Pick Up Van Insurance in UAE

What is Pick Up Van Insurance in UAE?

Pick up van insurance is just like car insurance for pick up vans. It is mandatory in the UAE — whether you’re using this type of van or any other vehicle for work purposes. It provides coverage against any loss and damage of the insured vehicle from a range of incidents — accidents, theft, natural disasters, and so on. Plus, you also get coverage against third-party liabilities, including property and vehicle damage and more.

Types of Commercial Van Insurance Plans

There are two major types of pick up van insurance — third-party liability and comprehensive insurance. Tabled below are the key details of the coverage:

Why Should You Buy Business Van Insurance in the UAE?

Pick-up van insurance offers several benefits for companies and vehicle owners. Here are some key reasons why this coverage is essential in the UAE —

Mandated by Law

Whether you are an individual or a company, if you use pick-up vans for commercial purposes, you need to get at least third-party liability commercial motor insurance. If your vehicle is on the roads without valid insurance, you can face severe legal penalties and vehicle impoundment.

Coverage Against Sudden Uncertainties

Even with all precautions, your pick-up van is always exposed to unexpected risks on the road. With business van insurance, you can drive without worrying about such losses. Any damage or loss — whether caused by your vehicle or sustained by it — is financially covered. This allows you to focus on running and growing your business without the burden of liabilities.

Financial Protection

When your vehicle is involved in an accident, it can suffer damage but may also lead to third-party liabilities. Such incidents can cause significant financial strain, hinder business growth, and even affect your reputation. The right commercial van insurance helps you manage these risks effortlessly and safeguards you from potential financial setbacks.

What Does Pick Up Van Insurance in UAE Cover?

While buying commercial van insurance online or offline, it’s crucial to know the scope of coverage as well as limitations. Take a look at the key inclusions and exclusions of commercial vehicle insurance in the UAE -

How Much Does Commercial Van Insurance Cost?

The cost of the insurance for pick-up vans depends on various factors, such as vehicle type, coverage, add-ons, and so on. You can get a commercial van insurance quote by evaluating the following factors —

Type of Pick Up Van

Larger vans or those used to carry heavy goods usually cost more to insure, as they face higher risks of damage or accidents. On the other hand, smaller or light-duty vans often come with lower premiums.

Policy Type

A comprehensive policy that covers both your vehicle and third-party damages is generally more expensive but provides broader protection. Third-party coverage is quite affordable, but it offers limited coverage.

Installation of Security Features

Installing security features such as GPS trackers, alarms, and immobilisers can help reduce your insurance costs. These devices lower the risk of theft or loss, making your van safer and cheaper to insure.

Location

The premium for commercial van insurance can vary across different locations in the UAE. If your business operates in an area with heavy traffic or higher accident risks, your insurance cost is likely to be higher.

Driving History

Having drivers with a clean driving history with no claims or violations can lead to affordable premiums, while a record of frequent accidents or traffic offences can increase the costs.

Where Can I Get Commercial Van Insurance Online? 

At Policybazaar.ae, you can get the best coverage for your commercial vehicles without any hassles. Follow the steps mentioned below and buy the right pick up van insurance online -

• Visit Policybazaar.ae and click on ‘Business Insurance’ on the homepage
• Select ‘Commercial Motor Insurance’
• Fill out the lead form with the essential information
• Submit the form, and that’s it!

You will soon get assistance from our expert in choosing the right policy.

With Policybazaar.ae, you can experience a seamless and reliable way to insure your commercial vehicle. As a trusted online platform partnered with leading insurance providers, it helps you find the most suitable plan that fits your budget while ensuring comprehensive protection for your vehicle.

How to File a Claim for Pick Up Van Insurance in the UAE?

To make a commercial van insurance claim in the UAE, here’s what you need to do -

• Inform your insurance provider about the accident
• Report the incident to the police and get the report
• Submit the essential documents — 
  • Vehicle documents
  • Police report
  • Supporting documents (photos and videos of the accident)
• The insurance providers will assess the damage and loss
• Based on the investigation report, the insurer will compensate for the damage or loss of the vehicle and third-party liabilities

Frequently Asked Questions