RAK Car Insurance

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RAK car insurance is one of the best auto insurance providers in the UAE, offering comprehensive coverage. With a RAK plan you can drive your car worry-free, knowing that you and your vehicle are protected by the best in industry.

RAK motor insurance offers broad coverage at competitive prices. With RAK, you can go beyond the built-in protection and customize your existing auto insurance policy based on your insurance needs to make the motor insurance plan.

Types of RAK Car Insurance

Currently, RAK offers three types of car insurance plans and they are as follows:

1. RAK Comprehensive Car insurance Gold Plan

2. RAK Comprehensive Car insurance Silver Plan

3. RAK third-party liability car insurance plan

Now, let’s take a closer look at the coverage offered by these RAK motor insurance plans:

Coverage Gold Plan Silver Plan Third-Party Liability
Third-party liability property damage Up to AED 3.5 Million Up to AED 2 Million Up to AED 2 Million
Roadside assistance Yes Yes Optional
Windscreen damage cover No Deductible (a maximum of AED 3K) No No
Geographical cover outside UAE (own damage cover) Oman and Qatar Oman and Qatar No
Personal accident benefit cover for driver Up to AED 200,000 Optional (Up to AED 200,000) Optional (Up to AED 200,000)
Personal belongings cover Up to AED 5K No No
Rent a car benefit Optional (a maximum of 10 days) Optional (a maximum of 10 days) No
Personal injury for policyholder and/or spouse Up to AED 30K No No
Emergency medical expenses Up to AED 5K No No
Replacement of locks Up to AED 1K No No
Own damage (physical loss to the automobile) Yes Yes No
Unlimited- third party bodily injury Limit set by United Arab Emirates courts Limit set by United Arab Emirates courts Limit set by United Arab Emirates courts
National ambulance services Yes Yes Yes
Comprehensive cover availability Up to 15 years Up to 15 years No
Geographical scope of cover(United Arab Emirates) Yes Yes Yes
Complimentary agency repairs 3 years 1 Year No
Agency repair A maximum of 5 years No No
Premium garages Yes Yes No
Dynatrade repairs Yes (Based on allocation) Yes (Based on allocation) No
GCC cover (own damage coverage) Oman and Qatar Optional (Oman and Qatar) No
Natural calamities Yes No No
Strike and riots Yes No No
Auto GAP (for brand new vehicles only) Six months No No
Valet parking theft coverage Yes No No
Off road coverage Yes (4WD only) No No
Personal accident cover for passengers Optional (a maximum of AED 200,000) Optional (a maximum of AED 200,000) Optional (a maximum of AED 200,000)
No claim discount No No No
Safeguarded No claim discount No No No
Track day coverage Optional No No
Orange card (Oman cover third-party liability only) No No No
Benefit of courtesy car cash Optional Optional No
Luxury Rent a car No No No
Taxi fare No No No
Garage repair guarantee (body & paint) No No No
Garage repair guarantee (mechanical) No No No
Coverage of motor trade road risks No No No

Key Features and Benefits of RAK Car Insurance

RAK car insurance has plenty of attractive features and benefits that make make it stand out in the car insurance market. Let’s take a look at them:

  1. Reasonable Pricing: RAK car insurance in RAS AI Khaimah and across the UAE offers comprehensive coverage at affordable price points.
  2. Extensive Coverage: RAK car insurance offers several covers in gold, silver and third-party liability car insurance plan to offer complete protection when you’re on the road.
  3. Easy Instalment Plan: RAK offers an easy installment plan facility that allows you to convert your car insurance policy premium into equated monthly installments. You can pay premiums in easy 3, 6, 9, or 12 months’ installments.
  4. Roadside assistance: RAK BANK motor insurance offers 24x7 free roadside assistance service in case of emergency support, in the event of a mechanical or electrical breakdown. 
  5. Car Registration Renewal Facility: With the RAK car insurance Dubai, you can avail of a car registration renewal service on a complimentary basis.
  6. Comprehensive Coverage: You can avail of comprehensive coverage for a maximum of 15 years.
  7. Dealer’s repair coverage: With the RAK Car Insurance, the dealer’s repair coverage is available for a maximum of 5 years.
  8. Attractive Discounts: Safe drivers can save up to 50% on their RAK car insurance premiums.
  9. 24x7 Customer Support: RAK car insurance has a team of dedicated customer support representatives who are trained to assist you with all your auto related queries.

