Union Car Insurance

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Union Insurance Company was established in 1998. It is listed on Abu Dhabi Securities Exchange and is also certified by the UAE Insurance Authority. The company has a strong presence in the UAE car insurance market. It provides its customers with the most innovative and comprehensive insurance products.

It offers both standard and personalized insurance cover to individuals, SMEs, large enterprises, and government bodies in the UAE. It is one of the renowned providers of car insurance in Dubai, UAE and it continues to provide a sense of security to its customers by offering financial protection against all the potential risks.

Additionally, its team of dedicated professionals offers insurance services like risk evaluation and gap analysis of policy coverage to the customers, making individuals and companies pick the best insurance products and services available in the market..

Why Union Motor Insurance?

Union Insurance provider offers affordable and comprehensive motor insurance plans that not only offer the basic benefits of car insurance but also offer to many optional benefits and are personalized to align with your existing as well as evolving needs. It offers an unbeatable service experience to its consumers. Additionally, the Union Motor’s car insurance renewal process is simple and hassle-free, guaranteeing an amazing customer service experience.

The company has designed multiple car insurance plans for you to select from, and they will assist you every step of the way.

Types of Union Car Insurance Plans

Union Car Insurance has Worked strenuously to develop a wide variety of unique packages to meet the particular requirements of its customers. Currently, there are 3 types of Union Car Insurance Plans in the UAE market. Each of these car insurance plans offer their own combination of services and rewards as detailed below.

Union Motor Standard Comprehensive Plan 

This motor insurance plan as the name suggests offers a comprehensive cover to your vehicle. It ensures complete protection against any unfortunate road events that threaten you and your vehicle. The vehicle insurance renewal of this policy is equally customer-friendly, adding to its popularity. Mentioned below are the key features of the Union Motor Standard Comprehensive plan:

  • The Union Motor Standard Comprehensive plan offers third party property damage up to AED 3.5 million
  • The plan also offers coverage for theft as well as fire
  • Union Insurance covers accident of overturning under this plan
  • The personal accident benefit offered to the driver under this plan is up to AED 200,000
  • This plan also offers a personal accident benefit to the family members of the policy holder up to a sum of AED 200,000
  • This Union Insurance plan covers the ambulance services in case of an acident up to a sum of AED 6,770
  • It covers vehicle damage caused due to natural calamities alongwith riots and strikes under its aegis
  • The emergency medical expenses covered under this plan is up to AED 3,000
  • Roadside assistance is covered under the Silver plan for the users of the Union Motor Standard Comprehensive plan

Key Benefits of  the Union Motor Standard Comprehensive Plan

  • The Union Motor Standard Comprehensive plan covers valet parking theft
  • It covers unlimited third party bodily injury
  • The Union Motor Standard Comprehensive plan is valid all accross the UAE as well as Oman
  • It offers replacement of vehicle locks up to AED 1,000
  • A waiver of mandatory excess up to AED 1,000 is provided under this plan for windscreen damage
  • Auto gap for brand new vehicles is offered under this insurance plan for a period under 6 months
  • Coverage up to AED 10,000 is offered for personal injjury caused to the insured and/ or their spouse
  • Agency repairs for the insured vehicle is offered for a period lasting up to 5 years

Union Motor Superior Comprehensive Plan

This insurance plan by Union Insurance makes sure to offer the policy holder a best in the world experience with its wide selection of optional benefits that enhance your coverage manifold. It also comes with an extremey quick and efficient car policy renewal to make it all the more appealing. Given underneath are the features of the Union Motor Superior Comprehensive plan:

  • The Union Motor Superior Comprehensive plan offers third party property damage up to AED 5 million
  • This Union Insurance policy covers accident of overturning under this plan
  • The personal accident benefit provided for the driver under this plan is up to AED 200,000
  • It also offers a personal accident benefit to the family members of the policy holder up to a sum of AED 200,000
  • It covers vehicle damage caused due to riots and strikes alongwith natural calamities under its aegis
  • This Union Insurance plan covers the ambulance services in the event of an acident up to a sum of AED 6,770
  • The emergency medical expenses covered under this plan is up to AED 6,000
  • It also offers coverage for theft as well as fire
  • Roadside assistance is covered under the Gold plan for the users of the Union Motor Superior Comprehensive plan

