RSA Car Insurance

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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.

Types of RSA Car Insurance

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:

1. Motor Value

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.

2. Motor Smart

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.

3. Motor Executive

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
Vehicle Inspection No Yes Yes
Document handling No Yes Yes
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)
Oman cover Yes Yes Yes
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
Basic Cover Yes 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
Windscreen protection 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
Agency repairs No Optional Yes
Breakdown recovery Optional Optional Yes

Features and Benefits of RSA Car Insurance

Royal Sun Alliance Car Insurance offers a wide range of features and benefits. Let’s take a look at its key features and benefits:

  1. Online Discount: You can avail of a discount of 10% on buying royal and sun alliance car insurance online through the company’s official website.
  2. Oman Cover: Royal sun alliance car insurance policies offer comprehensive cover which includes third-party liability, theft, fire, and more while driving in Oman.
  3. Document Handling: Royal Sub Alliance (RSA) will process your documents with the transport authorities on your behalf.
  4. No Claim Bonus: A car insurance premium might become a financial burden since it’s a recurring expenditure. Nevertheless, certain offerings such as No Claim Bonus can assist in reducing the premium value for not filing an insurance claim in the previous year and maintaining an accident free record.
  5. Extensive Coverage: Each of the Royal and Sun Alliance auto insurance plans offer extensive coverage to provide you the protection in the hour of need.
  6. Secure Payment Experience: Buying an RSA Direct Car Insurance policy online reduces the exchange of physical cash and ensures more transparency in payment via online modes of payment of your choice including debit/credit cards, net banking, online wallets, etc.
  7. 24x7 Customer Care Support: Any doubt or query regarding the purchase of RSA assurance automobile insurance will be solved through chat or telephonically, helping you to buy the policy in a hassle-free manner.
  8. High Claim Settlement Ratio: RSA has the highest claim settlement ratio in terms of the number of settled claims with 99.46%.

Inclusions in RSA Car Insurance

Following are the inclusions in RSA motor insurance Dubai:

  1. Ambulance Cost: In an event of an accident, RSA will cover the ambulance cost.
  2. Third-Party Liability Property Damage: Keeping in the mind a range of road accidents, RSA offers coverage of a maximum of AED 5 Million for property damage in Motor Executive Plan while it is up to AED 3.5 Million for property damage in Motor Smart and Motor Value Plan.
  3. Oman Cover: All RSA car insurance plans offer Oman coverage.
  4. No Claim Discount: RSA offers no claim bonus that is earned by you for making no claims in the previous policy year and maintaining an accident free record.
  5. Basic Cover: The company offers an unlimited third-party liability cover for bodily injury.
  6. Personal Accident Benefits cover for passenger: You can avail a personal accident benefit cover for the passenger for a maximum of AED 200,000.

Exclusions in RSA Car Insurance

There are a few claims for damage or loss which are not compensated by RSA:

  1. Insured automobile utilized beyond the authorized usage limits
  2. Driving under the influence of drugs, alcohol, and other narcotics substances.
  3. Driving an insured vehicle without a valid driving license
  4. Electrical and mechanical failure
  5. The damage of tires doesn’t happen at the same time as damage to the insured vehicle
  6. Usage of the motor vehicle for purposes except those mentioned in the insurance application.
  7. If it is proven that the insured vehicle has been used in speed race or test

Additional Covers Under RSA Car Insurance in UAE

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

  1. Agreed Value Cover
  2. Personal Accident Cover for Driver
  3. Using your Vehicle in GCC countries
  4. Breakdown recovery
  5. No Claim Discounts
  6. Temporary Hire a Car cover
  7. Agency Repairs

Motor Value Optional Covers

  1. Personal Accident Cover for Driver
  2. Breakdown recovery

What Documents are Required to Avail RSA Car Insurance?

You will need to submit the following documents in order to opt for RSA auto insurance in UAE:

  1. Copy of vehicle registration
  2. Main driver’s license
  3. Trade license copy
  4. Tax registration number

How to Make a Claim Under RSA Car Insurance?

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:

  • Step 1: Register Your Claim

First of all, you need to register your claim with RSA online through the company’s official website. Alternatively, you can visit the branch office to submit all the required documents or call on customer care number at 800 774 and speak with one of the company’s team members.

  • Step 2: Avail your Claim Number

Afterward, you should immediately get a notification of your successful registration through an email. If, in case, you do not get this notification, then dial the RSA car insurance number i.e. 800 774. You can contact them from Saturday to Thursday.

  • Step 3: Further Steps

RSA car insurance claim team will reach out to you and guide you through the next steps and claim processes. You’ll be suggested to go to the workshop with a subsequent follow-up on the repair status.

Frequently Asked Questions on RSA Car Insurance

Q.1. How will I know the RSA car insurance renewal date?

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.

Q.2. What is all about excess (deductible)?

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.

Q.3. I have purchased only a third-party liability car insurance policy, what will this policy cover?

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:

  1. Bodily injury or death to any third-party.
  2. Damages to third-party property arising out of the usage of the insured automobile. Please note that this type of car insurance policy doesn’t cover any loss or damage to your own automobile.

Q.4. How will I get the payment for my RSA car insurance Dubai claim?

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.

Q.5. What type of roadside assistance services RSA does offer?

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.