Heavy Truck Insurance in UAE, Dubai

What is Heavy Truck Insurance in UAE?

Heavy truck insurance is a commercial vehicle insurance type that financially protects large vehicles used for goods delivery, transporting construction materials, doing construction or logistics. It covers financial losses arising from accidents, theft, fire, or third-party liabilities involving heavy trucks.

In the UAE, heavy trucks generally refer to high-capacity vehicles such as trailers, dump trucks, and transporters used in manufacturing, construction, and logistics sectors. These vehicles operate under stringent government regulations, and obtaining insurance is a legal requirement to ensure operational safety and compliance while transporting goods.

Given their size, load, and extensive road usage, heavy trucks are exposed to higher risks and potential damages that make this coverage mandatory for every business using these vehicles.

Why Do You Need Commercial Heavy Truck Insurance?

Commercial heavy truck insurance is required in the UAE for the following reasons:

• Legal Requirement- It’s legally required to insure both personal and commercial vehicles, including heavy trucks, in the UAE.
• Financial Protection- Heavy trucks are more prone to damage and have higher repair costs. This insurance protects the owner from large financial losses caused by accidents, theft, or damage.
• Third-Party Liability Coverage- It covers the cost of damages or injuries caused to another person or vehicle/property if you cause an accident.
• Business Continuity- If you are in the delivery business or logistics, heavy truck insurance ensures that repair or replacement costs don’t disrupt operations, maintaining consistent business performance.

What is Covered in Commercial Heavy Truck Insurance?

You can enjoy the following coverages while getting the right coverage for your vehicle from heavy truck insurance companies:

✅ Covers repairs or replacement of the damaged truck in case of accidents or collisions

✅ Protects against losses due to fire, explosion, or theft

✅ Covers injury, death, or property damage to third parties

✅ Provides coverage against damages from natural calamities, such as earthquakes, floods, and storms

✅ Many plans offer compensation for drivers or passengers in case of injury or death

What is Not Covered in Commercial Heavy Truck Insurance? 

While getting commercial motor insurance for your heavy-duty truck, make sure to review the exclusions. Some of the common exclusions are listed here:

❌ Damages or accidents caused under the influence of alcohol or drugs

❌ Driving without a valid license

❌ Mechanical or electrical breakdowns

❌ Wear and tear or depreciation of truck parts

❌ Usage outside the policy’s geographic or commercial limits

❌ Unapproved modifications or overloading of the truck

Who Should Buy Commercial Heavy Truck Insurance?

This business insurance is suitable for -

• Companies that own and lend heavy trucks to other businesses for transporting goods and materials
• Trucks used for courier and logistics services
• Companies or construction companies that use vehicles like bulldozers and cranes

What are the Types of Heavy Truck Insurance in the UAE?

There are two major types of commercial vehicle insurance for heavy trucks: third-party liability and comprehensive insurance. Tabled below are the key features of the following coverages: 

You can choose between these coverage options based on your business requirements, the nature of your business, and your budget. While third-party insurance ensures legal compliance at a lower cost, comprehensive coverage offers broader protection for companies that want to safeguard their heavy trucks and, eventually, their overall business.  

How to Buy Commercial Heavy Truck Insurance Online?

It’s easy to buy commercial heavy truck insurance with Policybazaar.ae. Here are the simple steps you need to follow:

• Visit the website of Policybazaar.ae
• Click on the ‘Business Insurance' option on the homepage
• Choose ‘Commercial Motor Insurance’
• Fill out the lead form by entering the required details 
• Apply, and soon you will get a call from one of our representatives to guide you further

You will get a variety of insurance options from the leading insurers in the UAE. We allow you to compare and choose the best one that secures you and your vehicle completely.

What are the Factors Affecting the Cost of Heavy Truck Insurance in the UAE?

The cost of heavy truck insurance in the UAE depends on several factors related to the vehicle, driver, and business operations. Understanding these helps you estimate premiums more accurately and choose the right coverage.

• Vehicle Type: Larger or high-value trucks generally cost higher premiums due to increased repair or replacement costs.
• Truck Usage: Trucks used for long-distance transport, construction, or heavy-duty work face greater risk exposure, resulting in higher insurance premiums.
• Claim History: A business or driver with a history of claims may be charged a higher premium due to perceived risk.
• Scope of Coverage: Comprehensive policies cost more than third-party insurance plans as they provide broader protection. Additionally, if you choose add-ons, you may pay more.
• Location: Operating in high-traffic or accident-prone areas can increase the insurance cost for your heavy truck.

Frequently Asked Questions