Insurance Plans

*Approved routes exclude Bar Al Hickman, the steep hill from Bilad Sayt–Shorfet Al Alamin hill, the flowing wadis, and the Salma Plateau.

UAE Cross-Border Insurance Add-On

Fee: OMR 30 per rental (flat rate)

Includes:

Official UAE Third- Party Liability (TPL) coverage
- Extension of selected Oman coverage (CDW, SCDW, or FDW)
- All required border documentation: Exit Permission Letter, UAE Insurance Certificate, Mulkiya Copy

Requirements:

Must be requested at least 48 hours before departure
- Valid passport, visa, and driving license
- Not available for restricted nationalities
- Travel allowed only to Dubai, Abu Dhabi, Fujairah, Ras Al Khaimah, Ajman, Umm Al Quwain, Sharjah

Notes:

Coverage valid only in Oman & UAE
- Incidents must be reported immediately to Nomad Tours and UAE authorities
- Unauthorized crossborder use voids all coverage

Full Insurance Policy Terms

Every Nomad Tours rental includes off-road insurance — the only car hire company in Oman that fully insures your adventure. Choose your level of protection, from Basic to Adventurer, and explore Oman and beyond with total confidence.

1. Coverage Summary

All Nomad Tours vehicles include insurance coverage compliant with Omani law. Every booking includes Third-Party Liability (TPL), Collision Damage Waiver (CDW), and Theft Protection. Optional upgrades extend coverage and reduce liability as outlined in the package table above.

2. Collision Damage Waiver (CDW)

CDW (Collision Damage Waiver) limits your financial responsibility in case of damage to the rental vehicle due to a collision or accident. When CDW is included, the renter’s liability is capped at the excess amount specified in the selected protection package.

Covers:- Collision-related damage to the vehicle body and structure - Damage caused by another vehicle or stationary object - Damage caused by vandalism or attempted theft (with police report) - Damage occurring while driving on approved off-road routes - Repairs up to the vehicle’s market value, subject to the chosen
excess limit.

Does Not Cover:- Tyres, glass, or undercarriage damage (unless included in FDW) - Negligent or reckless driving - Driving under the influence of alcohol or drugs - Prohibited areas such as deep sand dunes, water crossings, or unapproved off-road tracks - Loss of vehicle keys or misfuelling.

Example: If you select the Basic Protection plan and cause damage of OMR 1,000, you pay only the OMR 300 excess. The insurance covers the remaining OMR 700 once a valid police report is provided.

3. Super Collision Damage Waiver (SCDW)

SCDW (Super Collision Damage Waiver) offers all the benefits of CDW but reduces the renter’s financial liability by lowering the excess amount. It’s designed for customers seeking peace of mind without paying a premium for full coverage.

Covers:- All items covered under CDW - Theft protection and third-party liability - Off-road coverage on approved routes.

Key Difference from CDW:- Reduced excess: from OMR 300 → OMR 150 - No coverage for tyres, windscreen, or undercarriage - Same exclusions apply as CDW.

Example:- If the vehicle sustains OMR 1,200 in damages, you are liable only for OMR 150 under SCDW instead of OMR 300 under CDW.

4. Full Damage Waiver (FDW)

FDW (Full Damage Waiver) provides the highest level of protection and is included in the Adventurer Package. It eliminates all excess charges, offering complete peace of mind for on-road and approved offroad travel.

Covers:- Everything included in CDW and SCDW - Full tyre, windscreen, and undercarriage protection - Damage caused while driving on approved off-road routes (including gravel, rocky paths, and light sand) - Vehicle recovery from off-road areas up to 50 km from the nearest paved road.

Does Not Cover:- Reckless off-road driving or deliberate misuse - Deep-sand dune bashing or water immersion - Driving under the influence of alcohol or drugs - Negligence or violation of rental agreement terms.

Key Difference from SCDW:- Zero excess – renter pays nothing in case of an incident (with valid police report) - Additional off-road and component protection – covers areas SCDW and CDW exclude - Includes recovery and towing service for off-road incidents (within 50 km).

Example:- A Jeep Wrangler sustains OMR 2,000 in off-road suspension and underbody damage. Under FDW, the renter pays OMR 0. Nomad Tours covers the full repair cost once a police report and vehicle inspection are completed.

5. Theft Protection (TP)

Theft Protection limits your liability if the rental vehicle is stolen or damaged in an attempted theft. With TP, you pay only up to your excess amount. Personal belongings inside the vehicle are not covered.

6. Third-Party Liability (TPL)

Third-Party Liability insurance is mandatory and included in all rentals. It covers damage to third-party property or injury to third parties caused by the rental vehicle. TPL does not cover the rental vehicle itself or the renter’s medical expenses.

7. Off-Road Coverage

All 4x4 rentals include off-road coverage for approved routes. Approved routes include recognized mountain, wadi, and coastal tracks listed in your handover guide. Deep-sand dune bashing, water crossings, and reckless off-road driving are not covered. Recovery beyond 50 km from paved roads may incur additional towing fees.

8. Exclusions

No package covers damage resulting from:-
- Driving under the influence of alcohol or drugs
- Negligence or reckless driving
- Unauthorized drivers not listed on the rental agreement
- Use of the vehicle in racing, dune bashing, or towing
- Loss or damage to personal belongings
- Damage resulting from misuse of clutch or gearbox
- Water damage to the vehicle engine or electrical system

9. Vehicle Recovery & Roadside Assistance

24/7 roadside assistance is provided across Oman. In the event of breakdown or accident, contact Nomad Tours immediately. For Adventurer Package customers, off-road recovery is included within 50 km of paved roads.

10. Reporting an Incident

All accidents, thefts, or damages must be reported to Nomad Tours and local police immediately. Failure to obtain a police report may void insurance coverage.

11. Optional Add-On

UAE Cross-Border Insurance: Allows legal and insured travel into the UAE (see details above).