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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

What are the Benefits of Having Third-Party Liability Insurance in the UAE?

The most significant benefits of buying third party car insurance for your vehicle are listed below:

  1. Insurance Protection against Liability: It ensures complete protection against liability arising from a third party in case of an accident.
  2. Protects Your Savings: The third-party car insurance offers a financial safety net and restrains you from dipping into your lifetime savings.
  3. Premiums at Affordable Rate: Third-party insurance can be availed at an affordable rate.
  4. Abide by the UAE Law: Third-party car insurance in the UAE is mandatory by the RTA law, so one can’t deny it.
  5. Provides Absolute Peace of Mind: This insurance cover provides the insured a complete peace of mind by offering legal cover & financial assistance in case of a third party damage.

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
  • Intentional injury or damage
  • Driving and causing an accident when under the influence of drugs and/or alcohol

Third-Party Car Insurance Add-Ons

Generally, car insurance 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

Best Third-Party Car Insurance Companies in UAE

Following is a list of all top third-party insurance companies in UAE and the highlights of their offered plan:

Third-Party Car Insurance Companies

Key Highlights

AXA Third-Party Insurance

  • Basic third-party liability cover
  • Personal accident cover add-ons
  • Divers and passenger
  • Oman Cover extension

New India Third-Party Car Insurance

  • Basic third liability cover
  • No add-ons available

Oriental Insurance Third-Party Car Insurance

  • Basic cove for legal liabilities
  • Personal Accident cover add on
  • Drivers and passengers both
  • Category A Class 1 garage repairs

Qatar Third-Party Insurance Qatar          

  •  Basic third-party liability cover

Tokio Marine Third-Party Motor Insurance

  • Basic Cover for third-party liability
  • No Claim Bonus
  • National ambulance cover
  • Personal accident cover add-on
  • Third-party family cover add-on

Fidelity United Third-Party Insurance

  • Basic third-party cover
  • Persona accident cover add-on
  • Emergency medical expense add-on
  • Rental facility add-on
  • Own damage extension add-on

Watania Third-Party Insurance

  • Basic third-party liability cover

RSA Third-Party Insurance

  • Basic third-party liability cover
  • Oman Cover
  • Personal accident cover for passengers
  • Ambulance services
  • No claim bonus

DNIRC Takaful Third-Party Insurance

  • Basic third-party liability cover
  • Personal accident cover included

ADNIC Insurance Third-Party Insurance

  • Basic third-party liability cover

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.

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How to Buy Third-Party Car Insurance in the 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

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.

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.

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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 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

How to Compare Third-Party Insurance Online?

Online comparison is one of the most reliable ways to make sure that you end with a right insurance plan in your hands. A comparison enables you to find a policy that perfectly suits your insurance needs.

Here is the list of things you must compare to while choosing a third-party car insurance plan for yourself.

  • Offerings
  • Premium
  • Claim settlement ratio

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You can visit Policybazzar.ae, to compare third party car insurance plans. Here, you’ll find all the details like - car make and model, manufacturing year, cubic capacity, personal information, etc. The website compares the plans based on your needs and comes up with the best available options.

How to File Third-Party Car Insurance Claims?

Two possible scenarios can present themselves when an accident has happened. First – where you are at fault and the second – where the other driver is at fault. Following is the list of steps you should follow as per the scenario.

Case 1 – When you are at fault 

  • Lodge an FIR and get it sent to your email or home.
  • Contact the insurance company and inform them about the accident.
  • Give a proper and honest description of the accident and forward the FIR
  • You as the defaulter do not have to raise any claim here. The other party (third-party) will raise the claim via their insurance and your provider will take it from there. 

Case 2 – When the other party is at fault

  • Have the FIR lodged and get a copy of the original for yourself
  • Send it to your insurance provider and explain the events that took place
  • After investigating the situation, your insurance company will raise a claim against the third party and contact their insurer.
  • Claim payout will be handled by companies themselves as soon as the defaulter has been established. 

FAQs on Third-Party Car Insurance

Q1.  Is it mandatory to buy third party car insurance?

Ans. Since it is the most basic form of car insurance covers, it is mandatory to buy at least a third-party car insurance cover in the UAE. Although, if you already have bought comprehensive car insurance for your car, it will not be necessary to buy an additional third-party cover. 

Q2. What is the basic tenure of a third-party car insurance plan?

Ans. Most third-party plans have a tenure of 1 year and are required to be renewed once every year, for as long as you want to continue. 

Q3. Is third-party car insurance transferable to another person?

Ans. Third-party and every other kind of car insurance cover are transferable to another person in case you are selling the car. Third-party car insurance can only be transferred to another person if it is accompanied by a transfer of car ownership. 

Q4. Is no claim bonus available on third party car insurance?

Ans. No claim bonus discounts are generally not applicable on third party car insurance plans, whether you make a claim or not. Although, some providers may run special offers for it. 

Q5. Can zero depreciation cover be bought with a third-party liability cover?

Ans. The only add-ons available with third party car insurance covers are personal accident covers for drivers and passengers. You can-not buy a no depreciation cover with third party car insurance.

Q6. Is it possible to upgrade my third-party car insurance plan to a comprehensive car insurance plan?

Ans. Yes, you can easily upgrade your third-party car insurance plan to a comprehensive plan during the tenure of your plan. 

Q7. When can I update my car insurance policy?

Ans. A car insurance policy can only be upgraded or changed at the time of the renewal of the plan. You simply need to choose a new and the add-ons that you want to buy and renew the car insurance policy with them instead of your old plan to upgrade. 

Q8. Do all insurance providers offer a personal accident add-on cover with third party car insurance plans?

Ans. Not all providers offer add-on facility with third party car insurance plans. But most top third-party car insurance companies in UAE offer the personal accident cover add-ons. 

Q9. Can the premium amount for my third-party car insurance be paid in instalments?

Ans. No, the premium amount due must always be paid in full. Always confirm the terms and conditions of your car insurance plan with the insurance company to be clear about your payments and dates to avoid problems. 

Q10. Can I cancel my third-party car insurance policy?

Ans. Yes, you can cancel the policy at any time you like. Depending on the individual terms of your insurance provider, you may get a refund on the premium amount on a pro-rata basis as well.