GMC Car Insurance

GMC has given some of the most popular luxury cars to the world. To name some, GMC Acadia, GMC Yukon, GMC Sierra, GMC Savana, etc. With its decision to join forces with Chevrolet in 1920, GMC started moving towards personal vehicle production. This article will cover all important aspects of GMC car insurance that every car owner must know including the purchasing process, claims, renewals and more.

GMC Car Insurance in the UAE

Car insurance is mandatory by law in the UAE for all car owners. You can purchase GMC insurance online at competitive prices with the flexibility to customize the insurance plan based on your needs. You can negotiate the best deal by comparing the benefits, features, and GMC car insurance quotes side by side on online platforms like Policybazaar.ae. You can also buy GMC car insurance through GMC dealers. Buying your GMC insurance plan online gives you an advantage of comparison to make the right choice that can provide all-inclusive coverage.

Given below are the top GMC car insurance plans 3 of the most popular GMC car models in the UAE:

Car Insurance for GMC Cars in the UAE

Buying car insurance in the UAE for GMC cars is quite convenient and easy. The GMC insurance cost in the UAE varies from insurance company to insurance company depending on various influencing factors. Generally, the premium for GMC car insurance can go up to 3.25% of the vehicle's current market value. It may also depend on the type of insurance coverage that you avail yourself of, the basic benefits, add-on benefits and many other factors. GMC car insurance policies are available online which gives you a chance to compare and make the best, most cost-efficient choice.

Types of GMC Car Insurance Plans in the UAE

Understanding the type of GMC motor insurance coverage available and the extent of coverage offered by each type of plan is essential to choosing the right plan for your car. There are mainly two types of GMC car insurance coverage available in the UAE. Let’s understand each of these types in detail.

Third-Party Liability Car Insurance

Third-party liability car insurance in the UAE is mandatory coverage for all car owners. The third-party liability car insurance policy offers coverage against the following liabilities that may arise when your car is involved in an where you, the policyholder is at fault:

• Death of or bodily injury caused to a third-party person
• Damage caused to third-party property/vehicle
• Ambulance fees (depending on the plan chosen)

Comprehensive Car Insurance

Comprehensive car insurance provides extensive coverage against third-party liabilities as well as own damages caused in an accident where you, the policyholder, are at fault. Under this policy, you can get cover for a wide range of risks. GMC comprehensive insurance provides complete financial protection against the following liabilities and types of damages:

• Third-party liability coveragethat includes death, bodily injury, and property damage caused to third-party along with ambulance cover
• Loss or damage to the insured vehicle from any unforeseen event such as road accidents, collisions, fire, theft, vandalism, and natural perils.

GMC insurance company also offers you various add-ons or additional benefits which can be used to customise and enhance the coverage of your comprehensive insurance policy. These add-on covers come at an additional cost apart from the basic premium applicable to the plan.

Why Buy GMC Insurance Policy?

Safeguarding your dream car is not only important but mandated by the law. That is why it is recommended to purchase proper comprehensive car insurance coverage for your GMC car if you need financial protection against all possible risks. Let’s take a look at some of the main reasons to buy a GMC car insurance policy:

• Car insurance, specifically third-party liability cover is a mandatory requirement as per UAE RTA law. There would be a penalty levied for not having valid insurance at all times.
• Financial implications of any unforeseen event involving your car can put you under extreme stress. Insurance is the only tool that gives you the means to cushion the financial blow of such situations.
• You will incur heavy out-of-pocket costs for repairing or replacing your GMC car if you do not have GMC car insurance.
• Car insurance offers coverage against a wide array of risks that includes not just collision but also fire, combustion, lightning, burglary, theft, etc. Insurance even covers the total loss of a car which would otherwise lead to a huge financial loss.
• Cashless claims offered by GMC insurance companies help you with financial support at the right time without any hassles.
• Additional benefits like roadside assistance, Oman extension car key replacement, gap insurance GMC, etc. can be used to enhance your plan and increase the coverage scope.

