What Makes Car Insurance Essential in Dubai?

What Makes Car Insurance Essential in Dubai?PolicybazaarAverage Rating / 5 ( reviews)
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When it comes to driving a car, it is next to impossible to be sure about your safety until you actually reach the destination. This is what makes an auto insurance essential, apart from the obvious factor that it is compulsory in Dubai. Driving without vehicle insurance is illegal in the UAE.

If the authorities ask you to pull over and they find out that you are driving without insurance or that it has expired, you will have to bear a fine, or even worse, your license will get confiscated for a certain period of time.

While driving, you are not just responsible for your own safety, but also for the safety of the people on the roads. If it were to happen, it is only a matter of seconds for you to slip up, and then boom! That’s how accidents take place.

Car Insurance Dubai helps you in covering your financial losses in case of an accident because getting a vehicle repaired could be quite expensive. And, that’s not it, you also have to bear the hospital bills in case of injuries.

In any case, during traumatic situations like these, when the wellbeing and the safety of human lives (yours or your loved ones or maybe the third-party) are at stake, money would be the last thing you would want to worry about.

Why is an Auto Insurance Important for Me?

If you have a car, then you must already know that car insurance Dubai is a legal requirement. But, apart from that, a lot of people want to know what is the whole fuss about?

Your auto insurance is essential because it will cover your expenses in case your vehicle gets damaged or other passengers, drivers, or pedestrians have suffered injuries.

Moreover, you can also get a financial support in case your car gets vandalized, stolen, or destroyed due to fire.

What Happens If I am Not Insured?

As discussed above, driving without a vehicle insurance is illegal. So, if you don’t have one, you will be subject to fine or the authorities may disqualify you from driving itself.

The fines could cause a hole in your pocket and you may also receive black points on your license.

The authorities also have the right to confiscate your driving license or your vehicle if you were found driving without an insurance cover.

How is My Car Insurance Cost Worked Out?

The insurance premium you pay is based on various factors, including your residence, age, the kind of vehicle you drive, what do you use your car for, your occupation, and if you have been convicted for any traffic offense in the past or not.

You have the option of reducing your premium by making a higher excess payment. Excess is the amount you will have to pay towards the cost of your insurance claim.

The premiums on auto insurance are generally higher for young people as they pose a greater risk of an accident. New drivers also face higher insurance premiums.

Compare car insurance Dubai before purchasing one. There are various comparison websites where you can find a list of the top insurance companies and their products. You can compare the different plans and find the one that comes with the most economical premium rates.

In a Nutshell!

Having an appropriate level of insurance cover provides you with financial protection in case your vehicle gets damaged. It also offers coverage for the injuries suffered by you, or the other drivers, pedestrians, or passengers, as well as their property.

If you drive on the roads, then it is impossible to avoid accidents. But, having a car insurance Dubai gives a reassurance that you are cover financially if, God forbid, you get involved in one.

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