Continue reading below to find out more about AXA car insurance renewal and all the key factors related to car insurance renewal in the UAE.
Buy Car Insurance in 30 Seconds !
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.
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|
|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|
|Dynatrade repairs||Yes (Based on allocation)||Yes (Based on allocation)||No|
|GCC cover (own damage coverage)||Oman and Qatar||Optional (Oman and Qatar)||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|
|Garage repair guarantee (body & paint)||No||No||No|
|Garage repair guarantee (mechanical)||No||No||No|
|Coverage of motor trade road risks||No||No||No|
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:
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:
Below-mentioned is the eligibility criteria to buy RAK auto insurance:
You need to submit the following documents to apply for RAK car insurance:
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:
Go to the police, report the matter and get a police report.
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.
Submit all the required documents like - original police report or court documents, claim form, driving license, registration copy, passport etc.
Once the documents are submitted, the insurer will assess the details and initiate the claim process.
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:
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: