Replacement Car Coverage the Best-Selling Vehicle Insurance Add-On of UAE

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*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
As per a leading comparison site of the UAE, the replacement car cover is the best-selling add-on of the country in the second quarter of the year 2018.

Through the analysis of the sales data of various insurance companies, it is found that 20% of the insurance buyers of the UAE have selected at-least one add-on in the Q2 of 2018. Out of this 20 %, 43% have opted for the replacement car cover and paid AED 174 for the same.  

It is to be noted that the most basic level of vehicle insurance coverage mandated by the Insurance Authority of the UAE as well offers cover for the replacement of the car in case of an accident, but to the party who is not at fault in the mishap.

However, if you select the car replacement cover as an add-on, you can get your car replaced in case of an accident irrespective of your fault.

Therefore, it is good to purchase this car insurance rider just like it is always better to take comprehensive car insurance in UAE than a third-party insurance policy for your vehicle. A car replacement add-on ensures that you get enough coverage in case of any unfortunate event like an accident irrespective of the circumstances.

Another most popular add-on cover that ranks second in the rider's category of vehicle insurance in UAE is cover for ‘personal accident’. This second-largest selling car insurance add-on of UAE was purchased by 27% of the car insurance buyers at AED 120. The third in this row is ‘breakdown cover’ that 20% of the insurance buyers opted for at an average rate of AED 47.

It is to be noted that the breakdown cover mentioned above does not offer any coverage against mechanical repairs. All you get is a service to get your car from the place where it has broken down to the workshop of your choice. Therefore, if your car insurance policy does not provide the towing of your car in case of a breakdown, then spending AED 47 for this service is worth to invest.

The above mentioned are the riders that you can add-on on to your car insurance policy in UAE. However, the basic covers that most of the insurance plans for vehicles provide in the United Arab Emirates are dependent on the policy that you take. There are two types of car insurance policies available in this country:

  • Third-Party Insurance or Third-Party Liability (TPL): It is one of the most affordable options to buy coverage against any damage or loss incurred to third-party property or person by you in case of an accident. You have to pay for the cost of repair of your car if it gets damaged in the accident.
  • Comprehensive Coverage or Comprehensive Insurance: To get wider protection in case of an accident, select this type of car insurance policy. In a comprehensive car insurance plan, apart from the third-party cover, you will get coverage for your own car’s damage regardless of your fault. It also provides protection against theft, fire, and vandalism to your vehicle. The rate of claim settlement in case of the comprehensive cover is much faster than third-party insurance. It is because; a comprehensive insurance plan pays out despite the person responsible for the accident. This policy typically pays for all the repair works of the car of the policyholder. However, if you have third-party insurance, but you are not at the fault in an accident, then it is suggested to wait for the insurance company of the other person to agree to pay.


In this way, buying an add-on like a replacement of car gives you an opportunity to protect your vehicle in case of any mishap like an accident in which your car is damaged severely. You can purchase these add-ons online and buy an insurance policy online also.  

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