Additional Covers Under RAK Car Insurance

There are several additional covers/add-ons available under RAK car insurance. You can opt for any add-ons of your liking by paying a little extra premium to enhance the coverage. Let’s take a look at RAK’S additional covers:

  1. Rent a car benefit
  2. Personal accident cover for driver
  3. Personal accident cover for passengers
  4. Benefit of courtesy car cash
  5. Track day coverage

RAK Car Insurance Eligibility Criteria

Below-mentioned is the eligibility criteria to buy RAK auto insurance:

  • All the RAK customers are eligible to buy RAK Car Insurance.
  • UAE residents can also opt for the car insurance offered by RAK.
  • To be eligible for RAK motor insurance, all customers must have a valid driving license in the UAE.

Documents Required to Apply for RAK Car Insurance

You need to submit the following documents to apply for RAK car insurance:

  • Copy of vehicle registration
  • Copy of driving license
  • Copy of passport with a valid visa page
  • Vehicle quotation copy/LPO (for brand new automobiles)

RAK Car Insurance Claim process

Filing for a a RAK car insurance claim is simple and straightforward. All you need to is follow the steps given below and get your due claim:

  • Step 1: Report an Incident to the police.

Go to the police, report the matter and get a police report.

  • Step 2: Inform the Insurer

Then you must notify RAK by calling on the RAK insurance motor claim contact number 04 2130000 or send an email at GI@rakbank.ae. Alternatively, you can visit a nearby RAK branch to file for a claim.

  • Step 3: Submit Required Documents

Submit all the required documents like - original police report or court documents, claim form, driving license, registration copy, passport etc.

  • Step 4: Claim Assessment

Once the documents are submitted, the insurer will assess the details and initiate the claim process. 

Frequently Asked Questions on RAK Car Insurance

Q.1. Can I select a garage of my choice for repairs?

Ans. If you opted for agency repairs, your car will be sent to the authorized dealer’s garage. Garage is often allocated on the basis of the type of vehicle, garage availability and nature of damage.

Q.2. How is my premium calculated?

Ans. The car insurance company considers several factors while calculating car insurance premium. Right from the driver’s age, driving experience, location, and claims history to vehicle value and type, RAK considers all these factors to decide the car insurance premium for any individual. Also, it may vary from one person to another due to variation in details provided by him/her.

Q.3. What if I do not carry my policy documents everywhere I go?

Ans. No, you do not need to carry your policy documents everywhere you go. You can just carry your registration card since it has the insurance policy number on it.

Q.4. Why should I Buy RAK Car Insurance?

Ans. Let’s take a look at key benefits of the comprehensive car insurance policy by RAK:

  • Complimentary agency repairs for the initial 2 years (for brand new vehicles only).
  • Complimentary Silver AAA card for emergency roadside assistance service.
  • Complimentary natural calamity cover - riots, strikes, earthquakes, storms, etc.
  • Geographic extension cover to sultanate for Oman for a maximum of 13 months (this is valid for brand new vehicles only)
  • There is no excess for windscreen damage claims.

RAK auto insurance offers exclusive benefits that aren’t provided by other car insurance companies. 

Q.5. Why should I opt for 13 months’ of RAK motor insurance?

Ans. There are many reasons why should you opt for 13 months of car insurance. Let’s take a look at a few ones here:

  • The traffic department of the UAE insists people on a 13 months’ insurance certificate every time they register an automobile.
  • The 13 months’ insurance need is intended to minimize number of uninsured automobiles on the roads.
  • The traffic department offers you registration for one year and provides one month extra as a grace period to allow you to re-register the same year.