DIC Third Party Car Insurance

If you own a car in the UAE, you would be required to necessarily have car insurance. While third-party car insurance is the minimum requirement, you can always go for comprehensive car insurance plans.

An affordable option for DIC car insurance, this third-party car insurance plan by Dubai Insurance Company is also a popular one in the UAE. In this article, we'll provide you with a comprehensive guide to everything you need to know about DIC third party car insurance.

Third-Party Insurance vs Comprehensive Insurance

Before moving on to the salient features of DIC third-party car insurance, let’s have a look at the basic features of third-party and comprehensive car insurance plans offered by the company and understand their differences -

Third-Party Car Insurance

As the name suggests, these plans for car insurance Dubai are meant to cover third-party liabilities. Simply put, in an accident caused by you, the policyholder, this plan can cover the expenses related to third-party injuries, death, losses, damages, and more.

Here are some key points related to DIC third party car insurance -

• Covers damages caused to third-party property or individuals by your vehicle
• Typically less expensive than a comprehensive car insurance plan
• Does not cover damages or injuries caused to your own vehicle in case of an accident

Comprehensive Car Insurance

Unlike the DIC third party car insurance plan, this type of DIC car insurance covers both your own vehicle and third-party liabilities in an accident. With this plan, you can also have coverage for your vehicle in case of theft and more.

Here’s what you can expect from your comprehensive car insurance -

• Covers damages caused to third-party property or individuals by your vehicle as well as damages to your own vehicle in case of an accident
• Includes additional coverage options such as personal accident coverage and roadside assistance
• More expensive than third-party car insurance

Inclusions of DICThird Party Car Insurance Plans

Dubai Insurance Company offers third-party car insurance plans for drivers in Dubai. These plans are designed to cover damages and injuries caused to third-party property or individuals by your vehicle.

Listed below are the general features of the DIC third party car insurance plan:

• AED 2 million cover for damages to third-party property
• Coverage for passengers in line with the policy terms
• Ambulance expense cover - AED. 6,770
• Car rental covers as per policy wording - valid for up to 15 days
• Cover for third-party injuries (unlimited in accordance with the Law)

Benefits fo DIC Third Party Car Insurance

Dubai Insurance Company’s third-party car insurance plan covers the following -

• Third-Party Bodily Injuries: Covers the medical expenses of the third-party individual(s) involved in the accident in case of any injuries.
• Third-Party Property Damage: Covers the damages caused to a third-party vehicle or property such as cars or buildings.

DIC Third Party Car Insurance Exclusions

It's important to note that  DIC third-party car insurance plans do not cover damages or injuries caused to your own vehicle in case of an accident. For that, you would need to consider a comprehensive car insurance plan. Exclusions like accidents due to driving under the influence of alcohol or drugs may also apply.

DIC Third-Party Insurance Add-ons

Listed below are the add-ons usually available with the plans related to DIC third-party car insurance -

• Roadside assistance
• Oman extension
• Cover for driver and passenger

Why Buy DIC Third Party Car Insurance?

While third-party car insurance is a must-have for driving in the UAE, it’s not just a legal requirement but also an affordable way to financially protect yourself in case of an accident.

Another point to keep in mind is that third-party car insurance is significantly more affordable than comprehensive car insurance. This makes it an ideal choice for those who don’t want to spend much on car insurance along with those who have relatively old cars or don’t drive frequently.

With DIC third-party car insurance, you can drive with peace of mind knowing that your savings won’t be exhausted in case you incur third-party liabilities in an accident. The plans offered by the company are also affordable and offer high third-party coverage amounts. The company’s commitment to customer satisfaction and prompt claim resolution make it a good choice as well.

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