Daihatsu Car Insurance

Daihatsu Motor Company has been a subsidiary of Toyota Motor Corporation since 2016. Some popular Daihatsu cars available in the UAE are SIGRA, AYLA, TERIOS, etc. This piece will cover all important aspects related to Daihatsu car insurance policies including the benefits offered, exclusions and how you can buy one.

Daihatsu Car Insurance in the UAE

UAE RTA Laws have made it mandatory for vehicle owners to have third-party liability insurance coverage to ply their vehicles on the road. Depending on your unique insurance requirement, you can also avail of extensive coverage at a reasonable cost when you buy Daihatsu insurance online.

Following are a some of the top-preferred car insurance plans for most popular Daihatsu cars available in the UAE:

Car Insurance Premium for Daihatsu Cars in the UAE

Availing of the Daihatsu car insurance in the UAE is an effortless task. Daihatsu car insurance costs may vary from one insurance company to another depending on the factors they consider for price determination and the insured declared value of the car. Depending on the type of car insurance coverage you avail, Daihatsu insurance premiums may range from AED 300 to AED 2,500. You can easily get and compare Daihatsu car insurance quotes on Policybazaar.ae and find an ideally suitable plan for your Daihatsu car.

Types of Daihatsu Car Insurance Plans in the UAE

Various car insurance companies operate in the UAE to help you get proper financial protection to secure your ride. Two types of car insurance coverage are available in the UAE – third-party liability and comprehensive. Let’s take a look at both the types in a bit more detail:

Third-Party Liability Car Insurance

Third-party liability car insurance is designed to provide financial protection against third-party liabilities arising due to accidents where you are at fault. A third-party liability car insurance compensates the third party for death, bodily injury, and vehicular damages within the scope of the plan’s limits. Any damages caused to own vehicle are not covered by these plans.

Comprehensive Car Insurance Policy

A comprehensive car insurance policy provides financial protection for third-party liabilities as well as loss or damage to own vehicle. In addition to accidental damages, your Daihatsu comprehensive car insurance will also cover own damages caused by natural calamities, riots and strikes, fire, explosions, theft, etc. A Daihatsu comprehensive insurance plan can be customised using add-on covers.

Why Buy Daihatsu Insurance Policy?

Getting involved in accidents even when you are being extra careful while driving is an everyday possibility. The right car insurance policy with optimum coverage can be a great saviour in such a crisis. There are many other solid reasons to buy a Daihatsu insurance policy. Let’s take a look at some of these reasons:

• Having car insurance helps you compensate for the third-party liabilities caused by an accident you are responsible for
• UAE requires all car owners to have proper third-party liability insurance before they can take the car out on the road. Getting a comprehensive or third-party-only plan will help you fulfil this legal responsibility.
• A comprehensive car insurance policy protects against numerous perils, natural as well as man-made. This saves you from heavy out-of-pocket costs of repairing or replacing the vehicle parts.  
• Your Daihatsu comprehensive insurance plan will also cover theft of the car as well as car accessories.
• You can use add-on covers to enhance the protection scope of your Daihatsu comprehensive car insurance plan. Special add-ons like the off-road driving cover extend the coverage of your insurance plan allowing it to compensate for all accidental damages you incur while off-roading.
• All car insurance claims are cashless and can be settled at one of the network or agency garages of the plan. You can get the claim settled quickly and conveniently without any hassles.

