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Established in 1946, Honda Motor Company is one of the largest Japanese auto manufacturers in the world. Honda’s car market extends to every part of the world, offering a range of sedans, multipurpose and sport utility vehicles. Honda established its presence in the United Arab Emirates in 1971, with Al Futtaim being the sole distributor in the region. Within 50 years, Honda has gathered a vast customer base through its reliable sales and services. At present, the company has an extensive network of 10 showrooms and 11 service centres across the UAE. 

As a part of its extensive services, Honda offers car insurance in UAE to secure the vehicle and the passengers against allied perils, loss and damages caused due to accidents, thefts and burglary, etc. 

Honda car insurance provides benefits such as low fixed premiums and guaranteed trade-in value. The article below sheds light on the car insurance from Honda in the UAE and various other related aspects. 

Honda Car Insurance Premium in the UAE

The company offers an affordable car insurance plan, and the policyholder (car owner) can pay their insurance premium conveniently through online mode. The insurance thus obtained helps the owner to avail of comprehensive vehicle protection that includes accidental damages, loss due to fire and allied perils and other vulnerabilities. 

The insurance company calculates the premium of insurance according to the insured declared value (IDV). The IDV is the maximum amount that the insurance company is liable to pay in case of an accident. While calculating the IDV, the insurer deducts the depreciation rate and the Honda car exclusions from the selling price of a specific Honda car model. In addition, the depreciation rate is calculated according to the age of the car. The older the car is, the higher is the depreciation rate and the lower is the insured declared value. 

Types of Car Insurance in the UAE

To offer its customers bespoke motor insurance plans, Honda comes up with two types of protection plans. The car owners can choose the insurance plan as per their coverage requirements. Following are the types of Honda car insurance in the UAE. 

  • Comprehensive Car Insurance - With comprehensive car insurance, Honda provides extensive protection to the car. The policy secures the vehicle and the passengers against various threats such as fire, explosion, earthquake, cyclone and other allied perils. In case of a mishap, the company provides financial assistance or option to repair the vehicle at an authorised service centre. In addition, comprehensive insurance secures the passenger and the driver, offering emergency medical insurance and death benefit if the person dies during the accident. The insurance covers the liability of uninsured parties (third parties) as well. Any loss to the third party is covered under the comprehensive insurance plan.  
  • Third-Party Liability Insurance - As per the RTA regulations in UAE, buying third-party liability insurance is compulsory for car owners. Third-party insurance provides protection against the damage or loss of property and accidental injuries or death of the uninsured (third party) during an accident caused due to the insured vehicle. The insurance does not cover the losses of the vehicle and passengers inside the insured car. 

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Reasons to Buy a Honda Car Insurance in UAE

Honda Car Insurance protects your vehicle extensively from a range of threats, but that’s not the only reason to buy a Honda car insurance. Following are the reasons to buy Honda car insurance in the UAE. 

  • With Honda car insurance, you get comprehensive protection for your vehicle along with third-party liability insurance. 
  • The comprehensive coverage protects your vehicle from various perils even when your car isn’t on the road. Such dangers are fire, explosion, malicious acts causing damage, etc. 
  • Not only your Honda car but the driver and passengers also get protection in case of accidents. The coverage amount may vary with different plans. 
  • With an extensive network of 11 Honda service centres, you get the best assistance and accidental damage repairs. 
  • You get hassle-free online insurance applications, processing, renewals and claim settlement. 
  • You can avail of various add-ons according to your needs with the Honda car insurance.
  • You also get no claim bonus reward which offers you a premium discount if you don’t file claims in the preceding year. 
  • A support team to assist you during the car insurance claim process

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Honda Car Insurance Inclusions

Following are the Key inclusions of Honda Car Insurance in the UAE - 

  • Damages caused to the insured vehicle due to 
    • Fire, explosion and self-ignition 
    • Third-party malicious act
    • Theft and burglary
    • Strike, riots and vandalism
    • Damages during transit
    • Natural calamities such as cyclones, storms, earthquakes, floods, lightning, thunderstorms
  • Personal accident cover for the driver and passengers
  • Third-party liabilities for the damages to the uninsured due to an accident caused by the insured vehicle. The insurance includes cover for the loss of property, bodily injuries and death of the third party.

Add-On Covers For Honda Car Insurance

To get additional protection, you can consider buying the add-on covers. With a nominal increase in your premium cost, the add-ons provide customised securities as per your needs. Following are some of the add-on covers for the Honda car insurance:

  • Zero Depreciation Cover: With a zero depreciation cover, the insurer omits the depreciation value while estimating your insured declared value (IDV). It considerably increases the insurance claim amount. The add-on is available for new cars or cars with specific ages such as 4-5 years old.
  • GAP Value Cover: The Guaranteed Asset Protection (GAP) add on covers the difference between the actual car value and the amount owed to the leaser or the financier.  
  • Tyre Damage Cover: As the name suggests, the tyre protection add-on secures the Honda car tyres from loss and damage due to accidents.  
  • Cost of Consumable Items: This add-on cover protects consumable parts and products such as nuts, washers and lubricants when added to the Honda car insurance. 
  • Emergency Roadside Assistance - This add on covers the expenses of your roadside assistance when you get stuck during an emergency. The add-on provides coverages like towing, tyre replacement, fuel assistance and more. 
  • Engine and Gearbox Protection - The add on covers the loss to the engine and the gearbox during an accident. 
  • Return to Invoice - With a return to invoice add-on, the insurer would pay the Honda car invoice value during claim settlement instead of the current market value. 

