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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. 

  • Comprehensive
  • Third Party
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.

Lets find out more about car insurance Ajman and all the factors to keep in mind to get the best one for yourself.

Types of Car Insurance in Ajman

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

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.

Third-Party Liability Car Insurance

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.

Benefits of Having Car Insurance in Ajman

Here is a list of the primary advantages of having car insurance in Ajman -  

  • Meets the Legal Requirement - Without valid car insurance, you will be liable to pay fines, incur black points, or even face the confiscation of your vehicle. By having car insurance, you can easily fulfil the legal requirement as mandated by UAE law and avoid such penalties.
  • Offers Financial Protection - Repairing your car after an accident can be pretty expensive. With a car insurance plan, however, you won’t have to worry about such expenses as your insurance policy will cover most of the costs associated with car repairs after accidents.
  • Opt for Riders or Add-On Plans - In Ajman and all other emirates, you can select riders/ add-on plans along with your basic plan. These are fundamentally added benefits that you can avail of for free or pay a very small amount. Note that the riders and add-on coverages may vary for each insurance company. Some instances of these benefits include off-road recovery, roadside assistance, and so forth.
  • Financial Protection Against Third-Party Lawsuits - In case of an accident that results in injury or damage to someone else's property, you could be held liable for the losses incurred. The presence of auto insurance can come in handy in such a scenario and serve as a safeguard for you. Apart from this, car insurance often extends its coverage to encompass legal expenditures as well.
  • Financial Coverage Against Loss of Theft of Car - Theft or loss of your car can affect you emotionally and financially. Possessing car insurance can certainly support you with the latter in such a situation. In case your car gets severely damaged or stolen, your insurer can provide compensation for the loss (up to your current car value). 

Which Documents are Required to Buy Car Insurance in Ajman?

Here are the documents and details that you must keep ready to buy car insurance Ajman - 

  • In case your vehicle is registered in the UAE for the first time 
  • If your vehicle is already registered 
    • Registration card (Mulkiya) - all the necessary details regarding your car will be obtained from it 
    • Originals required for offline purchases 
  • Driving licence and other specified documents of the driver 
  • A copy of your Emirates ID

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.

How to Find the Best Car Insurance in Ajman?

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 - 

List Down 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.

Check the Availability of Providers in Your Location

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. 

Look for Suitable Quotes

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.

Keep Track of the Performance of Insurance Companies

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.

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How to Buy Car Insurance in Ajman?

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 - 

  • Step1- Go to the homepage of our website and click on the car insurance icon.
  • Step2- Alternatively, from the drop-down, select & Insurance and then Car Insurance
  • Step3- Fill out the lead form with proper details and submit it.
  • Step4- Once the car insurance quotes page appears, check out the available plans and compare them.
  • Step5- Choose the one that meets your requirements.
  • Step6- Perform further steps as instructed to complete the application process.

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 - 

  • We have collaborated with prominent insurance providers across the UAE to bring the best car insurance plans to you
  • You can compare the top plans on our car insurance quotes page as per various parameters.
  • You can easily customise your plan with various add-ons on our site.
  • The insurance renewal process through our website is simple and hassle-free. Additionally, you can effortlessly switch your provider during the renewal period.
  • Our customer support team is available for your assistance round the clock. 

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Car Insurance Renewal Process in Ajman

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 - 

  1.  Visit our website and log into your account.
  2. Move to your dashboard to view all your purchased policies.
  3. From the list, select your car insurance policy.
  4. Go through it and make changes if needed.
  5. Tap on the ‘Renewal’ button and proceed with the next on-screen instructions.

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 - 

  • Make sure to stay updated with your policy renewal date so that you don’t forget to renew it within the given timeframe.
  • If you wish to switch your current provider, do it before renewing the policy.
  • It is always wise to stay up-to-date with your insurance company’s terms and conditions.
  • Your insurance coverage requirements may or may not change over time. If you need to add or remove any coverage, make sure to do it before the renewal process.
  • To renew the policy, your provider may require the following set of details and documents - 

renew car insurance

How to File a Claim for 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 - 

  • Notify your nearest police station regarding the incident. Make sure to provide them with each minor detail of the occurrence.
  • The next step is to inform your provider. Once done, download the claim form from their website and fill it up with the correct information.
  • Attach all the necessary documents. Note that you have to follow document size and format instructions to upload them.
  • Submit the claim form and wait till the provider evaluates your claim form and other submitted documents.
  • Once approved, take your car to one of your insurer’s approved car repair stations.  
  • The concerned authority at the workshop will look into car damages and inform your provider regarding the repair expenses.
  • Your insurance company will give a final approval after which your car will be taken for repair.
How to File Your Car Insurance Claim in UAE

FAQ's on Car Insurance Ajman

Which factors determine the premiums of car insurance in Ajman?

Insurance companies take multiple aspects into consideration while determining car insurance premiums - 

  • Applicant’s age
  • Applicant’s driving experience
  • Applicant’s driving history
  • Car’s features and age
  • Excess or deductibles
How can I find cheap car insurance in Ajman?

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.

Which add-on covers are provided by insurance companies in the UAE?

Some of the add-on plans offered by car insurance companies in the UAE are as follows - 

  • Roadside assistance (may include flat tyre services, towing assistance, and more)
  • Natural calamities cover
  • Oman extension cover
  • Personal accident cover for the driver 
  • Personal accident cover for passengers
  • Replacement of vehicle (for 5, 10, 15, 20, or 30 days)

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