Key Benefits of  the Union Motor Superior Comprehensive Plan

  • The Union Motor Superior Comprehensive plan covers valet parking theft
  • This plan offers coverage for personal belongings as well up to a sum of AED 5,000 
  • It offers replacement of vehicle locks up to AED 5,000
  • It offers an off road cover for 4 wheel drive
  • The Union Motor Superior Comprehensive plan is valid all accross the UAE as well as Oman
  • This plan  covers unlimited third party bodily injury
  • An unlimiteed waiver of mandatory excess is provided under this plan for windscreen damage
  • Auto gap for brand new vehicles is offered under this insurance plan for a period lasting less than 12 months
  • Coverage up to AED 20,000 is offered in the event of personal injjury caused to the insured and/ or their spouse
  • The Union Motor Superior Comprehensive plan covers even the car registration service
  • Agency repairs for the insured vehicle is offered under this plan for a period lasting up to 5 years

Union Motor Third Party Plan

Union Motor Insurance has something to offer everyone. At the same time, the vehicle insurance renewal if this plan is extremely quick and easy. This basic insurance plan covers the damages to the third party by your vehicles, ensuring you and stress never collide. Given below are the prominent features of the Union Motor Third Party plan:

  • The Union Motor Third Party  plan offers third party property damage up to AED 2 million
  • This Union Insurance plan covers the ambulance services in the event of an acident up to a sum of AED 6,770
  • The personal accident benefit provided for the driver under this plan is up to AED 200,000
  • It also offers a personal accident benefit to the family members of the policy holder up to a sum of AED 200,000

Key Benefits of  the Union Motor Third Party Plan

  • This plan covers unlimited third party bodily injury
  • The Union Motor Third Party plan is valid all accross the UAE

Let us look at a comparative chart of the different car insurance plans offered by Union Insurance for your ease and convenienc

Features Union Motor Standard Comprehensive Plan Union Motor Superior Comprehensive Plan Union Motor Third Party Plan
Third party bodily injury Unlimited Unlimited Unlimited
Third party property damage Up to 3.5 million Up to 5 million Up to 2 million
Theft and fire Covered Covered -
Natural calamities Covered Covered -
Accident of overturning  Covered Covered -
Ambulance services Up to AED 6,770 Up to AED 6,770 Up to AED 6,770
Driver’s personal ccident benefit Up to AED 200,000 Up to AED 200,000 Up to AED 200,000
Geographical validity In UAE and Oman In UAE and Oman In UAE
Personal accident benefit for family Up to AED 200,000 Up to AED 200,000 Up to AED 200,000
Personal belongings - Up to AED 5,000 -
Riots and strikes  Covered Covered -
Vehicle replacement Additional premium applicable Additional premium applicable -
Locks replacement Up to AED 1,000 Up to AED 5,000 -
Emergency medical expenses Up to AED 3,000 Up to AED 6,000 -
Valet parking theft cover Covered Covered -
Mandatory excess waiver for windshield damage Up to AED 1,000 Unlimited  
Off road cover (4 wheelers) - Covered -
Personal injury to the insured and/or spouse Up to AED 10,000 Up to AED 20,000 -
Auto gap (for new vehicles only) Under 6 months  Under 12 months -
Car registration service - Covered -
Airport pickup and dropoff Additional premium applicable Additional premium applicable -
Roadside assistance Silver plan Gold plan  -
Taxi fare AED 100 AED 250 -
Service center pickup and dropoff Additional premium applicable Additional premium applicable -
Agency repairs Up to 5 years Up to 5 years -

Each of these plans cater to the specific needs of its policy holder and the car policy renewal service offered by Union Insurance adds to the popularity among car buyers all over the UAE.

Have a look at the Union Car Insurance Policy Benefits Below –

Key Coverage:

  • Agency Repair Service - It is one of the most sought-after features of a comprehensive car insurance plan. In case of any accidental damage, the insurer will get your car repaired through the authorized service center of your vehicle.
  • Replacement of Vehicle - This provision is provided to help the customer in obtaining a replacement on behalf of the customer’s own car which is the garage -post-accident for repairs.
  • Exclusive Motor Shield Cover - The customer can avail this benefit if it has impacted the customer’s job which took place due to any wrongful termination, under which the paid insurance premium will be taken care of by Union Motor Insurance.
  • Discounts - Avail discounts for every claim-free year and get rewards for your great driving skills and concessions on car insurance renewals.
  • Free Covers - Replacement of car lock, Windscreen damage cover.
  • Superior Auto Assist - The policy includes facilities such as roadside assistance, airport pick-up & drop-off, and many other concierge services.
  • Medical Assistance - Free emergency medical expenses cover
  • Personal Accident - This car insurance plan involves an inbuilt cover for a personal accident of up to AED 1 million.
  • Personal belongings cover is also provided up to a specified limit.

