Are you a car owner in Ajman, the UAE? As per traffic laws, you must necessarily have car insurance in Ajman. Driving without a valid car insurance plan can land you in trouble as you may have to pay fines, incur black points, and face other penalties.
At the same time, it’s worth remembering that car insurance is not just mandated but also a smart way to protect your money. With car insurance, you can easily cover yourself against expenses arising from car accidents, third-party liabilities, and more.
Lets find out more about car insurance Ajman and all the factors to keep in mind to get the best one for yourself.
You will find two types of car insurance in the UAE - comprehensive and third-party liability insurance. Lets go through each category in detail below -
Comprehensive car insurance is a type of car insurance Ajman that covers the losses/ damages sustained by the policyholders vehicle and themselves as well as third-party individuals and properties in an accident. With comprehensive plans, you can have coverage for various scenarios. From car theft and natural disaster coverage to loss of personal belongings, these plans cover it all.
On top of that, policyholders can also get add-ons and/or riders added to their basic plan.
In third-party liability car insurance, insurers provide coverage to the policyholder against legal liabilities that occur as a result of damages/loss caused by them to a third persons accident/injuries or car. It compensates the third party for property damage and medical costs and even covers the policyholders legal fees arising due to the accident. Third-party motor insurance Ajman plans are more affordable than comprehensive ones.
Here is a list of the primary advantages of having car insurance in Ajman -
Here are the documents and details that you must keep ready to buy car insurance Ajman -
Note: Make sure to consult your insurance provider with respect to the required documents. While the given list of documents is standard for every insurer, they may require additional documents in certain scenarios as well.
Are you searching for the best car insurance in Ajman but confused about how to choose and which one to go for? Here are some tips that will help you find the most suitable car insurance plan as per your requirements -
Evaluating your requirements for car insurance is important as it allows you to customise its coverage to precisely match your situation. Elements like driving patterns, vehicle category, and budget collectively help you determine the plan you require. By appraising these requirements, you can easily categorise which coverages are not needed and, hence, save money.
Every insurance provider presents distinct coverage choices, premium rates, and potential discounts. Through a comprehensive assessment of multiple companies, you can assess the policy that aligns perfectly with your necessities and financial needs. In addition to that, you get a deeper comprehension of the UAE insurance market that further supports you in making well-informed choices.
Every insurance provider presents varying rates and choices of coverage. Through a meticulous comparison of car insurance quotes from different companies, you can find the most budget-friendly policy tailored to your distinct requirements. Collecting multiple quotes provides you with insight into the multiple premium options prevalent in the market.
It is crucial to analyse the Claim Settlement Ratio (CSR) of your respective car insurance company. The CSR is simply the ratio of claims successfully resolved by an insurance company in relation to the overall count of claims it has received. A higher Claim Settlement Ratio signifies a greater probability of the insurance company handling claims promptly and equitably.
By taking the CSR into account, you can find a suitable insurance provider that has a good history of fulfilling claims. This guarantees your access to vital financial aid and support in the event of an accident or vehicle damage.
Buying the best car insurance in Ajman may sound challenging as there are multiple options you can opt for. From selecting a provider to choosing a plan with required coverage, it is certainly a time-consuming process.
However, we, at Policybazaar.ae, make it quite easy for you to select the ideal car insurance plan to cover your car without burning a hole in your pocket. Here's how you can seamlessly buy car insurance online from our website -
You will receive a softcopy of your policy on your registered email ID once all the processes are done.
Buying car insurance in Ajman through our platform has several benefits such as -
In Ajman, as well as other Emirates, insurance companies ask you to renew your policy after 13 months it has been issued. While car insurance policies are active for 12 months, an additional 1 month is given as a grace period for the renewal of the policy.
Car insurance stands invalid if one fails to renew it within this specified period. It is important to understand that after the grace period ends, policyholders are not eligible to make a claim with their insurance plan if a car accident takes place.
Thus, it is crucial to keep track of your policy renewal due date and complete the action within the set timeframe. When it comes to renewing your insurance, you can conveniently carry out the process via our website, policybazaar.ae.
Here’s how you can complete the renewal process through Policybazaar.ae -
Note: The renewed policy details will be sent to your registered email ID.
It’s important to take a few points into account before renewing your car insurance in Ajman -
In case of an accident, you may face financial issues in terms of paying medical bills, and costs associated with your car repair. For that matter, even paying a legal fee (if any) may be challenging for you.
To get the necessary financial assistance from your insurance plan, you must be thoroughly aware of the claim process for your car insurance in Ajman. Even a minor error in the claim process can result in the rejection of your claim.
Here we have explained the step-by-step process of how to file your car insurance claim -
How to File Your Car Insurance Claim in UAE |
Insurance companies take multiple aspects into consideration while determining car insurance premiums -
You can check out policybazaar.ae to get car insurance in Ajman at highly attractive rates. On our platform, you can find the best car insurance plans as per your personal requirements.
Some of the add-on plans offered by car insurance companies in the UAE are as follows -