Car Insurance

Comprehensive Insurance:

A comprehensive insurance plan is designed to protect you from third-party liability claims as well as damages incurred by your vehicle and injuries sustained by the driver. Depending on the coverage scope of the plan, a comprehensive car protection plan can offer cover against damages caused by accidents, fire, natural disasters, man-made disasters, theft and collisions. Comprehensive car insurance UAE can get you any level of coverage that you are looking for with options to customize the benefits as well.

Third Party Insurance:

A third-party liability insurance plan is for all third-party claims in case of accidents where you are at fault. It is the most basic level of vehicle protection you will find anywhere in the world. Your vehicle is not protected or covered against any damages caused in an accident by a third-party liability insurance plan. All cars in the UAE are required to at least have valid third-party liability coverage at all times. 

Difference Between Third Party, Standlone OD and Comprehensive Car Insurance

• Evaluate Your Needs: Every driver-owner has a set of unique needs which means that your ideal auto protection plan needs to be customized. So, the first to buy the right car insurance Dubai for your car is to evaluate your needs. See what you want your vehicle protection plan to cover and find out whether there is anything special you would like to add. For example, if you take your car on dune safaris often, an off-road cover is a must for you. Make a list of all such unique covers your car requires and then start searching for a plan that can satisfy them all. 
• Scout Through Providers: Finding the best car insurance companies in Dubai or any other emirate is very important. Read car insurance reviews online talk to your fellow car owners about their auto insurance providers. Choose the one with fair goodwill at the least. Make notes of everything from their plans to the claim settlement process and customer service. 
• Obtain a Few Quotes: Go ahead and get car insurance quotes in Dubai for at least your top 3 plans. Compare these final car insurance quotes for Dubai, UAE and find out which insurance plan is the most cost-effective. Comparison of your top options is one of the most important steps to find the best auto insurance in the UAE.
• Research as Per Your Emirate: If you reside in Dubai, concentrate on finding the best insurance companies in Dubai instead of the whole of UAE. This will narrow down your scope of research and make it easier to find providers specific to your area. 
• Check The CSR: Claim settlement ratio should always be considered before buying an auto protection plan from any particular provider. While you are at it, also find out what kind of claims get rejected or denied the most by the provider. This will give you important insights into the transparency policy of the insurance provider as well.
• Examine the Coverage: Evaluate the coverage of your auto insurance plan well and see if it includes everything you need. Get a few add-ons if necessary and find the best possible comprehensive plan for your car.

2. Shield Against Third-Party Lawsuits

The biggest financial setback you can get after an accident is third-party liability claims. If you have caused the accident and do not have a protection plan to cover the damages, the complete responsibility will fall upon you. You will not only have to carry the repairs for your vehicle but may also have to pay up third-party claims for vehicular damages and injuries. A good car insurance Dubai can save you from this problem at the least. 

3. Better Financial Stability

Having auto insurance at the best price rely upon grants you better stability when it comes to managing finances from Policybazaar. If you are at fault in an accident, your auto insurance online or offline will cover the damages incurred by your vehicle as well as the third-party liabilities. Whereas, if the other driver is at fault, the damages will be covered by the insurance provider of the other driver. In addition to that, your protection plan may also offer a helping hand if the other driver is underinsured or uninsured. Hence, saving you from most possible scenarios. 

4. Cover Against Loss or Theft of Vehicle

Another great benefit of having a car protection plan is that you will be covered against theft as well as complete loss of your vehicle. This means if your car happens to get stolen or meets total loss after an accident, the insurance company will reimburse you for the current market value of the car.

2. Age of the Driver

Younger drivers cause more accidents statistically. This leads to higher auto insurance prices when younger drivers are included in the picture. Significantly older drivers also represent the same trend of increased accidents and can inspire higher car policy prices. The simple calculation here is that more experienced drivers who are statistically less inclined to cause accidents get comparatively lesser prices in their insurance plan. 

3. Driving Record and Habits of the Driver 

A good driving record in the UAE will earn you discounts on your auto insurance price while a bad one can jack it up pretty quickly. Your driving records are accessible by your auto insurance provider. A good driving record will show that you are a low-risk driver. This makes insurance companies lower their plan price or offer a discount. The opposite happens when you are a high-risk driver. The car insurance( تأمين السيارة) companies have to increase the price of the premium to manage the higher level of risk that auto insurance companies take on. So, maintaining a good driving record becomes one of the ways to find the best car insurance UAE.

4. Current Market Price of the Car

Newer cars with higher market value or price attract equally high insurance prices. The reason here is that when an insurance company insures an expensive vehicle and pays for the repairs, it costs them equally higher. The lower market price of the car would mean significantly cheaper car protection because the insured declared value of the plan will go down simultaneously. 

5. Claim History of the Car

If you are the second owner of your car, you may have to check the claim history of the car when you buy it. If the previous owner of the car has made a lot of claims in the past, insurance companies may sell offer the new motor insurance plan at an increased price. The more claims you make against a policy, the higher risk your vehicle is considered for the insurance company. This is why the price of insurance plans increases several folds when the claim history is laden with several small and big claims. 

6. Road Accident History of the Car 

Yet again, a car that has been involved in a lot of road accidents is susceptible to get higher auto insurance premiums. The reason remains the same – it is branded as a high-risk vehicle to insure for any insurance company out there. When a vehicle or a driver has a bad accident or traffic violation record, they become a liability to the insurance company. Hence, the premium increases when the owner sets out to buy or renew the plan every year. 