Special Features of Union Insurance

The company offers a special Etisalat Smiles Auto Insurance scheme to provide the maximum coverage to its customers. Some of the benefits of this plan are listed below.

  • You can earn 1,000 Etisalat Smiles Points for every AED 100 of the premium paid
  • Agency repair assistance for up to 5 years
  • Free Motor Shield - Loss of employment due to any wrongful termination is covered up to AED 5,000
  • Waiver of Deductibles for Windscreen Damage
  • 24*7 emergency roadside assistance
  • Ambulance cover
  • Coverage against natural disasters
  • Sim security benefits
  • Coverage extended to Qatar & Oman (Own-damage, Orange card is mandatory for Third-party Liability)
  • Personal belongings cover up to AED 5,000
  • Valet parking theft cover
  • Off-road service, if your vehicle is within 5 meters from the road (for station vehicle only)
  • Auto gap cover (for brand new vehicles not older than 6 months)
  • Lock replacement cover up to AED 1,000
  • Compensation for emergency medical expenses up to AED 6,000
  • Motor registration service
  • Dedicated customer care executives to ensure a quick response time

Optional Benefits of Union Car Insurance Policy

Listed below are some of the optional benefits offered by this Union motor insurance plan.

  1. One time pick-up & drop-off facility of the vehicle to the service center
  2. One time pick-up & drop-off facility to the airport
  3. Courtesy vehicle cash benefit
  4. Replacement of Vehicle for 5, 7, or 10 Days

Claim Procedure followed by Union Motor Insurance in the UAE

You can follow a 4-step, simple claim process for Union car insurance in Dubai, UAE. Their dedicated claim processing team helps the insured in resolving claim requests on time. You can also settle claims online-

  1. Simply log on to the claims section on the official website of Union Insurance Company
  2. Submit all the required documents
  3. The claim will be processed (if rejected, you can get in touch with them and re-submit your documents)
  4. Claim approval notification will be sent to you

Car Insurance Renewal Procedure followed by Union Motor Insurance in the UAE

One can follow a 5-step, car policy renewal process for Union car insurance in Dubai, UAE. Its quick, its easy and more importantly, anyone can do it from the comfort of their couch. Their dedicated car insurance renewal team helps the insured in case of any queries. All one has to do is:

  1. Visit unioninsurance.ae to begin the policy renewal of your car
  2. Confirm all your policy details by filling in the policy number alongwith the last 3 digits of the chassis number
  3. Review your existing plan. Make any required changes as per your needs
  4. Select and confirm the plan you want to choose
  5. Hit the ‘checkout’ button and viola! your vehicle insurance renewal is complete

Enjoy a discount of up to 10 percent upon finishing your car insurance renewal online.

Union Car Insurance FAQs

Q1. Do they provide insurance to corporates?

Ans: Yes, they do have special plans for corporates as well. You can easily buy one from their site and can also renew an existing corporate plan.

Q2. What is a Comprehensive Motor Insurance policy?

Ans: It protects against any physical losses or damage to the vehicle, the insured and the involved third-party along with roadside assistance. There are other additional benefits, which vary according to different plans levied by the insurer.

Q3. What do you mean by No Claims Discount (NCD)?

Ans: For every claim-free year, your insurer provides you with some discount on your existing policy premium as a reward for driving safely throughout the year.

Q4. What are Deductibles or Excess in a car insurance scheme?

Ans: At the time of claim payment, the insurer will reimburse a certain percentage of the amount and the remaining amount (excess or deductible) shall be paid by the insured. This is as per the policy provisions which may vary from one scheme to another.

Q5. What is the limit of the coverage provided in case of any loss or damage to personal belongings in an event of an accident?

Ans: AED 5,000 is provided by Union Motor Insurance Company.

Q6. What is the insurance limit for personal accident cover?

Ans: Union motor insurance in the UAE provides AED 1 million as personal accident cover to the insured members.

Q7. Am I covered against any damage that is caused due to natural calamities?

Ans: Yes, the insurer compensates for any loss or damage arising due to natural disasters as per the policy wordings. Please check the same before making the purchase.

Q8. Can I purchase and renew my car insurance policy online?

Ans: Yes, you can easily purchase and renew your car insurance policy online.

Q9. What is an agency repair service?

Ans: In case, of any accident or damage, your car will get repaired at the manufacturer’s/Dealer’s garage and the insurance company will bear the cost.

Q10. Can I get emergency medical assistance?

Ans: Yes, Union motor insurance provides emergency medical assistance to its insured customers.