor Approved Date : 31/08/2022 17:45
The Insured or his representative shall pay the first 15% of the amount of compensation in addition to the standard policy excess stated on the Policy Schedule.
Additional Excess - Factory Modified Vehicles:
The Insured or his representative shall pay the first 15% of the amount of compensation in addition to the standard policy excess stated on the Policy Schedule.
Additional Excess - Non Factory Modified Vehicles:
The Insured or his representative shall pay the first 20% of the amount of compensation in addition to the standard policy excess stated on the Policy Schedule.
Total Additional Excess:
In case of several multiple additional excesses are applicable the policy shall apply the highest Percentage of the deductible
for one accident in addition to the standard policy excess.

Conditions specific to this Policy :

Others

Authorized Signatory

Approved by : ZUBAIDA Page 3 of 3 Print Date : 31/08/2022 - 17:45

Approved at : Motor Approved Date : 31/08/2022 17:45