Comprehensive Car Insurance

Comprehensive car insurance is meant to cover third-party claims after an incident as well as damage caused to the policyholder’s vehicle. These mishaps can be a result of accidents, fire, theft, natural disasters, etc. The best thing about comprehensive car insurance in Dubai is its customizability that can be used to roll out bespoke offers to customers depending on what they need. Buyers also get an option to upgrade their insurance plans using different add-ons like breakdown coverage, depreciation coverage, tyre protection coverage etc for enhanced protection. For a vehicle like Audi Q7 (2021 model) 3.0 L (333 HP), your comprehensive car insurance can cost you anything between AED 3500 to AED 8000.

Here we'll walk you through everything you need to know about comprehensive car insurance. Here, you will also learn about the features, benefits, claim and renewal process of comprehensive car insurance that'll assist you in making a right choice when you buy a plan for yourself.

Benefits of Comprehensive Car Insurance in Dubai

Here is a list of benefits of buying a comprehensive car insurance policy for your car when you are in Dubai.

1. Coverage for your car:Comprehensive car insurance gives you complete coverage against your car damages. The best part is that it has some add-ons to customize a car insurance according to a buyer’s needs.
2. Cost-Effective: Comprehensive car insurance is a cost effective option as it provides wider coverage and ensures protection for both third-party and the policyholder.
3. Opt for Add-ons:With comprehensive car insurance plans you get enhanced coverage by opting for add-ons like tyre protection cover, passenger cover, breakdown assistance cover etc.
4. Legal Coverage:It offers a wider legal coverage by protecting you against your own and third-party damages.

Best Comprehensive Car Insurance Companies in UAE

Following is a list of the best comprehensive car insurance companies that are available in UAE along with a brief intro to the kinds of comprehensive car insurance(تأمين السيارات)  plans offered by them:

Comprehensive Car Insurance Companies	Comprehensive Car Insurance Plans
GIG Gulf Insurance	Motor Prestige Plan Motor Perfect Plan
Watania	Watania Comprehensive Car Insurance Policy
Adamjee Insurance	Comprehensive Car Insurance
DNIRC	DNIR Auto Care Scheme
Liva Insurance	Motor Executive Motor Smart
Watania Takaful	Watania Takaful Comprehensive Car Insurance
Tokio Marine	Tokio Must Tokio Smart Plus Tokio Million Privilege
Salama Insurance	Salama Auto Takaful
Abu Dhabi National Takaful Car Insurance	Comprehensive Motor Takaful Cover
Oriental Insurance	Comprehensive Insurance Plan

Best Comprehensive Car Insurance Plans in UAE

Following is a list of the best comprehensive car insurance plans available in UAE from the top car insurance companies:

Best Comprehensive Car Insurance Plans	Third-Party Property Damage Limit	Emergency Medical Expenses	Off-Road Cover	New Car Replacement	Roadside Assistance
GIG Gulf Motor Prestige	AED 5 million	Yes (AED 6,000)	Yes	24 months	Yes
Tokio Marine Tokio Million Privilege	AED 5 million	Yes (AED 10,000)	Yes	13 months	Yes
GIG Gulf Motor Perfect	AED 3.5 million	Yes (AED 3,500)	Yes	6 months	Yes
Watania Takaful Comprehensive Cover	AED 2 million	Yes (AED 4,000)	Yes	6 months	Yes
Liva Motor Executive	AED 5 million	Yes (AED 6,000)	Yes	12 months	Yes
Salama Auto Takaful	AED 3.5 million	Yes (AED 5,000)	Yes	-	Yes
Tokio Marine Tokio Smart Plus	AED 3.5 million	Yes (AED 4,000)	Yes	6 months	Yes
Liva Motor Smart	AED 3.5 million	Yes (AED 3.500)	Yes	6 months	Yes
DNIR Auto Care Scheme	AED 2 million	Yes (AED 30,000)	Yes	-	Yes
Adamjee Comprehensive Car Insurance	AED 2 million	Yes (AED 5,000)	Yes	-	Yes

Comprehensive Car Insurance VS Third-Party Car Insurance

Covers	Comprehensive	Third-Party
Damage to Own Car due to an Accident	Yes	No
Damage to Own Car due to Fire	Yes	No
Damage to Own Car due to Natural Disaster	Yes	No
Damage to Third-Party Vehicle	Yes	Yes
Damage to Third-Party Property	Yes	Yes
Death/Injuries to a Third-Party person	Yes	Yes
Personal Accident Cover	Yes	Yes
Car Theft	Yes	No
Policy Customization	Yes	No

How to Buy a Comprehensive Car Insurance Policy Online?

