INSURANCE

 

full guide to car insurance in the UAE 
*Why Do I Need Car Insurance?*

- Car insurance is a legal requirement in the UAE

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 Car insurance protects you from financial strain in case of accidents, theft or other unforeseen events

*Types of Car Insurance*

- *Third-Party Liability Insurance*: This is the minimum insurance required by law and covers third-party claims in case of an accident

- *Comprehensive Insurance*: This type of insurance covers third-party claims and also covers damage to your own vehicle

*What Does Comprehensive Insurance Cover?*

- *Return to Invoice*: In case of damage beyond repair, this feature ensures you receive a reimbursement for the full value of your vehicle

- *Tyre Protect Cover*: This add-on shields your tyres from damages and non-accidental events

- *Consumable Cover*: This add-on protects small but significant components of your car

- *Zero Depreciation Cover*: This add-on ensures you receive the full claim amount without any depreciation deductions

- *Breakdown Assistance Cover*: This add-on promises assistance in case of breakdowns, running out of fuel or a flat tyre

- *Conveyance Benefit*: This add-on provides a daily allowance while your car is being repaired

- *Key Replacement Cover*: This add-on promises a hassle-free replacement if you misplace your car keys

- *Passenger Cover*: This add-on extends safety to your loved ones travelling with you

*What Does Comprehensive Insurance Not Cover?*

- *Mechanical or Electrical Breakdowns*: Regular wear and tear or mechanical glitches are not covered

- *Illegal Activities*: Any damage incurred while engaging in illegal activities is not covered

- *Driving Under Influence*: Taking control of the wheel under the influence of drugs or alcohol is not covered

- *Unlicensed Driving*: Driving without a valid license is not covered

- *War or Nuclear Risks*: In the rare occurrence of damages due to war, nuclear risks, or mutiny, the policy does not offer coverage

- *Wilful Damage*: Deliberately caused damages are not covered

- *Oil Leakage and Consumable Items*: Damage due to oil leakage and the cost of consumable items are not covered

*How Much Does Comprehensive Car Insurance Cost in Dubai?*

- *Vehicle specifics*: The type of car you drive affects the cost of insurance

- *Driver’s profile*: Insurance companies often look at your driving history

- *Add-ons selected*: The more add-ons you select, the higher your premium will be

- *Policy terms*: The terms of the policy itself can affect the cost

*How to Choose the Right Plan*

- *Understand the Fine Print*: Read the terms and conditions and ask questions if something is unclear

- *Assess Your Coverage Needs*: Analyze your needs and the level of protection you desire for your vehicle

*Frequently Asked Questions*

- *What is excess in comprehensive car insurance?*: Excess refers to the amount of money you agree to pay when you make a claim on your policy

- *How do I make a car insurance claim?*: If you are in an accident, ensure everyone is safe first and then call the police and your insurance provider to explain the claims process