Whether you’re an experienced driver or just starting out, understanding full vehicle insurance can help you drive with confidence — knowing you're protected no matter what happens on the road.

Comprehensive insurance allows you to manage expensive, unexpected losses. It’s especially useful if you have a new or financed car, park on the street, or commute every day — situations where the risk and cost of damage are high. Typically, lenders require comprehensive insurance if your car is financed. 

Choosing a reasonable deductible allows you to control your insurance premium, while most comprehensive plans include cashless repairs at approved garages to reduce both time and money spent after an accident.

TPL (Third-Party-Liability) is the minimum legal cover in Qatar. It covers injuries to other people and damage to their vehicles or property when you’re at fault. However, it does not cover repairs to your own car, nor does it protect against theft, fire, or vandalism. If you want your own vehicle protected as well, you’ll need comprehensive cover (or specific add-ons, where offered). TPL may suit older, low-value cars you could afford to repair or replace yourself, or if you rarely drive.

Here’s how the two types of insurance compare:

When deciding on the right full-coverage car insurance plan and considering additional features, it's essential to weigh several factors. These considerations will help you tailor your insurance to your specific needs:

1. Your vehicle's age and condition

Begin by assessing your car's age and condition. Is it a new or older vehicle? The state of your car can influence your insurance choices.

2. Your driving experience and habits

Reflect on your driving experience and habits. Consider how often you drive and whether you frequently navigate busy, densely populated areas.

3. Emergency preparedness

It's crucial to have a plan in place for unexpected events. Consider how you'll handle emergencies such as a sudden breakdown in the middle of nowhere.

4. Replacement vehicle needs

If your car is undergoing repairs, consider how you'll manage your transportation needs during that period. Some insurance plans provide replacement vehicles.

5. Off-road or unpaved roads

If your driving often takes you off-road or onto unpaved roads, consider whether your insurance covers accidents that may occur in those conditions.

6. Total loss protection

If you've financed your car with a loan, and you still owe money to the bank, assess whether your insurance provides adequate protection in case of a "total loss" incident.

7. Additional policy features: 

Explore available policy add-ons to enhance your full car insurance. These can include:

• Agency Repairs — coverage for repairs, typically conducted at insurer-affiliated shops, often at no extra cost
• Replacement car — access to a temporary replacement vehicle while your car is undergoing repairs
• Off-road cover — protection against accidents on rough terrain, access roads, and unpaved paths
• Personal accident benefit provides additional coverage to the driver and passengers in the event of accidental death or disability
• Roadside assistance — assistance for roadside incidents, including towing, jump-starts, tire changes, and fuel delivery
• Gap insurance — ensuring you get paid the financial difference between the original purchase price and the total claim payment in the event of total loss of your car

8. Claims assistance 

Evaluate whether the insurer offers support with paperwork and the claims process to make the process more convenient for you.

9. Personal driver

Consider whether you need a service that includes tasks such as driving your car to the repair shop and managing paperwork with traffic authorities.

In the event of a traffic accident involving your car, here's how full insurance coverage for car comes into play:

After any incident, make sure everyone is safe and call the police (and an ambulance if needed). Notify your insurer straight away. Take clear photos and note the time, location, and other drivers' details — these make your claim easier to assess.

Your insurer will then decide whether the car can be repaired or should be declared a total loss. For repairs, you pay the policy excess, and work usually goes ahead, cash-free, at network garages. In the event of a total loss, the payout is based on the insured value and policy terms — GAP cover (if included) will cover the difference between your purchase price and the remaining loan balance. Many standard policies also exclude damage on an unpaved road and similar circumstances, so always read the schedule and wording of your policy.

Purchasing comprehensive car insurance from QIC is quick and easy. Simply follow these steps:

1. Go to qic.online and choose Car Insurance: TPL or Comprehensive.
2. Enter your Qatari mobile number and Check your price.
3. Use the excess slider to adjust the premium and add options like roadside assistance, replacement car, or agency repairs if you need them.
4. Enter your plate number, QID, date of birth, mobile number, and email for the vehicle’s details to be pulled correctly and for the policy to be issued. 
5. Pick your start date, review the summary, and make your payment. 

Coverage starts immediately from your chosen date, and you'll receive your e-policy and receipt by email.

When you need to make a claim, follow these straightforward steps on our website:

1. Access the claims section on qic.online website
2. Enter your policy details
3. Provide information about your claim
4. Upload any required documents
5. Your claim is submitted and will be processed once we verify all the details