Car Insurance in Fujairah

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Having car insurance in the UAE is not only a legal requirement for a car owner but a wise financial decision as well! 

Driving without valid insurance can lead to fines and even suspension of your driving licence. With a valid car insurance plan, however, you not only comply with UAE traffic laws but also have financial coverage in case of an accident, car theft, and so on. 

All in all, having car insurance is not just a mandate; it's also a smart way to safeguard your finances.

  • 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.

Types of Car Insurance in Fujairah

Car insurance Fujairah can be majorly categorised into two segments:

  • Comprehensive Car Insurance: Comprehensive car insurance is a policy that offers coverage for both the insured and third parties involved in an accident. Instead of just covering third-party liabilities, this type of car insurance also covers own vehicle damages. With comprehensive car insurance, you get the option to enhance the coverage scope of your plan with add-ons and riders. This may include coverage for damages caused by natural disasters, loss of personal belongings, and so forth. 
  • Third-Party Liability Car Insurance: Third-party liability car insurance provides coverage to policyholders against legal liability arising from damages or losses caused by them in an accident involving a third party. It compensates the third party for property or vehicle damage and medical expenses incurred due to the insured's responsibility in a car accident. 

This type of policy is typically more cost-effective than comprehensive coverage, although it doesn’t provide coverage for your own vehicle like the latter option.

What are the Benefits of Having Car Insurance in Fujairah?

Mentioned below are the primary advantages of Fujairah car insurance:

  • Meets Legal Requirements: As previously mentioned, having car insurance is a mandatory requirement for car owners throughout the UAE. Failing to have a valid car insurance plan can lead to fines, accrual of black points, or even the confiscation of your driving licence. 
  • Provides Financial Protection: Repairing a car following an accident can be quite costly, especially considering the impact of rising inflation. To mitigate these expenses, having an insurance policy that shields your car from these costs is a great choice.
  • Option for Riders or Add-On Plans: In Fujairah as well as other emirates of the UAE, you have the option to enhance your basic insurance plan with riders or add-on plans. These offer supplementary benefits either at no extra cost or for a nominal fee. It's important to note that the specific riders and add-on coverages may vary among insurance companies. Examples of these benefits include off-road cover, roadside assistance, and so forth.
  • Protection Against Third-Party Lawsuits: Driving carries unexpected risks, including the possibility of accidents that result in injuries or damage to someone else's property. In such cases, you could be held responsible for the resulting losses. Auto insurance can serve as a valuable safeguard in such scenarios, providing coverage for both property damage and legal expenses.
  • Protection Against Loss or Theft of Your Car: Theft or the loss of your car can be emotionally and financially distressing. Car insurance steps in to support you in such situations. In the event of severe damage or theft of your vehicle, your insurer will provide compensation equivalent to your car's current value, saving you from the stress of this financial burden.

How to Find the Best Car Insurance in Fujairah?

Are you worried about how to buy the most suitable car insurance in Fujairah? Simply follow these steps to make an informed decision - 

  • Identify Your Insurance Requirements: Assessing your specific requirements for Fujairah vehicle insurance is an essential step, as it enables you to tailor your coverage to match your primary requirements. Factors such as your driving habits, vehicle type, and budget collectively determine the most suitable plan for you. By evaluating these needs, you can easily determine unnecessary coverages and, in turn, save on costs.
  • Explore Available Providers in Your Area: Each insurance provider offers distinct coverage options, premium rates, and potential discounts. Conducting a thorough assessment of multiple companies allows you to evaluate policies that align perfectly with your requirements and financial considerations. This process also provides a deeper understanding of the UAE insurance market, which helps you make well-informed decisions.
  • Seek Out Appropriate Quotes: Insurance providers offer varying rates and coverage options. By effectively comparing car insurance quotes from different companies, you can identify the most budget-friendly policy tailored to your specific needs. Collecting multiple quotes also provides valuable insights into the various premium options prevalent in the market.
  • Monitor Insurance Company Performance: Evaluating the Claim Settlement Ratio (CSR) of your chosen car insurance company is critical. CSR represents the proportion of claims successfully resolved by an insurance company against the total number of claims received. A high CSR indicates a higher likelihood of the insurance company processing claims promptly and fairly.

By considering the CSR of top insurance companies, you can select a car insurance provider with a proven track record of fulfilling claims. This, in turn, ensures seamless access to essential financial assistance and support in the event of an accident or vehicle damage

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What Documents are Required for Buying Car Insurance in Fujairah?

Here is a checklist of documents usually required for purchasing Fujairah car insurance - 

  • Valid Emirates ID
  • Valid driving licence
  • Valid vehicle registration
  • Original vehicle invoice
  • Valid trade licence copy (if the car is owned by a company)

Note: Make sure to consult your provider regarding the required documents, as it may require additional documents besides the ones mentioned in the list above.

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Top Factors Affecting Car Insurance Premiums in Fujairah

