Nissan Sunny Car Insurance

Purchasing comprehensive insurance for your car is essential for full financial protection against accidents, theft, and natural disasters. A Nissan Sunny car insurance policy ensures financial security for repairs and replacement, offering peace of mind on the road. 

Find out more about Nissan Sunny auto insurance plans in the UAE!

Why Should You Buy a Sunny Car Insurance Plan?

First, we will look at the reasons to buy a Nissan Sunny insurance policy in the UAE —

• Full Protection Against Accidents - Comprehensive Nissan Sunny car insurance in Dubai and the UAE provides coverage for a range of incidents — from minor accidents to major collisions. This can keep you financially secure after an accident.
• Coverage for Natural Disasters - With frequent sandstorms and flash floods, comprehensive insurance can ensure that your car is protected from damage due to natural events. Usually available as an add-on, this rider provides confidence even in the UAE’s unpredictable weather.
• Protection from Theft and Vandalism - Comprehensive Sunny auto insurance covers costs related to car theft and vandalism. This ensures you aren’t left with the financial burden if your vehicle is targeted in such an illegal attempt.
• Glass and Windshield Coverage - Roads can be tough on windshields. Comprehensive insurance often includes glass protection, covering unexpected repairs or replacements.
• Fire Damage Protection - Rare but serious, fire damage can cause significant financial losses. However, it can be covered under comprehensive car insurance, saving you from substantial repair costs.
• Personal Accident Coverage - This coverage extends protection to you and your passengers. By covering medical expenses, it can help you financially recover after an accident.
• Roadside Assistance - Comprehensive Nissan Sunny insurance policies often include 24/7 roadside assistance. This way, you can get emergency repairs or towing and keep yourself moving across the UAE.

Best Nissan Sunny Car Insurance Policies in the UAE

Tabled below are the best Nissan Sunny motor insurance plans in Dubai along with their key coverages and features — 

Common Exclusions and Add-ons for Comprehensive Nissan Sunny Car Insurance Plans 

Having covered the inclusions, we will now discuss the common exclusions and add-ons of comprehensive Nissan Sunny insurance policies —

Exclusions

• Reckless Driving - Motor insurance generally excludes accidents caused by reckless driving such as driving under the influence, speeding, or illegal racing. To keep your coverage valid, it’s important to drive responsibly and follow traffic laws.
• Unlicenced or Underage Drivers - If an accident happens with an unlicensed or underage driver behind the wheel, your insurance may not cover it. Ensure that only licenced, authorised drivers use your car.
• Mechanical Failures and Wear and Tear - Nissan Sunny motor insurance generally doesn’t cover damage from mechanical issues or normal wear and tear like engine breakdowns or lack of maintenance. 

To prevent damages from such avoidable issues, get your car regularly serviced.

• Acts of Terrorism or War - Damages caused by acts of terrorism or war are generally not covered. Ask your insurer about additional options for these risks if needed.
• Unauthorised Vehicle Modifications - Modifying your vehicle without informing your insurer can lead to coverage exclusions. Report all modifications to ensure they’re documented.
• Intentional Accidents - Insurance won’t cover damage or loss caused intentionally or through planned accidents.
• False Information on Purchase - Claims may be rejected if the insurance company finds any false or misrepresented information provided during the policy purchase.
• Damages from Illegal Acts - Engaging in illegal activities can exclude coverage. Competitive off-road or on-road driving may also void your insurance.

Add-ons 

• Emergency Assistance - Nissan car insurance plan add-ons provide emergency roadside support. They can cover services like on-spot repairs, towing, and flat tyre repair to assist you when needed.
• Engine Protection Cover - Engine repairs can be expensive. But an engine protection add-on can cover engine damage, reducing repair costs for car owners.
• 24/7 Roadside Assistance - With this add-on, you receive round-the-clock support for emergencies — towing, refuelling, breakdown assistance, and more.
• Zero Depreciation Cover - This add-on offers coverage without factoring in car depreciation, ensuring a full claim amount for repairs.
• Key Replacement and Tyre Protection Cover - Replacing a key fob and tyre wear costs can be high. This add-on, however, covers both.
• Consumable Cover - It covers consumables like engine oil, brake oil, and power steering fluid if damaged in an accident.
• Total Loss Cover - This add-on helps cover the full replacement value if the car is completely totalled.
• Oman Extension - Expands car insurance coverage to Oman for the policyholder’s vehicle. But this excludes third-party coverage, which can be added separately.
• Personal Accident Cover - This add-on provides financial support for the insured in case of injuries, medical expenses, accidental death, and disability of the driver.

