Dubai Car Insurance

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Dubai Insurance is a leading insurance provider in the UAE offering a variety of insurance products including Property, Life, Marine, Car, Medical, and many others. The company offers excellent benefits with its custom tailored car insurance services that makes it stand apart from the crowd.

The Dubai Insurance Car Insurance plan helps you cover various damages and losses caused to your vehicle in case of an accident. It covers the expenses and provides you with financial assistance as and when required.

Let’s go through Dubai Insurance Car Insurance plans and take a quick look at their benefits, features, inclusions, and exclusions to get a better understanding of what’s in store.

Types of Insurance Plans Dubai Insurance Car Insurance Offers:

Dubai Insurance Car Insurance provides two types of car insurance plans – Comprehensive and Third-Party Car Insurance.

  1. Comprehensive Car Insurance: Dubai Insurance Motor Insurance offers comprehensive car insurance plans to help policyholders cover their own as well as third-party expenses. These car insurance plans provide cover for damages and losses caused due to an accident, fire, theft, or any natural disaster like hail storms, earthquakes, floods, wind storms, etc.
  2. Third-Party Car Insurance: Dubai Insurance Auto Insurance also offers potential clients with third-party car insurance plans. These plans help policyholders cover the expenses for third-party damages or losses caused by an accident. As per a recent survey, the average insurance price for third-party car insurance in Dubai starts from AED 3,000,000.

Features and Benefits of Dubai Insurance Car Insurance

Dubai Car Insurance provides the best car insurance plans in Dubai. Here is a list of features and benefits that Dubai Insurance Motor Insurance offers.

  1. 24/7 Help and Support: Dubai Insurance Car Insurance provides the policyholders with full-time help and support. They can get in touch with the helpline any time to find answers to their queries.
  2. Hassle-free Claim Procedure: Dubai Insurance Car Insurance has an easy claim process. All you have to do is submit the required documents to report a claim online.
  3. Easy Payment Plans: Dubai Insurance Car Insurance allows the policyholders to convert their policies in easy instalments with no interest charged if they are using an ENBD card.
  4. Roadside Help and Assistance: Dubai Insurance Car Insurance offers the insured people free roadside help and assistance. They can get in touch with the roadside assistance helpline any time if their car breaks down or the tank goes empty.
  5. Cover against Theft and Fire: Dubai Insurance Car Insurance in Dubai provides cover against damages caused due to fire. They also help policyholders in case their car gets stolen.
  6. Car Registration: Dubai Insurance Car Insurance Company helps the policyholders with free car registration.
  7. No Claims Discounts: Dubai Insurance Auto Insurance provides excellent no-claims discounts. You can opt for a no-claims bonus (NCB) at the time of the policy renewal if you go without claiming for one year.

The Best Plans Offered by Dubai Insurance Car Insurance in Dubai and UAE

Here is a list of car insurance plans and covers that Dubai Insurance Car Insurance offers.

Comprehensive Car Insurance Plans

Benefits

Silver

Gold

Platinum

Personal Accident Benefit for Passenger

Covered

Covered

Covered

Third-Party Property Damage

AED. 2,000,000

AED. 2,000,000

AED. 2,000,000

Third-Party Bodily Injury

Covered

Covered

Covered

Rent a Car

Up to 15 days

Up to 15 days

Up to 15 days

Geographical Area

UAE

UAE + OMAN (Subject to have Valid Orange Card)

UAE + OMAN (Subject to have Valid Orange Card)

Ambulance Expenses

AED. 6,770

AED. 6,770

AED. 6,770

Strike, Riot & Civil Commotion

Not Covered

Covered

Covered

Agency Repair

Brand New Vehicle

Up to first Two Years from Brand New

Up to first Two Years from Brand New

Valet Parking — Theft Cover

Not Covered

Covered

Covered

Off-Road Assistance

Yes

Yes

Yes

Car Registration

Yes

Yes

Yes

Towing and Flat Tyre

Yes

Yes

Yes

Third-Party Car Insurance Plan

Benefits

Third-Party Car Insurance Plan

Third-Party Property Damage

AED. 2,000,000

Third-Party Bodily Injury

Covered

Injuries to Passengers

Covered

Ambulance Expenses

AED. 6,770

Strike, Riot & Civil Commotion

Not Covered

Agency Repair

Not Covered

Valet Parking — Theft Cover

Not Covered

Off-Road Assistance

Not Covered

Rent a Car

Up to 15 days

Dubai Insurance Car Insurance Inclusions

Here is the list of Dubai Insurance Auto Insurance Policy Inclusions.

