Car Insurance for MPV in UAE

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Car insurance in the UAE serves as more than just a legal necessity — it stands as the ultimate financial protection for your car. Considering the uncertainties of road conditions and potential hazards, securing the appropriate coverage becomes indispensable in terms of a financial safety net against mishaps, theft, and damages. Throughout the country, various insurance providers present a range of car insurance options tailored to distinct car makes and models.

Irrespective of whether you are a daily commuter or an intermittent driver, keeping yourself updated with the UAE car insurance market and its associated particulars effectively allows you to make well-informed decisions. This, in turn, guarantees higher security for both you and your vehicle.

  • Comprehensive
  • Third Party
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.

In this article, we will specifically discuss MPV car insurance, highlighting its significance, varieties, and fundamental plan inclusions, and offer a plethora of insights.

What is the Significance of MPV Car Insurance?

Wondering why is it important to have car insurance in UAE? Here are a few reasons -

  • Car insurance is compulsory in the UAE as the government has made it mandatory for all car owners.
  • In case of car damage, you may get covered for car repair, medical treatment costs, and legal fees (if applicable).
  • You receive compensation if your car gets stolen or damaged due to fire.
  • Your car insurance also provides coverage if you are responsible for causing injuries or damages to a third-party individual or property.

How Many Types of MPV Car Insurance are Available in the UAE?

In the UAE, car insurance is majorly categorised into two types -

Comprehensive Car Insurance

In the UAE, comprehensive car insurance stands as the utmost safeguard for vehicles. It goes beyond the minimum level of coverage required in the country by providing financial protection against various circumstances such as collisions, thefts, fires, and so forth.

This type of car insurance extends its coverage beyond third-party claims and includes own vehicle expenses. For those seeking maximum security for their cars, comprehensive car insurance stands out as a preferable option.

Third-Party Car Insurance

Third-party car insurance presents the minimum coverage level required in car insurance in the UAE. If you accidentally cause damages or losses to a third-party person or their vehicle/property, this type of insurance can assist in covering the expenses arising from the resultant liabilities.

Although it doesn't cover the expenses associated with the repair of your own vehicle, it shields you from substantial liability-associated expenses in case of an unforeseen accident.

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MPV Car Insurance Coverages & Addons in UAE

The table given below enlists the general coverage features provided by car insurance companies for MPVs in the UAE -

Inclusions Exclusions Add-Ons
  • Third-Party Damage
  • Third-Party Liability
  • Damage to the Insured Vehicle
  • Loss of Personal Belongings
  • Windscreen Damage
  • Damages Due to Strikes/ Riots/ MD
  • Emergency Medical Expenses
  • Ambulance Service
  • Agency Repair
  • Off Road Cover
  • Taxi Fares
  • No Claim Discount Protection
  • Valet Parking Theft Cover
  • Lock Replacement
  • Personal Accident for Worker/ Employee
  • Involuntary Loss of Employment Insurance
  • New Car Replacement in Case of Total Loss - Auto Gap
  • Personal Accident (PA) for Driver
  • Personal Accident (PA) Cover for Passenger
  • Oman Cover
  • Replacement of Vehicle
  • Natural Calamity Cover

Is It Costly to Get Car Insurance for MPV?

Although one might assume that getting insurance for their MPV can be expensive, the reality is quite the opposite! In the UAE, a variety of options are offered by various insurance providers across different price ranges, which means that you can easily secure insurance for your MPV at reasonable prices.

The approximate premium for MPV car insurance ranges between AED 990 and AED 9,000 per annum. It’s worth mentioning that actual costs vary from person to person depending on the criteria determined by the concerned insurer.

Know the Car Insurance Cost in UAE

How to Buy MPV Car Insurance Via Policybazaar UAE?

Getting car insurance for MPV is a straightforward process when you buy a plan through our digital platform — policybazaar.ae. We have simplified the application process to help you choose your desired plan within minutes.

Here are the steps that you must follow -

  • Step1- On Policybazaar.ae, click on the ‘Insurance’ menu and choose ‘Car Insurance’. As an alternative, you can simply click on the ‘car insurance’ icon on our homepage.
  • Step2- Fill out the lead form that appears on the next page and submit it to be taken to our car insurance quotes page.
  • Step3- Read the policy wordings of each plan quoted on the page carefully.
  • Step4- Choose the plans that meet your requirements after comparing your options.
  • Step6- Follow the prompted instructions to make an application. 

Note: The policy details will be sent to your registered email ID upon successful payment. 

If you are wondering why should you consider buying MPV car insurance via Policybazaar UAE, here are the top reasons for you: 

  • With the best car insurance companies in the UAE collaborating with us, you can easily find the top car insurance plans in one place. No need to jump between multiple tabs! 
  • With our easy-to-navigate platform, you can easily browse through different plans and compare your options without any difficulty.
  • Is your MPV car insurance going to expire soon? Don’t worry, we are here to help you out! You can seamlessly renew your insurance policy through our website and continue your plan’s coverage.
  • In case you wish to switch your provider if you are not satisfied with the services offered by your current insurer, you can easily opt for a new one from our website.
  • Our customer support executives are ready to assist you with relevant guidance throughout the day. 

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What is the Claim Process for MPV Car Insurance?

Unexpected situations like accidents can always occur while you are driving. Such a mishap not only impacts your mental well-being but you incur financial loss. The expenditure for car repair and medical treatments can be expensive, while legal fees may be involved as well.

With a car insurance plan, you can get coverage for all these costs. However, you must file your MPV car insurance claim in order to get the compensation.

Here’s how you can make a claim with your car insurance plan -

  • To get a police report, visit your nearest police station and provide them with details of the incident that occurred.
  • Inform your MPV car insurance provider to initiate the claim process. Visit the provider’s official website and download the insurance claim form.
  • Accurately fill out the form and attach the documents as instructed.
  • Submit the form and await a response from your insurance provider to know whether your request has been approved.
  • Upon approval, shift your car to one of the approved list of providers.
  • The concerned officials at the car workshop will analyse the damages and create an invoice related to the reparation of the car.
  • Your car insurer will look into the invoice. The servicing of your car will start after the final approval from the provider.
How to File Your Car Insurance Claim in the UAE

Quick Tips for Buying MPV Car Insurance

At times, it can be tricky to select the ideal car insurance for MPV — there is certainly a plethora of insurance providers and plans across the country. Choosing the best plan for your car is important to ensure ultimate coverage at the best price.

To help you steer clear of all confusion, we have covered some prime tips that you must take into consideration when buying car insurance -

  • List down your preferences from most important to least. This allows you to know your requirements for MPV car insurance efficiently, which, in turn, helps you distinguish the best-suited plan for yourself accordingly.
  • Initiate your research by looking for top MPV car insurance providers. Consider multiple companies and browse their official website comprehensively. Know their history and Claim Settlement Ratio (CSR), and read customer reviews to know how reliable and trustworthy they are.
  • Make sure to shortlist multiple plans from different providers so that you find the most affordable MPV insurance plans.
  • Read the policy wording of each plan correctly so that you don’t face any issues (especially at the time of making a claim) after purchasing a plan.
  • Wisely choose your add-on plans as they can provide extra protection to your car at zero or a minimal cost.
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