- Dubai Insurance Comprehensive Car Insurance vs Dubai Insurance Third-Party Car Insurance
- Benefits of Dubai Insurance Comprehensive Car Insurance
- Dubai Insurance Comprehensive Car Insurance Inclusions
- Dubai Insurance Comprehensive Car Insurance Exclusions
- Dubai Insurance Comprehensive Car Insurance Add-ons
- To Conclude
- FAQ's
Dubai Insurance Comprehensive Car Insurance
Dubai Insurance Company (DIN) is a leading insurance provider in the UAE. Incorporated by His Highness Late Sheikh Rashid Al Maktoum, DIN ...read more
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Dubai comprehensive car insurance is among the top options in the country if you are looking for the best car insurance Dubai. This plan covers a vast range of damages and gives you the confidence to drive around the country without worrying about repair expenses or liabilities.
Dubai Insurance Comprehensive Car Insurance vs Dubai Insurance Third-Party Car Insurance
Have a look at the table next to understand the differences between third-party and comprehensive car insurance plans of DIN -
| Dubai Third-Party Car Insurance | Dubai Comprehensive Car Insurance |
|---|---|
| It is relatively affordable and easily obtainable for most people | It can be costly as it covers both third-party and insured party’s liabilities |
| If your vehicle is damaged in an accident, you won't get coverage for your own vehicle expenses | This insurance plan covers your own vehicle as well as third-party liabilities |
| Not many options for personalisation are available | Several customisation options are available via add-ons |
Benefits of Dubai Insurance Comprehensive Car Insurance
Listed below are the benefits of the comprehensive car insurance plan offered by DIN -
- You can get roadside assistance, which generally includes battery boost, mechanical repairs, emergency fuel delivery, flat tyre, and vehicle towing.
- Ambulance charges are also covered under this comprehensive plan.
- This Dubai Insurance car insurance plan also offers agency repair, meaning that your vehicle is entitled to be repaired by the manufacturer. However, it is mostly offered for new cars only and is only valid for 2 to 3 years from the date of manufacture.
- With high third-party coverage limits, damages due to natural disasters, and others, this plan can provide you with peace of mind to drive — without stressing about car repair expenses or third-party liabilities.
Dubai Insurance Comprehensive Car Insurance Inclusions
Given below are the inclusions of car insurance Dubai by DIN -
| Cover | Silver | Gold | Platinum |
|---|---|---|---|
| Third-Party Physical Injury (unlimited according to law) | Covered | Covered | Covered |
| Rent-a-car coverage according to Standard Unified Motor Insurance Policy Wording (Not Valid for Unknown/At Fault Claim) | Up to 15 days | Up to 15 days | Up to 15 days |
| Geographical Area | UAE | UAE + Oman (Subject to possession of the Orange Card) | UAE + Oman (Subject to possession of the Orange Card) |
| Third-Party Property Damage | AED 2 million | AED 2 million | AED 2 million |
| Natural Disasters as per Standard Unified Motor Insurance Policy Wording | Covered | Covered | Covered |
| Ambulance Expenses | AED 6,770 | AED 6,770 | AED 6,770 |
| Agency Repair | Brand New Vehicle/0 km | First 2 years from Brand New/0 km | First 2 years from Brand New/0 km |
| Valet Parking — Theft Coverage | Not Covered | Covered | Covered |
| Passengers according to Standard Unified Motor Insurance Policy Wording | Covered | Covered | Covered |
| Riot, Strike, and Civil Commotion | Not Covered | Covered | Covered |
Dubai Insurance Comprehensive Car Insurance Exclusions
Listed below are the general exclusions of comprehensive car insurance Dubai -
- In case the driver had an invalid or expired driving licence or didn’t have one
- Damages incurred while driving under the influence of alcohol, drugs, or any other intoxicating substance
- Mechanical and electrical breakdown
- Damages occurred due to intentional violations of UAE laws
- Racing or vehicle testing
- Regular wear and tear
Dubai Insurance Comprehensive Car Insurance Add-ons
With the comprehensive insurance plan of DIN, you can include the following additional covers -
- Battery boost
- Lockout service
- Emergency fuel service
- Documents delivery
- Off-road help
- Towing service
Car Insurance Addons
To Conclude
Dubai comprehensive car insurance offers plenty of benefits and coverage options to vehicle owners in the UAE. As you choose this car insurance plan, you get peace of mind from the excellent coverage features of this plan.
With this comprehensive car insurance plan, you can have coverage for everything — from theft and vandalism to accidental damages. Furthermore, you can choose from a wide range of add-ons that this plan comes with to customise its coverage as per your specific requirements.
All in all, you can expect excellent financial coverage and a worry-free driving experience with this plan.
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FAQ's
Q1. Is it mandatory to have motor insurance in Dubai?
Ans: As per the UAE Roads and Traffic laws, every vehicle owner should possess a car insurance plan that has at least third-party coverage.
Q2. Is there coverage for hit-and-run accidents?
Ans: If you hold a comprehensive car insurance plan and properly follow the claim process, you can get a cover for hit-and-run.
Q3. Do I have to file a police report for windscreen damage repairs?
Ans: It is mandatory to file a police report for claim registration due to accidental damages.
Q4. Will I get a replacement when my car is under repair?
Ans: If you are not at fault in an accident, you can have a replacement car for up to 15 days. Keep in mind that if you were at fault, you would be able to avail of the facility only if a clause confirming the same was included in your plan before the accident took place.
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Reliable ServiceGetting motor insurance Dubai was a smooth experience. I compared different plans online and found one with great benefits, including roadside assistance. The customer service was excellent, and I feel confident knowing my car is protected. Definitely a great decision.
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