Rain Damage and Flood Coverage with Best Car Insurance in UAE
2020 began with a series of heavy rainfall and flooding in various parts of the UAE. According to a survey by a UAE based web aggregator, about 75% of UAE residents are unaware of the fact their company covers the damages caused by flooding and rainfall. With the majority of car owners uninformed of the element that their car insurance policy provides coverage against losses caused due to flooding and rainfall, we decide to shed some light on this topic to make sure that car owners can make the most out of their motor insurance plans.
In this blog, we will be covering the most commonly asked questions about rainfall and flood coverage under comprehensive car insurance plans in the UAE. The conditions, criteria, and coverage offered by car insurance providers vary from one company to another. Therefore, it is extremely vital to review the policy offerings before opting for the best car insurance in UAE.
For example, some of the car insurance companies clearly state that the damages will be covered only if the vehicle is parked and not driven in rain/flood. Moreover, most of the third-party liability car insurance plans do not provide coverage against flood-related damages.
Will my car be covered if it was driven instead of being parked in rain/flood?
Typically, best car insurance in UAE plans covers any losses that are caused due to natural calamities, unless the phenomenon is declared as a natural tragedy by the government of the country. However, the insurance provider has the authority to extend the coverage offered by the car insurance plan and pay the claim amount on the basis of the case to case. In order to get a clear understanding of the coverage, you can refer to the fine print of the policy.
What is the maximum coverage in the case of flood/rainfall damage claims?
The maximum coverage in the case of flood/rainfall damage is either equivalent to the market value or insured value of the vehicle whichever turns out to be the lowest. Contrary to the first situation if the damage of the vehicle is quite extensive and repair costs exceed the 50% of the total value of the car then the best car insurance in UAE might consider the damage as a total loss and will compensate the car owner based on the terms and conditions of the insurance policy.
Are damages caused due to an accident on a flooded road/alley covered under the flood/rainfall damage of car insurance plans?
Based on the Unified motor vehicle insurance policy against losses and damages issued by the Insurance Authority of UAE, best car insurance in UAE does not include damages caused to the vehicle due to accidents that occur as a result of natural calamities such as floods, heavy rainfall, earthquakes, hurricanes, etc. The best way out to get a clear idea of scenarios that are covered under your car insurance policy it is better to read the fine print of the plan as every provider has different conditions and guidelines. Ideally, from the customer’s point of view best car insurance in UAE would cover such damages but in real-time one might not get the coverage.
Is there any deductible that is to be borne by the policyholder while claiming the flood/rainfall damage cover under the best car insurance in UAE?
The standard charges that are to be borne by the policyholder while claiming flood/rainfall damage vary from AED 200-2000 depending upon the provider and the plan chosen by the policyholder. An important point to be kept in consideration is that this excess is to be paid by the policyholder at the time of submitting the claim irrespective of best car insurance in UAE of the fact that the damage is caused by a natural calamity or not.
How to file a claim for flood/rainfall damage under the best car insurance in UAE?
The process to file a claim for flood/rainfall damage under best car insurance in UAE is quite simple, all you need to is submit the vehicle registration documents, a copy of your driving license along with a copy of the official police report depicting the details of damage inflicted over the vehicle. Every insurance provider would require the initial police report; therefore, it is very important to contact the police right after the accident takes place.
What should be done, if a car breaks down during a flood/heavy rainfall?
According to most automobile experts, one should restart the engine of the vehicle as it might cause serious damages to the engine. Moreover, one should try to move the car or open the car when stuck in flood/heavy rainfall.
You should immediately contact your insurance agency for roadside assistance as a facility under best car insurance in UAE followed by filing a police report. If your car insurance plan covers breakdown, flood/rainfall damage you can contact the provider with a police report for submission and disbursement of the claim under best car insurance in UAE.
In a Nutshell
As it is clear that rainfall and flood damages coverage under best car insurance in UAE provide financial protection against a plethora of conditions it is vital to be aware of all the offerings by the car insurance plan. In order to get a clear understanding of coverage offered by best car insurance in UAE, one should read the policy documents carefully before purchasing a plan.