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While most insurance providers offer 4x4 car insurance as an inclusion, some of them also offer it as an add-on cover in the policy. This article offers insights into what is a 4x4 car insurance cover, its benefits, inclusions, and exclusions.
Off-road driving is an adventure activity where you drive your vehicle on a track that is not a road. Thus, driving in mud, desert, dunes, gravels, river beds, and on rocks would be considered off-roading. Sand dune driving or dune bashing is one of the most common types of off-road driving in the UAE
Off-road car insurance cover is an add-on cover that you can opt for in your comprehensive car insurance cover. An add-on cover provides additional coverage to your vehicle for adventure activities like dune bashing and off-road driving. This add-on offers coverage in case any injury or damage occurs during the adventure.
Here are the key advantages of opting for off-road car insurance coverage in Dubai -
Before we dive into off-road car insurance, it is crucial to verify whether your current insurance policy covers off-road accidents and to what extent. To figure this out, you can do this -
Most insurance providers automatically offer 4x4 car insurance coverage in the policy in case your car has off-road features. However, you should check the same with the provider. You should also check for the extent of coverage, as some off-road insurance covers in Dubai come with restrictions like -
These factors must be taken into account before off-road driving so that your car is optimally covered against any damage.
If you have a 4WD, make sure that you are aware of all the restrictions that apply to your car insurance plan. For instance, most car insurance policies provide roadside assistance only up to a certain distance from the main road.
Listed below are the general inclusions in off-road car insurance cover -
The common exclusions of off-road car insurance cover are as follows -
If you are planning to purchase off-road car insurance coverage, make sure you check the policy to figure out the coverage restrictions.
The restrictions are generally based on the following factors -
You should also consider the extent of roadside assistance. This will help you learn how far you can be from the road to avail of roadside assistance service.
To make your off-road driving experience worthwhile, it is important that you secure the best car insurance with 4x4 coverage in the UAE. With this off-road car insurance coverage, you would be able to secure off-road roadside assistance, protection in case of natural calamity, and more for your 4x4 vehicle. However, when securing this cover, make sure to go through the policy papers thoroughly and identify the applicable restrictions.
Let’s have a look at some frequently asked questions concerning off-road car insurance coverage.
Ans. Off-road insurance in Dubai is mainly provided for 4x4 vehicles. Generally, your sedan wouldn’t be covered under this even if the policy claims to offer off-road car insurance coverage.
Ans. While you can modify your 4x4 car for off-road driving, you may need prior approval from your car insurance provider for the same. This is because off-road car insurance cover does not cover 4x4 vehicles that underwent modifications without approval.
Ans. 4x4 car insurance is generally more expensive than generic car insurance as cars under the former category have robust build and off-road functionality.
Ans. A 4-wheel drive car is specially designed for robust off-roading. It is a mechanical car with manual controls that allow you to decide when and how to increase traction in difficult terrain.