Most Popular Car Insurance Add-On in UAE
In the time of unfortunate events, car insurance add-ons provide you with extra coverage for your insured car. In the UAE, with the rapid increase in the driving culture, accidents are prone to happen sometimes, even if you are not at fault.
While buying the best car insurance in UAE the question that often strikes our mind is “do we really need any of this car insurance add-on? “ The answer to this question depends on the usage of your car and your driving history which is the decider for the insurance companies on the type of coverage you need to have.
It is not always the best option to dismiss any car insurance add-on without weighing its benefits and protection. This is because a little extra premium can end up protecting your prized possession along with your loved ones.
Below mentioned are the essential car insurance add-on provided with the best car insurance in UAE and details regarding them that will help you decide whether you should purchase them or not.
Car Hire or Rent a Car
The car insurance add-on of rent a car service offered with the best car insurance in UAE is one of the most popular add-ons. Many car insurance companies offer their clients to rent a car if the insured car faces any damages.
- The car insurance providers will arrange car hire for the client for the limited period within which the damaged car has gone for repair and maintenance.
- This service is not offered for the insured car in case of theft or write-off.
The majority of the comprehensive coverage plans provide coverage to cars in the form of theft, injury, vandalism, etc. however, what they do not offer is the windscreen coverage for your car. Even the best car insurance in UAE does not provide windscreen protection as a part of the plan and is often a car insurance add-on with an extra charge.
With this add-on, you are protected from:
- Protecting the full or rear screen or side windows
- Covers the repairs of cracks, chips, and other small damages
Imagine being caught in a situation where you are driving your new car within its first few days, and you meet with an accident. Won’t it be your biggest nightmare?
With the car replacement car insurance add-on, your insurance provider will compensate for the basic expense incurred along with a replacement for your brand new car.
Medical Payment Cover
This add-on service provides covers the medical bills for you and your family members after the accident of the car that is insured. This may include the costs of hospital visits, X-rays, surgery, among the rest.
Road Assistance Cover
An important add-on to put into your insurance is the roadside assistance cover. People often think that this is a useless cover. However, you never know when your car will break down in the middle of the road. This add-on service covers roadside towing or your mobile repair in case of any emergencies such as flat tires, car malfunction, and filling an empty tank.
Agency Repair Service
In case your car faces any accidental damage, the insurance provider will take the responsibility of the insured car repair and maintenance by sending it to the partner agency. Agency repair is often expensive and increases your monthly car premium. It depends on you whether to trust the internal agency or the non-agency repair.
Personal Injury Cover
This is additional coverage that helps in protecting your family’s welfare and lifestyle. This coverage provides stability in case of accidental death, medical expense and driver disability. Under this add-on, the beneficiaries are paid in either monthly installments or as a lump sum for the missed income.
Personal Belongings Cover
This car insurance add-on offered by the car insurance provider will protect you when any personal item of yours in the insured car was stolen or damaged. Under this service, the maximum compensation limit is set for reimbursing the item.
On an Endnote
There are a variety of add-ons that may be significant for some people and insignificant for the others. This depends on the level of research you do and the knowledge you carry. One should always research the best car insurance in UAE and the car insurance add-on benefits before coming to any conclusion.