• Arasat Al-Hindia, Dist 929, St. 23, Bldg. 27
 Baghdad, Iraq. P.O. Box 10491 Karrada
  • 6867
  • info@hic.iq

Tareeq

Tareeq Program

offers comprehensive coverage for vehicles against accidents, collisions, overturns, fires, theft, total loss, third-party liability, and personal accidents for both the driver and passengers, as detailed below (all prices in Iraqi Dinars):
- Vehicle Damage: Resulting from a covered accident due to fire, collision, or overturn.
- Total Loss: If the cost of repairs exceeds 70% of the market value of the vehicle.
- Theft: The unlawful taking of the vehicle.

Properties

Personal Accident Coverage

for the driver and passengers due to an accident.

Silver Plan

Death, permanent total, or partial disability due to an accident (per person): IQD
3,000,000.

Medical expenses resulting from an accident (per person): IQD 1,000,000.

Annual limit for personal accidents for the driver and passengers: IQD
10,000,000.

Gold Plan

Death, permanent total, or partial disability due to an accident (per person): IQD
5,000,000.

Medical expenses resulting from an accident (per person): IQD 1,500,000.

Annual limit for personal accidents for the driver and passengers: IQD
20,000,000.

Platinum Plan

Death, permanent total, or partial disability due to an accident (per person): IQD
10,000,000.

Medical expenses resulting from an accident (per person): IQD 2,500,000.

Annual limit for personal accidents for the driver and passengers: IQD
30,000,000.

Deductible

Death, permanent total, or partial disability due to an accident (per person): IQD
3,000,000.

Medical expenses resulting from an accident (per person): IQD 1,000,000.

Annual limit for personal accidents for the driver and passengers: IQD
10,000,000.

Properties

Third-Party Liability

Silver Plan

  • Total annual limit:

    IQD 25,000,000

  • Maximum material damage per incident:

    IQD 10,000,000

  • Annual material damage limit:

    IQD 15,000,000.

  • Maximum bodily injury per incident (death or disability):

    IQD 10,000,000.

  • Maximum bodily injury per incident (medical expenses):

    IQD 1,500,000.

  • Annual bodily injury limit:

    IQD 10,000,000.

  • Compensation for car rental per day, up to 7 days, after 5 days from repair commencement:

    commencement: IQD 25,000.

  • Airbags coverage (maximum per unit):

    IQD 250,000.

  • Repairs: The insured may choose the workshop and begin repairs after evaluation and approval by Hamara Insurance.

  • Covered vehicles: Vehicles up to 10 years old from the current year.

  • Deductible per incident:

    IQD 200,000

  • Annual premium:

    2.75% for private cars and SUVs, with a minimum of IQD 250,000.

Gold Plan

  • Total annual limit:

    IQD 50,000,000.

  • Maximum material damage per incident:

    IQD 20,000,000.

  • Annual material damage limit:

    IQD 30,000,000.

  • Maximum bodily injury per incident (death or disability):

    IQD 15,000,000.

  • Maximum bodily injury per incident (medical expenses):

    IQD 2,500,000

  • Annual bodily injury limit:

    IQD 20,000,000.

  • Compensation for car rental per day, up to 7 days, after 5 days from repair commencement:

    IQD 50,000.

  • Airbags coverage (maximum per unit):

    IQD 500,000.

  • Repairs: The insured may choose the workshop and begin repairs after evaluation and approval by Hamara Insurance.

  • Covered vehicles: Vehicles up to 10 years old from the current year.

  • Deductible per incident:

    IQD 150,000.

  • Annual premium:

    3.25% for private cars and SUVs, with a minimum of IQD 300,000.

Platinum Plan

  • Total annual limit:

    IQD 100,000,000.

  • Maximum material damage per incident:

    IQD 40,000,000.

  • Annual material damage limit:

    IQD 60,000,000.

  • Maximum bodily injury per incident (death or disability):

    IQD 20,000,000.

  • Maximum bodily injury per incident (medical expenses):

    IQD 5,000,000.

  • Annual bodily injury limit:

    IQD 40,000,000.

  • Compensation for car rental per day, up to 7 days, after 5 days from repair commencement:

    IQD 100,000.

  • Airbags coverage (maximum per unit):

    IQD 750,000.

  • Repairs: The insured may choose the garage and begin repairs after evaluation and approval by Hamara Insurance. Agency repair or any garage with no depreciation on spare parts.

  • Covered vehicles: Vehicles up to 2 years old from the current year.

  • Deductible per incident: No excess for material damage to the vehicle.

  • Annual premium:

    4.5% for private cars and SUVs, with a minimum of IQD 400,000

Terms and Conditions Apply