6 Things You Should Know About Car Insurance in Abu Dhabi

By PolicyBazaar

Buy Car Insurance in 30 Seconds !

Average Rating / 5 (ratings )
58 Views
Published: 21 August 2020Last Updated On: 08 February 2021
akshay-img
There are quite a few things that you should know before you can actually drive down your four-wheeler on the roads of Abu Dhabi. One of these many things is the car insurance Abu Dhabi. Be it a new vehicle you have bought or a used car, all of the vehicle owners are required by law to hold a car insurance Abu Dhabi before the car can be registered.

This can be quite a baffling situation for many people out there. There are various reasons as to this confusion – the number of insurance providers out there in the market along with the various types of car insurance policies offered. It is extremely important for one to understand the different types of car insurance policies available and the types of insurance providers in the market to further make sure that the car insurance Abu Dhabi opted for is the best as per your needs and requirements.

6 Things to Know about Car Insurance Abu Dhabi

In this thread, there is a brief outline of everything that you must know about car insurance Abu Dhabi.

1. Finalize the Type of Car Insurance You Need

There are two different types of car insurance available in Abu Dhabi. Below is a brief detail about the two:

  1. Comprehensive Car Insurance

This kind of insurance coverage provides protection to both your four-wheeler and the other vehicle involved in case of any accident. Due to the wider coverage offered by this insurance policy, it generally comes out to be a little costly. This policy type does not only protect the car against any accidents, fire, malicious acts, and thefts but it also provides protection for personal accidents, in case the drive or the passengers in the car are injured in any accident and require medical attention.

  1. Third-Party Liability Car Insurance

This type of car insurance coverage only provides protection to the other car and passengers that are involved in an accident. Therefore, if you opt for a third-party car insurance Abu Dhabi the cost of the premiums will be lower but you will be required to bear the cost of your own car in the event of a collision. If you have purchased a car by financing it with a loan, most of the lenders in the UAE will not allow you to opt for third-party insurance and will require comprehensive coverage for the vehicle.

2. Collect All the Required Documents to Start the Procedure

There are certain documents that are required by the insurance provider in order for you to opt for a policy. These documents are proof of your identity and driving experience. Some of the general documents required are mentioned below, however, they can vary with the provider:

  1. Your driving license’s copy
  2. Your passport’s copy (photo page) and your visa’s copy
  3. Your vehicle registration’s copy (in case of a new car, a pro-forma invoice’s copy needs to be provided)

3. Understand the Calculation of Your Car Insurance Premium

The premiums on car insurance policies are calculated after considering a number of factors such as the year, model, and make of the vehicle, the engine size, claims history, and the driver’s risk profile. For instance, a driver having a less experience generally has to pay a higher premium on the car insurance Abu Dhabi as compared to a driver with more experience.

There are various other factors that also come into play, below is a table briefly stating some of those.

Factor

Influence on the Premium

New Car + High Safety Features

Low

Price of Car is On the High-End

High

Driver Aged Under 30 years

High

Driving has Less Experience

High

GCC Cover

High

Off-road Cover

High

Breakdown Cover

High

4. Claim Any Applicable Insurance Bonus

If you have an existing car insurance provider, and you are switching your car insurance company for your four-wheeler, you should get in touch with your old provider to obtain a ‘no claims bonus’ certificate if you have not filed any claims during the previous policy tenure. By showing this no claims certificate to your new car insurance provider, you are eligible to receive a discount on the annual premium of your car insurance Abu Dhabi.  

5. Find Out About Off-Road Travel Insurance Inclusion

Generally, the car insurance policies provided in Abu Dhabi covers for only the accidents or collisions that take place on the road. However, with the close distance of Al Ain, off-road travel like wadi and dune bashing is quite common. If you reckon to be taking part in any such activities, make sure your car insurance Abu Dhabi provides coverage for off-road travel also.

6. Find Out About Emergency Services

In the event of you facing any emergency while on the road such as flat tire or running out of fuel, you can contact the emergency number that is provided on your insurance policy to obtain quick roadside assistance. However, there are some insurance providers that do not offer emergency services all round the clock, so make sure you check about the 24 hour emergency services before you opt for any car insurance Abu Dhabi.

The Bottom Line

Since there are numerous types of insurance policies offered by various insurance providers, it is always ideal to compare and review the different options available to suit your needs and requirements before going ahead and actually opting for car insurance Abu Dhabi.