GCC Car Insurance Cover

This region’s environment is hot and humid, with natural occurrences like sandstorms being common there. This has a significant impact on cars, as the vehicles can face major damage when driven in this type of weather. Taking note of this, several car providers have cars specially modified for the GCC, while numerous insurance providers also have specific plans like GCC-wide car insurance

What is GCC Car Insurance Cover?

As mentioned earlier, the climate in the Middle Eastern countries tends to be harsh due to their torrid heat and windy conditions most time. This makes vehicles prone to severe damage and breaking down. To prevent this are equipped with upgraded parts Several insurance providers across the UAE provide car insurance(تأمين السيارات)  for modified (GCC) cars as well. However, know that if you do not have a GCC car, your insurance policy options will be limited.

Why Do You Need GCC Car Insurance Cover?

Having car insurance in UAE is mandatory in most Middle Eastern countries. However, besides the legalities, it is always a wise decision to get GCC car insurance to deal with unexpected car damage and repair expenses. Read on to know about the significance of GCC car insurance -

• Financial Safety: Expenses for maintaining a car can be quite high with several car models, which can require significant investment on your part. Keeping your car insured, thus, can ensure financial security as you will not have to spend much when the car needs a repair.

• Financial Support When the Car is Stolen or Damaged: Damage to your car during an event like a fire or accident or its theft can put a financial burden on you. In such situations, you can get your loss covered to a great extent. 
• Third-Party Coverage: If you do get into an accident that is your fault, the possibility of a third-party getting injured remains. However, if you opt for third-party coverage in your GCC insurance plan, it will cover the loss of the third party for both the car and the injuries.
• Medical Expenses: When an accident takes place while you are driving, there is always a possibility of medical damages besides car damages as well. In such cases, an appropriate GCC car insurance plan will not only take care of your car damage loss but also your medical needs if you get injured in the mishap.

What are the Specifications of a GCC-Specific Car?

GCC-spec vehicles are renowned for their distinctive design. They are engineered to withstand the region's rigorous and harsh weather conditions. Note that these cars have features that differ from those of imported vehicles. The specifications include–

• Strong Air Conditioning System – UAE's summer temperatures can reach 50 degrees Celsius, making it essential to have a robust air conditioning system. GCC-spec cars feature enhanced cooling systems that ensure rapid and efficient cooling, even in scorching heat. 
• Improved Dust and Sand Filtration – GCC-specific cars feature advanced filtration systems. They can effectively handle dust and sand accumulation., This prevents clogs that can compromise engine performance, even during intense sandstorms. 
• Corrosion-Resistant Coating – The metal parts of GCC cars feature corrosion-resistant materials and coatings that help reduce the chances of rusting in the coastal regions of the GCC. It tends to extend the car's longevity. 
• Better Tyres and Suspensions – Roads in the GCC can differ from smooth highways to rugged desert trails. The GCC-spec cars, for this reason, have more stable suspension and heat-resistant tyres to handle off-road trails effectively.
• Smart Engine Cooling – GCC-spec cars feature larger and more efficient radiators, which prevent the engine from overheating, ensuring the car's performance remains smooth even in extreme heat..

How to Find A Suitable GCC Car Insurance Plan for Your Car?

Below are a few points that should be kept in mind when looking for an ideal GCC car insurance -

• Conduct thorough research to find a car insurance company that covers all your requirements for a car insurance policy

• Once you find out the leading insurance providers, shortlist the ones offering the most suitable plans for the same

• Go through all their plans and compare them while considering all the primary factors. This can be easily completed on our website by continuing on policybazaar.ae and checking the ‘car insurance’ section there.

• Make sure to identify the coverages that add more value at a reasonable price. If required, you can even ask the company for add-ons or customisation.

• At last, read all the relevant terms and conditions and reach out to the concerned authority for clarification in case you have any queries

Is There an Option to Purchase a Non-GCC Car Insurance Policy?

Yes, in GCC nations, you can get car insurance coverage for a non-GCC car although the options there are finite. While none of the cars designed in Middle East countries are non-GCC, some people purchase imported cars that are not modified for the same. For such automobiles, only a few insurance companies provide non-GCC insurance. Non-modified cars have a major drawback here as insurance companies generally set a higher premium for them as they are more likely to incur damage in such conditions.

Why Should You Get a Modified Car?

Having GCC approval for your car can offer you plenty of options for a car insurance policy, with all the leading insurance companies providing GCC wide car insurance for every modified car. Such cars are also safe from disruptions due to severe weather conditions, whereas non-GCC cars exposed to harsh weather can be adversely affected. Another reason to consider going for GCC cars is that finding appropriate car parts for modified cars is way easier and more convenient than a non-GCC car.

Contact us if you have any doubts or queries related to GCC car insurance in UAE.

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