Possessing car insurance in the UAE is pretty important. Beyond showing legal compliance with the country’s traffic laws, you can also secure vital financial protection for your vehicle. The unforeseeable road situations amplify the significance of selecting appropriate coverage to have financial coverage against mishaps, theft, and damages.
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
With a range of insurance providers in the UAE, you can find a diverse array of car insurance options tailored to distinct car models and types. In this piece, we will focus on the crucial aspects of car insurance for Wagon, shedding light on its importance, types, coverage components, and other additional insights.
Why Is Wagon Car Insurance Important?
If you own a Wagon car in the Emirates, read the points explained below to understand why it is necessary to insure your vehicle:
Having car insurance for Wagon is necessary for compliance with legal requirements in the UAE as a Wagon owner.
You can get comprehensive financial protection for your car in case of an accident, which means that you don’t have to pay for car repair-related costs, medical treatment costs, or an applicable legal fee.
Car insurance for Wagon also covers damage to the third party if you are held responsible for the accident.
You can also get compensation in case your car is stolen or damaged due to fire.
What are the Different Types of Car Insurance for Wagons?
The two types of car insurance for Wagon plans are discussed below -
Comprehensive car insurance is an extensive coverage option that covers a wide range of risks, including damages to your own vehicle due to accidents, theft, vandalism, fire, natural disasters, and so on. This type of insurance also offers third-party liability coverage, covering expenses if you accidentally injure someone or damage their vehicle or property while driving.
With comprehensive insurance, you can have peace of mind knowing that your vehicle and financial interests are safeguarded against various unforeseen events while driving.
In the UAE, third-party car insurance presents the minimum level of motor insurance coverage. It is designed to safeguard you from legal and financial repercussions by covering expenses for injuries or damages caused to others due to your driving.
Note that this insurance does not include financial protection for your own vehicle — the plan focuses solely on the damages incurred by third parties.
Wagon Car Insurance Coverage & Addons in UAE
Have a look at the table below for all the general inclusions, exclusions, and add-ons of car insurance for Wagon -
Damage to the Insured Vehicle
Fire and Theft Cover
Off Road Cover
Valet Parking Theft Cover
Emergency Medical Expenses
Windscreen Excess Waiver
Loss of Personal Belongings
Damages Due to Strikes/ Riots/ MD
Alloy Wheel Replacement
Child Car Seat Replacement
Involuntary Loss of Employment Insurance
New Car Replacement in Case of Total Loss - Auto Gap
How Much Does it Cost to Insure Car Insurance for Wagon?
Obtaining car insurance for Wagon is not as expensive as it seems. Several providers across the country offer Wagon car insurance at pretty affordable rates Depending on the coverage features included and your personal data such as age, driving history, car details, and others, companies decide the final premium.
Generally, the cost of insuring a Wagon car may lie between AED 850 and AED 3,050. Again, it’s worth emphasising that the price may differ from the one that has been mentioned depending on the factors listed above.
How to Buy Wagon Car Insurance Through Policybazaar UAE?
With Policybazaar.ae, the whole process of buying car insurance for Wagon can be done in just a few steps from the comfort of your home.
Here’s how you can buy car insurance online from our site -
Step1- On the homepage of Policybazaar.ae, below the ‘Insurance’ menu, select ‘Car Insurance’. You can also click on the ‘car insurance’ icon directly.
Step2- Locate the lead form and fill it out to view the car insurance quotes page. Make sure to enter the correct details in this form.
Step3- Once you are taken to the quotes page, go through all the listed plans carefully.
Step4- Choose a plan and examine it carefully.
Step5- Follow the on-screen instructions to initiate the application process.
Note: After the payment is successful, a copy of your Wagon car insurance policy will be sent to your registered email ID.
A question might pop up in your mind as to why buy car insurance through Policybazaar UAE. Well, there are plenty of reasons!
With the leading insurance companies in the UAE having tie-ups with us, you can find the best motor insurance plans in one place.
Easily compare multiple plans altogether to make an informed decision.
Our customer service team is ready to guide you with your queries around the clock.
Renewing your policy is easier than ever with Policybazaar UAE. Additionally, we keep sending you notifications when your renewal due date is near so that you don’t miss on the renewal!
You can easily switch your provider at the time of renewal in case the current one doesn’t provide satisfactory services.
How to File a Claim for Wagon Car Insurance in the UAE?
Incidents such as car accidents can come your way unannounced. These mishaps not only create an emotional imbalance but stress you out financially. Although it takes time to overcome the situation mentally, you can always manage the incurred financial loss by Simply filing a claim for your Wagon car insurance.
As soon as the accident takes place, it is crucial to claim your insurance as the car repair cost, medical treatment expenses, and legal fees (if applicable) can burn a hole in your pocket. Given below is the step-by-step procedure to make a claim with your Wagon car insurance plan:
It is necessary to obtain a police report to start your claim process. Start by informing your nearest police station regarding the entire incident.
Subsequently, reach out to your Wagon car insurance provider and let them know about the accident.
Download the claim form from the official website of your insurance provider and fill it out. Attach the required documents as instructed.
Await a response from the respective officials.
Upon approval, move your car to one of the car workshops mentioned in the approved list of providers.
The authorities of the workshop will analyse the damage that occurred and create an invoice accordingly.
The invoice will be sent to your provider for final approval.
Once approved, the servicing of your car will start.
Points to Consider Before Buying Car Insurance for Wagon
Finding the right insurance plan for your car can be sometimes challenging. You may get confused as to which plans or providers to choose. On top of that, there are other several factors depending on which you decide on your provider. Some of these include the reputation of the car insurance company, customer reviews, and so on.
We have presented some crucial points to remember that will efficiently contribute to selecting the ideal policy -
Carefully assess and note down your insurance preferences. As insurance providers across the country offer different types of coverage options, you must be aware of which coverage suits your car's requirements.
Take multiple insurance companies into consideration before coming to a conclusion. Comparing different plans at the same time allows you to find a plan that meets your requirements within your budget.
Go through the policy wordings in detail. Make sure that you don’t miss reading any important information.
Don’t forget to inquire about offers and discounts on the chosen plan (if applicable).
Never provide wrong information regarding yourself or your car to the respective car insurance company.
Read customer reviews and refer to other trusted sources to know how reliable your chosen insurance provider is.
Choose your add-on plans smartly. Avoid taking add-ons that you do not require but don’t miss out on the necessary ones either.