Car Insurance Sharjah

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To drive around hassle-free and safely in Sharjah, it’s important to have a car insurance plan secured. In case your vehicle is involved in an accident and causes harm to others, your expenses regarding personal liabilities and vehicular damages can be covered with car insurance in Sharjah. 

The coverage of car insurance includes financial protection for third-party injury or death and indemnity for damage to their property. This ensures that you're shielded from financial losses in case of an accident. 

  • 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 Sharjah Through Policybazaar UAE

With Policybazaar UAE, you get the power to choose the best car insurance in Sharjah without any ‘third-party’ intervention like suggestions from agents or car dealers. In just a few clicks, you can find the best car insurance plans and all their details, helping you make a truly informed decision.

Check out some more benefits of applying for motor insurance using Policybazaar.ae including —

  • Assistance from industry experts
  • Round-the-clock customer care service 
  • Affordable premium rates 
  • Easy access to the trends in the insurance industry
  • Option to customise plans at your convenience 

Types of Car Insurance Sharjah

Let’s first understand the two major types of car insurance in Sharjah —

  • Comprehensive Car Insurance in Sharjah — Comprehensive car insurance covers both your vehicle and third party’s vehicle in case of accidents. In fact, it also covers your own vehicle against theft, fire, and more. Comprehensive car insurance is your safety net for getting back from unexpected events without worrying about legal issues.
  • Third-Party Car Insurance in Sharjah — In Sharjah, all car owners must have third-party liability car insurance. This type of insurance covers injuries and damages caused to others by your car. Although affordable, it doesn't cover your car's damage from accidents, fire, or theft. Nevertheless, this car insurance type is ideal if you're prepared to independently handle costs like repairing the car or medical bills.

Factors Affecting the Car Insurance Costs in Sharjah

The cost of car insurance in Sharjah depends on the following factors —

  • Driving Experience — Experience often correlates with age, although exceptions exist, especially for individuals who begin driving later in life. Inexperienced drivers face elevated accident risks, leading to higher insurance premiums due to increased claim probabilities.
  • Car Value — Your car's worth depends on its brand, model, age, features, condition, and how much you've driven it. If it's pricey, fixing or replacing it after a crash can cost a lot — that's why insurance for expensive cars usually costs more.
  • Agency or Non-Agency Repairs — Insurance is not complete without repair coverage. Car owners have two options: agency repairs from the dealer or non-agency maintenance approved by the insurer. Adding agency repairs to car insurance requires an extra fee. Before buying online car insurance in Dubai, make sure that it includes repair coverage.
  • Distance Travelled — Driving constantly heightens the risk of accidents, and insurance rates depend on risk. Thus, driving less annually decreases the likelihood of accidents, leading to lower insurance costs.
  • Claim History — If you haven't made any claims, you'll receive a percentage discount. Just show a certificate confirming no claims in the past year. The longer you go without claims, the higher the discount. No claims for a year can earn you a discount of up to 20%.

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How to Buy Car Insurance in Sharjah?

On Policybazaar.ae, you can easily apply for cheap car insurance in Sharjah. This is a one-stop portal for all your insurance needs. The application procedure is straightforward and can be completed within just a few clicks. 

Here are the steps that you need to follow to apply for a car insurance plan in Sharjah —

  • Step1- Visit the Policybazaar UAE website. 
  • Step2- Go to the ‘Car Insurance’ tab from the Insurance menu. 
  • Step3- Accurately fill out the lead form — this will direct you to our car insurance quotes page. 
  • Step4- Compare the plans and select one that works best for you.
  • Step5- Apply for it by following the instructions thereon. 

Documents Required to Apply for Sharjah Car Insurance

Listed below are the documents required to apply for car insurance in Sharjah —

  • Copy of valid driving licence
  • Emirates ID
  • Vehicle registration card (Mulkiya) or car purchase letter copy
  • Details like the engine number, chassis number, and more if your vehicle is being registered in the UAE for the first time 

Get Car Insurance Quotes For Other Emirates of UAE

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FAQ's on Sharjah Car Insurance

Is a car insurance plan mandatory in Sharjah?

Yes, car insurance is mandatory in Sharjah as per the UAE Federal Law.

What is covered under car insurance in Sharjah?

The benefits usually depend on the type of car insurance you opt for. For instance, comprehensive car insurance covers third-party liability, damages to the insured vehicle, fire, and more.

How can you choose a suitable car insurance in Sharjah?

To select the best car insurance plan, you should figure out your budget and requirements. Next, compare your options and check out their key features, exclusions, and more to make a decision.

Can you add riders to your car insurance in Sharjah?

Yes, you can add riders to your car insurance policy. Note that the benefits that you add may require an additional premium.

How can you file a claim on your car insurance in Sharjah?

To file a claim, you should first inform the insurance company of the incident and file a police report. The insurance provider will then assist with the claim process.

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