Honda Civic Car Insurance

Cementing its position in the UAE automotive market, the Honda Civic proved that UAE residents highly prefer to buy ruggedly built and feature-rich cars. Despite the harsh and arid temperature, the Civic dominates the jam-packed streets with its sharp alloy wheel, i-MMD engine, and signature headlights. 

If you own a Honda Civic, you may know the importance of regular maintenance and its protection. Let’s read this article and understand how Honda Car Insurance for Civic Model helps boost your car’s protection. 

Honda Civic Car Insurance: Comprehensive vs Third-Party Liability 

When it comes to buying vehicle insurance, there are two main types- Comprehensive and Third-Party car insurance. Based on the following parameters, you can choose the right one for you: 

Parameters	Third-Party Liability Coverage	Comprehensive Coverage
Meaning	A basic requirement by the law that only covers third-party loss of vehicle and property.	It offers extensive protection to your vehicle along with the third-party liability cover.
Coverage	Covers only third-party damage of vehicle/property by the insured car	Protects the damage or loss of your car and also covers third-party liabilities
Riders Availability	Limited number of riders	More riders are available
Compulsion	Mandatory	Not mandatory
Premium	Low	High

Which option is better? This depends upon your personal needs and your pocket. If you are driving an old Honda Civic, a third-party liability may be enough for you. But if you want to provide extensive coverage for your new car, it’s recommended to buy a comprehensive car insurance plan. 

Benefits of Honda Civic Car Insurance in UAE

Insuring your car with an insurance plan benefits you in several ways as follows: 

• Mandatory by Law - All vehicles moving on the UAE roads must be insured with car insurance as it’s legally mandatory. You can comply with the law and protect yourself against hefty fines and penalties by purchasing vehicle insurance. 
• Protection Against Mishaps - Mishappenings are beyond your control, but with motor insurance, you can boost the safety of your Honda Civic. An insurance company promises to protect your car against a range of accidents, keeping you relaxed. 
• Covers Personal Injury  - Many motor insurance companies in the UAE include medical coverage if you suffer from an injury due to a car accident (some require add-ons). 
• Financial Security  - Car accidents don't only lead to personal injuries but also damage your vehicle, causing a financial burden on your pocket. You can get financial security with motor insurance as the insurance company is liable to bear the cost of repairs. 
• Get Quality Repairs - Vehicle insurance companies are networked with a number of repair centers or garages. You can expect a quality and quick repair of your Honda Civic after meeting an accident. 
• Availability of Riders - While buying Honda Civic Car Insurance, you can get the option of riders or add-ons. With this, you can enhance your car’s protection and enjoy more benefits. The common add-ons are - vehicle replacement, driver cover, roadside assistance, natural calamities, and more. 

Inclusions and Exclusions for Honda Civic Car Insurance

Here’s a closer look at what is covered or what is not in the vehicle insurance: 

Inclusions	Exclusions
Own car damage Theft or vehicle loss Vandalism Fire and explosion Third-party liability	Intentional law violation Electrical and mechanical breakdown Driving without license Driving under the influence of alcohol, drugs and narcotics General wear and tear Driving outside the covered geographical area

Add-Ons for Comprehensive Honda Civic Car Insurance

With a comprehensive car insurance plan, you can enhance the protection of your vehicle by adding the following add-ons: 

• Driver cover
• Passenger cover
• Vehicle replacement
• Roadside assistance
• Natural calamities
• Oman cover
• Dynatrade repair and more

What are the Factors Affecting Honda Civic Car Insurance Premiums? 

The cost of the vehicle insurance premium is influenced by the following factors: 

• Type of the Coverage  - Comprehensive coverage is more expensive than third-party liability as it covers your vehicle completely. 
• Car’s Age and Condition  - An aged car has a high depreciation value which means you need to pay high for the insurance of your vehicle. On the other hand, a low premium is charged for a well-maintained and new car. 
• Driver Profile  - Typically, young drivers face higher premium costs than old and experienced drivers. Young drivers are considered as more likely to meet accidents by motor insurance companies. 
• Driving Records - If you have a clear driving profile without any law violations and fines, there's a high chance that you will get affordable car insurance in UAE. 
• Claim Frequency  - This is another considerable factor by the insurance companies affecting the premium of your vehicle insurance. If you have a multiple-claim history, you may have high premiums. 
• Location  - Premium rates may differ from one place to another in the UAE. If you are living in a high-accident-prone area, your car coverage premium may increase. 
• Riders or Add-Ons - More add-ons lead to higher premiums. Riders providing additional protection to your car tend to increase the premium of the car insurance. 

Tips Don’t make claims for minor repairs. Compare the quotes before buying a plan for your car  Make sure to check the exclusions, inclusion, add-on options, tenure, and other terms of the car insurance policy.

How to Buy Honda Civic Car Insurance from Policybazaar.ae? 

Buying a car insurance policy is easy at Policybazaar.ae. Follow the steps and get the car coverage: 

• Step1- On the Policybazaar.ae website, head to the "Car Insurance" section. 
• Step2- Fill out the form with the essential details.
• Step3- You will get the most relevant motor insurance quotes. Explore them and compare the plans, including features, benefits, and more. 
• Step4- Apply for the plan that best suits your needs. 
• Step5- Our representative will call you shortly. 

Documents Required for Honda Civic Car Insurance in Dubai

You will need the following documents while applying for vehicle insurance in the UAE: 

• Driving license
• Emirates ID 
• Mulkiya card (If your Honda Civic is registered)
• Additional documents, such as engine number, chassis number, and more

Honda Civic Car Insurance Renewal Process

If your Honda Civic motor insurance is expired, you can renew it from Policybazaar.ae by following the steps below: 

• On Policybazaar.ae, log in to your account.
• Find your policy and select the renewal option.
• Pay the car insurance renewal fees and follow the further instructions.

Honda Civic Car Insurance Claim Process

It's easy to get a claim for your Honda Civic car by following the below-mentioned steps: 

• Inform the police about the accident. 
• Gather some accident evidence by clicking pictures and taking videos (if possible)
• Call the insurer reporting the accident for the claim process.
• Submit the required documents to the insurer, such as car registration, police report, driving license, etc.
• The representative from the insurance company’s side will guide you further in the claim process.

Note: Generally, the car insurance company recommends networked repair centers or workshops where you can expect faster repairs. 

How to File Your Car Insurance Claim in the UAE