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Supercars and luxury vehicles – these are some of the first attractions one thinks of while discussing Dubai. The city can be seen laden with gorgeous cars cruising around the wide roads of the emirate. While all this appears glamorous, buying and maintaining a luxury car is a task in itself. Besides taking a fortune to buy cars like Bentley and Ferrari, a significant amount is also spent on keeping them in the best possible shape. 

If it appears challenging, you can drop your worries as maintenance and repair of your beloved expensive car are where insurance steps in! This article is dedicated to examining all facts, figures, and concepts that surround Bentley insurance in the UAE. Without further ado, let’s find out all that you need to learn about Bentley insurance in the UAE. 

Features and Benefits of Bentley Insurance in The UAE

  • Cost-Effective Safety: Everyone is aware that Bentley is an expensive car. The more expensive a car, the higher its repair and maintenance costs. These repairs and general maintenance can end up costing you a fortune. Bentley insurance plans help you cover this part up to a significantly reasonable amount. So besides getting the necessary funds to cover the expensive maintenance costs, it will also be ensured that the repairs and maintenance are done by trained, qualified professionals. 
  • Easy Claim Process: While no one prefers those dents, occasionally damaging your car is not uncommon. With a proper Bentley insurance plan in place, a simple claim is all you need to repair such damage. Filing car insurance claims for your Bentley is a pretty straightforward process, with the steps involved being simple and quick. 
  • Personal Accident Cover: Bentley car insurance plans include personal accident cover, either as a basic benefit or as an option to include as an add-on. Notably, personal accident covers take care of the expenses of any accidental injuries. These plans also allow compensation in case of accidental deaths and disabilities. 
  • Comprehensive Coverage: As you can expect, all Bentley insurance covers come with a comprehensive range of benefits and covers. From own damages to third-party liabilities, from natural and man-made calamities’ damage to accidental injuries -- almost everything is covered here.  If you want, you can always choose to include add-ons or riders from the available list to your coverage. 
  • Seamless Renewals: Renewing your Bentley car insurance plan is as smooth and easy as it gets, with the whole process getting completed in a few simple steps. This is made possible by most providers and aggregators which offer a singular portal to renew Bentley car insurance plans. While going online is convenient, you can also renew your car insurance plans offline by simply visiting the branch office and having them renewed. 
  • Customisable Cover: All comprehensive Bentley insurance plans are customisable to fit your needs the best. Depending on the add-ons available with your provider, you can customise the plan as per your immediate needs. Flexibility is offered in these plans by the add-ons that can be added and removed upon every renewal, ensuring an absence of troubles in the re-evaluation of your needs. 
  • Fire and Theft Benefit: Damages caused by unannounced fires, explosions, or self-ignition can create a dire situation for car owners. Theft is yet another kind of damage that a car owner can have concerns about. Fire and theft cover both these cases so that your concerns about the financial compensation are allayed. 

Bentley Insurance Cost In The UAE

Bentley insurance cost in the UAE is set around at a decent amount when compared to the cost of the car. The Bentley insurance cost is approximately around 0.6% to 2% of the total cost of the car. For instance, if the Bentayga car is priced at around 1.3 million AED, you can buy its car insurance for between 8,000 to 9,000 AED. This pattern holds true for most sports and luxury cars. The Bentley insurance costs can go higher or lower as per the model of the car and other factors, like the car condition, age, the experience of the driver, etc. 

insurer your car

Types of Bentley Insurance Plans

Third-Party Liability Insurance: A third-party liability car insurance plan is made to cover only the damages and injuries caused to third-party vehicles and drivers respectively. This is applicable for the cases where you, as the policyholder, are at fault for causing the damages. The main aspect here is that any kind of damages and injuries that you sustain are not covered by these plans. 

Comprehensive Car Insurance: A comprehensive car insurance plan, as you can comprehend, is made to cover the damages of both the third party and the policyholder. Some of the benefits of these plans include own damage cover for damages caused by accidents, man-made and natural disasters, fire, third-party accidental damages, and theft of the car. These features make a comprehensive Bentley insurance possible by the possibility of customised add-ons. 

Inclusions Of Bentley Insurance

  • From vehicular damages to bodily injuries, death, and disability, all types of third-party liabilities are covered. 
  • Driver-owner's own vehicular damages and injuries may also be covered 
  • Damages caused by natural disasters and man-made disasters are also covered.
  • Totalled cars, or the theft of the car, is also covered by Bentley car insurance plans.
  • 24x7 roadside assistance services.
  • Personal accident cover.
  • Fire and explosion damages may also be covered.
  • Breakdown cover.