7. Type and Coverage of the Insurance Plan 

Unrelated to the car or the driver-owner, the price of your auto insurance premium will also be influenced by the kind of services and benefits you opt for. As a thumb rule, a more comprehensive auto insurance plan would be more expensive than its basic counterpart. On top of that, if you go ahead and include a few add-ons or riders on it, the premium further increases. 

8. Deductible

When you choose to take higher amounts of deductibles with your car insurance UAE, the premium is lowered significantly and vice versa. The deductible is the amount that the policyholder pays out-of-pocket whenever a claim against the auto protection plan is submitted. The insurance company covers whatever cost remains after the payment of deductibles. This lowers the risk for insurance companies and hence the premium is lowered as a result. 

9. Available Promotions and Discounts

Just like any other type of business out there, auto insurance companies keep rolling out promotions and special discounts. Some of these can be anniversary deals, festival bonuses, good driving discounts or simply online purchasing discounts. Depending on what you can score, your premium can go or higher. The way to find best car insurance Dubai is to scan such discounts and compare insurance quotes properly before buying

Benefits of Buying Car Insurance Online in UAE

Ways to Find the cheaper cover & best car insurance deals in Dubai, UAE

Even though you have the liberty to buy your auto policy in whichever way you see fit, it is advisable to buy it online. A long list of benefits will follow your decision to buy car insurance UAE online. Given below are the top ones that you can consider:

• Ease of Shopping: Needless to say, you can not only research, compare and choose the insurance for car in dubai you like but also finalise the purchase from the comfort of your home. Buying insurance online for car is incredibly easy and convenient no matter where you are. 
• Additional Discounts: It is rare to find over-the-board discounts and car insurance offers when it comes to car policy shopping. But the situation is different when it comes to car protection plans bought online. Most auto insurance companies in Dubai and other emirates offer special discounts for online purchases specifically making it a more cost-effective shopping mode for users. 
• The convenience of Comparison: It is very difficult to compare different providers and plans when you are opting to go for offline car insurance Dubai shopping. Buying and researching for your plans online gives you an edge in finding ideal comparison tools. 
• Access to Reviews: Online shopping platforms like aggregator websites and provider websites have a platform for customers to review the services and plans. Potential customers, i.e., you, can access these reviews and find out what the service standards and plan benefits are actually like.
• 24x7 Access to Plan Details: When you buy insurance online, the complete data of your plan is available on the online database of the insurance company. You can access your plan details anytime you like by simply logging in using your customer ID.

• Personal accident cover for drivers: includes death and disability benefits
• Personal accident cover for passengers: limited to the seating capacity of the car
• Engine protection cover
• Breakdown cover: for electrical and mechanical breakdowns
• No depreciation cover: eliminates the effects of depreciation on the insured declared value
• No claim bonus retention cover: allows you to keep no claim bonus even after making one claim
• Consumables cover 
• Roadside assistance cover
• Key loss and replacement cover
• Tyre replacement cover
• Accessories protection cover: for both electric and non-electric accessories
• Personal belonging theft cover
• Courtesy car cover
• Off-road cover for off-road driving of 4x4 vehicles like SUVs
• Geographical extension cover
• Return to invoice cover

What to do After a Car Accident in the UAE?

Follow the steps given below in case you find yourself in an accident:

• Call an ambulance immediately if someone is injured and require emergency care. If the injuries are minimal, make sure that everyone receives first aid. 
• Call the police and your car insurance company or the car insurance broker immediately if you are in the position to do so. 
• Record the events of the accident in your own words too. Take photographic evidence of the site and note down the names of the people involved. Note down the license plate number of the cars involved as well. 
• Call the roadside assistance service of your auto insurance company and get the towing assistance you need. If the vehicle can be driven, drive it to the nearest workshop or the one assigned to you. 
• Submit the claim for your insurance for car in dubai once you have recuperated as per the aforementioned steps.
• Keep track of your repairs and make sure that everything finishes up smoothly with your car insurance Dubai. 

Remember that the renewal process can differ a little bit for every provider. But the basics remain the same. Make sure that you read any additional information available for the renewal of your auto insurance plan. You can contact the provider to get a better idea.

Consider Before Renewing Car Insurance Dubai

• Re-evaluate Your Needs: Your vehicle insurance needs are bound to change after a few years of owning the car. You may not need a lot of benefits you had before or may require different ones. Re-think what your car needs and customise the plan when the renewal for the plan is due. 
• Compare Auto Insurance Quotes: Get a few vehicle insurance quotations online and compare them. Comparing insurance quotes will help in choosing a cost-effective & best car insurance deals in UAE. 
• Take or Leave Add-Ons: Curate your car insurance Dubai using the add-ons. Take or leave a few as per your needs. 
• Explore for Better Options: Check out which are the best car insurance companies in Dubai currently and see if you would like to switch. Auto insurance companies in the UAE often roll out promotional discounts as well. See if there is something that can further benefit you and help in getting the cheapest car insurance Dubai, UAE. 
• Conduct Area-Specific Research: Try and find out the best auto insurance companies in the UAE and the plans in the emirate you live. Search using keywords like best auto insurance in Ajman or Dubai to get area-specific results.

Car Insurance Dubai Guide