 Inclusions of Daihatsu Insurance Plans

A standard comprehensive car insurance policy provides coverage for the following:

• Third-party liability due to vehicular damages, death, bodily injury or disability caused to third parties
• Coverage for the liabilities arising from the property damage caused to the third-party
• Ambulance services and medical transportation to hospitals
• Loss or damage to own car and its accessories due to accident, collision, run over, or turnover
• Loss or damage arising from theft, vandalism, and robbery
• Loss or damage to insured vehicle arising from external fire, explosion, spontaneous combustion, or lightning
• Loss or damage caused to the insured vehicle by the malicious act of a third-party person
• Loss or damage caused to the insured vehicle during land transport, inland water transport, lift, elevator, etc. (including loading and unloading process)
• Damages or loss due to natural calamities
• Loss or damages due to riots and strikes

Add-on Covers for Daihatsu Car Insurance Plans

Daihatsu insurance companies offer various additional benefits or add-ons that can be availed at additional premiums. These add-ons offer specific coverages that can be combined with your comprehensive car insurance policy to customise and enhance it. Let’s take a look at some important add-ons offered by car insurance companies in UAE:

• Courtesy car (cash benefit) cover: Under this add-on, the insurance company provides a courtesy car ( or cash benefit) until the insured vehicle is fully repaired and delivered back home. A limit on the maximum number of days may be specified in the policy.

• Off-road coverage: This add-on is offered for 4x4 cars designed to be driven off-road. The cover offers coverage for loss or damage caused to the insured motor vehicle while being driven off the road.

• Personal accident cover: This add-on provides coverage to the named driver and passengers within the scope of cover limits in case of death, disability or injury caused to them during an unforeseen incident involving the insured car.

• Geographical expansion cover: This add-on extends the policy coverage to geographical areas like the Sultanates of Oman and Qatar.

• Personal belongings cover: Under this add-on, the insurance company compensates for the loss of personal belongings in events such as an accident, fire, theft, etc.

• Gap insurance cover: Gap insurance Daihatsuprovides coverage for the difference between the claim settlement amount and loan amount due in case the car is declared as a total loss due to accidents or theft. New car replacement cover may be offered for brand-new cars for the initial few months.

• Roadside assistance cover: Roadside assistance add-on includes various Daihatsu insurance services such as towing service, off-road assistance, change of flat tire, etc. These can be availed 24/7 by calling the toll-free number of your insurer.

Add-ons may vary among different Daihatsu insurance companies and for different plans offered by each company. Ensure to avail of the relevant cover to stay completely protected.

Exclusions of Daihatsu Insurance Plans

The following are the general exclusions of comprehensive car insurance policies for Daihatsu cars:

• Accidents that occur outside the geographical area stipulated in the policy
• War and nuclear perils including invasion, foreign enemy hostilities, warlike operations, civil war, atomic explosions, etc.
• Indirect losses due to the devaluation of the motor vehicle by regular use
• Mechanical or electrical breakdown, breakage, or defect in electronic devices
• Losses arising from a fraudulent or criminal act
• Consequential damages
• Loss or damage caused due to the vehicle being driven under the influence of narcotic substances, drugs, or alcohol that undermine the ability to control the vehicle
• Loss or damage caused when the vehicle is being driven without a valid driver’s license
• Loss or damage caused to the vehicle when it is utilized for the speed test or race
• Willful or intentional damages caused due to negligence of the driver/owner

Process of Car Insurance Renewals for Daihatsu Cars

You can easily renew your Daihatsu car insurance online at policybazaar.ae in a few simple steps. Log on to the website and use your credentials to log into your profile. Open your profile and click on the ‘car insurance renewal’ tab. Input your existing policy details to get the Daihatsu car insurance quote for renewal. Choose a plan after careful comparison and consideration. Check the details of the policy, and make premium payments to complete the process of Daihatsu insurance renewal.

If you are a new customer on our website, use the lead form available on our main car insurance page to begin your Daihatsu car insurance renewal process. Fill in the details and submit the form to get Daihatsu insurance quotes. Choose a plan and complete the application process to renew your Daihatsu insurance policy.

You may also renew your insurance plan from the official website of the provider. If you wish to renew your Daihatsu insurance offline, you can visit one of the nearby branch offices of your provider.

