Third Party Comprehensive Car Insurance

Third Party Car Insurance

Before we discuss the third party car insurance, it is important to understand the situations under which car insurance is mandatory in UAE. It is necessary to have a car insurance policy before getting your car down the road, but there are various reasons why is it mandatory. One of the reasons to mandate the car insurance is due to the current circumstances of road accidents in the UAE. Even though the road rules are strict in the country, perilous driving practices are relatively common, especially on the highways.

This causes a whopping 600 road accidents every year in the UAE. In the beginning, the number doesn’t look alarming; however, while comparing it with the size of the country and population, you get an alarming ratio to take care of. For every 100,000, 24 individuals get killed because of road accidents. The fact that road accidents are the second main cause of death in the country is also disturbing. Therefore, car insurance, which is a comprehensive package, is important.

What is Third-Party Car Insurance?

Third-party insurance is the most fundamental and obligatory type of car insurance as per the UAE law. The third-party plan is generally economical as compared to the comprehensive car insurance policy and covers all the damages caused to the third party by your vehicle. Third party liability insurance does not cover any damages to your own vehicle.

Third-party car insurance Dubai is mandated by the law in order to register your vehicle.

Inclusions of the Third party car insurance:

  • Third-party motor insurance covers any damages caused due to theft like stolen music system or accidental fire or broken window.
  • Bodily injury or death of the third-party or individual as well as damage to property caused by the insured car.

Exclusions of the Third party car insurance:

Third party car insurance does not include the following:

  • No option for car replacement
  • Injuries/damages caused during a mishap
  • Coverage for the damages to your own car

Comprehensive Car Insurance

A comprehensive insurance policy offers the maximum level of cover, for both the third-party and you. Comprehensive Car Insurance is the highest level of motor insurance available, which gives you holistic peace of mind.

What is a Comprehensive Car Insurance?

Put simply, comprehensive auto insurance is a type of vehicle insurance that protects or covers the insured financially against various unforeseen events including car theft and road accidents with maximum possible benefits. This is the decent package that the car insurance providers in UAE offer. Moreover, if your car is your cherished possession and you love your life, comprehensive vehicle insurance must be your first choice. What’s more, it safeguards your money if you buy your car through loans or credits. Although comprehensive motor insurance doesn’t cover you, you can do this through a personal accident cover that comes as an additional rider while taking car insurance.

There are three sub-categories of comprehensive car insurance. They are:

Fully Comprehensive/Comprehensive (Basic):

Insurance providers in UAE are legally compelled to offer this type of insurance cover at a price level of around 3-5 per cent of the car’s value. This policy offers cover for damages to your own car.

Comprehensive Premium Level:

With an added 2 per cent car’s value being paid this policy has lesser constraints with certain limitations and conditions.

Comprehensive with Options:

This policy consists of options like insurance in other GCC countries together with the credit of no-claim bonus, dealer repair, and free car hire. These will cost the insured about 3-10 per cent of the value of the car.

Major Facets covered under Comprehensive Car Insurance:

Comprehensive Motor Insurance covers the following key facets or costs:

  • Damages or loss of a third-party vehicle, involved in the event or accident, as well as the medical treatment expenses for the people, affected or injured in the mishap.
  • It also offers cover for accidental damages, medical expenses together with the loss of or any kind of damage caused to the insured car’s personal belongings.
  • A few comprehensive motor insurance, also offer riders for add-on protection.
  • Roadside Assistance
  • Off-road coverage

A road accident that causes damage or injury can create fiscal implications, although the comprehensive cover is often costly in comparison to third-party car insurance, always better coverage can help you save your hard-earned money in the long run.

So, be it third-party or comprehensive, car insurance is essential for your vehicle. Car insurance policy offers an adequate financial help in case of unfortunate events. It is better to be safe than sorry.

You can buy and compare third-party or comprehensive car insurance here and make a wise well-informed decision. As it is mandatory to have car insurance in UAE, you just can’t afford to miss out on the necessary details. This page will help you go through all the minor and major details about third-party car insurance and comprehensive car insurance. 

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