Inclusions of GMC Car Insurance Plans

A comprehensive GMC car insurance policy provides vast coverage against a wide range of risks. Let’s take a look at the benefits covered under the GMC comprehensive insurance policy:

• Death of or bodily injury caused to a third party person (includes bodily injury resulting in permanent, total, or partial temporary disabilities)
• Property and vehicular damage caused to third party
• Ambulance cover
• Accidents, accidental collision, overturn or run over resulting in personal loss or damage
• Fire, lightning, self-ignition, external explosion, or thunderbolt resulting in loss or damage to the insured vehicle
• Theft, vandalism, burglary
• Third-party’s malicious act resulting in loss or damage to the insured vehicle
• In-transit losses. This includes the transit (inclusive of the process of loading and unloading) via inland waterways, roads, inland waterways, lift or elevator, etc.
• Personal injury to owner-driver of the insured vehicle
• Emergency medical expenses cover for the policyholder
• Damages caused by riots, strikes, and civil commotion cover
• Windscreen damages cover
• Loss of personal belongings or items cover
• Natural calamity cover

Add-on Covers for GMC Car Insurance Plans

Availing of relevant add-ons is the best way to enhance your car insurance coverage or customise it as per your individual needs. Here are some of the main add-on covers or additional benefits which you can avail of at an additional premium with your GMC car insurance policy:

• Personal accident benefit: This includes owner-drivers as well as named drivers of the insured car unless excluded specifically. Personal accident cover for passengers is also available.
• Territory extension cover: This add-on extends the policy coverage to the sultanate of Oman and the other GCC countries like Saudi Arabia, Qatar, Bahrain, and Kuwait.
• Off-road cover: Loss or damage caused to your insured vehicle while being driven off-road is covered.
• Rent a car benefit: Rental cost during delayed repair for accidental damages or theft is covered.
• Roadside assistance: GMC insurance services such as off-road pull-out, accident towing service, fuel delivery service, battery boosting service, breakdown towing service, flat tire change service, local deliveries, lockout, and airport pick-up and drop-off are covered under roadside assistance.
• Gap insurance cover: Gap insurance GMC covers the difference between the remaining loan amount for your GMC car and the write-off value that you receive in the total loss settlement.

You may also get various other add-ons depending on the GMC insurance company and plan that you choose.

Exclusions of GMC Car Insurance Plans

The following are the general exclusions for most GMC car insurance policies:

• Accidents that occur outside the geographical area specified in the policy
• Losses arising from natural disasters not covered by your plan
• Invasion, warlike operations, civil war, mutiny, revolution, rebellion, and other war perils causing damages
• Nuclear perils
• Devaluation of the car due to normal wear and tear
• Mechanical and electrical breakdown
• Damage due to the use of a motor vehicle for a purpose other than the one mentioned in the policy
• Damage or loss due to violation of laws
• Damage or loss caused to the vehicle when the vehicle is being operated by a driver who is not licensed or named in the policy
• Damage caused when the vehicle is being operated by a driver under the influence of narcotics, alcohol, or other intoxicating substances
• Damages caused due to wilful intent or voluntary negligence of the driver/owner

Process of Car Insurance Renewals for GMC Cars

GMC insurance renewal process is simple, easy, and can be done online.  You can renew GMC car insurance policies online on the GMC insurance company’s official website or Policybazaar UAE. Navigate through the website to check all the GMC insurance quotes. Pick the plan that you like the best, verify all the details, fill out the application form and pay the premium to complete the process of GMC car insurance renewal.

GMC Car Insurance Claim Procedure

The GMC car insurance claim procedure is quite simple, quick, and hassle-free. Let’s take a look at the GMC car insurance claim procedure step-by-step:

1. Call the police

You must immediately call and inform the police about the incident/accident that caused damages to your or third-party vehicle. Police will carry out the initial investigation and hand over the first information report which is important for the claim process.