Comprehensive Car Insurance Inclusions

  • Cover for Personal Damage: Dubai Insurance Motor Insurance plans provide cover for the damages caused to the insured vehicle in case of an accident. All you need to do is report the claim with the documents required to get all the financial assistance from Dubai Insurance Company. The company also provides policyholders with roadside assistance to help them tow their car to one of the network garages for repair.
  • Cover for Third-Party Damages: Dubai Insurance Car Insurance Company provides cover for third-party damages and losses. The company also offers medical cover for third-party bodily injuries caused in an accident by the insured vehicle.
  • Damage Caused Due to Natural Disasters: Dubai Insurance Auto Insurance also provides insurance cover for damages caused to the insured vehicle due to unpredictable natural calamities like landslides, hail storms, floods, earthquakes, and wind storms.
  • Man-Made Disasters: Dubai Insurance Car Insurance Company provides policyholders with cover for damages caused due to man-made hazards like a riot, fire, strikes, terrorism, etc.
  • Ambulance Expenses: Dubai Insurance Car Insurance Company also provides the ambulance charges cover of AED 6,770 for people who get injured in a car accident.
  • Theft of Your Car: You can also get the insurance cover if the insured vehicle gets stolen. Dubai Insurance Car Insurance Company allows you to register a claim for an amount almost equal to the vehicle’s declared value.
  • Rent a Car: Dubai Insurance Motor Insurance allows you to rent a car for your personal use for up to 15 days or until your vehicle gets repaired in one of the company’s network garages.

Third-Party Car Insurance Inclusions

  • Third-Party Property Damage: Dubai Insurance Car Insurance provides cover of up to AED 2,000,000 for third-party property damages and losses due to an accident. This means if their is a collision on road, the insurance company will pay for all their damages and losses.
  • Third-Party Injury: Dubai Insurance Car Insurance also offers cover for third-party bodily injuries. If you have injured a person in the accident, the insurance company will pay for their medical expenses.
  • Ambulance Charges: Even in the third-party car insurance, Dubai Insurance Car Insurance provides cover for ambulance charges. The amount for cover is up to AED 6,770.

Dubai Insurance Car Insurance Exclusions

Here is a list of Dubai Insurance Car Insurance exclusions.

  • Damage caused by racing a car
  • Intentional car damage
  • Damage incurred during the war
  • Damage to electrical equipment
  • Damage due to vehicle rollover

Documents Required to Buying Dubai Insurance Car Insurance?

Here is a list of documents required for buying a car insurance plan from Dubai Insurance Car Insurance in Dubai.

  • Driving License
  • Car Policy Registration Documents
  • Emirates ID
  • Passport copy with the residence visa page

Documents Required to Claim Dubai Insurance Car Insurance

Here is a list of documents required to report a claim for Dubai Insurance Motor Insurance.

  • Police Accident Report
  • A cost estimate for damage repair
  • High-resolution images of damage or loss
  • Car registration card (both sides)
  • Proof of claim letter sent to a third party (if any)

How to Report a Claim with Dubai Insurance Car Insurance

Here are the three simple ways of reporting a claim with Dubai Insurance Car Insurance.

  1. Upload Documents Online: You can visit the insurance company’s online portal and submit all the required documents to report the claim.
  2. Call the Helpline: You can call the Dubai Insurance Car Insurance phone number 800 – DUBINS to report the insurance claim.
  3. Send an Email: You can send an email to diconlineclaims@dubins.ae with all the required claim documents to report your claim.

Frequently Asked Questions

Q1. What is the difference between Comprehensive Car Insurance and Third-Party Car Insurance in Dubai?

Ans. Comprehensive car insurance offers cover for the damages caused to your own and third-party vehicle due to an accident. And third-party car insurance, on the flip side, offers cover only for the damages caused to the third-party vehicle.

Q2. What are the factors that impact the premium amount?

Ans. The value of the car and the fact if it has met with an accident before are the two major factors that affect the premium amount. You may get to pay a low premium if you own a new vehicle.

Q3. What are the documents required to report the claim?

Ans. Here is the list of documents required to report the claim with Dubai Insurance Car Insurance.

  • Police Accident Report
  • Car registration card (both sides)
  • High-resolution images of damage or loss
  • A cost estimate for damage repair