Here are a few simple steps that can help you buy a comprehensive car insurance policy online.

1. Visit the Portal: You can visit the insurance provider’s websites individually or go to a marketplace like policybazaar.se to get all the plans listed in one place.
2. Enter Your Details: Enter a few simple details like manufacturing date, make and model number, fuel variant, your name, email, ID and contact number, etc to get all the suitable plans listed on your screen.
3. Choose the plan: Go through different car insurance plans and pick one that best fits your needs.
4. Customize Your Plan: Check the list of add-ons and add your preferred ones to enhance coverage by customizing your insurance plan.
5. Pay the Premium: Once your done buying the plan, customize it according to your needs and pay the premium to buy the policy.

Documents Required to Buy Comprehensive Car Insurance in Dubai

Here is the list of documents required to buy a Comprehensive Car Insurance Policy in the UAE.

• Passport with Visa Page
• Copy of Vehicle Registration
• Age Proof
• Address Proof
• Driving License copy
• Emirates ID

How to Compare Comprehensive Motor Insurance Plans Online?

You must compare different comprehensive car insurance policies to find one that best fits your needs. Here is a list of things to keep in mind before choosing comprehensive car insurance plan in the UAE.

• Coverage offered
• Premium amount
• Claim/Renewal process
• Current claim settlement ratio

To find the comprehensive car insurance in UAE, all in one place, you can visit Policybazzar.ae and bypass the need to visit insurance providers’ offices individually. Here, you get quick access to all the plans in just a few simple clicks. All you have to do is just provide a few vehicle details like car manufacturing year, registration date, make and model, cubic capacity, etc. The website will compare all the plans and list the ones that are best suited to your needs.

Documents Required for Car Insurance in UAE

How to Claim Comprehensive Car Insurance?

Follow these simple steps to file a claim.

1. Park Your Car at a Safe Spot – To start with, park your car at a safe spot near the accident scene. Once done, check for any injuries and evaluate the damages. 
2. Inform the Police – Once safety is taken care of, call the police. Inform them about the accident in detail. If you are filing the report online, affix photographic evidence of the damages. They will evaluate the scene and issue a green card, red card, or white card to the parties involved. Make sure to get a police report from them to ensure a smooth claim process. 
3. Get in Touch with the Insurer - Whether online or offline, get in touch with your car insurance provider and report a claim against your comprehensive car insurance policy.
4. Fill in the Claim Form – Complete the claim form and attach all the necessary documents. This includes a police report, photographic evidence, policy number, driving licence, Emirates ID, Mulkiya, and more. 
5. Get Your Vehicle Inspected – Take your car to any of the authorised garages in your provider’s network. There, a representative will review the damages and will give an estimated cost. 
6. Get Your Car Repaired – The provider will review the costs and approve the claims accordingly. Once you get the approval, your vehicle will be repaired. 
7. Take the Repaired Vehicle Home – After your car is repaired, you will be notified about the same. You can pick it up and drive it back home.

How to File Your Car Insurance Claim in the UAE

How to Renew Comprehensive Car Insurance in the UAE?

To keep enjoying the insurance benefits, you must renew your car insurance policy on time. You can follow these simple steps to renew your comprehensive car insurance policy.

1. Visit the Online Portal: Visit the official website of your comprehensive car insurance provider in the UAE
2. Provide Your Policy Details: To renew your policy, provide the details like policy number, type of policy, etc.
3. Check the New Add-One: Check if you want to add some add-ons to your policy and make it more suitable to your insurance needs.
4. Pay Your Premium: Once done, pay your premium to renew the policy. You can pay your premium using your online banking or a credit/debit card.
5. Check the Policy Status: Check if your policy has been renewed. Many insurers provide instant renewal benefits based on the type of policy you purchase.

You can also visit the insurance providers office; pay the premium if you want to get an offline policy renewal done.

Frequently Asked Questions

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