Mercedes Car Insurance

With UAE traffic laws stipulating car insurance as ‘mandatory’ (as well as the costs involved in repairing the car in case of any damage), it is advisable to get your car secured with insurance. In that light, let’s check out Mercedes car insurance in the UAE and all the key details related to it.

Type of Mercedes Car Insurance

One can find mainly two types of car insurance available in the UAE, namely comprehensive and third-party liability car insurance. With a comprehensive insurance plan, the insured individual as well as the third person receives full coverage for car damage and injuries caused due to an accident. On the other hand, a third-party insurance policy offers coverage only to the third party when the policyholder causes them damage due to driving.

The Premiums of Car Insurance for Mercedes Cars

Let’s have a look at the Mercedes insurance quotes for some top models of 2023.

Mercedes- Benz CLA Class

Variant: CLA 45 S AMG 2.0L

Insurance Provider	Type of Insurance	Excess Amount
Alliance Insurance (Agency)	Comprehensive	AED 750
Al Sagr (Garage)	Comprehensive	AED 1,200
Aman Insurance (Standard Agency)	Comprehensive	AED 1,200
Orient Insurance (Gold Agency)	Comprehensive	AED 1,200
Al Wathba (Agency)	Comprehensive	AED 1,200
Adamjee Insurance	Third-Party Liability	NA
Oriental Insurance	Third-Party Liability	NA
Al Sagr Insurance	Third-Party Liability	NA

Inclusions, Exclusions, and Add-Ons

Here are the primary inclusions and exclusions of the mentioned car insurance plans for this specific BMW car:

Alliance Insurance (Agency)

Inclusions

• Third-party damage limit - up to AED 2 million
• Third-party liability - UAE only
• Damage to your vehicle - UAE only
• Loss of personal belongings - up to AED 2,000
• Windscreen damage cover
• Emergency medical expenses - up to AED 2,000
• Ambulance service
• Agency repair
• Fire and theft cover

Exclusions 

• Off road cover
• Car registration service

Add-Ons

• Personal accident cover for driver - limit up to AED 200,000
• Personal accident cover for passengers - limit up to AED 200,000
• Natural calamity cover
• Oman cover - own damage only
• Roadside assistance

Al Sagr (Garage)

Inclusions

• Third-party damage limit - up to AED 2 million
• Third-party liability - UAE only
• Damage to your vehicle - UAE only
• Windscreen damage - up to AED 2000
• Emergency medical expenses - up to AED 2000

Exclusions 

• Agency repair

Add-Ons

• Personal accident cover for passenger- limit up to AED 200,000
• Natural calamity cover
• Oman cover - own damage included
• Roadside assistance

Aman Insurance (Standard Agency)

Inclusions

• Third-party damage limit - up to AED 2 million
• Third-party liability - UAE only
• Damage to your vehicle - UAE only
• Windscreen damage cover
• Agency repair
• Lock replacement

Exclusions

• Damages due to strikes and riots
• Ambulance service
• Loss of personal belongings
• Emergency medical expenses
• No-claim discount protection
• Taxi fares
• New car replacement in case of total loss - auto gap
• Involuntary loss of employment insurance
• Off road cover
• Valet parking theft cover

Add-Ons

• Personal accident cover for passenger - limit up to AED 200,000
• Oman cover - own damage only
• Roadside assistance

Al Wathba (Agency)

Inclusions

• Third-party damage limit - up to AED 2 million
• Third-party liability - UAE only
• Damage to your own vehicle - UAE and Oman
• Loss of personal belongings - up to AED 1,000
• Windscreen excess waiver - up to AED 1,500
• Damages due to strikes and riots
• Fire and theft cover
• Ambulance service
• Car registration service
• International driving licence free
• Agency repair

Add-Ons

• Personal accident cover for driver- limit up to AED 200, 000
• Personal accident cover for passenger - limit up to AED 200,000
• Roadside assistance
• Oman cover - own damage only
• Natural calamity cover

Exclusions

• Lock replacement
• Valet parking theft cover
• Car replacement in case of total loss - auto gap
• No-claim discount protection
• Emergency medical expenses