Daihatsu Car Insurance Claim Procedure

Daihatsu motor insurance claim process is simple and quick. Let’s take a look at the step-by-step guide for Daihatsu car insurance claim submission:

• Call the police and insurance provider

Report the incident/accident to the police immediately and get a copy of the police report. The police report plays an important role in the claim process. Also call your insurance provider and initiate a claim. You can report the incident through a phone call, email, or online.

•  Collect proof of the incident

Whenever possible, try to collect pictures or videos of the place of the incident/accident to support your claim. These can be enclosed as proofs along with other claim documents.  

• Document submission

Submit all the necessary claim documents as per the insurance company’s checklist along with the duly filled claim form.

• Get the claim reference number

The insurance company sends you the claim reference number on your phone. This reference number can be used to track the claim status.

• Claim assessment

After the submission of documents, your Daihatsu insurance company would assess the loss via a surveyor appointed by them. Based on the surveyor’s report, the insurer would process the claim and send approval for repairs to begin.

• Settlement of the claim

Repairs are the last part of your claim settlement process which will begin after the insurance company sends approval. Take your car to a nearby network garage of your choice. Pay the due deductible amount for the claim so that repairs can begin. The rest of the expenses will be paid by the insurance company directly to the network garage.

Documents Required for Daihatsu Car Insurance Claims

It is crucial to submit all the relevant documents to ensure speedy settlement of Daihatsu car insurance claims without any delay or rejection. Let’s take a look at the documents that you need to submit for Daihatsu car insurance claims:

• Daihatsu car insurance claim form (duly filled)
• Policy number
• Driving license
• Registration card of the car
• Police report/Saaed report
• Proof of the incident (pictures or videos), if any
• Car modification certificate, if any

How to Buy Daihatsu Car Insurance Online?

All you need to do to buy your Daihatsu insurance plans is visit Policy Bazaar and open the car insurance section. fin the lead form there and fill it out using the required information. Submit the lead form to get the Daihatsu insurance quotes. Compare and choose a good Daihatsu insurance plan from the relevant options. Click on the ‘buy’ button, fill out the application form and make payment for the due premium to finalise your purchase. Once the premium is paid, the policy document will be issued instantly.

Why Buy from Policybazaar.ae?

Purchasing your Daihatsu insurance plan from policybazaar.ae comes with numerous benefits some of which are given below:

• Access to exclusive deals, discounts and offers throughout the year.
• The best car insurance prices in the market with plans from top car insurance providers in the country.
• In-house insurance experts to help you make sound decisions about your Daihatsu insurance plans.
• 24x7 customer support with prompt responses and real-time solutions for your queries.
• Secure payment platform to ensure transaction safety.

Following are some frequently asked questions about Daihatsu car insurance in UAE. Read on to know what others are asking.

Frequently Asked Questions

Q1. Is the Daihatsu car insurance policy expensive in the UAE?

Ans: Daihatsu car insurance is available online on Policybazaar UAE at a competitive price in the UAE. Buying Daihatsu insurance online will cost you around 3% to 4% of the current market price of the car. Slight fluctuations might be noticed.

Q2. When should I renew my Daihatsu car insurance policy in the UAE?

Ans: Daihatsu car insurance policies in the UAE are valid for 12 months. A 30-day-long grace period is also provided for the renewal of the policy. This means that Daihatsu car insurance plans shall be renewed every 13 months.

Q3. From where can I purchase insurance for my Daihatsu car?

Ans: You can purchase Daihatsu insurance coverage online at Policybazaar.ae. Alternatively, you can also purchase your plans from the provider’s website or a nearby branch office.

Q4. How is the Daihatsu car insurance price calculated?

Ans: The Daihatsu insurance cost is calculated by insurance companies based on various factors such as the base price of the plan, car model details, insured declared value of your car, previous claim history, driver’s performance, etc.

Q5. Is it wise to buy my insurance from Daihatsu tie-up insurance companies?

Ans: Daihatsu tie-up insurance companies offer extensive car insurance coverage at a competitive price. You may buy your insurance from these companies however, only make your final choice once you have properly compared all relevant options.

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