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A Guide to Buy Car Insurance in the UAE Easily

A Guide to Buy Car Insurance in the UAE Easily
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While purchasing the car of your dreams, choosing the best car insurance for it out of the various options available in the UAE can be very confusing. Despite the confusion, you need to buy car insurance in the UAE because though it does not entirely protect your car from any unfortunate event that might happen in the future, but it definitely helps in reducing the impact it has on your pockets. Apart from the damages caused to the car, auto insurance also covers hospital bills in case of an accident.

Factors to be Considered While Buying a Car Insurance in the UAE

There are some certain things that should be kept in mind before selecting and buying car insurance of your choice in the UAE. These are as follows:

Type of Car Insurance Policies

There are 2 types of car insurance policy, third-party car insurance, and comprehensive car insurance

  • Comprehensive: This type of car insurance policy covers your car against damages occurred due to theft or fire. It also pays out to the third-party in case of an accident. This type of policy also covers damage such as a crash or bump on your car.
  • Third-party: This type of car insurance policy gives coverage for the damages occurred to the other party through your car. It does not cover any damages caused to your car and is generally cheaper as compared to any comprehensive policy.

Policy Details

Before selecting a car insurance deal, it is ideal to check the details of the insurance plan. You should be aware of what the insurance plan covers. You should carefully check exclusions as well as the inclusions of the plan as all policies do not offer comprehensive benefits. You should also have a knowledge about the maximum insurance coverage the insurance plan offers. Go through the various options and select the best car insurance deals in the UAE.

Third-Party Motor Insurance

According to the UAE law, third-party insurance is a mandatory and the most basic form of auto insurance. As discussed above, the third-party insurance covers the damages caused to another party by your car, however, it does not cover the damages occurred to your car. It also covers the policyholder’s legal liability during an accident. 

Select the Policy that Satisfies Your Needs

While selecting a suitable insurance policy for your car, everything about the plan should be in your knowledge. If it satisfies your needs, you can go on with the plan.

Generally, people fail to check the complete details on the policy and this might lead to disappointment from your policy while claiming the insurance benefits in the future. It is suggested that you thoroughly go through the terms and conditions of the policy. It will assist you in understanding all the benefits offered by the plan and what all are excluded from the plan.

You can compare car insurance online and then select the one that suits your requirements as well as your budget.

Consider the Additional Benefits

Any standard car insurance policy offers basic insurance covers like loss occurred due to fire or theft. It remains valid within a pre-determined geographical range and might be unable to fulfill all the expectations of the buyer. In case you wish to enjoy an enhanced insurance coverage, you can go for such additional benefits or add-ons that provide the same.

Be Aware of the Policy Charges Involved

A lot of auto insurance buyers do not have a thorough knowledge of the excessive charges that are included in your policy. They end up paying the premium on the policy without having an idea about the exact coverage offered to them. In case your insurance provider is offering the car insurance at a low price, then you should carefully check the plan as nothing that comes at a low cost be entirely beneficial for you. Instead of going for expensive car insurance that increases your monthly expenses, you should shortlist the best car insurance deals in the UAE and select the one that goes hand in hand with your needs without creating a hole in your pocket.

Comparison is Important

Instead of selecting the first car insurance plan you come across, compare the various insurance providers available and the different insurance plans offered by them. You can compare the car insurance online, including all the features of the policy, its charges, the total coverage it provides, inclusions & exclusions, sum assured and much more. Only after the comparison is done, select the one that provides the best insurance coverage at an affordable insurance premium and is suitable for your requirements.

In a Nutshell

You should be very careful while buying car insurance in the UAE. Ensure that you go for an insurer that maintains good financial health. In case you select basic car insurance that offers minimal protection, then in cases such as a road accident, you should be prepared to bear the expenses incurred. So it is advised to shortlist the best car insurance deals in the UAE, check what each of them covers and what all additional benefits you will need to opt for as per your requirement. When you can spend a lot of time in deciding which car to purchase, then why can’t you spend that amount of time while deciding which car insurance to purchase in order to protect your car.

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