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Having a car insurance plan in the UAE for your beloved vehicle is of utmost importance. Car insurance Abu Dhabi is compulsory for all vehicles. It not only protects you from financial instabilities but also ensures that you do not have to go through the trouble of fulfilling third-party liabilities in case of an accident. This is why the government of the UAE and Abu Dhabi has made it legally necessary to buy a car insurance plan for all car owners. Let’s cover everything you must know about car insurance Abu Dhabi in detail.
As the name suggests, a third-party car insurance plan covers the damages incurred by the third party in a car accident that was your fault. A third-party liability car insurance plan is the most basic level of protection that every vehicle must have in Abu Dhabi. These plans cover any damages caused to the third-party vehicle as well as the injuries incurred by the third-party driver. However, any damages incurred by own vehicle are not covered. Hospital expenses are also not covered by the policyholder.
With a combination of own damage cover and third-party liability cover, a comprehensive car insurance in Abu Dhabi will cover both the third-party damages as well as own damages of the policyholder’s vehicle. In addition to that, a comprehensive car insurance plan covers damages caused by natural disasters, man-made disasters, theft of the car, or damages caused due to fire and explosion. Comprehensive car insurance plans can also be combined with add-on covers and customised as per the requirements of the policyholder.
Available as both third-party car insurance and comprehensive car insurance plans, temporary car insurance plans are a short-term solution for your car insurance requirements. The same benefits are offered in these car insurances in Abu Dhabi. However, the tenure of temporary car insurance plans may differ. While generic car insurance in Abu Dhabi is available for 12 months, temporary car insurance plans can be signed up for any duration starting from just a day to a few months.
There are several benefits you can enjoy when you have proper Abu Dhabi Car nsurance. Given below is a list for some of the top ones:
Since it is compulsory to have proper, valid car insurance in Abu Dhabi at all times, having one will save you from going through easily avoidable legal ordeals. Not having valid car insurance in Abu Dhabi can lead to a fine of AED 500 plus four black points on your driving license. Your car may also get seized for a few days. You can easily avoid all the legal issues when you have up and running car insurance in Abu Dhabi at all times.
Accidents are almost evident when it comes to driving, whether small or big. If you happen to cause an accident where a third party sustains damages, you may have to deal with a lawsuit to pay for the said damage. Having a car insurance plan here saves your neck. Since every car protection plan is designed to cover the damages caused to the third party because of the policyholder, the responsibility does not fall onto you. The insurance plan not only handles the expenses but also cover legal fees in many cases.
Having good car insurance in Abu Dhabi is a wonderful backup plan to ensure your financial stability. Car repair expenses are not small ones. In addition to that, if accidents have been caused, the expenses add up quite a lot. With a car protection plan to rely upon, you can at least expect your burden to get lighter. Without a car insurance plan in place to protect you, an accident or even a breakdown in your car leads to very high repair bills. Add third-party liabilities to it and the financial dip gets even worse. This is why is not only legally necessary but also smart to have a proper car policy in place.
Cars are not only an asset but a dear commodity to many. Losing your car, having it totalled in an accident or simply having it stolen is something that can set one back quite a lot, emotionally and financially. Car insurance in Abu Dhabi is designed to cover your car insurance plan it happens to get stolen or is totalled in an accident. The insurance company pays you compensation equal to that of the current value of your car to ease the financial setback at the least.
Car Insurance Companies
Types of Car Insurance Plans Offered
Platinum Cover, Gold Cover, Standard Cover
Motor Executive (Comprehensive), Motor Smart (Comprehensive), Motor Value (Third-Party)
Comprehensive Car Insurance, Third-Party Liability Car Insurance
Comprehensive Car Insurance cover, Third-Party Liability Cover
Comprehensive Cover, Third-Party Insurance, InsureMyTesla, High Net Worth Covers
There is a comprehensive list of documents you will need to buy a car insurance plan. If you plan to buy car insurance Abu Dhabi online, you will need a scanned copy of all the documents. Although if you buy the plan offline, physical copies and original will be required. Given below is the complete list of all the documents you will need:
One of the biggest factors that affect your car insurance price is the age and condition of the car. Newer cars tend to have a higher premium amount because maintenance for new cars costs more than it does for older ones. As far as the condition of the car is concerned, cars kept in better condition get cheap car insurance in Abu Dhabi. Older cars that are in top condition can get the lowest possible rates for cheap car insurance in Abu Dhabi.
Younger drivers who do not have much experience in driving yet tend to attract higher insurance premium rates. Younger, less experienced drivers are at higher risk of getting into an accident and damaging the car. This increases the risk factor for the insurance company that insures your car and hence the premium increases. Drivers in their middle age with a bit more experience tend to see a decline in the price of their car insurance plans. If an owner-driver is 18 years old when they get the insurance plan, a price drop could be in the books when they turn 25.
The better the driving record you have, the more discount you can get on your car insurance plans. Car insurance companies in Abu Dhabi and the rest of the UAE offer special discounts and offer to people who have a spotless driving record. Your traffic file and driving records can easily be accessed by insurance companies that offer performance-based bonuses. The reasoning here is pretty simple. Better drivers who do not have a history of road accidents or traffic violations are less of a risk for insurance providers to take. Good driving means lesser chances of the car being damaged and hence lesser chances of insurance claims. On the other hand, risky drivers with a lot of violations on hand get pricier insurance plans simply for being a higher level of risk for insurance companies to take.