Orient Insurance (Gold Agency)

Inclusions

• Third-party damage limit - up to AED 3.5 million
• Third-party liability - UAE and Oman
• Loss of personal belongings - up to AED 4,000
• Personal injury - up to AED 2,000
• Emergency medical expenses - up to AED 3,500
• Damages due to strikes and riots
• Ambulance service
• Windscreen damage cover
• Valet parking theft cover
• Taxi fares
• Natural calamity cover
• Roadside assistance

Exclusions

• Auto Gap - New car replacement in case there is a total loss  
• Involuntary loss of employment insurance
• Alloy wheel replacement
• Child car seats

Add-Ons

• Personal accident cover for driver – Up to AED 200,000
• Personal accident cover for passenger – Up to AED 200,000
• Replacement of Vehicle
• Natural Calamity Cover

Car Model- Mercedes Benz GLC Class

Variant: GLC 63 S AMG 4.0L (SUV Coupe)  

Insurance Provider	Type of Insurance	Excess Amount
Alliance Insurance (Agency)	Comprehensive	AED 1,000
Noor Takaful- Watania (Standard Agency)	Comprehensive	AED 1,400
Al Sagr (Garage)	Comprehensive	AED 1,200
Aman Insurance (standard agency)	Comprehensive	AED 1,400
Adamjee (agency)	Comprehensive	AED 1,400
Tokio Marine	Third-Party Liability	NA
Oriental	Third-Party Liability	NA
Adamjee	Third-Party Liability	NA

Alliance Insurance (Agency)

Inclusions

• Third-party damage limit - up to AED 2 million
• Third-party liability - UAE only
• Damage to your vehicle - UAE only
• Loss of personal belongings cover - up to AED 2,000
• Emergency medical expenses - up to AED 2,000
• Windscreen damage cover
• Ambulance service
• Agency repair
• Fire and theft cover

Add-Ons

• Personal accident cover for driver – up to AED 200,000
• Personal accident cover passenger - up to AED 200,000
• Oman cover - own damage only
• Roadside assistance
• Natural calamity cover

Exclusions

• Off road cover
• Car registration service

Noor Takaful- Watania (Standard Agency)

Inclusions

• Third-party damage limit - up to AED 2 million
• Third-party liability - UAE only
• Damage to your vehicle - UAE only
• Damages due to strikes and riots
• Ambulance service
• Agency repair
• Valet parking theft cover
• Emergency medical expenses - up to AED 2,000
• Windscreen damage - up to AED 3,000
• Lock replacement - up to AED 5,000
• Loss of personal belongings - up to AED 2,000
• New car replacement in case of total loss - auto gap up to 6 months (brand new vehicles only)

Add-Ons

• Personal accident cover for driver - up to AED 200,000
• Personal accident cover for passenger - up to AED 200,000
• Natural calamity cover
• Roadside assistance
• Replacement of vehicle

Exclusions

• Off road cover
• Off road recovery
• Involuntary loss of employment insurance

Al Sagr (Garage)

Inclusions

• Third-party damage limit - up to AED 2 million
• Third-party liability - UAE only
• Damage to your vehicle - UAE only
• Emergency medical expenses - any one accident (up to AED 2,000)
• Windscreen damage - up to AED 2,000

Add-Ons

• Personal accident cover for passenger - up to AED 200,000
• Natural calamity cover
• Roadside assistance

Exclusions

• Agency repair

Aman Insurance (Standard Agency)

Inclusions

• Third-party damage - up to AED 2 million
• Third-party liability - UAE only
• Damage to own vehicle - UAE only
• Agency repair
• Windscreen damage
• Lock replacement

Add-Ons

• Personal accident cover for passenger - up to AED 200,000
• Oman cover - own damage only
• Roadside assistance

Exclusions

• Damages due to strikes and riots
• Ambulance service
• Emergency medical expenses
• Loss of personal belongings
• Taxi fares
• New car replacement in case of total loss- auto gap
• No-claim discount protection
• Off road cover
• Valet parking theft cover
• Involuntary loss of employment insurance

