Shopping for car insurance online is a convenient way of getting the necessary coverage for your vehicle. However, the process of online insurance shopping comes with its challenges. Buyers have to consider multiple aspects and scrutinise multiple things prior to finalising the purchase.
For your convenience, here we have mentioned all the necessary details to buy car insurance online in the UAE.
How to Buy Car Insurance Online in UAE
Several car insurance companies in the UAE offer online purchase facilities. The following are the necessary steps to buy car insurance online in the Emirates.
Step 1: Decide Type of Coverage
Different types of car insurance are available in the market, each offering varied coverage. Start from liability insurance, a basic type of car insurance mandatory by the law. Moving forward, owners can opt for add-ons that will provide additional coverage, like car engine insurance or Gap insurance.
Please remember that the premiums increase with each add-on. That said, before adding any extra coverage to the policy, draft a proper budget.
Step 2: Shop Around
Once done with the type of insurance and the additional add-on in the policy, shop around and compare quotes. The premiums offered by each insurance provider may vary. Moreover, additional benefits and discounts also outweigh the insurance provider.
Step 3: Select Insurance Provider
After comparing the quotes, select the insurance provider. While selecting the insurance provider, make sure to check the market reputation of the provider. Alongside this, ask for the annual discounts and pros of no claims.
Step 4: Complete Legalities
Submit all the required documents and pay the premium. Ensure that all the legalities are completed in accordance with the UAE’s laws and regulations.
Information Required to Buy Car Insurance Online
To buy car insurance online in the UAE, owners will have to provide the following set of information to the insurance provider.
- Personal Information: This includes the owner’s name, date of birth, residential address and other related details.
- Insurance History: Previous or current insurance providers and claims are included in the insurance history section.
- Driving History: This includes a complete track record of traffic violations, traffic fines, black points earned and other related offences.
- Driving Licence: Licence number, expiry date and validity are inquired in the driving licence section.
- Vehicle Information: Car make, year, model, type, VIN, chassis and engine number. Here is how to find the VIN, chassis and engine number of your car.
Things to Consider When Buying Car Insurance Online in UAE
Mentioned below are a few things to consider when buying car insurance online in the UAE.
Get Your Vehicle Checked
The total coverage value of the vehicle depends on its current market value. Alongside age, other parameters like the vehicle’s overall condition are also used by the insurance companies to determine the coverage value. That said, it is necessary to get your vehicle evaluated and fix major issues in it to obtain accurate coverage value.
If you are looking for a detailed and satisfactory car inspection, opt for the inspection services by dubizzle cars.
Choose an Appropriate Policy
Selecting an appropriate insurance policy is necessary to avoid future hassle. Third-party liability is the basic type of insurance that only covers the damages caused to another party. Therefore, this type of insurance is considered ideal for older vehicles.
On the contrary, comprehensive insurance covers all the damages caused to the vehicle and the other party. That said, it is ideal for new vehicles.
Verify Details
Cross-check all the details provided to the insurance provider and ensure there are no typographical errors. Moreover, proofread all the information entered before submitting it to exclude any chance of wrong information.
Check Sum Insured Value
The sum insured value is the maximum value that you can get from the insurance provider in case of a total loss. The sum insured value should be near the estimated market value of the vehicle. Check the sum insured value and if it is not near the market value, discuss it with the insurance provider.
Read Inclusion & Exclusion Criteria
The inclusion and exclusion criteria elaborate on the coverage offered by the insurance policy. Read the criteria properly and note down all the conditions that might lead to insurance claim rejections.
Pros and Cons of Buying Car Insurance Online in UAE
Now that you are aware of the different aspects of buying car insurance online in the UAE, let’s move towards its pros and cons.
Pros of Buying Car Insurance Online in UAE
Following are the pros of buying car insurance online in the UAE.
- Convenient: The online purchase is easy and fast. Buyers have an array of options to choose from as per their budget and requirements.
- Cost Effective: In online shopping, insurance agents are not involved, reducing the overall cost. Moreover, comparing multiple options allows users to choose the best-priced offer.
- Transparent: The insurance plan and all the other details are mentioned on the website, allowing users to make informed decisions.
Cons of Buying Car Insurance Online in UAE
Here are some cons of buying car insurance online in the UAE.
- Sales Calls: Many online insurance providers ask for email or contact numbers before offering the quote. That said, owners will have to attend multiple sales calls to get their quotes.
- Lack of Guidance: Although insurance provider’s websites have chatbots that can answer your queries, these chatbots are limited.
- Latest Discounts: not all the websites are regularly updated and you might miss the latest discounts and deals.
FAQs
Is it safe to buy car insurance online?
Yes, it is safe to buy car insurance online. However, it is necessary to check the background and existence of the insurance provider.
Is online car insurance cheaper?
Yes, online insurance does not include any insurance agent, excluding their commission. Moreover, choosing from multiple options allows users to pick the best-priced policy.
What is the Sum Insured Value?
The Sum Insured Value is the market value of the car. It is the maximum amount the insurer will pay you in case of total loss of a vehicle.
This is how you can buy car insurance online in the UAE. Driving without car insurance in the Emirates is a criminal offence that can lead to a traffic fine of around AED 500. Moreover, when buying a used car for sale in the UAE, it is necessary to transfer the car insurance properly. If the insurance is not transferred properly, the owner might face multiple legalities. That said, here is how to transfer car insurance in Dubai.
Stay tuned to dubizzle’s auto blog for more information on car insurance in the UAE.
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