A quality car insurance policy is essential to safeguard the large investment that buying a car represents against potential harm and liabilities just like life insurance does. Once you register a brand-new or used vehicle in the UAE, you must also get auto insurance. The ideal course of action would be to get a single auto insurance policy and pick a licensed insurance provider that could offer adequate protection and top-notch services. Therefore, if you’re purchasing a brand-new car and seem to be unsure of which auto insurance coverage to choose, we can assist you.
Here is a fast introduction to everything you need to know about purchasing auto insurance in the United Arab Emirates:
Why is purchasing car insurance required in the UAE?
A quality auto insurance plan offers comprehensive protection for your car against third-party death, property damage, and physical harm. Additionally, it reimburses you for any costs associated with any repairs required as a result of auto accidents.
Once you buy a new car in the UAE, the RTA legislation mandates that you have insurance coverage; otherwise, you risk facing severe penalties and fines for driving without insurance. An uninsured vehicle carries a 500 Dirham fine, a seven-day car-impoundment period, and four license-reporting black points.
UAE’s car insurance options
Before choosing an insurance policy, an insurance provider strongly advises that you review every insurance policy and what it covers. Since not all insurances provide full benefits, a careful study must be done before choosing the appropriate plan. There are primarily two forms of insurance in the UAE:
Third-party Insurance for your car
In the UAE, purchasing third-party insurance is required. It is a fundamental insurance plan that protects the third party from losses you incur. Although this policy’s premium is less than those for other types, it does not provide coverage for damage to your car in the event of a collision.
Unified Insurance policy for your car
It is a thorough insurance coverage that gives the insured greater protection. It covers every kind of auto damage. Additionally, it safeguards you from theft, vandalism, and fire damage. In the UAE, there seem to be three ways to get insurance. You may speak with a company person, get in touch with a specific insurance broker, or purchase it online.
When choosing the best auto insurance provider, price, and coverage, be careful to have an insurance comparison calculator.
The benefits of purchasing supplemental insurance for your car policy:
Within a predetermined geographic area, the minimum standards are only met by the standard insurance plan. However, you can select a personalized insurance plan that best meets your needs if you want to satisfy all of your insurance expectations. You can choose from a variety of add-on covers to get better protection. To name a few:
Geographic coverage is expanded to include GCC nations including Kuwait, Qatar, Oman, and Saudi Arabia. You have more latitude to arrange lengthy journeys within Gulf Cooperation Council also known as GCC nations.
Personal property protection
Your items when they are inside an insured car are covered by personal things insurance in case they are damaged or stolen. Items like laptops, mobile phones, sunglasses, tablets, and expensive apparel are frequently insured under this add-on.
Off-Road Coverage: For individuals who frequently go off-road, this kind of cover is optional but usual for 4×4 vehicles. While driving off-road, it guards the policyholder against loss or damage.
Towing services: It provides coverage for recovery services after a breakdown or accident, including tire changes and battery jump starts.
Depending on the type of auto insurance policy, different insurance premiums apply. For instance, third-party insurance is more affordable than a full car insurance dubai program. On the contrary hand, you might have to pay exorbitant fees if you choose an inclusive plan that includes a few add-on coverages. Make sure the plan you select fits both your needs and your budget.