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Your Guide to Renewing Car Insurance in Dubai

Your Guide to Renewing Car Insurance in Dubai
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If your car insurance policy is going to expire soon, you may be receiving the reminders from your insurance company for its renewal. It is completely up to you whether you want to continue with the same plan or want to change your insurance provider or plan. You must buy a car insurance policy that is right for you in terms of budget and your requirements. In this modern era of the Internet, it is possible to renew car insurance policy online.

Check out various important things that you must know about car insurance renewal in Dubai:

When a Person is Required to Renew a Car Insurance Policy in Dubai?

The traffic department of the UAE provides a grace period of one month to the policyholders in order to renew the registration of their vehicle. This indicates that a person is given an extra month to renew the policy without paying any penalty after the expiry of 12 months registration period. So, in the UAE, a car insurance company issues a policy for a standard period of 13 months considering the grace period.

Should a Person Renew the Car Insurance Policy in Dubai with the Same Features?

Most of the people in Dubai confront this question whether they should continue with the same comprehensive car insurance policy or want to go with the third-party liability car insurance plan. There are some more questions that may confuse you such as whether to remove or add the optional features available in the policy or whether you should go with the same coverage. You have the policy for at least a year so no one can understand the features of the policy better than you. It would be very easy for you to decide whether you want to go with the same policy or not. If your current policy includes the cover for off-road travel and you do not go on off-road travel in UAE then you can choose to opt out. This will help you to save the amount of the premium.

Should a Person Continue with the Same Car Insurance Agency in Dubai?

It is quite convenient to continue with the same insurance agency. To change an insurance company, you will have to do a lot of research in order to find the best company. For this, you will have to put your time and efforts. Though, continuing with the same insurance agency is not always the best option. So you must do enough research in order to find the best car insurance policy according to your needs and budget.

How Can I Calculate the Premium of New Car Insurance?

There are various factors that are considered by the insurance providers to calculate the amount of the premium. These factors include age, driving experience, history of driving, age, type, and value of the vehicle. The premium amount that is calculated by the company also depends on the type of coverage and limit of coverage you select at the time of renewal of your car insurance policy. Make sure that you do not forget to get a certificate of no claims discount. This will help you to reduce the premium amount at the time of renewal of car insurance. If you are planning to renew your car insurance with a different insurance provider then make sure to get a no claim certificate from your previous car insurance agency.

What Documents a Person has to Submit to Renew the Car Insurance Policy in Dubai?

If you are planning to renew your car insurance policy from a different car insurance agency then you will have to submit some documents. These documents include:

  • A copy of passport
  • A copy of UAE visa
  • UAE driving license
  • Details of car registration
  • Certificate of no claims discount if applicable.

Over to You:

There are many car insurance agencies operating in the United Arab Emirates. That is why it is quite important to do a lot of research before selecting an insurance plan. You can check various car insurance companies and their performance by using online comparison tools. These tools compare different insurance plans online by asking a few questions about your requirements and provide you with the most suitable option.   

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