Union Car Insurance

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.

Why Union Motor Insurance?

Union Insurance provider offers affordable and comprehensive motor insurance plans that offer basic 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.

The company has designed multiple car insurance plans for you to select from, and they will assist you in each step on the way

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

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.