Third Party Car Insurance

Why do you think you might need third-party car insurance in the UAE? The major reason behind this is a whopping rise in road accidents, in spite of strict traffic rules in place. The mishaps can be attributed to perilous driving practices that are relatively common, especially on highways. But what do you do when a third party asks you to pay for the damage repairs after a harrowing accident? In such cases, third party car insurance is your only way to mitigate this financial burden

Third-party car insurance works a little differently from regular car insurance in Dubai. So, basically, it is to cover for damages done to a third party. Let us move ahead and learn more about how third-party car insurance works.

What is Third Party Car Insurance?

Third party car insurance covers all the damages, accidentally caused to a third-party vehicle by you. However, third-party liability insurance does not cover any damages incurred by your vehicle. Third-party car insurance in the UAE is basic and obligatory auto insurance, mandated by the law. Third-party car insurance, also known as third-party liability insurance (TPL), is generally economical in comparison to a comprehensive car insurance policy.

Third party insurance Premiums on Policybazaar.ae start from AED 630 per year*, making it one of the more affordable ways to stay covered. You can compare insurance plans from multiple insurers in one place and check liability limits, claim support and optional benefits before choosing.

What are the Inclusions of a Third Party Insurance?

Here is the list of inclusions for third-party car insurance in the UAE.

• Bodily injury or death to a third party
• Damage to third-party’s property caused by the insured

What are the Exclusions of the Third Party Car Insurance?

Here is the list of exclusions for third-party insurance in the UAE.

• Car replacement
• Injuries/damages caused to the insured vehicle during a mishap
• Contractual liability is excluded
• Any damage caused due to an ongoing war, war-like situation, nuclear risk, etc.
• Accidental death or any injury to the owner of the insured
• When driving without a valid driving license
• Intentional injury or damage
• Driving and causing an accident when under the influence of drugs and/or alcohol

Third Party Liability Car Insurance Add-Ons

Generally, car insurance(تأمين السيارات) providers do not have a lot of options for add-ons for third party car insurance plans. However, depending on the car insurance provider that you have, you may have the option to add the following add-ons with the basic third-party liability cover:

• Personal Accident Cover for Drivers
• Personal Accident Cover for Passengers

Eligibility Criteria to Buy Third Party Car Insurance

Following is the eligibility criteria for buying third-party car insurance in UAE:

• Any UAE national or residents who own a car registered in UAE under their name
• Minimum age for buying car insurance – 25 years
• Maximum age for buying car insurance – 65 years (may fluctuate a little as per providers)
• The applicant must have a valid driving license. The applicant should have had their license for about 2 years in case they have migrated from a foreign country, preferably.

How to Buy Third (3rd) Party Car Insurance in Dubai, UAE?

Third-party insurance in Dubai comes in handy in the hour of need. It is mandated by law, so you don’t have a choice there, however, you can do great by choosing the right third-party insurance.

Here is an easy way to help you find the best third-party car insurance in UAE:

1. Explore the Market: Shop around, explore various options available and bag one that suits you. Make an informed decision by carefully considering your requirement from a plan.
2. Car Mileage Counts: Insurers consider the more you drive, the more are the chances of meeting with accidents. Reducing your car mileage will lead to a lower auto insurance premium.
3. Bundle the Insurance Policies from One Insurer: It’s true that you can’t do a lot about TPL premium, as it is decided by the UAE Insurance but, by buying multiple insurances from one insurance provider; you can get competitive premium rates.

Third-party insurance premium in the UAE is regulated by the UAE Insurance Authority. However, it has been noticed that car insurance premium in the country has drastically been increased over the period.

As comprehensive insurance comes with a higher cost, most of the people in the UAE prefer third-party liability insurance because it is quite affordable & cheaper than any other policy.

Documents Required to Buy a Third Party Car Insurance Plan in Dubai, UAE

Following are the documents that you will need to present when buying a third-party car insurance plan:

• Driving license of the owner of the car
• Previous insurance details (if any)
• Registration number and documents of the car
• No claim bonus retention certificate (if any)
• Emirates ID of the applicant
• Passport of the applicant
• Visa page as residency proof
• Additional documents and details like chassis number

Note: confirm with your insurance provider if any additional documents are required as well.

Documents Required for Car Insurance in UAE

How to Renew Third Party Liability Insurance in the UAE?

Renewing a car insurance policy on time is important for every policy holder to keep on enjoying the benefits of the plan uninterruptedly. You can renew the policy online or offline. To renew it online:

1. Visit the official website of the insurance provider in the UAE.
2. Mention the policy details such as policy number, type of policy, etc.
3. Get the suggested premium.
4. Pay the premiums online through credit/debit card or net banking.
5. Get the instant renewal notification through SMS or mail.

If you wish to renew the policy offline, you can visit the branch of the insurer, pay the premium and get it renewed.

What is the difference between Comprehensive and Third Party Car Insurance?

Category	Comprehensive Car Insurance	Third-Party Car Insurance
Coverage	Cover for your own damages and third-party damages as well, based on your car insurance policy terms	Covers you only against third-party damages and losses
Advantages	Protects your pocket from the cost of both damages to your own car and third-party damages as well	Protects your pocket from traffic fines if you accidentally hurt someone on the road
Premium	Comprehensive car insurance is quite expensive when compared to a third-party car insurance plan	Third Party insurance Dubai price is comparatively lower as it doesn't cover any damages to your own vehicle
Customization	Can be customized by adding some specific add-ons based on your needs	No customizations can be done in this type of insurance plan

The First Third-Party Motor Insurance for Rain & Flood Damages in UAE Starting @ AED 350

How to File Third Party Car Insurance Claims in UAE?

Whether you have been in a minor accident or a major collision, it is essential to know how to file a third-party insurance claim. Let’s take a closer look at the scenarios below —

Scenario 1 – When YOU are at Fault

• Call the Police – Report the accident immediately. The police will inspect the situation and issue a police report.
• Get the Police Report – Get a copy of the police report or a hard copy from the accident scene itself.
• Inform the Provider – Once you have this report, inform the insurance company about the accident in detail and share the report too.

Note – Since you are at fault, the third party will file a claim with their insurance company. Your insurance company will align with its provider for settlement.

Scenario 2 – When the OTHER Driver is at Fault

• Obtain the Police Report – Get a police report of the incident specifying that the other driver is at fault.
• Connect with the Insurance Company – Inform the insurance provider about the accident. Share with them the police report and accident details.
• Initiate the Claim – Your provider will file a recovery claim against the other driver’s insurance company.
• Claim Settlement – Once the fault is confirmed, your insurer will arrange for repairs and recover the cost from the third party’s insurance company.

⚡ Quick Hacks –

1. Always get a police report, irrespective of the severity of the accident
2. Take photos and videos of the accident scene as evidence
3. Don’t give in to accepting your fault or sign any documents from the third party
4. If you need any other help with the process, connect with your provider or Policybazaar UAE’s support team for assistance

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