Heavy Vehicle Insurance in UAE

What is Heavy Transport Vehicles Insurance?

Heavy transport vehicle insurance is designed to cover heavy vehicles used by businesses. It covers losses or damages resulting from accidents, collisions, or other unforeseen events involving insured vehicles.

Businesses rely on a wide range of vehicles in the UAE — from light commercial vans to heavy-duty trucks — to keep their operations running smoothly. As per UAE law, motor insurance is mandatory, and this requirement extends to all heavy transport vehicles as well. Companies or organisations that own such vehicles must ensure they are adequately insured to stay compliant and protect the safety of others on the road.

Industries like construction, logistics, oil and gas, and manufacturing generally use heavy-duty vehicles such as trucks, trailers, lorries, cranes, dumpers, and concrete mixers. These vehicles are built for strength and large load capacities, but their size and power also increase the risk of accidents or costly damage.

Businesses can choose between third-party liability insurance, which is the minimum legal requirement, and comprehensive coverage for broader protection against damage, theft, or other risks.

Features and Benefits of Heavy Vehicle Insurance

With commercial insurance for heavy transport vehicles, you get various features and benefits. Here are some of the major aspects -

• Insurance coverage is legally required in the UAE. Driving a vehicle without it can lead to adverse consequences — hefty fines, loss of vehicle, imprisonment, and so on. 
• It protects businesses from financial losses arising from accidents or collisions that result in costly repairs or damages.
• A heavy vehicle insurance plan covers third-party liabilities, including bodily injury, property loss, and damage.
• You can avoid business disruption with this insurance policy. It ensures your business runs smoothly in case of an accident.
• You can expand your coverage by selecting add-ons, such as roadside assistance.

What are the Types of Insurance for Heavy Transport Vehicles in UAE?

You can find two types of insurance coverage for heavy commercial vehicles —

Third-Party Liability Commercial Vehicle Insurance

It’s mandatory coverage for commercial vehicles. As the name indicates, it covers only third-party liabilities, including damage to property, vehicles, and bodily injuries. Although it doesn’t cover the loss or damage of the insured vehicles, it is quite affordable.

Comprehensive Commercial Vehicle Insurance

Comprehensive insurance for heavy vehicles offers enhanced protection to the insured vehicle, covering third-party liabilities and own truck damage. It covers a range of uncertainties, including earthquakes, floods, accidental damage, vandalism, and more. You can also club it with various add-ons for extensive protection.

What is Covered Under Heavy Transport Vehicles Insurance in UAE?

Look at the key inclusions under commercial motor insurance for heavy vehicles in the UAE —

• Bodily injury due to an accident or collision
• Loss and damages due to natural calamities like earthquakes, floods, cyclones, and more
• Loss/damage arising from theft, vandalism, and burglary
• Third-party liabilities, including property damage and bodily injury

What is Not Covered Under Heavy Transport Vehicles Insurance in UAE?

Here are the main exclusions under heavy truck transport insurance —

• Wear and tear of the commercial vehicle 
• Any loss or damage arising from the contributory negligence of the vehicle owner
• Loss and damage of the vehicle if the driver is using an invalid driving licence 
• Electrical and mechanical breakdown of the vehicle 
• If the driver is intoxicated under the influence of alcohol or drugs
• Losses or damage incurred by war and nuclear activities
• Involvement in illegal activities

Heavy Transport Vehicles Insurance Add-Ons

Just like standard motor insurance, you can find several add-ons with a commercial vehicle insurance policy for heavy transport vehicles in the UAE. Some of the key options are as follows —

• Roadside assistance 
• Agency repairs 
• Geographic extension 
• RTA registration
• Personal accident benefits 
• Loading & unloading, and more

How to Buy Insurance for Heavy Transport Vehicles?

With Policybazaar.ae, you can easily buy insurance for a heavy load transport vehicle. Find below the steps for the same —

• Hit the button below to start the process 
• Fill out the lead form with the essential information
• Submit the form — one of our experts will get back to you soon

With our help, you can understand the specific insurance requirements for your business and get the best policy without any hassle.

How to File a Heavy Transport Vehicle Insurance Claim?

Follow these steps to file a heavy vehicle insurance claim in case of an unfortunate event -

• Immediately contact the police and get a report 
• Simultaneously, notify your insurance provider after the incident 
• Share all the relevant information with your insurer and submit the claim form along with the required documents
• Once the claim request is approved, you will receive compensation for third-party damages or losses

Documents Required to File a Heavy Transport Vehicle Insurance Claim

For heavy commercial vehicles in UAE, you need the following documents for the claim process —

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

Frequently Asked Questions