Honda Car Insurance Exclusions 

Following are the exclusions of Honda car insurance in the UAE.

  • Accidental loss or damages to the Honda vehicle because of the driver under alcohol or drug influence.
  • The insurer does not cover the intentional damage to the own vehicle. 
  • The policy does not cover the electrical and mechanical breakdown repairing costs.
  • The insurer does not cover the vehicle losses/damages if the accident is caused by a driver not having a license. 
  • The policy does not protect operational wearing and tearing of equipment and vehicle parts. 
  • In case of war, nuclear explosion or related operation, the insurer provides no security. 
  • The insurance company won’t provide coverage if the Honda car is used for purposes other than specified by the seller. For example, the policy becomes void if a personal Honda car is used for commercial purposes. 
  • The policy does not cover the losses if the car is loaded with more passengers than the specified limit. 

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How to Buy a Honda Car Insurance Policy in the UAE?

Buying a Honda car insurance online is the most convenient method. All you need to do is visit the insurance provider’s official portal, compare and choose your insurance plan and check out after paying your insurance premium. You can follow the below-mentioned steps to buy a Honda car insurance online. 

  • Visit the official website of the Honda car insurance provider and select the car insurance menu.
  • Next, you need to enter the details of your Honda car such as model, build year, fuel type and proceed to the next step. 
  • After entering the details, you will be able to see various insurance plans like the comprehensive insurance plan and third-party insurance plan. In comprehensive insurance, you would find different plans with quotes depending on their coverage. 
  • Choose the best Honda car insurance that suits your needs and process further. 
  • Once you have chosen your insurance plan, you need to pay the premium amount. 
  • After paying your car insurance premium, you can collect/download your policy receipt and details.

Honda Car Insurance Renewal Process in the UAE

The policyholders can conveniently renew their Honda car insurance online by following a few simple steps. Following are the steps involved in renewing the car insurance plan online. 

  1. Visit the insurance provider’s official website or visit Policybazaar.ae to get your insurance renewed in a few simple clicks. 
  2. Find the car insurance section and choose the renewal option. 
  3. Subsequently, you need to enter your policy details such as policy number, car model and year, etc. 
  4. Once you enter all the details, click on proceed button to check your policy premium. 
  5. After verifying contact details and the estimated premium, you need to pay the insurance premium to complete the renewal process. 

Before making your payment, you should calculate the policy premium amount and check whether you are getting the no-claim bonus or not. If you have not made a single claim in the preceding year, the insurer provides you with a no-claim bonus. 

Honda Car Insurance Claim Process in the UAE

Several insurance providers in UAE offer an easy online claim process for Honda vehicles. To file a claim, you need to follow the steps given below -

  1. Claim Report - The policyholder needs to contact their insurance provider soon after the accident. Additionally, they need to report the accident to the police since the insurance provider needs the police inspection report during claim settlement. 
  2. Visit the Service Centre - After you file your claim report, the insurer will provide the list of authorised service centres. You need to visit one of these garages for repairing your damaged Honda car. You are eligible for cashless claims if you visit one of the service centres from the insurer recommended list. In other cases, you will have to reimburse it later from your insurance provider.
  3. Collect the Repair Invoice from the Service Centre - The repair invoice or estimation report is the cost of repairing your Honda car. To settle the claim, you need to submit the estimation report while filling up the claim form. Depending on the report, your insurance provider would reimburse the settlement amount. 
  4. Documents Submission - After collecting all the documents pertaining to your car insurance policy and your vehicle, you need to submit them with your claim settlement form. 

After you complete the claim application and documentation, the insurance company will verify your claim within a few working days and reimburse the total car repair cost. Once you receive the settlement, you can take back your repaired car.  

Documents Required for Honda Car Insurance Claim in the UAE

The list of documents required during the claim settlement are as follows - 

  • A duly filled Honda car insurance claim form
  • Car insurance policy details such as policy number and policy receipt
  • Vehicle registration number
  • Driving license of the driver involved in the accident
  • Repair Invoice
  • Police inspection report and copy of the police FIR 

The insurer may ask for additional documents like police investigation reports, owner’s details, car modification certificates, etc. To have a hassle-free and quick claim process, you need to be ready with all the supporting documents.

Frequently Asked Questions

Q1. Are Honda cars expensive to insure?

Ans. Honda car insurance plans are relatively cheaper when compared to other car insurances in the UAE. Additionally, you get numerous add-on coverage to secure various components of your vehicle, including accidental damage to the car and passengers.

Q2. What does my Honda car insurance cover?

Ans. Honda car insurance provides extensive protection from a range of perils such as fire, explosion and allied perils, theft, burglary, third-party malicious act, damage/loss caused due to accidents and more. 

Q3. From where can I purchase insurance for my Honda car?

Ans. To buy a Honda car insurance, you can visit the car insurance section at Policybazaar.ae, compare various car insurance plans and choose the best Honda insurance as per your requirements.  

Q4. How is the Honda car insurance premium calculated?

Ans. Honda car insurance premium depends on various factors, and to calculate the cost, the insurer considers the following - 

  • Insured Declared Value (IDV) of your car
  • Model of your Honda car
  • Car model’s manufacturing year
  • Claim record or claim history
  • Type of insurance plan you are opting for 
  • Additional riders in your insurance plan
Q5. Which insurance company does Honda use?

Ans. Al Futtaim is the sole distributor of Honda cars in the UAE and offers numerous car insurance and finance plan.