Lexus ES Car Insurance

Since its introduction in 1989, the Lexus's has represented the pinnacle of luxury lineups. It is packed with cutting-edge features including a pre-crash safety system, 3.5L engine, premium alloy wheels, smart entry, dual front airbags, RCTA, ventilated seats, and more. After buying this 5-seater luxury sedan, you should prioritize its protection. That’s where Lexus Car Insurance for ES model comes in- a vital safeguard against anything unexpected. Read this guide and understand how you can enhance the security of your Lexus ES and ensure your investment remains protected with the right car insurance. 

Benefits of Lexus ES Car Insurance in the UAE

The major benefits of having insurance for your car in the UAE are mentioned below: 

• Financial Protection - It protects you from financial burdens after an accident by covering the repair costs. You can focus on the car repairs rather than worrying about the out-of-pocket expenses.

• Third-Party Liability - Even if you injure someone or damage their property with your car, you can get coverage against legal liabilities. Insurers also help you in accident settlement. 

• Compliance with Law - Car insurance in UAE is mandatory to drive legally. With motor insurance, you can easily avoid fines or penalties and drive freely.

• Expect Quality Repairs - With comprehensive coverage, you don’t need to roam here and there as insurance companies are associated with many repair centres or workshops. They will allow you to get quality repairs quickly and efficiently. 

• Riders for Extensive Protection  - Adding riders or add-ons to your basic insurance plan can significantly boost your car’s protection. You can get compensation for losses due to theft or natural calamities like floods, roadside assistance and more. 

What Types of Car Insurance Policies are Available in the UAE? 

Two types of insurance policies are available for your vehicle in the UAE which are explained below: 

Third-Party Liability Coverage

It’s the basic insurance for your car, required by the UAE government. It only covers third-party damages or loss caused by your vehicle. The key specifications of third-party liability coverage are- 

• Mandatory in the UAE 
• Provides the lowest coverage for your car 
• Financial protection by covering the damage sustained by the third-party 
• Limited riders/add-ons are available 
• Affordable premiums 

Comprehensive Coverage 

It’s complete coverage for your Lexus ES as it covers third-party damage as well as your own damage. With this coverage, you can get financial assistance in various circumstances- theft, accident, vandalism and more. 

The key specifications of comprehensive coverage are- 

• Extensive coverage for your car 
• Covers a range of accidents
• Financial protection from costly repairs 
• A variety of riders/add-ons are available
• High premium 

As an owner of the luxury car, Lexus ES, it is crucial to choose your coverage wisely. For a vehicle of this caliber, comprehensive car insurance offers the best protection. You can choose the ideal plan based on your budget and requirements. 

What Does Motor Insurance Cover? 

Some of the major inclusions, exclusions, and add-ons/riders of car insurance are as follows — 

What Affects Lexus ES Car Insurance Premiums? 

Several factors are responsible for affecting the premium of vehicle insurance in the UAE, as follows: 

• Driver Profile - Young drivers typically face higher premiums due to a higher risk of accidents. Conversely, old and experienced drivers may need to pay low premiums. 

• Driving Record - If you have high fines or driving offences, your car insurance premium will be high. With a clear driving record, you can get low premiums. 

• Car Model and Condition - Lexus ES is a luxury car that typically has higher premiums due to expensive repairs. Moreover, if you own an old car, insurers will charge more for the coverage. 

• Coverage Type - It's another factor influencing the premium of your vehicle insurance. Comprehensive plans generally have higher premiums than third-party liability coverage. 

• Location - If you are living in areas with heavy traffic or high accident rates (like Dubai), your premium may increase.

• Claim History - If you are frequently making claims, you may face high premiums. Insurance companies view you as a higher risk for accidents, leading to high motor insurance premiums. 

• Additional Factors - Along with these factors, several other elements can affect your premium, such as vehicle usage, safety features, car modifications and more. 

Bonuses and Penalties

Insurance providers in the UAE often provide bonuses and penalties. You might have heard the term “No Claim Bonus.” It's a reward system offered by the insurance companies for not making a claim for the whole year. For instance, you can receive a ‘No Claim Bonus’ for not making an accident claim during the past year. With this, you can get a discount on your premiums. Contrarily, premiums might rise if you have many accidents and law violation cases. 

How to Choose the Right Car Insurance Provider? 

Choosing the right vehicle insurance provider can be a daunting task. With the help of the following tips, you can get suitable coverage from the best provider in the UAE:

• Consider your Needs - Start by understanding your needs before investing in an insurance plan. You must be aware of your car’s needs, your budget, the types of available coverages, and more. For Lexus ES, comprehensive coverage is a better option than third-party liability. 

• Compare Coverage Plans  - You can find many motor insurance plans in the UAE and it’s on you to choose the right one. Make sure to compare various quotes from the providers as they can be different based on inclusions, exclusions, add-ons, deductibles and more. 

• Credibility of the Insurer - Check the reputation of the insurer before buying a car insurance policy from them. If they have a good claim settlement ratio, it means they are credible to trust. Networked garages, cashless facilities, discounts and offers, etc. are the other factors you should consider while finalizing an insurer. 

• Determine Your Deductibles - An ideal car insurance plan offers a balance between premiums and deductibles. The deductible is the amount that you’re going to pay from your pocket to get the coverage for your car. If there's a low deductible, your premium will be high. Conversely, a high deductible means a low premium. So, choose the deductible option wisely to match your financial situation and risk tolerance. 

How to Get Car Insurance through Policybazaar UAE? 

Policybazaar.ae is the right platform to get coverage for your luxury car. You can compare motor insurance quotes from different providers and choose one that fits better for your needs. You can buy an insurance plan for your car by following these steps: 

• Step1- Select the “Car Insurance” on the home page 
• Step2- Enter the required details and complete the form
• Step3- The quote page will be displayed on your screen, allowing you to compare the plans of various providers
• Step4- Choose the most appropriate insurance for your car 

It’s done! One of our representatives will reach out to you shortly to assist with your purchase. 

Required Documents for Lexus ES Car Insurance in UAE

To buy an insurance plan for your vehicle, you need to submit the following documents: 

• Mulkiya card (if your vehicle is registered)
• Driving licence
• Copy of Emirates ID
• Additional documents, such as the engine number, chassis number, and more

How to Make a Car Insurance Claim? 

You can easily get a claim for a Lexus ES car by following the steps: 

• Report the accident to your nearest police station. 
• If possible, collect some accident evidence by clicking pictures and taking videos
• Inform your car insurance provider and start the claim process.
• Submit the required documents, including car registration, police report, driving license, etc.
• The representative will guide you further in making a claim.

Note: Car insurance companies will recommend the best repair centres or workshops to get quality repairs for your Lexus ES.