Rent a Luxury Car in Dubai - Owning a luxury car is fun, but it also comes at a cost. Starting from the initial purchase to its maintenance and insurance, you need to have a deep pocket to manage it.
Dubai National Car Insurance offers various car insurance plans with maximum protection against any loss or damage caused to an insured or third-party vehicle. It provides car insurance coverage to protect against a wide range of risks, including fire, theft, natural disaster, and damage arising from an accident. Other benefits include 24-hour roadside assistance and a 24-hour customer service helpline. read more
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Dubai National Insurance and Reinsurance (DNIR) commenced its operations in 1991. Since then, the company has widespread operations in the UAE. It is a Public Shareholding company (PSC) and is also the first insurance firm to be listed in Dubai Financial Market. It follows the guidelines that are listed in the Federal Law 6 of 2007.
The company was backed by a number of national businessman and shareholders at the time of its inception. Since then, it continues to be one of the best providers of car insurance in Dubai. Their comprehensive and innovative car insurance policies have helped them in carving a niche in the UAE car insurance market.
Dubai National Insurance and Reinsurance (DNIR) aims to offer an adequate car insurance plan that offers you the maximum protection against any loss or damage caused to your insured vehicle.
It will cover financial emergencies which may arise in the event of an accident and bodily injuries. Moreover, it covers risk arising from third-party damages or any accidental damage caused to your car.
Commercial vehicles like buses, trucks, vans etc. are also covered under a motor fleet insurance plan. A group of more than 6 vehicles can also be insured under the fleet policy.
If there is an emergency, you can avail immediate assistance from their network agencies and get repairs done at their registered workshops/garages.
They offer bespoke and cost-effective car insurance plans to meet the individualistic needs of their customers.
There are Two types of coverages that are provided –
Following coverage is provided if you buy a car insurance plan from Dubai National Insurance and Reinsurance (DNIR) -
Coverage |
|
Policy Tenure |
Period of 13 months |
Cover |
Against any loss, damage, theft and fire |
Third-party Property Damage |
Coverage up to AED 2 Million |
Third-party Bodily Injury |
Total loss cover |
Agency Repair |
Included |
Applicable Geographical Area |
Oman & the UAE (Own-Damage Only) |
Extra Benefits |
|
Personal Belongings |
Coverage up to AED 2,000 |
Emergency Medical Expenses |
Coverage up to AED 3,000 |
Ambulance Cover |
Coverage up to AED 6,770 |
Off-Road Cover (for 4 wheelers only) |
Coverage up to AED 5,000 |
Windscreen Damage |
Coverage up to AED 2,000 |
Extension for Natural Disasters |
Only in case of floods, storms, riots and strikes |
Roadside Assistance In Case Of An Accident Or Car Breakdown |
Gold card is provided |
Optional Cover |
|
Car Hire Benefit |
On payment of additional premium of AED 250 (10 days limit and a maximum of AED 100 can be availed per day) |
Personal Accident Cover to Passengers and Driver |
Can be availed by paying additional premium |
*Policy excess is subject to policy guidelines
There are certain conditions that are applicable to the car insurance provided by Dubai National Insurance & Reinsurance Company
As per the laws in the United Arab Emirates, it is obligatory for vehicle owners to register their vehicles under a third party liability plan to cover the cost of any accidental damage to a third party be it bodily injury, death or damage to property. As such Dubai National Insurance and Reinsurance Car insurance has designed an adequate third party cover that meets the requirements of the policy holders. Mentioned below are the key benefits of this policy provided by Dubai National Insurance & Reinsurance:
Being one of the leading motor insurance companies in the UAE, DNIR offers the best in class car insurance plans. Furthermore, the company has partnered with some of the leading garages and agencies to make the policy holder’s experience even more stress free. The auto care scheme is a testament to this commitment of the Dubai National Car insurance and Reinsurance. The following are the key benefits of this plan:
If you are planning to buy car insurance in Dubai, then the following documents need to be submitted:
Note – Front and back side copy is required for all of these documents
For an early claim settlement, you need to intimate the insurer as soon as possible -
If you have a comprehensive car insurance plan and damage is caused to the vehicle, you can immediately inform the insurer by calling DNIR's registered number.
You can also get in touch with the motor claims department.
For fast processing of the claim, ensure that you submit the following documents -
Ans: Yes, it is mandatory to have car insurance in the UAE. A third-party cover is the minimum basic necessity.
Ans: If you are a car owner and want to have financial protection against any unforeseen loss or damage which may arise due to collision, death or third-party damage, then it's imperative for you to have car insurance in UAE.
Ans: For motor claims, you can call their toll free number - 800-DNIRC (36472) Direct number - 04-2956700 Timings -Sun-Thu, 11:00 AM to 12 PM
Ans: If you want extensive coverage against loss or damage arising due to accident, third-party and property damage, along with roadside assistance, then you should buy a comprehensive plan.
Ans: Every insurance provider in the UAE uses different methods and statistics while calculating the insurance premium. Some car insurance companies may provide certain discounts while others may charges extra, for they do not extend the cover in that specific area. This results in a variation in the premium of different providers.
Ans: Following factors are taken into consideration -
Ans: You will get a cover note, which is a temporary document that can be used as a proof of insurance. Using this, you can get your vehicle registered. This is valid up to 60 days from the issuance date. After that, the cover note has to be replaced by your original insurance certificate and documents.
Ans: Yes, you can make payment using your credit card.
Ans: You can take it as an optional cover by paying some extra premium.
Ans: Commercial vehicles buses, trucks, vans etc. are covered in it. More than 6 vehicles of any kind can be insured under the fleet policy.