Picking the right car insurance can be overwhelming, particularly when comparing top players like GIG Gulf and Sukoon. Both companies offer comprehensive car insurance policies tailored to meet various needs, but how do they stack up against each other?
This article will break down their offerings, benefits, and unique features to help you decide which car insurance company is better: GIG Gulf or Sukoon.
GIG Gulf Vs Sukoon: Overview
Two names in the UAE often appear regarding top car insurance companies: GIG Gulf and Sukoon. Both insurers have built a strong reputation for providing reliable car insurance options. GIG Gulf, part of the well-known Gulf Insurance Group, offers extensive personal and commercial insurance products.
Meanwhile, Sukoon, formerly Oman Insurance Company, has been a staple in the insurance market, offering competitive pricing and comprehensive coverage.
But the question remains: Which should you choose, GIG Gulf or Sukoon?
A quick comparison table: GIG Gulf Vs Sukoon
| Feature | GIG Gulf | Sukoon |
| Years of experience | Over 70 years of expertise in the industry. Formerly known as AXA Insurance. | 49+ years of experience, formerly Oman Insurance. |
| Coverage type | Offers both Comprehensive and Third party liability coverage. | Offers both Comprehensive and Third party liability coverage. |
| Coverage tiers | Motor Prestige, Motor Perfect, Motor Third Party | Comprehensive Car Insurance, Privilege Motor, Third-Party Liability |
| Target audience | Caters to a general audience with luxury options available. | Caters to a general audience and focuses on high-net-worth individuals and luxury vehicle owners. |
| Customer support | 24/7 multilingual support, 4.4/5 rating on eKomi | Focus on customer satisfaction, 86% satisfaction rate |
| Unique benefits | Provides covers like GCC cover, agency or dealer repairs, no-claims discounts, and roadside assistance with free services like airport pick-up and drop off. | Provides covers like Orange card, agency or dealer repairs, premium repairs with AG cars, 12 free car washes for a year, free VIP lane access for RTA testing, priority repairs, exclusive vehicle care and maintenance discounts. |
| Claims process | Simple online claims submission, quick processing | Online and app-based claims, dedicated claims support |
GIG Gulf Vs Sukoon: A comprehensive comparison
Understanding the basics
Before we delve into the attributes, it’s essential to understand the basics of what GIG Gulf and Sukoon offer:
- GIG Gulf: Known for its flexible insurance plans, GIG Gulf caters to a broad audience, from those seeking basic coverage to those needing comprehensive protection. With over 70 years of experience, it’s a trusted name in the UAE’s car insurance market.
- Sukoon: Focusing on luxury and high-net-worth customers, Sukoon provides premium insurance plans designed to offer extensive coverage and benefits. Their partnership with AG Cars ensures top-notch repair services for luxury vehicles.
Coverage options: Tailored to your needs
GIG Gulf’s insurance plans
- Motor Prestige: Offers the most comprehensive coverage, including full vehicle protection, third-party liability up to AED 5 million, environmental and criminal protection, personal injury and medical support, and additional benefits like Oman and off-road coverage.
- Motor Perfect: Balances premium protection and affordability, vehicle damage protection, third-party liability up to AED 3.5 million, personal and medical protection, and repair flexibility.
- Motor Third Party: The most basic plan, providing essential third-party liability protection against bodily injury and property damage.
Sukoon’s insurance plans
- Comprehensive Car Insurance Plan: This plan protects your car against various risks, including accidents, theft, and natural disasters. It also includes benefits like personal accident cover and roadside assistance.
- High Net Worth Car Insurance Plan (Privilege Motor): Specifically tailored for luxury vehicles and high-net-worth individuals, offering premium coverage with high limits and exclusive benefits like premium repairs through AG Cars.
- Third-Party Liability (TPL) Car Insurance Plan: A basic, low-cost plan covering third parties’ personal injury and property damage liabilities.
To understand the difference, read: Comprehensive vs. third-party insurance.
Additional benefits: What sets them apart?
