Buying Car Insurance? Here are 6 Things You Should Take Care of

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*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
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Driving a vehicle without auto insurance is illegal in UAE and it may lead to suspension of your vehicle’s registration as well as your driving license. However, you should not buy a car insurance policy just to fulfill the legal requirement but it should also be purchased to make yourself free from any sort of financial liability arising out of any damage to your car (in an event of an accident/natural calamity) or if in case your vehicle gets stolen.

Most of the people often take a quick decision without giving a second thought while buying or renewing their car insurance. Due to this, they land up buying a basic insurance policy that serves an only legal purpose and does not cover all the required liabilities. So, there are certain things that should be taken care of while buying auto insurance in the UAE.

Know your Affordability

First of all, you need to understand how much you can afford. Not understanding your affordability and opting for car insurance can lend you in a big problem while paying higher monthly insurance premiums. Although costly insurance policies offer more benefits they can affect you financially if you are not able to manage your monthly expenses. That is why you must buy an auto insurance policy that fits your financial budget as well as meets your insurance needs. So, don’t go beyond your budget and put yourself in the financial crisis. Instead of that, opt for the insurance policy smartly and wisely so that you can make the most of it. 

Compare Various Insurance Policies Online

This is one of the major steps while buying car insurance in order to find the best insurance policy for your vehicle. There are numerous car insurance companies in the market offering several types of insurance policies. So, you must compare various auto insurance policies online according to the benefits, coverage, and price. Then, choose the best one that offers you good insurance coverage.

Check all the offered Benefits

Apart from the premium of the insurance policy make sure you carefully go through the privileges & benefits provided. List down your requirements what all you are looking in the insurance policy. After zeroing down all of your insurance needs, look out for insurance policies that meet all of your requirements. Don’t forget to check out the benefits and add-on offered in that policy. Also, keep in mind that there are no loopholes involved in your selected insurance policy as it can affect you while claiming the insurance coverage.

Avoid Opting for a Basic Policy

Never buy an auto insurance policy for just the sake of legal purpose as buying a basic insurance policy will eventually affect you while claiming for the insurance coverage. Generally, a basic insurance policy offers less coverage and fewer number of benefits.  During any unforeseen event, the basic insurance policy that you have might not even cover what you require; this can ultimately affect your financial budget. So, know your budget and insurance requirements and then opt for the best one that can offer you the maximum coverage in times of need.

Read Terms & Conditions Carefully

It is a truth that most of people agree to the terms & conditions without even going through them. But that is where most of the important things are mentioned. You must read each and every T&C carefully.  Not only this will help you to make a well-informed decision but also you will understand what exactly your insurance policy covers and what all are the conditions involved in it while claiming the policy.

Renew Your Insurance Policy on Time

You must renew your auto insurance policy on time as driving a vehicle with expired insurance is illegal. Before renewing your existing insurance policy make sure you review it fully to check whether there are any new policies available in the market that meet your insurance requirements and fits your budget equally. So if you can make a better deal then buy a new insurance policy rather than renewing your existing insurance policy to get the full coverage. 

Bottom Line!

Like any other insurance, auto insurance should also be given equal importance since you purchase your vehicle by spending your hard-earned money and insuring it with the right policy will not only protect it but also reduce your financial burden during any unforeseen event. So, if you are planning to buy car insurance online or offline, make sure you keep all these points in mind to get the full coverage while claiming insurance.

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