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Applying for Car Insurance? Why not do it Online!

Applying for Car Insurance? Why not do it Online!
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Planning to purchase a car insurance online, but have no idea where to begin from? Before you get lost in the facts & figures, let us take a tour of the process of obtaining an auto insurance cover online. There are a few necessary things to be kept in mind so that you enjoy a rewarding experience with your car insurance.

It can be challenging to go through the long and exhaustive details on auto insurance products that are available online. Instead of losing yourself to these confusions, read on in order to thoroughly understand the features, benefits, conditions, and process related to buying motor insurance online. It helps you in making an informed decision.

Why Purchasing Online Car Insurance is a Smarter Option?

The online portals for making insurance transactions have been a game-changer because of the convenience the users have experienced. It does not just help in saving your time & energy, but you can also enjoy a host of unbiased details and information at your disposal.

In fact, you may expect total transparency in the features of the insurance plan. You can access a detailed description of the policy, what is included and what is not, and everything else you wish to know just by clicking a button.

Looking for plans, comparing the features, and going through the feedback of the customer may help you in gauging the performance of various insurance providers.

Purchasing motor insurance online may offer considerable flexibility along with a lot of options for customizing the policy. It also helps in reducing the amount of paperwork as only a single online form is to be filled and the required documents are to be uploaded making the process hassle-free.

However, the best benefit is the cost-effective nature of purchasing online car insurance. By removing the middlemen, various overheads, and infrastructure, the insurer may pass on the savings to those who are purchasing online in the form of discount.

Online Insurance Buying Process

Here is a step by step guide for getting an auto insurance policy online.

Understanding the Coverage Level, You Require

Start with identifying the coverage level that you need. The insurance companies in the UAE offer two kinds of auto insurance coverage- comprehensive coverage and third-party liability coverage.

The third-party coverage provides the minimum coverage level and pays out only to the third party if an accident takes place.

On the other hand, comprehensive insurance coverage pays out for the damage caused to your vehicle as well as the damage caused to the third party.

Moreover, you can obtain various add-on features at an additional premium for meeting the individual requirements. This may include coverage for personal accident, agency repair, coverage for natural calamity, Oman extension, and more.

Begin Comparing

The next step of this process is filling out an online form with the entire information of your vehicle and yourself. The quotes generated online assist you in comparing the prices and benefits offered by various insurance companies.

An essential point to keep in mind here is assigning the appropriate value to your vehicle. In simple words, the value declared of the vehicle is the sum insured in the policy of the car.

Reducing the value of your vehicle for keeping the premiums low may turn out to be imprudent in terms of the claim.

You should also consider the deductible or policy excess while selecting an insurance policy. You must have observed, that the higher the deductible is, the lower your insurance premium would be. However, remember that higher deductible has a bad impact on your pockets while you make a claim.

Looking out for Discounts and Offers

Limited period discounts and offers on all or on the products of specific insurance companies are amongst the main reasons for hopping online to make your next auto insurance purchase. These offers & discounts can help in shaving some dirhams off the motor insurance premium.

You can sign up for newsletters from the comparison websites for staying updated about these offers that are specifically useful when your car insurance is to be renewed soon.

Pay & Go

For completing your purchase of car insurance online, you can directly pay at the comparison website using your credit card or through a phone call.

Make sure you confirm the turnaround time required in processing the payment and the issuance of the policy with your insurance provider. For instance, on some websites, it takes only an hour to issue your policy after making the payment and uploading the documents.

Reaching Out for Help or Support If Required

In case you get stuck at any level of purchasing online car insurance, then you can call on the customer care number of the service provider. Speak to the customer care representative or the online support team for getting your grievances solved.

To Sum Up!

With most of the insurance providers losing faith as well as interest in the retail engagement and brick & mortar stores, most of the business is either getting shifted online either entirely or partially. Same is the case for motor insurance in the UAE.

Buying car insurance online has become very popular these days. The best part of this option is that you can purchase insurance anytime and from anywhere. Long gone is the time when you could purchase insurance only between 9 to 5. Convenience is the most eminent advantage of online insurance.

Go through the above-mentioned process of buying auto insurance online for an easy and hassle-free insurance application.

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