Adamjee (Agency)

Inclusions

• Third-party damage - up to AED 2 million
• Third-party liability - UAE only
• Damage to own vehicle - UAE only
• Agency repair
• Fire and theft cover
• Windscreen excess waiver
• Ambulance service
• Damages due to strikes and riots

Add-Ons

• Personal accident cover for passengers - up to AED 200,000
• Natural calamity cover
• Roadside assistance

Exclusions

• Loss of personal belongings cover
• Airport pick and drop service
• Valet parking theft cover
• Emergency medical expenses
• Lock replacement
• Involuntary loss of employment insurance
• New car replacement in case of total loss - auto gap

Model: Mercedes Benz EQC

Variant: PREMIUM SUV

Insurance Provider	Type of Insurance	Excess Amount
Al Sagr Insurance (garage)	Comprehensive	AED 1,200
Oriental Insurance (agency)	Comprehensive	AED 1,200
Alliance Insurance (agency)	Comprehensive	AED 750
Orient Insurance (Gold agency)	Comprehensive	AED 1,200
Dubai National Insurance (premium agency)	Comprehensive	AED 750
Tokio Marine	Third-Party Liability	NA
Adamjee	Third-Party Liability	NA
Oriental	Third-Party Liability	NA

Al Sagr (Garage)

Inclusions 

• Third-party damage cover - up to 2 million
• Third-party liability - UAE only
• Damage to your vehicle - UAE only
• Windscreen damage cover - up to AED 2,000
• Emergency medical expenses - up to AED 2,000

Add-Ons

• Personal accident cover for passenger - limit up to AED 200,000
• Natural calamity cover
• Roadside assistance

Exclusions

• Agency repair

Oriental (Agency)

Inclusions

• Third-party damage - up to AED 2 million
• Third-party liability - UAE only
• Damage to your own vehicle - UAE and Oman
• Damages due to strikes and riots
• Loss of personal belongings - up to AED 2,000
• Windscreen damage - up to AED 3,000
• Emergency medical expenses - up to 1,500
• Ambulance service
• Valet parking theft cover
• Lock replacement
• Agency repair
• Fire and theft cover
• Off road cover – only for 4WD (separate excess of AED 2,500)

Add-Ons

• Personal accident cover for driver – maximum of AED 200,000
• Personal accident cover for passenger – maximum of AED 200,000
• Natural calamity cover

Exclusions 

• Child car seats
• Alloy wheel replacement
• Involuntary loss of employment insurance
• New car replacement in case of total loss - auto gap

Alliance (Agency)

Inclusions

• Third-party damage limit - up to AED 2 million
• Third-party liability - UAE only
• Damage to own vehicle - UAE only
• Emergency medical expenses - up to AED 2,000
• Loss of personal belongings - up to AED 2,000
• Windscreen damage cover
• Ambulance service
• Agency repair
• Fire and theft cover

Add-Ons

• Personal accident cover for passenger - up to AED 200,000
• Personal accident cover for driver - up to AED 200,000
• Natural calamity cover
• Roadside assistance
• Oman cover

Exclusions

• Car registration service
• Off road cover

Orient Insurance (Standard Agency)

Inclusions

• Third-party damage - limit up to AED 3.5 million
• Third-party liability - UAE and Oman
• Agency repair
• Windscreen damage  
• Lock replacement cover

Add-Ons

• Natural calamity cover
• Roadside assistance

Dubai National Insurance (Premium Agency)

Inclusions

• Third-party damage - up to AED 3 million
• Third-party liability - UAE only
• Damage to own vehicle - UAE and Oman
• Emergency medical expenses - up to AED 5,000
• Ambulance service - up to AED 6,770
• No-claim discount protection - up to 10% on renewal
• Windscreen damage - up to AED 3,500
• Off road cover - for 4WD only
• Taxi fares - up to AED 150
• Agency repair
• Damages due to strikes and riots

Add-Ons

• Personal accident cover for driver - up to AED 200,000
• Personal accident cover for passenger - up to AED 200,000
• Natural calamity cover
• Roadside assistance
• Oman cover- free (gold)

Exclusions

• Valet parking theft cover
• New car replacement in case of total loss - auto gap
• Involuntary loss of employment insurance
• Lock replacement
• Personal accident for employee/worker

Most UAE-based insurance companies offer add-on coverages that can be used to expand the coverage provided by the base plan. Here are some common add-on plans provided for all Mercedes models -  

• Personal accident cover for driver
• Personal accident cover for passenger
• Natural calamity cover
• Oman cover
• Roadside assistance

Why Buy Mercedes Car Insurance Policy?

