Liva Insurance

Liva Insurance, a direct insurer in the United Arab Emirates

Liva Insurance presents itself as a direct insurer, not as a broker or comparison site, with a single team responsible for both the policy and the handling of the claim. The company describes itself as one of the largest insurers in the Gulf Cooperation Council (GCC) and as an insurance partner in the United Arab Emirates.

Its offering is structured around four main lines — car, home, travel and health — with quoting, renewal and claims processes that the company manages through its own online platform.

Insurance products

The insurer's catalogue includes the following covers:

• Car insurance: presented as cover that keeps the policyholder on the move, with the option to get a quote and renew online.
• Home insurance: protection for the contents of the home, from mobile devices to furniture.
• Travel insurance: cover for trips, with online quoting and claims handling.
• Health insurance: with three distinct options — individual health insurance, group medical insurance and medical insurance for SMEs.

Claims handling and assistance

The company states that motor claims are processed with the aim of resolving them within one working day. It also offers a roadside assistance service available 24 hours a day, every day, and allows claims to be submitted online through its website.

Among the features of its motor cover, the company notes that Oman is included as standard.

Contact and online procedures

Liva Insurance has separate phone lines for sales, claims and roadside assistance, as well as specific email addresses for complaints, information in Dubai and Abu Dhabi, and home claims. The website allows users to get a quote, retrieve a previous quote, renew a policy, check the status of a claim and submit a claim.