Lets take a look at the major factors that affect your car insurance premiums - 

  • Age: Age is a primary factor that insurance companies consider when determining insurance premiums. Typically, young drivers, particularly teenagers and those in their early twenties, often face higher insurance costs. This is because statistics consistently show that these younger drivers have a higher likelihood of being involved in accidents or engaging in risky driving behaviours.In contrast, as drivers accumulate more experience and reach middle age, their insurance premiums tend to decrease. Individuals in the middle-aged group are generally seen as more responsible and less likely to take unnecessary risks while driving. However, as drivers approach their senior years, insurance premiums may rise again due to factors like reduced vision and other health issues.
  • Driving Experience: Insurance companies also assess an individual's driving experience when evaluating their risk profile. Those with a long history of safe driving and extensive experience on the road typically enjoy lower insurance premiums. This is due to the fact that insurance providers view them as posing a lower level of risk, resulting in more favourable rates.On the contrary, newly licensed drivers or those with limited exposure to driving often face higher insurance premiums. Providers consider drivers with less experience to be at a higher risk because they may not have fully developed their driving skills or encountered a variety of road situations.
  • Driving History: An individual’s past driving behaviour plays a crucial role in the assessment of their level of risk. A clean driving record typically leads to lower insurance premiums. Drivers with a history of accidents or multiple traffic violations, however, are considered higher risks by insurance providers. As a result, they can expect to pay higher premiums compared to individuals with a clean driving history.
  • Car History and Features: The history and features of your vehicle also influence insurance premiums. Newly purchased cars often come with high insurance premiums due to their higher market value, which can result in expensive repairs or replacements in the event of an accident. As a vehicle ages, its value decreases, potentially leading to lower insurance costs.Moreover, vehicles equipped with advanced safety technologies, such as anti-lock brakes, airbags, and collision avoidance systems, are considered safer and less prone to accidents. These cars qualify for lower premiums. High-performance or sports cars typically have higher premiums due to their increased risk of accidents and higher repair expenses.
  • Excess or Deductibles: Choosing a higher excess or deductible means taking on more financial responsibility in the event of a claim, which leads to lower insurance premiums. On the other hand, selecting lower excess or deductibles shifts a greater share of responsibility to the insurer, resulting in higher premiums. It's essential to keep a balance between excess/deductible and premium, considering your financial situation and willingness to accept risk.
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How to Buy Motor Insurance in Fujairah?

Acquiring the best motor insurance in Fujairah may seem like a complex task given the multitude of options available. From choosing a provider to selecting a plan with the necessary coverage, it can be a time-consuming process to compare the top car insurance plans and get the best one for yourself. 

However, at Policybazaar UAE, we have streamlined the whole process to help you easily select the ideal plan to protect your car without straining your finances. Here's a comprehensive guide to purchasing insurance through our website -

  • Step1- Visit the homepage of
  • Step2- Navigate to the 'Insurance' dropdown menu and select 'Car Insurance.'
  • Step3- Complete the lead form with accurate details and submit it.
  • Step4- Once you reach the car insurance quotes page, review the available plans and make comparisons.
  • Step5- Choose the plan that aligns with your specific requirements.
  • Step6- Follow the provided instructions for subsequent steps and complete the payment.
  • Step7- You will receive a digital copy of your policy delivered to your registered email address. 

Purchasing car insurance in Fujairah through our platform offers several advantages - 

  • As we have established partnerships with prominent insurance providers across the UAE, you can find the best car insurance plans from various companies in one place.
  • Our quotes page features a wide range of comprehensive plans.
  • You can easily customise your plan to suit your preferences.
  • The insurance renewal process on our website is straightforward and hassle-free, and you can effortlessly switch providers during the renewal period.
  • Our customer support team is available round the clock to assist you with any inquiries or concerns.

How to File a Claim for Car Insurance in Fujairah?

It is crucial to stay updated with the car insurance claim process to avoid any later hassle. Claiming your car insurance at the earliest ensures quick compensation for any damages that occur due to unexpected accidents. Car accidents can cause you financial trouble as the medical bills, repair expenses and legal fees (if any) are pretty costly. 

With car insurance claims you get instant financial support to bear all the related expenses. For your reference, we have explained the step-by-step process to make a claim with your car insurance - 

  • Contact your nearest police station and inform them about the entire incident. Make sure to convey even the minor details of the accident.
  • The next step is to inform your provider to initiate the claim process and download the claim form from the insurer’s official website.
  • Fill out the claim form with correct details and attach the essential documents. It’s worth mentioning that you must follow the instructions regarding size and format for uploading the documents.
  • Submit the form and wait for the insurer’s response.
  • If your claim request gets approved, take your car to one of the provider’s approved mechanical workshops.
  • The workshop will analyse the car damages and get in touch with your insurance company to inform them regarding the repair-related costs.
  • Finally, after the final approval from the provider, your car will be taken for servicing.

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Car Insurance Renewal Process in Fujairah

In Fujairah and all emirates of the country, car owners have a time span of 13 months to renew their car insurance. Originally, a car insurance policy remains active for 12 months. However, an additional grace period of 1 month is given to policyholders to renew their policies.

Failing to renew policies within the given timeframe can result in the expiration of car insurance. It means that accidents occurring post that period are not considered for claims. Additionally, car owners are liable to face penalties for driving without valid insurance. Thus, to prevent such situations, timely insurance renewal is highly recommended. 

Here’s how you can renew your car insurance plans through the Policybazaar UAE platform - 

  • Step1- Sign into your Policybazaar UAE account.
  • Step2- Navigate to the dashboard to view your existing insurance policies.
  • Step3- Locate your car insurance and click on the ‘Renewal’ button.
  • Step4- Go through the current plan coverage and make customisations if required. Visit the car insurance quotes page, where you can choose a new plan or continue with the same plan accordingly.
  • Step5- Carry out further steps as prompted on the screen.

Note: Your renewed policy details will be sent to your registered email ID. 

It is crucial to take the following points into account before you proceed with the renewal process of car insurance in Fujairah - 

  • It is important to be well-informed regarding the insurance renewal date to avoid trouble later.
  • Insurance coverage requirements may change over time. Thus, make sure to review and make changes as per requirements before renewing your policy.
  • Keep yourself updated with the terms and conditions of your current insurer.
  • You can also opt for a different insurance provider if you are not satisfied with the services offered by your current insurer.
  • The following set of documents are required during the insurance renewal process - 
    • UAE driving licence
    • Valid copy of Emirates ID
    • Car registration card and more

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