Exclusions of Bentley Insurance

  • Damages caused when the driver is under the influence of drugs.
  • Driver causing the damages when driving without a valid license.
  • Any kind of consequential damages caused to the car if not repaired in time.
  • General wear and tear of the car.
  • Damages caused by voluntary negligence of the driver.
  • Any damages caused to the car by radioactivity or nuclear explosions.
  • Any damages caused by wars or acts of wars.
  • Damages caused when using a personal car for commercial use.
insurer your car

Add-Ons Available For Bentley Insurance

  • Engine breakdown cover.
  • No claim bonus retention cover.
  • Key loss cover.
  • Windshield protection cover.
  • Off-road driving.
  • Geographical extension cover.
  • Driver personal accident cover. 
  • No-depreciation cover.
  • Passenger personal accident cover. 
  • Car accessory cover – electrical and non-electrical accessories included.
  • Courtesy replacement car.
  • Cash allowance for transportation.
Car Insurance Addons
Personal Accident Cover Agency Repair
Engine Protection Cover IDV-Insured Declared Value
No Claim Bouns Passenger Cover

Bentley Gap Insurance

Gap insurance refers to the insurance plan designed for people who finance their cars. If you have financed a Bentley, gap insurance can provide a cover until your payment of the loan amount is complete. Gap insurance is designed to cover you in case the car gets totalled before complete loan repayment and the insurance amount does not cover the remaining sum to be paid. Simply put, if a part of the loan isn’t covered completely by the insurance compensation, gap insurance covers it. This saves you from paying the remaining loan amount from your own funds. Gap insurance is especially important when expensive cars, which depreciate faster, are considered. 

Eligibility Criteria for Bentley Car Insurance

While Bentley insurance can be bought by any UAE resident or citizen, certain documentation and permits will be required. The driver-owner must hold a valid UAE driving license, while the residents must have spent at least one year in the country to buy motor insurance plans. The minimum age to buy Bentley insurance is 25 years, while the maximum age is 65 years. 

Documents Required for Bentley Insurance

    • Emirates ID of the driver-owner.
    • A copy of resident visa and passport for UAE residents.
    • Driving license of the driver-owner, valid in the UAE.
  • Car registration documents or Mulkiya.
  • Details about the car like model number, make, and year of manufacturing.
  • LPO from the bank (for financed cars).
  • Confirmation letter for GCC specifications of the car.

Filing Bentley Car Insurance Claims 

Bentley insurance claims can be generally filed online. However, the claim process can differ as per the type of claim you are filing. For example, some steps may differ for claims related to accidental damages compared to the ones related to car theft. 

Filing Bentley Insurance Accidental Claims 

  • If you are in an accident, contact the police and emergency medical services on priority. After tending to the injured first, contact your insurance provider to inform them about the accident. 
  • Give a quick account of the accident and let the provider know that you will be filing a claim for the damages.
  • If possible, record the events of the accident in detail. Take pictures, note down license plate numbers, and the names of the third-party drivers and passengers. 
  • Submit an official police report and get a copy for yourself. It will be required when you submit a claim.
  • Call roadside assistance services to help transfer your Bentley to a garage if required.
  • Prepare your claim documents to submit them. Some providers allow you to make online submissions, while others will ask you to take the offline route. 
  • Offline submissions can be done at the garage allotted to you for repairs. This will be made possible by a representative from your provider, who will be present there.
  • You can download the claim form from the official website of the provider. Alternatively, you can submit the claim form and supporting documents online if the provider website has an option. 
  • In case of offline submission, go to the garage with the complete set of documents and contact the representative from the insurance provider. The representative will examine the claim and the damages of the car. 
  • Once everything has been decided regarding the claim, damages, and repair expenses, the inspector or the representative will get approval from the provider. The repairs will begin when the approval is in. 
  • You can either pick the car on your own or ask the garage to drop it off once the repairs are done. 

Filing Bentley Insurance Theft Claims

  • Contact the police and inform them about the said theft. Get a police report of the incident as well. 
  • If only your accessories were stolen (and not the car), make a list of all the stolen accessories and have them added to the police report. It is crucial to note that the claim will not be settled for accessories that are not reported as stolen in the police report. 
  • Once you have all the supporting documents, file the claim.
  • Theft claims take a while before getting settled. First, the police will run an investigation to find your stolen Bentley or the accessories. 
  • If the stolen car or accessories are not recovered, the police department will give you a document declaring them untraceable. 
  • You will need to submit these documents to the insurance company to get the claim settlement started. 
  • Once the provider has all the required documents to start the process, they will run a check to decide the current market price of your stolen car or accessories. 
  • After that, the claim settlement amount will be decided as per the assured sum of your plan.
  • The whole claim settlement process may take up to 3-4 months. Importantly, if the car is recovered after the payment of the claim amount, it becomes the property of the provider. 

Renewal Process for Bentley Insurance 

Renewing your Bentley insurance is a matter of minutes at maximum. The process is hassle-free and can be completed from the comfort of your home. Given below are the steps that you can follow to renew your Bentley insurance online:

  • Open policybazaar.ae, or go to your provider website. Head to the renewal portal of Policybazaar UAE or the provider, and log in using your insurance plan credentials. 
  • Choose the plan you want to renew with. If you want to continue with the same plan, proceed without making any changes. Just make sure that you have chosen the insured declared value of the car here as well. 
  • Add or remove any add-ons that you want here, As you will not be able to do so after renewing the plan. 
  • Verify everything once again before proceeding towards the payment. Upload all the required scanned documents at this point. 
  • If everything is set, move on to the next step and finalise the purchase by making the payment.

