Salama Comprehensive Car Insurance in UAE

Salama Insurance is a well known company in the insurance sector, and offers various insurance plans like motor, travel, personal, and medical. Salama Insurance strives to provide their customers with quick claim settlements, top notch customer care, and transparency in all business activities.  ...read more

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*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.

Salama offers two kinds of motor insurance. Salama comprehensive car insurance covers car loss or damage and liability to third parties, while Salama third party car insurance is cheaper, and only covers third party damage. Policybazaar UAE will help you make the right choice when it comes to car insurance UAE. You can learn more about this policy from the competent team of experts dedicated to providing the best services.

Want to buy Salama comprehensive car insurance? Read ahead to know complete details about the policy.

Salama Comprehensive car insurance VsThird Party Car Insurance - A comparison

Salama Car Insurance offers both comprehensive car insurance as well as third party car insurance. Policyholders can purchase any, depending on the age and the monetary value of the vehicle, as well as the budget. 

Salama comprehensive car insurance provides coverage for accidents incurred to the insured vehicle along with damages caused to third parties. The third party car insurance provides coverage only for damages caused to third parties, and is a prerequisite for all vehicles in the UAE.

Confused between the two? Let us look at some comparisons.

Features Salama Comprehensive Car Insurance Salama Third Party Car Insurance
Coverage for third party property damage Up to AED 3.5 million Up to AED 3.5 million
Coverage for third party bodily damage As set by the court As set by the court
Coverage for damages to the insured vehicle Up to value of the car Not covered
Coverage for agency repairs i.e. repair of the insured vehicle at the authorised dealership 3 years Not covered
Emergency medical expensed AED 5,000 Not covered
Round the clock roadside assistance in case of vehicle breakdown, accidents, or running out of gas Covered Not covered
Coverage for loss of personal belongings Covered up to AED 5,000 Not covered
No claims discount that can be availed in the next policy year Covered Not covered
Coverage for damages caused due to natural disasters Covered Not covered
Coverage for valet parking damages Covered Not covered
Coverage if insured vehicle is driven off road Covered Not covered
Personal accident cover for the driver Up to AED 200,000 Up to AED 200,000
Personal accident cover for passengers Up to AED 200,000 Up to AED 200,000

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List of Salama Comprehensive Car Insurance Plans in UAE, Dubai

Salama comprehensive car insurance has many features. Let us explore some of these benefits:

Salama Comprehensive Car Insurance Features Add-on covers
  • Coverage for third party bodily damage 
  • Coverage for third party property damage
  • Coverage for damages or accidents of the insured vehicle
  • Coverage for damages sustained while driving in Oman
  • Coverage for damages caused due to natural calamities like floods, hurricanes, earthquakes, etc
  • Coverage for off-road driving as per the sum insured
  • Emergency medical expenses covered up to AED 5,000
  • Personal accident cover for driver of the insured vehicle up to AED 200,000
  • Personal accident cover for passengers in the insured vehicle up to AED 200,000
  • Personal belongs loss covered up to AED 5,000

Benefits of Buying Comprehensive Car Insurance from Salama Dubai, UAE

Salama comprehensive car insurance offers various benefits to the policyholder, which makes it one of the more popular motor insurances in the UAE. Some of the features are:

  • If you buy a new policy or renew an existing policy, it is hassle-free. This requires minimal documentation from the policyholder, and it can be done either online or offline. 
  • If your Salama comprehensive car insurance is nearing expiry or has expired, it can be renewed instantly and conveniently via Policybazaar UAE.
  • Our customer care team is efficient and provides round the clock services, helping policyholders in an efficient manner.
  • Policyholders can enjoy benefits of no claims bonus, if no claims have been made in the policy year. This bonus can be used at the time of policy renewal. 

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Salama Comprehensive Car Insurance - Inclusions

Salama comprehensive car insurance will cover the insured vehicle if any damages or accidents occur under any of these circumstances:

  • Any accidents or damages occurring due to collision or overturning that results in a mechanical breakdown.
  • Any damages that occur due to explosion, lightning, fire, or others.
  • Any damages sustained by the insured vehicle due to theft or burglary.
  • Any damages caused due to malicious acts of a third party.
  • Any damages caused due to loading or unloading of the insured vehicle.

Salama Comprehensive Car Insurance - Exclusions

If the insured vehicle is damaged due any of the issues mentioned below, Salama comprehensive car insurance will not provide any compensation to the policyholder. Some of these situations are:

  • Any losses that arise due to devaluation of the insured vehicle due to breakdowns, defects, or breakage of the electrical and/or mechanical equipment.
  • Any damages that arise due to overloading of the insured vehicle beyond the permissible capacity.
  • If the tyres of the insured vehicle are damaged due to normal wear and tear.
  • If the insured vehicle is damaged due to participation in racing or speed tests.
  • Any accidents or damages caused to the insured vehicle when it was being driven by an individual who does not have a driving licence, or has an invalid driving licence, has a suspended driving licence, or does not have a driving licence to drive a vehicle in the particular category.
  • Any accidents or damages that occur if the insured vehicle is used for any other reason apart from what is mentioned in the insurance policy.
  • Any accidents or damages caused to the insured vehicle when used in any criminal or illegal activity.

FAQ's

Q1. What are the documents needed to purchase Salama comprehensive car insurance?

Ans: It is very easy to buy Salama comprehensive car insurance, and individuals can do it either through our website or by visiting any Salama branch. The documents required vary from one applicant to the other, but some common documents required are:

  • Emirates ID
  • Driving Licence
  • Car registration documents
Q2. I want to make a claim against my Salama comprehensive car insurance. What is the procedure?

Ans: It is very easy to make claims against the Salama comprehensive car insurance. Follow these steps to make a claim:

  • Download the SALAMA app on your mobile phone.
  • Choose the policy under which you will be filing your motor insurance claim.
  • Upload copies of the police report, your driving licence, and vehicle’s registration card.
  • Upload a photograph of the accident and ensure that the image is clear.
  • Click on submit to complete the procedure.

You can also contact Policybazaar UAE or Salama customer care and request assistance in case of any such emergency. 

Q3. Which are the best Salama comprehensive car insurance add-ons?

Ans: Salama Car Insurance add-ons will enhance its comprehensiveness and you can opt for the following add-ons for car insurance in UAE:

  • Oman extension
  • Personal accident cover
  • Off-roading cover
  • Roadside assistance cover 

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