As luxury cars like Mercedes can be pretty expensive to maintain and get repaired, it is beneficial to get Mercedes insurance. Numerous companies in the UAE offer excellent car insurance at affordable rates, ensuring that car owners get adequate coverage at affordable rates. Moreover, as per the country’s laws, each car owner in the UAE must have a car insurance policy.

Car Insurance for Luxury Car in UAE

Process of Car Insurance Renewal for Mercedes Cars

Mercedes car insurance renewal can be done in a few easy steps. All you need to do is visit the website of your insurance provider, log in to the portal, and navigate to the renewal section. Check for the plan that you want to renew and explore the options for the customisation of plans as well. Once you select your desired plan and add or remove the add-ons, you can complete the payment process and get a confirmation.

Mercedes Car Insurance Claim Procedure

In case your Mercedes car is damaged in an accident, here is how you can file a claim for the same with your Mercedes car insurance -  

• Inform the Police: The first step in making a claim is to inform the police about the entire incident. It is necessary to explain each detail of the event related to the injuries caused, damages incurred, and more.
• Contact Your Insurance Company: The next step is to notify your insurance provider to initiate the claim process instantly. You must inform the concerned representative about the damages caused. 
• Click Pictures for evidence: Capturing pictures or making a video of your damaged car ensures a smooth process of your car insurance claim. Even though it is not mandatory, you can keep them as proof in case any issue occurs during the process. 
• Get Done with the Paperwork: Fill out the insurance claim form available on the website of your provider and upload all the required documents as well. 

After receiving your documents, the insurance company examines them and other evidence and approves or rejects your claim. If the former is the case, the insurance provider will assign you a garage. Furthermore, the service station authorities will go through your submitted documents and verify them. Once the expenses involved in the repair of your car are confirmed, your car will be sent for reparation. 

Documents Required by Mercedes Car Insurance Claims

When submitting a claim for your Mercedes insurance, make sure to keep the below-mentioned with you -  

• Driving licence
• Vehicle registration document
• Police report
• Car modification certification (if applicable)
• Car insurance claim form

How to Buy Mercedes Insurance Online?

You can easily purchase your Mercedes car insurance via policybazaar.ae. The entire process of purchasing car insurance is hassle-free with Policybazaar UAE and involves only a few steps. You can visit policybazaar.ae and fill out the lead form with the required details in the section for car insurance.

You will be redirected to the Mercedes car insurance quotes page where you can check out all the available plans and shortlist some of them. After thoroughly comparing the shortlisted plans, you can select one of them and apply for it right away on our website.

The benefits of applying for car insurance with Policybazaar UAE are plenty. On our easy-to-scroll platform, you can access and compare the best car insurance plans from the leading providers in the UAE at the best prices, meaning that you can get the best coverage at the lowest prices with us. Moreover, we would be present for assistance at any time through our customer service team and insurance experts.

FAQs

Q1. Are Mercedes expensive to insure?

Ans: While the premiums for Mercedes insurance may prove expensive owing to the prices of the cars themselves, you can find affordable Mercedes insurance plans with the best coverages on policybazaar.ae.

Q2. What does my Mercedes insurance cover?

Ans: Several types of covers are offered by companies for Mercedes car insurance -

• Agency repair
• Ambulance service
• Emergency medical expenses
• Loss of personal belongings
• Windscreen damage

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

Ans: To explore a plethora of options before selecting one, you can visit policybazaar.ae and buy Mercedes car insurance. Alternatively, you can also opt for your provider’s website to get your car insurance done.

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