Documents Required for Bentley Insurance Renewal 

  • Emirates ID of the owner-driver.
  • Registration documents of the car.
  • Valid UAE driving license of the driver-owner.
  • No claim bonus certificate, if applicable.

An additional step may be required before you make the payment – inspection. Not all cars are inspected upon insurance renewal, and neither do all providers require it. However, a general inspection may be required a few years after the car purchase. If this is the case for your car, book an appointment online from the renewal page itself. A representative from the insurance will come to your place, examine the ca, and will send the report of the inspection the same day. Upload the document within 24 hours of receiving it and finalise the renewal, as inspection results are only valid for 24 hours. 

Renewing Bentley insurance offline is another option that you can go with. The plans that have been bought offline, and are not recorded in the provider’s online records, can be renewed offline only. Simply visit a branch office of your provider and connect with a representative there. Alternatively, you can also contact your insurance agent if you have one, and let them know about your renewal requirements. Either the agent or the representative at the branch office will begin the renewal process for you. Follow the suggested process and get your plan renewed. 

One thing that you need to make sure of is that you are carrying all the required documents in physical form for your offline renewal. 

Tips to Buy the Best Bentley Car Insurance

  • Compare Plans: Finding a suitable insurance plan for your Bentley is easy but requires efforts on the research front. The ideal way to find the best Bentley car insurance plan is by setting up a comparison platform for your top options. Several insurance policies will provide you with benefits that appear similar to a great extent but have minor yet important differences. Detailed comparison of these plans is necessary to discover the best among all such potentially good options.  
  • Buy Your Insurance Online: Besides the convenience part, purchasing your insurance plans online allows you to bag some additional discounts for your insurance plans. Most providers offer online purchase discounts for their car insurance policies, while aggregators with digital marketplace like Policybazaar UAE offer better discounts for all kinds of insurance plans. 
  • Evaluate Your Needs: You may find a Bentley insurance plan comprehensive. However, while the list may look fascinating, not all benefits included in a comprehensive Bentley insurance plan will be of use to you. For instance, an off-road cover will not be of any use for you as you will probably never take your Bentley off-roading. Thus, the right way to go about buying the best Bentley car insurance is to first have a fair understanding of your requirements. 
  • Read the Fine Print: Read and understand the fine print of the policy wording of the plan that you wish to buy. Policy wordings are generally available online on all provider websites, although you can also get them from your agent if you have chosen the offline mode. Regardless of the means, ensure that you are familiar with all the terms and conditions included in the plan.
  • Know the Exclusions: Simply knowing the benefits offered by your plan offer is not enough. You should ideally strive to know the expenses, situations, circumstances, and cases where the Bentley insurance plan will not be of any help. Even checking the exclusions of your plan before buying is vital, as all of this will help you take quick and smart decisions about certain expenses related to your car. 
  • Check the Claim Settlement Ratio: Choosing a good car insurance plan extends way beyond just the plan itself. The factors for consideration also include the providers and the services offered by them. One of these services is claim settlement. As a Bentley car insurance plan holder, you must know the claim settlement ratio of the provider. This knowledge will give you an idea of how likely it is to have your claim settled if you ever need to submit it. 

FAQs

Q. Can I buy Bentley insurance online?

Ans: Yes, you can easily buy your insurance plan online from policybazaar.ae or provider websites.

Q. How much does Bentley insurance cost?

Ans: As the data suggests, your Bentley car insurance can cost up to 0.5% to 2% of the total value of the car itself. Expect the plan to cost anywhere between 8,000 and 20,000 AED.

Q. Can I add drivers to my Bentley insurance plan?

Ans: Yes, you can add named drivers to your Bentley car insurance plan.

Q. Can I have more than one insurance plan for my Bentley?

Ans: No, you can only have one car insurance plan for your Bentley.

Q. What kind of insurance plans are available in the UAE for supercars and luxury cars?

Ans: Both comprehensive and third-party car insurance plans are available in the country. However, it is advised to get comprehensive coverage for your Bentley, given the high value of the car. 

Q. Can my 18-year-old child be included in my Bentley insurance policy?

Ans: Yes, you can include your child as a named driver if they have a valid license in the UAE. 

Q. How can I file a claim for my car insurance for Bentley?

Ans: You can either file your claim online on the provider website or submit them via offline channels. 

Q. When do I need to renew my car insurance plan?

Ans: You will need to renew your Bentley insurance after every 13 months. However, as one month out of the 13-month-tenure is given as a grace period, you should ideally renew your plan after the 12th month itself. 

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