The Guardian Insurance Broker

We are Guardian Insurance Broker, Inc, (GIB), a leading global insurance organization providing a wide range of property casualty insurance and other financial services.

Guardian Insurance Broker Inc. (GIB) is a leading global insurance organization. GIB member companies provide a wide range of property casualty insurance, life insurance, retirement solutions, and other financial services to customers. These diverse offerings include products and services that help businesses and individuals protect their assets, manage risks and provide for retirement security. GIB common stock is listed on the Erbil Stock Exchange.

GIB is the marketing name for the worldwide property-casualty, life, and retirement and general insurance operations of Guardian Insurance Broker Inc. All products and services are written or provided by subsidiaries or affiliates of Guardian Insurance Broker, Inc. Products or services may not be available in all countries and jurisdictions, and coverage is subject to underwriting requirements and actual policy language. Non-insurance products and services may be provided by independent third parties. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds, and insureds are therefore not protected by such funds.

Motor or Car Insurance

What is Motor insurance?

Motor insurance, also known as car insurance or auto insurance, is a type of insurance coverage specifically designed to protect individuals against financial losses resulting from accidents, theft, or other damages to their vehicles. It is a legal requirement in many countries to have motor insurance before driving a vehicle on public roads.

Coverage: Motor insurance policies typically provide coverage for different types of risks, including:

  • Third-Party Liability: Covers damages to third parties involved in an accident caused by the insured vehicle.
  • Own Damage: Covers damages to the insured vehicle due to accidents, theft, fire, vandalism, etc.
  • Personal Injury Protection (PIP) or Medical Payments: Covers medical expenses for the driver and passengers in the insured vehicle in case of an accident.
  • Uninsured/Underinsured Motorist Coverage: Protects the insured if they are involved in an accident with an uninsured or underinsured driver.
  1. Premiums: To obtain motor insurance coverage, policyholders pay regular premiums to the insurance company. Premiums are usually determined based on various factors, including the driver’s age, driving history, type of vehicle, location, and the level of coverage chosen.

  2. Deductibles: Similar to other insurance types, motor insurance often includes a deductible. The deductible is the amount that the policyholder must pay out of pocket before the insurance coverage kicks in. Higher deductibles may result in lower premiums, but it means the policyholder will have to bear more of the initial costs in case of a claim.

  3. No-Claims Bonus: Many motor insurance policies offer a no-claims bonus as a reward for policyholders who do not make any claims during a specific period. This bonus typically results in a discount on the premium when the policy is renewed.


frequently asked questions

Car insurance is essential because it protects you from potential financial burdens that may arise from accidents or other damages to your vehicle. It is also a legal requirement in many countries to have at least a minimum level of car insurance coverage before driving on public roads.

Common types of car insurance coverage include: Liability Coverage: Covers damages and injuries to others if you're at fault in an accident. Collision Coverage: Pays for damages to your vehicle in case of a collision with another vehicle or object. Comprehensive Coverage: Covers damages to your car caused by non-collision incidents, such as theft, vandalism, natural disasters, etc. Uninsured/Underinsured Motorist Coverage: Protects you if you're involved in an accident with an uninsured or underinsured driver.

Yes, many insurance companies offer optional add-ons or riders that allow you to customize your car insurance policy. These add-ons can provide extra coverage for roadside assistance, rental car expenses, coverage for personal belongings, and more.

A no-claims bonus is a discount given to policyholders who do not make any claims during a specific period. It rewards safe driving and can lead to reduced premiums when renewing the policy.

Yes, car insurance policies can usually be transferred to a new vehicle. You may need to inform your insurance provider about the change in the vehicle details, and the premium may be adjusted accordingly.

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