Union Comprehensive Car Insurance

Established in 1998, Union Insurance provides a comprehensive range of retail and commercial insurance products in the UAE. Headquartered in Dubai, the company hosts some of the industry's most experienced and respected professionals. They aim to offer innovative, superior-value insurance coverage, including both standard and customised policies.

If you want to buy Union comprehensive car insurance, you will be assured of high-value, reliable, and cost-effective policies that protect your financial interest from any and every mishap.

Union Comprehensive Car Insurance  Vs Third-Party Car Insurance - A comparison

Third-party liabilities and damage to the policyholder's vehicle are covered under comprehensive car insurance. Accidents, fires, theft, and other events are just a few examples of the misfortunes that might happen, but just third-party automobile insurance will not cover your financial interests in such situations, even though the UAE government mandates this policy.

However, comprehensive car insurance provides higher security. So, for a broader perspective, below is a comparison summary of the two insurance plans.

Union Insurance Comprehensive Car Insurance Plans

Benefits of Buying Comprehensive Car Insurance from Union in UAE, Dubai

Here are some of the benefits Union Insurance, one of the best comprehensive car insurance plans provider, offers to the insured:

• Agency repair service: It is one of the most sought-after features of a comprehensive car insurance plan. In case of any accidental damage, the insurer will get your car repaired through the authorised service centre of your vehicle for up to 5 years.
• No claim bonus: Receive rewards for superior driving skills and earn instant discounts on your motor insurance renewals.
• Free replacement vehicle: This provision is provided to help the customer obtain a replacement when the customer’s car is in the garage post-accident for repairs.
• Roadside assistance: Offers free roadside assistance service in the event of a mechanical or electrical breakdown or any emergency support such as airport pick-up & drop-off. 
• Free covers: Union Comprehensive car insurance plans include free replacement of car lock and Windscreen.

Policy Inclusions of Union Comprehensive Car insurance in UAE, Dubai

The Union comprehensive car insurance includes the following: 

• Damages incurred to the insured in an accident (vehicles + personal)
• Damages suffered owing to man-made disasters like strikes, riots, fire, terrorism, vandalism, etc.
• Third-party liabilities – including lawsuits and legal fees
• Car theft
• Mechanical expenses to upkeep the wear and tear of the vehicles
• Damages incurred to a third party (vehicles + personal + property)
• Damages due to natural calamities like tornados, floods, earthquakes, landslides, etc.
• Engine protector cover
• Roadside assistance for jump starts, tire changes, etc., in case of roadside emergencies
• Extended accident cover that will include passengers and paid drivers as well
• Emergency medical expenses up to policy limit
• Tire protection cover
• Consumable cover
• No Claim Bonus Protection cover

Policy exclusions of Union comprehensive car insurance

• The comprehensive car insurance by Union does not cover the following cases: 
• Damages incurred when using the vehicle for illegal activities
• Accidents are caused when driving under the influence of drugs or alcohol
• The driver does not have a valid licence or is underage
• Damages suffered in case the vehicle is used after its due usage limit
• Damages sustained during the nuclear accidents, war, etc.
• Wilful damages
• Issues due to non-maintenance of the vehicle

FAQs

Q.1 - Is there an online claim settlement facility available with Union comprehensive car insurance?

Yes, with Union Insurance, you can now submit the claim for your vehicle insurance online.

Q.2 - Is there any difference between a no claim bonus and a no claim discount?

No, there is no difference between no claim bonus and no claim discount

Q.3 - Is it possible to cancel my policy?

Yes, it is possible to cancel your vehicle insurance plan considering you have not made any claims. Moreover, you must submit the car registration card and insurance papers for this process.