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Comprehensive car insurance is meant to cover third-party claims after an incident as well as damage caused to the policyholder’s vehicle. These mishaps can be a result of accidents, fire, theft, natural disasters, etc. The best thing about comprehensive car insurance is its customizability that can be used to roll out bespoke offers to customers depending on what they need from auto insurance. Buyers also get an option to upgrade their insurance plans using different add-ons like breakdown coverage, depreciation coverage, tyre protection coverage etc for enhanced protection. For a vehicle like Audi Q7 (2021 model) 3.0 L (333 HP), your comprehensive car insurance can cost you anything between AED 3500 to AED 8000.
Here we’ll walk you through everything you need to know about comprehensive car insurance. Here, you’ll also learn about features, benefits, claim and renewal process of comprehensive car insurance that’ll assist you in making a right choice when you buy a plan for yourself.
Here is a list of benefits of buying a comprehensive car insurance policy for your car when you’re in Dubai.
Here is a list of Comprehensive Car Insurance inclusions.
Here is a list of Comprehensive Car Insurance exclusions for you to consider before opting for comprehensive car insurance.
Add-ons are extras that help you craft the right insurance plans for your car. These are to customize a comprehensive car insurance policy beyond what’s given in the basic cover.
|Car Insurance Addons|
|Personal Accident Cover||Roadside Assistance|
|Engine Protection Cover||IDV-Insured Declared Value|
|No Claim Bouns||Passenger Cover|
Following is a list of the best comprehensive car insurance companies that are available in UAE along with a brief intro to the kinds of comprehensive car insurance plans offered by them:
|Comprehensive Car Insurance Companies||Comprehensive Car Insurance Plans|
|Watania||Watania Comprehensive Car Insurance Policy|
|Adamjee Insurance||Comprehensive Car Insurance|
|DNIRC||DNIR Auto Care Scheme|
|Noor Takaful||Noor Takaful Comprehensive Car Insurance|
|Salama Insurance||Salama Auto Takaful|
|Abu Dhabi National Takaful Car Insurance||Comprehensive Motor Takaful Cover|
|Oriental Insurance||Comprehensive Insurance Plan|
Following is a list of the best comprehensive car insurance plans available in UAE from the top car insurance companies:
Best Comprehensive Car Insurance Plans
Third-Party Property Damage Limit
Emergency Medical Expenses
New Car Replacement
|AXA Motor Prestige||AED 5 million||Yes (AED 6,000)||Yes||24 months||Yes|
|Tokio Marine Tokio Million Privilege||AED 5 million||Yes (AED 10,000)||Yes||13 months||Yes|
|AXA Motor Perfect||AED 3.5 million||Yes (AED 3,500)||Yes||6 months||Yes|
|Noor Takaful Comprehensive Cover||AED 2 million||Yes (AED 4,000)||Yes||6 months||Yes|
|RSA Motor Executive||AED 5 million||Yes (AED 6,000)||Yes||12 months||Yes|
|Salama Auto Takaful||AED 3.5 million||Yes (AED 5,000)||Yes||-||Yes|
|Tokio Marine Tokio Smart Plus||AED 3.5 million||Yes (AED 4,000)||Yes||6 months||Yes|
|RSA Motor Smart||AED 3.5 million||Yes (AED 3.500)||Yes||6 months||Yes|
|DNIR Auto Care Scheme||AED 2 million||Yes (AED 30,000)||Yes||-||Yes|
|Adamjee Comprehensive Car Insurance||AED 2 million||Yes (AED 5,000)||Yes||-||Yes|
|Category||Comprehensive Car Insurance||Third-Party Car Insurance|
|Coverage||Provides cover for your own damages and the third-party damages, based on your policy terms.||Provides covers only against third-party damages and losses.|
|Customization||You can customize the insurance policy with some add-ons based on your coverage needs.||No options for customizations in this type of insurance plan.|
|Premium||Comprehensive car insurance is comparatively expensive.||Third party car insurance price is lower as it doesn't cover any damage caused to your own vehicle.|
|Advantages||Pays for the cost of both damages to your own car and third-party damages as well.||Protects your pocket from traffic fines in case of accidental collisions on road.|
|Damage to Own Car due to an Accident||Yes||No|
|Damage to Own Car due to Fire||Yes||No|
|Damage to Own Car due to Natural Disaster||Yes||No|
|Damage to Third-Party Vehicle||Yes||Yes|
|Damage to Third-Party Property||Yes||Yes|
|Death/Injuries to a Third-Party person||Yes||Yes|
|Personal Accident Cover||Yes||Yes|
To get a fully comprehensive insurance in the UAE, you must:
Here is the list of documents required to buy a Comprehensive Car Insurance Policy in the UAE.
You must compare different comprehensive car insurance policies to find one that best fits your needs. Here is a list of things to keep in mind before choosing comprehensive car insurance plan in the UAE.
To find the best car insurance plans, all in one place, you can visit Policybazzar.ae and bypass the need to visit insurance providers’ offices individually. Here, you get quick access to all the plans in just a few simple clicks. All you have to do is just provide a few vehicle details like car manufacturing year, registration date, make and model, cubic capacity, etc. The website will compare all the plans and list the ones that are best suited to your needs.
Here are a few simple steps that can help you buy a comprehensive car insurance policy online.
Follow these simple steps to file a claim.
To keep enjoying the insurance benefits, you must renew your car insurance policy on time. You can follow these simple steps to renew your comprehensive car insurance policy.
You can also visit the insurance provider’s office; pay the premium if you want to get an offline policy renewal done.
Ans. Comprehensive car insurance is an ideal choice of insurance in many different ways. It provides you coverage against third-party damages along with providing for damages done to you and your vehicle.
Ans. Comprehensive car insurance plans cover both your own vehicle and third-party damage. These plans are customizable according to a buyer’s need and you can add multiple add-ons for enhanced coverage that is why they attract a higher premium. On the other hand, third-party car insurance is the bare minimum that a driver must have before hitting the road. It covers only third-party damages.
Ans. You can convert your third-party car insurance plan into a comprehensive car insurance plan at the time of policy renewal. You can simply pay an additional premium for the comprehensive car insurance policy instead of renewing the third-party car insurance policy again.
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