Ensure you insure - clarification

Seabee will love this: a clarification to my previous blog post.

I now have the paperwork for my new motor insurance policy from AXA. It transpires that what I was told over the phone was, shall we say, less than 100% accurate.

Previously:
Section 1, own damage, is covered in Oman but Section 2, Third Party liability, is not covered. You can buy Third Party cover at the border, or else GCC cover at a cost of around Dh500 for the year which will cover it.

Now:
All parts of the policy are fully in force throughout the territorial limits of UAE and Oman.

Previously:
GCC cover extends insurance cover to the same as at home in the UAE throughout Oman, Bahrain, Saudi Arabia, Kuwait and Qatar.

Now, and this is quoted from page 17 of the policy handbook:
"GCC Cover. The territorial limit for section 1 is extended to include Oman, Bahrain, Saudi Arabia, Kuwait and Qatar. You will not be covered under section 2, third party liability, as this cover must be purchased separately at the border (except Oman)."

My conclusion is that before driving abroad, you should take a very careful look at your policy documents and fully understand exactly is and what is not covered. Beware, for what you get told over the phone does not necessarily match with what is written.

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