Which Factors Influence Your Nissan Car Insurance Premiums?

Check out the factors that influence your Nissan Sunny car insurance premiums —

• Driver's Age - Age is a key factor in insurance costs. Younger drivers under 25 often pay higher premiums due to a higher accident risk. Older, more experienced drivers, meanwhile, may enjoy lower rates.
• Driving Record - A clean driving record with no accidents or violations can lower your premium as it signals lower risk. On the other hand, past accidents or traffic violations increase costs.
• Vehicle Age and Condition - Older, well-maintained cars may have lower premiums. However, if a vehicle lacks safety features or frequently breaks down, the premium can increase. Large-engine cars also tend to cost more to insure.
• Location - Where you live and park can also affect Nissan Sunny car insurance costs. Higher-risk areas for accidents, theft, or, vandalism may lead to higher rates.
• Usage Frequency - Daily driving or high mileage raises premiums due to increased accident risk. Reducing mileage, whether by carpooling or limiting trips, can help.
• Insurance Coverage Type - Comprehensive Nissan Sunny insurance covers both your car and third-party liabilities. This, however, also makes it more expensive than third-party-only insurance.
• Claims History - Multiple past claims increase premiums, while a no-claims history may earn you a discount.
• Repair Type - Choosing official dealer (agency) repairs over non-agency repairs may raise costs. 

Note: Some plans offer agency repairs as a paid add-on.

• Safety and Anti-Theft Features - For cars with airbags, ABS, immobilisers, and alarms, you can enjoy lower premiums due to the reduced accident and theft risk.

How to Apply for Nissan Sunny Insurance in the UAE?

You can easily apply for Nissan Sunny insurance in the UAE on Policybazaar UAE. This online third-party aggregator hosts a wide range of motor insurance solutions from the country’s leading insurers. With Policybazaar.ae, you can look for both comprehensive and third-party products under one roof. Its straightforward user interface, meanwhile, makes the whole process — from exploring and comparing to buying — easier. 

Here are the other benefits that you can enjoy on applying for Nissan Sunny insurance from us —

• Flexibility to compare insurance plans before choosing one
• Best options from various companies under one roof
• Free access to AECB credit score
• 24/7 customer care service
• Assistance from industry experts
• Discounts and rewards 
• Timely renewal reminders

Renew Your Nissan Sunny Car Insurance via Policybazaar.ae

If you got your Nissan Sunny auto insurance plan from us, we will start sending you reminders near the renewal period. All you need to do is go to your dashboard and do the renewal!

Important: If you have an existing policy but are new to the platform, simply fill out this lead form and proceed with on-screen instructions. 

Remember, you have the option to continue with the same provider or switch to a new plan. To change providers, you would have to fill in the lead form again. 

Here are the documents needed for the renewal process —

• Copy of passport with UAE residence visa (for expats)
• Emirates ID
• Valid UAE driving licence 
• Car registration certificate (Mulkiya)
• No-claim bonus certificate (if applicable)
• Pollution test certificate

Documents to Buy a Nissan Car Insurance Plan

Here’s a list of documents needed to buy Nissan Sunny insurance —

• Valid driving licence
• Vehicle registration certificate (Mulkiya)
• Emirates ID
• Valid passport and UAE residence visa (in case of an expatriate)
• Confirmation letter for GCC-specific cars

How to File a Claim against Nissan Sunny Car Insurance Policy?

Claim Intimation

Immediately report the incident to the police and get a police report. Inform your insurer as well.For towing, contact your insurer’s 24/7 roadside assistance. Email all required documents to the insurer as listed above.

Claim Processing

• Drop-Off - Take your vehicle to the repair centre designated by the insurer or arrange for collection if included.
• Repair Estimate - The repair centre will prepare an estimate, which will be reviewed by the insurer.
• Inspection - The insurer’s surveyor will inspect and approve the repair work.
• Completion -  Once repairs are done, you’ll be notified to collect your vehicle.
• Feedback - Complete the survey sent via email.

Claim Settlement

If your vehicle is a total loss, the insurer will guide you through further steps. If the fault is yours, you may have to pay the deductible as per policy terms.

Here are the documents to file a Nissan Sunny car insurance claim —

• Police report copy 
• Copies of the vehicle registration for both vehicles
• Copies of valid driving licences of both the drivers who were involved in the accident
•  Copies of valid Emirates IDs of all the involved drivers