In the UAE, protection for every vehicle is more important than owning a reliable vehicle. For every vehicle, it is mandatory to have complete insurance coverage to protect your money from unexpected incidents. It protects you and your family financially in emergencies. Driving without vehicle insurance is a punishable offense in the UAE. Mainly, there are 2 types of car insurance available, third-party car insurance and comprehensive car insurance. In this blog, we cover the benefits and things you should know before you take out vehicle insurance coverage.
Comprehensive car insurance includes man-made disasters like theft, vandalism, fire, and terrorism.
Third Party car insurance covers third-party liability, which means, if your vehicle is damaged by another driver or property, the other party will settle for the amount.
Benefits of Vehicle Insurance in UAE
There are many benefits to taking out vehicle insurance in the UAE. Now, let’s see the benefits in detail.
Accidents: It protects you from a wide range of accidents by keeping you financially secure. It protects from minor collisions to major collisions. It typically covers accidental injury and death, including medical expenses, disability, and accidental death after the crash.
Replacement car: Sometimes, the collision damages the vehicle totally. In these situations, the insurance providers in the UAE offer vehicle replacement advantages ad-on while the damaged vehicle is being serviced.
Natural disasters: This safeguards your vehicles from natural disasters in the UAE like storms, floods, and earthquakes. It gives you peace of mind with unpredictable weather conditions in the UAE.
Theft and vandalism: This comes with comprehensive insurance. If your car is stolen and damaged by someone, this insurance covers the cost associated with it.
Windshield and glass coverage: Comprehensive coverage includes windshield and glass coverage insurance against unexpected charges when your vehicle faces repair and replacement.
Fire damage: Fire damage coverage gives support to your investments when your vehicle is damaged due to fire.
Personal accidents: Personal accident coverage offers financial support when an accident happens for medical expenses.
Emergency Assistance: When breakdowns or roadside emergencies happen, this comprehensive coverage is available as an add-on.
These are the common benefits that you will get when taking out vehicle insurance in the UAE. However, there are many providers providing car insurance in Dubai. How do you find a reliable vehicle insurance provider? There are many things to know before choosing a trustworthy one.
Things To Do Before Choosing Vehicle Insurance Provider
Research: Initially, you need to conduct complete research on the best and most reputable vehicle insurance provider. For this search, find the best vehicle insurance near me. You will get a list of vehicle insurance provider names on a screen. For this, you need to read reviews and ask your family and friends.
Coverage Needs: Before choosing vehicle insurance, you need to determine the types of coverage, whether it is comprehensive, third-party liability, or third-party fire and theft.
Compare policies: You need to compare the policies of different insurance companies. It helps to find the best one that meets your requirements.
Policy duration: Check the duration of the policy. Choose the one you want, whether it is an annual or shorter-term policy.
Policy renewal process: You need to know the renewal process time of your policy.
Claim Process: When you choose vehicle insurance from an insurance provider, you should know the claim process.
Customer Services: A good insurance provider needs to provide quality customer support, even in emergency situations.
There are many car insurance providers in UAE. You need to choose the best among them. By giving priority to these factors when selecting vehicle insurance in UAE, you can easily find the best vehicle insurance provider. If you are planning to purchase vehicle insurance, contact us.
FAQ
It can vary depending on several factors. Generally, car insurance costs in Dubai, UAE are around 1.25% to 3% of the car value.
Normally, car insurance policies in UAE have a tenure of 13 months.
The traffic police put a fine of AED 500 and will add 4 black points to the driving license.
