Provides compensation if your vehicle breaks down off-road. However, it only applies if: i) The car comes with 4-wheel-drive specifications, i.e. it must be an off-road vehicle. What’s more, the excess paid on repairs will have to be double the amount that would be paid for on-road accident repairs. ii) The car was not damaged in the event of a race or competitive sporting event. For example, the insurer will not pay out if you have damaged your car while taking part in the Gulf News Desert Run or Abu Dhabi Desert Challenge.