Aside from the driving record of the owner-driver, the number of accidents ca car has been a part of also makes a huge difference in car insurance Abu Dhabi prices. If a car has been in a lot of accidents, big or small, the chances of it breaking down or having mechanical and electrical problems are higher. Since accidents worsen the condition of vehicles, they are seen as a potential factor that increases the risk for insurance companies if they decided to insure your vehicle. If you are buying a second-hand car, check out its accident and breakdown history. Since it all goes in police records as well as insurance records, your insurance provider will have access to it anyway.
Insurance prices for every provider are regulated by government authorities so that there aren’t any unfair dealings. This means that if the price fluctuates, it will affect all the insurance providers in one way or another. It also means that insurance providers can not offer too low too high of a price for their plans to maintain fairness. The regulations set by governing authorities or any kind of changes introduced over time can make a significant difference in car insurance premium prices.
The type and scope of your car insurance plan can influence the price of your car insurance plan quite a bit. For example, temporary car insurance plans and third-party liability car insurance in Abu Dhabi are cheaper than comprehensive car insurance plans. In cases of comprehensive car insurance plans, the more benefits they offer, the higher the prices. In short, plans offering more benefits will cost more whether they are of the same type or different ones.
A deductible is an amount that the policyholder is liable to pay out of pocket whenever they make a claim. The insurance covers the remaining amount after the deductible has been covered by the policyholder. If the plan holder opts for higher deductibles, it lessens the burden for an insurance company. This is why car insurance Abu Dhabi with higher deductibles costs lesser than the plans with lower deductibles.
While it is rare for insurance companies to offer hefty promotional discounts due to the regulation set by governing. However, there is still a chance for you to score a few discounts on your car insurance prices. Some car insurance companies offer seasonal discounts and offers. Some insurance companies also offer discounts on online purchases.
You can easily buy your car insurance in Abu Dhabi online as well as offline.
Use the provider website or the website of your insurance aggregator like Policybazaar UAE to buy your car insurance in Abu Dhabi online. The process for both these platforms is pretty similar. To buy your car insurance in Abu Dhabi from Policybazaar UAE, simply go to the car insurance portal and fill up the lead form. Enter a few personal details and the details of your car when prompted. Once you are done with that, you will be directed to the list of available car insurance plans as per the details you have entered. Choose the plan you want once you have compared the available options from different providers and proceed to fill out the application. Make the final payments and complete the purchasing process.
The same process can be repeated when you are purchasing the plan from the provider website directly. Go to the provider website instead of the aggregator website and locate the purchasing portal there. However, you will have to pick your plan and provider beforehand since you won’t have enough room for comparison on the provider website.
If you plan to buy your insurance plan offline, you will either need to visit one of the branch offices of the provider or a car insurance broker in Abu Dhabi. If you have a car insurance broker in Abu Dhabi, simply let them know about the plan that you wish you buy and they will take the process further for you. If you want to buy your insurance plan from the provider directly, get in touch with a representative when you visit the branch. You will find all the available options for car insurance in Abu Dhabi with the provider in the branch itself. Have your pick and fill out the paperwork to finalise the purchase. You will need originals and physical copies of all the documents required to car insurance in Abu Dhabi offline.
Choosing the perfect car insurance Abu Dhabi is a tricky task. There is a lot to figure out and do before you can finalise one plan. Several factors must be taken into consideration to buy an ideal plan that suits your every need. Given below are some pointers that you can consider to ensure that you buy the perfect plan for your car:
The steps for submitting a claim for your car insurance in Abu Dhabi may differ a little bit when fine details are concerned but the gist remains to be the same. Given below is a list of all the steps you must follow when trying to make an accident claim against your car insurance Abu Dhabi:
Follow the below-given steps to renew your car insurance Abu Dhabi online with little to no trouble:
Ans. Yes, own damage is covered by all comprehensive car insurance in Abu Dhabi. All accidental damages, as well as theft and damages by fire and explosions, are covered by comprehensive and own damages car insurance plans.
Ans. Several factors can affect the car insurance premium rates in Abu Dhabi. The tops ones include the make and model of the car, age and experience of the driver, geographical location of the driver, age of the car and driving record of the driver-owner.
Ans. Anyone older than 18 years of age with a valid driving licence and car registration under their name can buy a car insurance plan in the UAE. The policyholder has to be either a resident or a citizen of the UAE. A non-owner car insurance plans are something driver without a car registration on there can also buy if they meet the rest of the eligibility requirements.
Ans. IDV or the insured declared value of a car is a reflection of the current market value of the car.
Ans. No claim bonus is a reward the policyholders get for not making any claims for the entire tenure. The longer you do not make any claims, the higher your no claim bonus gets. The higher no claim bonus a person can get is generally capped at 50%. Policyholders can use their no claim bonus to get discounts on their car insurance premiums.
Ans. Yes, you can easily get your car insurance paper online at the login portal of the provider/aggregator or via email as well.
Ans. The basic insurance coverage of any Car insurance plan does not cover damaged or lost accessories, whether electrical or non-electrical. However, you can get an add-on for it.
Ans. No, you can only have one car insurance plan for your car. Having more than one car insurance plan for a vehicle is not possible.
Ans. Yes, there is a 30-day grace period to renew your car insurance in Abu Dhabi after the expiration of the 12-month validity of the plan.
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