Buy Goods Carrying Vehicle Insurance Online in UAE

Goods Carrying Vehicle Insurance

Goods carrying vehicle insurance is a specialised form of commercial motor insurance in UAE. It is designed to financially protect vehicles that are used for transporting goods. With this type of insurance, you get coverage for goods carrying vehicles and any third-party liabilities arising from ...read more

What is a Goods Carrying Vehicle Insurance Policy in UAE?

Goods carrying vehicle insurance is a commercial motor insurance policy designed to cover vehicles used for transporting goods across the UAE. This policy provides financial protection against accidental damage, theft, fire, third-party liabilities, and damages caused during the movement of goods.

In the UAE, this insurance is mandatory for all commercial vehicles transporting goods, regardless of whether you operate a fleet or a single pickup. It also ensures compliance with UAE transport regulations and keeps your business operations legally protected.

Types of Vehicles Covered Under Goods Carrying Vehicle Insurance in UAE

Under goods carrying vehicle insurance, you can cover different kinds of vehicles. Here are some of them —

Pickup trucks
Light commercial vans
Heavy trucks
Trailers
Refrigerated/chiller vans
Courier and delivery vehicles
Construction and material-carrying vehicles
Mini trucks used for local cargo movements

Why Should You Buy Insurance for a Vehicle for Carrying Goods?

Businesses operating vehicles for goods transportation must consider goods carrying vehicle insurance for the following reasons —

Legal Requirement in the UAE

As mentioned earlier, you need to insure commercial vehicles to operate them legally. This cover ensures you comply with the law and avoid fines or penalties. Your vehicle needs to have third-party liability coverage in the UAE, although it’s always better to go a step ahead with a comprehensive plan.

Protection Against Accidental Damages

If your vehicle is involved in an accident, your insurance helps cover repair costs. This can save you from unexpected, high expenses.

Covers Third-Party Losses

A collision involving other vehicles or property can become costly. Your policy manages these liabilities so your business’s finances are not impacted.

Business Continuity

Repairs or replacements can stop deliveries and cause business interruption. This type of insurance helps you get back on the road faster, reducing downtime and financial disruption.

Types of Goods Carrying Vehicle Insurance in UAE

You can find two primary coverage options to insure your vehicle for carrying goods — third-party liability insurance and comprehensive insurance. Mentioned below are the key details of the policy —

Goods Carrying Vehicle Insurance Types	Specifications
Third-Part Liability Insurance	Legally mandatory Covers third-party liability, including bodily injury, vehicle and property damage Affordable premium
Comprehensive Insurance	Extensive protection Covers third party liabilities and own vehicle damage More expensive, especially if you choose additional coverage features

What is Covered and Not Covered Under Goods Carrying Vehicle Insurance?

Listed below are the key inclusions (what’s covered) and exclusions (what’s not covered) under goods carrying vehicle insurance plan —

Inclusions	Exclusions
✅ Accidents or collisions ✅ Theft or vandalism ✅ Third-party bodily injury or death ✅ Third-party property/vehicle damages ✅ Damage to own vehicle ✅ Medical expenses	❌ Regular wear and tear ❌ Driving under the influence of alcohol or drugs ❌ Civil war or nuclear damage ❌ Involvement in criminal activities ❌ Overloading and carrying illegal items

Inclusions

Exclusions

✅ Accidents or collisions

✅ Theft or vandalism

✅ Third-party bodily injury or death

✅ Third-party property/vehicle damages

✅ Damage to own vehicle

✅ Medical expenses

❌ Regular wear and tear

❌ Driving under the influence of alcohol or drugs

❌ Civil war or nuclear damage

❌ Involvement in criminal activities

❌ Overloading and carrying illegal items

Where to Buy Insurance for a Vehicle for Carrying Goods in the UAE?

On Policybazaar.ae, you can get the best goods carrying vehicle insurance plan at affordable rates. This online platform lets you compare a variety of coverages from the leading insurers. Follow these steps and get the best coverage with no hassles —

Visit the homepage of Policybazaar.ae
Choose the ‘Business Insurance’ option
Select ‘Commercial Motor Insurance’
Fill out the form with the accurate details
Click on ‘Submit’ and initiate the process

Once we get your application, one of our top experts will call you. They will guide you in choosing the right commercial motor insurance policy. We offer customised plans that cover your vehicle and fit under your budget.

How to Raise a Claim Under Goods Carrying Vehicle Insurance?

Follow these easy steps to file a goods carrying vehicle insurance claim in case of an unfortunate event —

➡️ Report the incident to the police right away and get an official report

➡️ Inform your insurance company about the incident as soon as possible

➡️ Provide all necessary details to your insurer and submit the claim form with supporting documents

➡️ After your claim is approved, the insurer will compensate for any third-party losses or damages.

Documents to Raise a Claim Against Goods Carrying Vehicle Insurance in UAE

You may have to submit the following documents while making a claim against goods carrying vehicle insurance in the UAE -

Completed claim form
Emirates ID
Police report
Driving licence
Vehicle registration document
Photos or videos as evidence of the accident (if applicable)
Final bill or repair invoice

Frequently Asked Questions

Goods carrying vehicle insurance is a commercial motor policy. Just like standard plans that cover private vehicles, this type covers vehicles that are used to transport goods. It covers damages and loss to the vehicle and third-party liabilities, ensuring safe and compliant business operations.

Goods carrying vehicle insurance costs vary based on factors like vehicle type, usage, coverage level, business risk, and insurer policies. Premiums are generally higher for heavy or commercially active vehicles in the UAE. On Policybazaar.ae, you can get the most affordable plans.

Yes, goods carrying vehicle insurance is mandatory in the UAE. Any vehicle used for transporting goods must have at least third-party liability coverage to operate legally and ensure protection against damages or injuries caused to others.

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