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Car insurance is not only a legal obligation for car owners in the UAE but also a smart financial decision. By driving with proper car insurance, you can avoid penalties like fines as well as the suspension of your driver's licence. In fact, by holding a valid car insurance policy, you not only align with UAE traffic regulations but also ensure financial protection in the event of accidents, car theft, and other unforeseen circumstances.

  • 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.

Why Should You Buy Car Insurance in Al Ain with Policybazaar.ae?

As you can see, there are several steps involved in choosing the best car insurance plan in Al Ain. Besides searching for suitable plans, you should also spend time looking for additional discounts and provider reviews before making a final choice. And while this step is crucial, it is also tedious as you will generally need to spend hours toggling through tabs and visiting different pages on your laptops or phones. 

Policybazaar.ae eliminates most of these idle steps to make buying and comparing insurance easy. You can search, compare, and buy your Car insurance Al Ain plans swiftly in a go. The universal platform of policybazaa.ae ensures that you get all the information you require on a single page. On top of it, our customer service team is available 24x7 to help solve every problem that you may face while purchasing the plan or during the tenure. If you are confused about your requirements and plans, our finance experts can also help you choose the right plan. Finally, you can always expect some additional discounts when you shop for your Car insurance Al Ain with policybazaar.ae.

Types of Car Insurance in Al Ain

Primarily, two types of car insurance are available in Al Ain — 

Comprehensive Car Insurance

Comprehensive car insurance is fundamentally a type of car insurance that extends coverage to both the policyholder and any third parties involved in an accident. Rather than covering only third-party liabilities, comprehensive plans also offer compensation for damages to the policyholder’s own vehicle.

Comprehensive car insurance offers the flexibility to expand the coverage scope of your plan through add-ons and riders. These supplementary options may include protection against damages resulting from natural disasters, the loss of personal belongings, and various other additional coverages.

Third-Party Liability Car Insurance

Third-party liability car insurance provides financial coverage in situations where a policyholder is legally liable for damages or losses incurred by a third party during a car accident. This insurance compensates the third party for expenses related to property or vehicle damage as well as medical costs incurred in the accident.

While this type of policy is typically more economical than comprehensive coverage, it does not extend coverage to the policyholder's own vehicle.

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What are the Benefits of Having Vehicle Insurance in Al Ain?

Given below are the major benefits of possessing a car insurance policy in Al Ain — 

Meeting Legal Requirements

It is legally necessary for all vehicle owners in the UAE to get car insurance. Driving without a valid car insurance policy can result in penalties, accumulation of black marks on your driving licence, or even the confiscation of your driving licence.

Providing Financial Security

Car repairs following an accident can be financially burdensome, particularly when considering the ongoing impact of inflation. With an insurance policy, you can shield yourself from these costs and overcome these financial strains.

Option for Enhancements with Riders or Add-On Plans

In Al Ain, as well as other regions across the UAE, insurance companies allow you to add extra coverage to your basic plan through riders or add-ons. These supplementary provisions offer added benefits, often at no extra cost or for a nominal fee. It is essential to note that the specific riders and add-on coverages may differ among insurance providers. Examples of such coverages are off-road coverage, roadside assistance, and more.

Protection Against Third-Party Lawsuits

Driving involves unforeseen risks, including the chances of accidents leading to injuries or damage to another person's property. In such instances, you may be held accountable for the resultant losses. 

Vehicle insurance stands as a valuable shield in such scenarios, providing coverage for both property damage and legal expenses.

Safeguard Against Loss or Theft of Your Vehicle

Theft or the loss of your vehicle can be emotionally and financially distressing. Car insurance provides crucial support in such circumstances. In the case of significant damage or theft of your vehicle, your insurance provider can offer compensation for the repairs, eliminating the financial burden associated with these situations.

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How to Buy Vehicle Insurance in Al Ain?

Obtaining the best car insurance in Al Ain might appear confusing due to the plethora of choices available. From picking the right provider to selecting a suitable coverage plan, it can be quite a time-consuming process. 

Nevertheless, here, at Policybazaar UAE, we have simplified the entire procedure to help you effortlessly find the best plan to safeguard your vehicle, all while ensuring your budget remains intact.

Here are the steps to be followed

  • Step1- On policybazaar.ae, click on the ‘Insurance’ drop-down and select car insurance.
    • Note that you can also click on the ‘car insurance’ icon on the homepage.
  • Step2- A lead form will appear on the next page.
  • Step3- Fill it out properly and submit it. 
  • Step4- This will take you to our car insurance quotes page, which will have the most relevant plans as per your entered details. 
  • Step5- Go through all the plans, compare them, and select the most appropriate one.
  • Step6-Proceed with the further prompted instructions to complete the application.

