Off-Road Cover – Know your Car Insurance Policy Before Heading to the Desert in the UAE

Off-Road Cover – Know your Car Insurance Policy Before Heading to the Desert in the UAE
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Are you heading to an off-road trip to the desert? Are you fully prepared for the trip or are you setting off to the desert with just your car and basic necessities? Also before heading to the desert, did you buy car insurance?

Experts say heading off to the desert with no car insurance is a risk. It is prudent to buy car insurance. You can never be prepared enough for a trip to the desert. Off-road insurance generally covers damage or loss sustained while the insured driver is travelling off the road.

That’s why, if you don’t have a car insurance yet, we have compiled a list of things to look for while browsing for the best car insurance in UAE.

Compare Deals for Best Car Insurance in UAE

Before you buy car insurance, compare car insurance deals online. Look for the deals that offer off-road cover and choose the one that suits your needs the best. Some policies offer off-road cover for an added price. For example, Arab Orient Insurance Moto Plus offers off-road cover for an added expense of AED 350. It also includes GCC cover.

Meanwhile RSA provides off-road cover on some of its products. For example, RSA provides insurance on RSA comprehensive cover- standard for an added price of AED 1500. While other covers like RSA comprehensive cover- saver plus offer no off-road cover. This gives an insight of what type of cover you should for, for your off-road car.

How to Ensure That You Are Covered

First of all, if you already have car insurance, check its policy. Some policy mechanically has off-road cover if the car is for off-road.

Secondly, check with the policy provider whether the off-road cover is extended to you. Check for any restrictions on the off-road cover. Some insurer put restrictions based on the car’s age, miles travelled etc. The insurance might also not work if the damage was caused during an off-road race etc. so, be sure to consult your insurer for terms and conditions. Understand the limitations before you buy car insurance.

Understand Your Off-Road Car

Don’t assume that insuring off-road car is a waste of time and money. Off-road cars usually spend a lot of time in the service center. Maintaining an off-road car can cost a lot too. That is why it is necessary to get your off-road car insured.

Most importantly, if you want to keep your off-road car dent-free, it is advised to keep your car away from off-roading.

Some Other Factors to Know Before you Buy Car Insurance

Premium

This is the fixed rate you will pay on a yearly basis for your car insurance. In UAE, the premium is paid after every 13 months. But the rate might increase if you have previous records of accidents or if you are younger than 30.

Excess

This is the amount you pay from your pocket willingly in certain cases. For example when you cause an accident, you are responsible for the damages incurred. Insurers will lower your premium if you pay high deductibles and vice versa. The insurer might charge you high deductible, depending on your age, to insure your car.

Full Coverage

In case of any unfortunate accidents like fire, vandalism, theft, etc., the insurance company guarantees to cover the entire expense of the damaged car.

The amount covered is generally penned at the end of the contract.

Third Party Liability

In case of an accident caused by you, the insurance will cover the damages caused to any third party involved in the accident. While you will cover your own expenses. This is the most basic type of car insurance policy.

Roadside Assistance

This service might be covered in a comprehensive coverage package or you can get it for an extra fee. In this cover, the insurance company will provide facilities like towing, battery jump-start, changing of tires, locksmith, etc.

Exclusions

Based on your insurance policy, this is the list of all the coverage and benefits you don’t have the access to. Every insurance cover comes with terms and conditions.

No Claim Discount

The insurance company gives discounts to those customers who have no previous records of accidents, where the insurer is at fault.

In Conclusion

Buying car insurance just for your off-road car might seem tedious but it is of importance. Don’t take hasty decisions when it comes to insurance for your off-road car. Research best car insurance in UAE and opt for the car insurance that suits your car needs the best.

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