1. Take pictures

Pictures and videos can work as proof to support your claim. Whenever possible, you can ensure to take pictures of the incident that can be submitted as proof at the time of claim document submission.

1. Inform the GMC insurance company

Initiate the process of insurance claims by reporting the incident to your insurer immediately after contacting the police. You can report the claim through email, phone call, or online.

1. Keep the documents ready for submission

Keep all the claim-related documents ready as listed by your insurance company. Enclose are documents along with the duly filled claim form at the time of submission which you can obtain from the official provider website.

1. Claim assessment

As soon as you submit the claim document, the process of a claim settlement begins. The company would send out further instructions to you after it reviews the surveyor’s report and assesses the claim documents.

1. Claim reference number

Ensure to make note of the claim reference number sent by your car insurance company on your phone number to track the process of the claim.

1. Settlement of the claim

If all the documents are in order and correct, your claim would get approved and settled easily. You can take your car to a nearby network or agency garage for repairs after receiving the approval.

Documents Required for GMC Car Insurance Claims

Document submission is an important part of the car insurance claim procedure. Ensure to submit all the relevant documents to get your claim settled quickly without facing any rejection or delay in settlement. The following are the documents that you need to submit for GMC car insurance claims:

• GMC car insuranceclaim form (duly filled)
• Policy number
• Police first information report
• Driver’s license
• GMC car registration card
• Pictures or video proofs of the incident, if any.

Additional documents may be required depending on the type of claim that you make and the requirements of your insurance company.

How to Buy GMC Car Insurance Online?

The most convenient way of buying GMC car insurance is through Policybazaar.ae, our official website. All you need to do is go to the car insurance section and fill out the lead form. Choose ‘GMC’ as your car brand, give all the details of your car such as make, model and year, etc. along with your personal details in this form. Submit it to get GMC car insurance quotes. Browse through the various GMC car insurance quotes, and compare them on the basis of benefits offered, GMC insurance services and the cost to choose the best suitable plan. Fill out the application form, submit all documents and pay the premium to purchase your plan.  

Why Buy from Policybazaar.ae?

Purchasing your GMC car insurance from Policybazaar.ae comes with an array of benefits. Let’s cover a few of them quickly:

• Highly cost-effective comprehensive and third-party liability plans from top car insurance companies in UAE.
• Secure payment platforms to eliminate transaction fraud.
• Exclusive discounts and deals running throughout the year.
• In-house experts always available to guide you through insurance purchasing process.
• 24x7 prompt customer support to solve all your queries in real-time.

Given below are some frequently asked questions about GMC car insurance plans by other car owners in the emirates. Let’s take a look:

Frequently Asked Questions

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

Ans: You can get GMC car insurance policies in the UAE at a lucrative rate of premium, especially when you buy them online. Most basic GMC car insurance plans cost 2% to 4% of the market value of your car at the time.

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

Ans: GMC car insurance coverage in the UAE stays valid for 12 months. Additional validity of 1 month is offered as a grace period. The renewals shall be done before the grace period ends.

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

Ans: You can buy GMC insurance coverage at Policybazaar.ae. Buying online helps you compare, customize and buy the best suitable insurance coverage for your GMC car. Alternatively, you can also purchase your plans form the provider website or a branch office.

Q4. How is the GMC car insurance price calculated?

Ans: The GMC insurance cost is calculated based on various factors such as the insured declared value of the vehicle, city of registration, car model, year of building, claim history, driver’s performance, etc. The calculation of price may vary from insurance company to insurance company.

Q5. Should I purchase insurance from GMC tie-up insurance companies?

Ans: GMC tie-up insurance companies can offer you extensive and tailor-made coverage suitable for your GMC car at a competitive price online. You can find plans from such providers at Policybazaar.ae easily.

Policybazaar UAE – Helping you navigate the wilderness of the insurance world!