You can unlock a wide range of benefits by getting car insurance in Al Ain through our digital platform — 

  • We have tie-ups with some of the major insurance companies across the UAE.
  • Each plan on our website has been curated with the aim of providing the best plan at affordable premiums.
  • You can seamlessly customise your plan on our platform.
  • You can switch your provider at the time of renewal if you want.
  • Our website is easy to navigate.
  • The car insurance renewal process is simple and swift.
  • Our customer support team is always available to promptly assist you.

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What Documents Are Required for Buy/Renew Car Insurance in Al Ain?

Mentioned below is the checklist of documents necessary for purchasing car insurance in Al Ain — 

  • Valid Emirates ID
  • Valid driving licence
  • Valid trade licence copy (if the car is owned by a company)
  • Valid vehicle registration (Mulkiya) if already registered in the UAE
  • If the vehicle is being registered for the first time, details related to the car such as engine number, chassis number, and others will be required

Note: Make sure to have a word with your provider regarding the required documents, as the company may require additional document(s).

What is the Car Insurance Renewal Process in Al Ain?

It is crucial to be aware of the car insurance renewal process in Al Ain as failing to renew the policy on time can lead to issues like black points on your driving licence, hefty fines, and even licence confiscation.

Car insurance companies in the UAE, including those in Al Ain, allow policyholders to renew their policies within a tenure of 13 months. While car insurance remains valid for 12 months, an additional 1 month is given to individuals as a grace period to renew their respective policies. If a policy expires, it means that the insurer will not consider any claim request if vehicles get damaged.

Heres is the process of how to do a car insurance policy renewal through Policybazaar UAE

  • Step1- Sign in to your Policybazaar.ae account.
  • Step2- Move to the dashboard to view all the purchased policies.
  • Step3- Locate your car insurance plan that has to be renewed and choose the renewal option.
  • Step4- Read the policy details carefully and make customisations to the existing plans if required.
  • Step5- Once done, complete the payment process to renew your policy.

Note: The renewed policy documents will be sent to your registered email ID.

When renewing your car insurance, its important to consider a few points to avoid any discrepancies later — 

  • Keep yourself updated with any modifications or changes regarding your insurance provider’s policy terms and conditions.
  • Always remember your policy renewal date to prevent it from expiration. Set automatic payment reminders if needed.
  • As your insurance plan’s coverage may change over time, make sure to go through the current policy coverage and fine print before renewal. 
  • Customise your existing plans or switch to a new provider before the policy renewal if required.
  • Make sure to keep the following documents handy to successfully carry out the process of car insurance renewal — 
    • UAE driving licence
    • A valid copy of Emirates ID
    • Car registration card and more

How to Claim Your Motor Insurance in Al Ain?

As a driver, you must always be prepared in case something adverse happens to you or your vehicle while driving. Knowing the car insurance claim process is important as it will save you from spending huge amounts for car reparation and medical costs in case your car gets damaged or you get injured while driving. Insurance claims ensure quick compensation in such cases including legal fees (if any). 

Explained below is the step-by-step process of filing a car insurance claim for car owners in Al Ain — 

  • Step1- One of the primary elements of a car insurance claim is a police report. Firstly, go to your nearest police station to obtain a police report.
  • Step2- Immediately inform your insurance provider and let them know about the entire scenario and the damages incurred by the involved parties.
  • Step3- Download the car insurance claim form from the official website of your provider and fill it out with the correct details.
  • Step4- Attach and upload all the documents as per the mentioned guidelines.
  • Step5- Submit the form along with the documents.
  • Step6- The respective provider will review the claim form.
  • Step7- Once approved, have your car towed to one of your insurer’s approved list of garages.
  • Step8- Authorities at the car repair station will analyse the damages and create an invoice for the repair costs involved.
  • Step9- Your provider will evaluate the invoice and give final consent.
  • Step10- Upon approval, your car will be taken for servicing.
  • Step11- You will be notified regarding the expected delivery of the car.
  • Step12- Collect your car once repaired and complete the final documentation.
How to File Your Car Insurance Claim in the UAE

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FAQ's

Q1. I have recently purchased my first new car in Al Ain and am unable to find the right insurance. Can anyone assist me on how to find the best one?

Keep a few important points in mind to get the best car insurance policy for your car — 

  • Jot down your requirements
  • Explore the most prominent insurance companies in your Emirate
  • Check out their plans and shortlist a few of them.
  • Compare the plans and select the ideal one.
Q2. Can I change my current car insurance provider during the policy renewal period?

Ans: Yes, you can switch your existing provider before renewing the policy.

Q3. What documents are required while renewing a car insurance policy?

Ans:  You will need the following list of documents — 

  • UAE driving licence
  • Car registration card
  • A valid copy of Emirates ID and more
Q4. Do I need to have a valid car insurance plan at all times in Al Ain?

Ans: Yes, it is mandatory to have a valid car insurance plan at all times in Al Ain. Every car owner is required to have at least a third-party liability cover for their car at all times. 

Q5. Is a police report mandatory to claim car insurance?

Ans: Yes, it is necessary to obtain a police report to make a claim with your car insurance policy.

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