Car insurance in the UAE, more than just a legal requirement, is also a great way to financially secure your car. With a host of top-rated insurance providers in the country, you can find varying coverage options across a diverse array of providers. Irrespective of the type and model of your car, you can find excellent insurance plans for it.
In this article, we will narrow down to the ‘Hatchback’ type and take up Hatchback car insurance. We will go through some insights into mandatory requirements, coverage benefits, and factors to consider when selecting the right policy for your needs.
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
Whether you're a first-time Hatchback car owner or seeking to renew your policy, gaining a comprehensive understanding of car insurance is essential for a protected and worry-free driving experience.
What is the Importance of Hatchback Car Insurance?
Let’s understand the importance of car insurance UAE by looking into the following points -
Legal Compliance: As mentioned earlier, car insurance is a mandatory requirement in the UAE. By having a valid car insurance policy (along with other legal requirements), you can legally drive in the country.
Financial Protection: Car insurance serves as an essential financial shield since the expenses associated with repairing a damaged vehicle, covering medical treatment costs for injured parties, and handling legal fees (if applicable) can be notably high.
Liability Coverage: Having car insurance in the UAE also extends financial security if you are responsible for an accident or car damage involving a third party.
Comprehensive Coverage: In situations such as car theft, total loss, or damage due to natural disasters like floods or earthquakes, your car's repair or replacement costs can be covered by your car insurance policy.
What are the Types of Hatchback Car Insurance in UAE?
Mentioned below are the two types of car insurance for Hatchback in the UAE:
In the UAE, comprehensive car insurance represents the ultimate vehicle protection. Going beyond basic coverage, it financially protects you from losses resulting from several conditions such as collisions, thefts, fires, and natural calamities.
This type of insurance not only covers third-party claims but also caters to repairs or replacement of your car as well as medical expenses for you and your passengers. For individuals looking for high security on the roads, comprehensive car insurance is the preferred choice.
In the UAE, third-party car insurance serves as a financial safeguard against third-party liabilities. If you accidentally damage someone else's vehicle or property, or cause third-party injuries or death, this type of insurance can help you cover the costs arising from the necessary liabilities.
Third-party car insurance presents the minimum level of coverage required under car insurance UAE. While it doesn't pay for fixing your own car, it keeps you safe from incurring hefty bills in case of an accident.
Hatchback Car Insurance Coverages & Addons
Check out the table below for the common inclusions, exclusions, and add-on plans for Hatchback car insurance in the UAE -
Third Party Damage
Third Party Liability
Damage to the Insured Vehicle
Damages Due to Strikes/Riots/MD
Windscreen Excess Waiver
Loss of Personal Belongings
Fire and Theft Cover
Car Registration Service
International Driving Licence
Car Registration Service
No Claim Discount Protection
Emergency Medical Expenses
New Car Replacement in Case of Total Loss - Auto Gap
How Much Does it Cost to Insure Car Insurance for Hatchback?
Most of us might think that securing car insurance for Hatchback may be costly. However, this assumption is not accurate, as Hatchback car insurance in the UAE is remarkably affordable.
On Policybazaar UAE, you can find an array of plans from different providers with various price ranges. By obtaining a quote from our site, you can effortlessly find plans that align with your financial requirements.
Hatchback car insurance premiums typically range from AED 540 to AED 4900. It's important to note that this rate can fluctuate based on the specific plan and coverage you opt for. Additionally, there might be potential extra premiums for select add-on plans, depending on your choices.
How to Buy Car Insurance for Hatchback in the UAE?
Getting car insurance for Hatchback is a straightforward procedure with Policybazaar UAE. Our digital platform is designed to offer a plethora of conveniences, ensuring that you find the most fitting policy to financially protect your car without any hassles.
Go through the following steps to understand the complete process of buying insurance through our site -
Step1- Visit policybazaar.ae and move to the 'Insurance' drop-down section.
Step2- Opt for 'Car Insurance' and accurately fill in the lead form with the required information.
Step3- Once the form is completed, submit it to get to our car insurance quotes page.
Step4- Review the plans showcased on the page and select the one that aligns seamlessly with your needs.
Step5- Follow the steps further, as prompted, and proceed with the payment.
Note: Once the process is successful, you will receive your policy details on the registered email ID.
When you purchase car insurance for Hatchback through our platform, you can access a variety of advantages outlined below -
We have established partnerships with renowned insurance providers throughout the UAE. As a result, you can find the best car insurance plans in the country in one place.
Our website is pretty user-friendly and has an intuitive interface.
You have the flexibility to customise your existing plan as per your preferences whenever you wish.
On our platform, you can renew your car insurance plan straightforwardly.
Our dedicated customer care team is at your service 24/7. You can contact the team at any time of the day to seek guidance and assistance.
How to File a Claim for Hatchback Car Insurance?
Situations like accidents can impact you mentally as well as financially. At the same time, while such circumstances may bring anxiety, it is important to act wisely and immediately take action. Claiming your Hatchback car insurance at the earliest is necessary to get your compensation for the car damage.
The steps for filing a car insurance claim are as follows -
The initial and crucial step involves notifying your nearest police station about the incident. For the purpose of obtaining a police report, it is suggested to provide accurate details of the occurrence to the concerned officials.
Subsequently, inform your insurance company to start with the claim process. Proceed by visiting the official website of your insurance provider to download the requisite claim form.
Complete the claim form and attach the necessary documents. Make sure to adhere to the guidelines concerning document size and format.
Submit the duly filled form along with the uploaded documents.
Now, await a response from your insurer. Upon approval of your application, transport your vehicle to one of the authorised mechanical workshops specified by the provider.
The relevant authorities at the car repair station will assess the extent of damage to your vehicle and create an invoice accordingly. A copy of this invoice will be forwarded to your insurance provider.
After you receive the final approval from your insurer, the servicing of your vehicle will commence.
Things to Remember Before Buying Hatchback Car Insurance
When considering the purchase of car insurance for Hatchback, it's crucial to take several factors into consideration in order to prevent errors and make well-informed choices -
The first step is to understand your car insurance requirements. Insurance companies provide a diverse range of coverage options — some of them may be essential for you while others might not be necessary.
Explore various insurance providers, assess their track records, and even go through their Claim Settlement Ratio. This can help you understand your chosen companies’ promptness (or lack of it) during claim settlement.
Make sure to consider several plans and conduct a thorough comparison to identify the most suitable option for yourself.
Prior to coming to a conclusion, it's highly recommended to carefully read through the policy details to avoid any confusion in the future.
Be careful when selecting additional riders, which offer added protection for your car at a minimal or even zero extra cost. Choose only those riders that you specifically require and take the total cost (base premium + add-on price) into consideration.