Unique features of GIG Gulf
- Free services: Includes airport pick-up and drop-off, car service pick-up and drop-off, and accident recovery.
- Multilingual 24/7 support: Accessible customer support in multiple languages, available around the clock.
- No claims discount: Offers discounts for drivers with a clean claims record, reducing premiums over time.
Unique features of Sukoon
- Exclusive benefits: Sukoon offers 12 free car washes annually, free VIP lane access for RTA testing, priority repairs, and exclusive discounts on vehicle care and maintenance.
- Luxury focus: Specialises in high-value vehicles, offering exclusive services like premium repairs through AG Cars.
- Roadside assistance: Comprehensive 24/7 roadside assistance across the GCC and UAE.
Claims process: Fast and efficient?
GIG Gulf’s claims process
- Simple online claims submission: GIG Gulf offers an easy online claims process through their website or mobile app, ensuring a hassle-free experience.
- Quick claims processing: This process emphasises fast turnaround times, ensuring customers are back on the road as soon as possible.
Sukoon’s claims process
- Online and app-based claims: Customers can file claims easily through Sukoon’s website or mobile app.
- Dedicated claims support: A specialised team assists with the claims process, ensuring quick and efficient service.
Customer support: Availability and accessibility
GIG Gulf’s customer support
- 24/7 multilingual support: Offers around-the-clock assistance in multiple languages, catering to a varied customer base in the UAE.
- High customer ratings: With over 22,000 reviews and a 4.4 out of 5-star rating on eKomi, GIG Gulf is known for its strong customer service.
Sukoon’s customer support
- Focus on customer satisfaction: Sukoon emphasises customer satisfaction, with a reported satisfaction rate of 86%.
- Quality repair services: Collaborates with AG Cars for high-quality repairs, providing customers an added layer of assurance.
Target audience: Should you choose GIG Gulf or Sukoon?
- GIG Gulf is ideal for many customers, from those looking for basic third-party coverage to those needing comprehensive plans with extensive benefits. It is suitable for drivers who value flexibility and various service options.
- Sukoon is best suited for luxury car owners and high-net-worth individuals requiring premium coverage and services. Offers specialised plans with high limits and exclusive benefits for those prioritising top-notch repairs and customer service.
Final takeaway: GIG Gulf or Sukoon?
Choosing between GIG Gulf or Sukoon depends largely on your needs and priorities. Both companies offer strong car insurance options with a range of benefits. GIG Gulf might suit you better if you seek flexible coverage options and extensive customer support. However, if you own a luxury vehicle and prefer high-quality repairs and flexible payment options, Sukoon could be the right choice.
Insurancemarket.ae works closely with both GIG Gulf and Sukoon to provide you with the best coverage options. It offers exclusive benefits and competitive rates, ensuring you get the best value for your car insurance.
Frequently Asked Questions (FAQs)
Does GIG Gulf offer coverage for luxury vehicles?
Yes, GIG Gulf offers coverage options suitable for luxury vehicles, especially under their Motor Prestige plan.
What are the additional benefits offered by Sukoon?
Sukoon offers comprehensive roadside assistance across the GCC and UAE and high-quality repairs through its partnership with AG Cars. It also provides 12 free car washes for a year, free VIP lane access for RTA testing, priority repairs, and exclusive vehicle care and maintenance discounts. For more information, please visit their website.
Which company is best for car insurance?
The ideal car insurance provider depends on your individual needs. GIG Gulf and Sukoon both offer comprehensive coverage, competitive pricing, and benefits such as VIP repairs and roadside assistance. Review their offerings to determine which one suits you best.
What company has the best car insurance rate?
Car insurance rates are influenced by a variety of factors, such as the customer’s profile and the level of risk involved. As a result, premiums can vary significantly depending on individual circumstances.
Which insurance type is best for a car?
Comprehensive insurance covers both your vehicle and third-party liability, making it ideal for new cars. Third-party liability, which covers damages to others but not your own vehicle, is more suitable for older cars. At InsuranceMarket.ae, we highly recommend comprehensive insurance for superior protection.
