RSA provides you with an opportunity to choose from three levels of car insurance plans - Motor Value, Motor Smart, and Motor Executive. Most of these car insurance plans offer distinctive cover for vehicle inspection, ambulance expenses, handling documents, and breakdown recovery services. ...read more
RSA car insurance is one of a kind auto insurance provider that’s known to offer unmatched insurance services to its customers in the UAE. RSA offers three levels of insurance covers for your automobile with a benefit of a comprehensive car insurance policy and third-party liability car insurance cover. With 99.46% claims satisfaction, No claim bonus, and plenty of add-on covers and optional benefits, RSA motor insurance stands above all car insurance policies.
RSA offers three levels of car insurance options to stay protected behind the wheel. You can choose any of them as per your insurance requirements. Following are the types of RSA auto insurance policies available in the UAE:
It is the most basic car insurance plan that covers third-party liability. RSA motor value car insurance plan covers you against bodily injury or death to any third-party. In addition to this, it covers damages to third-party property arising out of the usage of the insured automobile. Please note that this plan doesn’t cover any loss or damage to your own automobile.
It is a comprehensive car insurance policy that covers loss or damage to the insured automobile including enhanced protection as well as third-party liability. Meaning that the RSA motor smart car insurance plan covers loss or damage to your own vehicle as well as third-party liability.
This plan offers highest level of coverage with higher limits in the UAE. It includes everything you and your vehicle will ever require. Also, all the optional covers are included in this RSA motor executive car insurance plan to provide maximum level of protection to its customers whenever required.
Below is the coverage offered by RSA car insurance plans in the UAE:
|RSA Auto Insurance Plans|
|Covers||Motor Value||Motor Smart||Motor Executive|
|Ambulance cost cover||Yes||Yes (Up to AED 6770)||Yes (Up to AED 6770)|
|Third-party liability for property damage||Yes (Up to AED 3.5 Million)||Yes (Up to AED 3.5 Million)||Yes (Up to AED 5 Million)|
|No Claim Discount||Yes||Yes||Yes|
|Coverage for driving Another Vehicle||No||Yes||Yes|
|Emergency medical expenses||No||Yes (Up to AED 3500)||Yes (Up to AED 6,000)|
|Emergency repairs||No||Yes (Up to AED 1000)||Yes (Up to AED 1000)|
|Valet Parking and/or garage||No||Yes||Yes|
|Personal Possessions||No||Yes (Up to AED 5000)||Yes (Up to AED 7500)|
|Personal injury cover||No||Yes (Up to AED 20,000)||Yes (Up to AED 20,000)|
|Third-party liability cover for passengers or family||No||Yes||Yes|
|Taxi fares||No||Yes (Up to AED 300)||Yes (Up to AED 500)|
|Damage or loss to the insured vehicle||No||Yes||Yes|
|Lock replacement cover||No||Yes (Up to AED 5000)||Yes (Up to AED 7500)|
|Off road coverage||No||Yes||Yes|
|Perils of nature||No||Yes||Yes|
|New vehicle replacement||No||Yes||Yes|
|Personal accident benefit cover for driver||Optional (Up to AED 200,000)||Optional (Up to AED 200,000)||Yes (Up to AED 200,000)|
|Personal accident benefit cover for passengers||Yes||Yes (Up to AED 200,000)||Yes (Up to AED 200,000)|
|Using a vehicle in GCC countries||No||Optional||Yes|
|Temporary hire a car cover||No||Optional||Yes|
|No claim discount protection||No||Optional||Yes|
Royal Sun Alliance Car Insurance offers a wide range of features and benefits. Let’s take a look at its key features and benefits:
Following are the inclusions in RSA motor insurance Dubai:
There are a few claims for damage or loss which are not compensated by RSA:
As mentioned above, there are currently three RSA car insurance plans available in the UAE. Among the three plans, the Motor executive plan offers the highest level of coverage that includes everything you and your vehicle will require. However, the other two RSA vehicle insurance plans i.e. Motor Smart and Motor Value plan also offer extensive coverage but it is less in comparison to the executive plan and it does have its certain limitations.
But, you can enhance the coverage of your existing motor smart and motor value plan. All you need to buy optional covers by paying an extra premium. Below are the optional covers available under Royal Sun Alliance Motor Insurance plans:
Motor Smart Optional Covers
Motor Value Optional Covers
You will need to submit the following documents in order to opt for RSA auto insurance in UAE:
The RSA motor insurance claim process is quite convenient which includes three simple steps. So, have a look at the below-mentioned steps that you need to follow in an unforeseen event of an accident of the insured vehicle to lodge a claim:
|How to File Your Car Insurance Claim in the UAE|
Ans. In order to know the RSA car insurance renewal date, you need to check your car registration card and also your policy schedule. In addition to this, the company will send you a reminder through SMS and an email near the time when your policy is about to expire.
Ans. The excess i.e. deductible is basically the contribution that is made by you at the time of non-recoverable claims due to an accident.
Ans. This is the most basic type of auto insurance policy that is mandatory for all vehicle owners in the UAE as per the RTA law. Moreover, third-party liability car insurance covers you against:
Ans. Once your RSA motor insurance claim has been settled, a team member from RSA will call you to collect a cheque or arrange a bank transfer. But please keep in mind that the transfer will only be made to the registered owner of the vehicle.
Ans. If you are stuck in the middle of nowhere & that is within the limit of the United Arab Emirates, RSA has got you covered. Its 24x7 accident and RSA insurance breakdown assist services can be bought as an additional cover with the comprehensive car insurance policy while it is already included as standard in executive cover. This includes several RSA insurance roadside assistance services like battery boosting towing, car registration, off-road assistance, etc.