Off-roading vehicles are designed to be driven on unpaved roads and rough terrains. Though it is an adrenaline-boosting adventure, it can be risky for vehicles and drivers sometimes. This is when the 4X4 insurance comes into the picture. The 4X4 insurance is an add-on to the comprehensive insurance plan that covers damages caused during adventure driving and off-roading.
Let’s understand why car insurance for 4X4 insurance is important and how it will help you during off-roading.
What is 4X4 Car Insurance?
The basic comprehensive car insurance does not cover damages caused during adventure driving or off-roading. Therefore, an add-on of 4X4 insurance is required for the 4WD cars or off-roaders.
The add-on of 4X4 car insurance broadens the horizon of insurance coverage. For instance, if comprehensive car insurance covers bumper damage, adding 4X4 insurance will cover transmission damage caused due to hitting a rock or a tree. Aside from that, off-roading and overlanding car essentials are also covered by the insurance add-on.
Exclusion Criteria of 4X4 Car Insurance
Now that you are aware of what is covered by 4X4 car insurance, let’s move towards the exclusions. The following damages will not be covered by the 4WD car insurance.
- Damages caused to the car that is not labelled as ‘Off-Roading Vehicle’. Here is the complete list of types of off-roading vehicles that you must be aware of.
- Off-roading professionally in a competition is not covered.
- Mechanical failures such as transmission or brake failure.
- Regular wear and tear of a car.
- All damages caused due to driver negligence
- Modifications are done in the car without notifying the insurer.
- Damages are caused by illegal activity.
Why Car Insurance for 4X4 Vehicles are Necessary
Mentioned below are the reasons elaborating on the significance of 4X4 car insurance.
Damage Protection
Off-road vehicles are more prone to physical damage than conventional vehicles. Having a 4X4 car insurance plan can secure drivers from hefty repairs. Moreover, the insurance plan also covers damage caused by natural disasters that are not covered by comprehensive or third-party insurance policies.
Engine Coverage
Car engine coverage is another benefit offered by the 4X4 insurance plan. Generally, drivers are required to purchase a separate engine coverage with their comprehensive insurance plan. However, the 4X4 insurance covers it, excluding the burden of expensive engine repairs.
Roadside Assistance
There are several off-roading trails near Dubai and Abu Dhabi that you can visit. Finding roadside assistance in these areas is relatively convenient. However, when off-roading in remote areas, getting roadside assistance on time is difficult. That said, the roadside assistance provided by the insurer is a feasible option, as it is available even in the most remote areas.
Physical Injury
Alongside car damages, the 4X4 car insurance also covers all physical injuries of drivers and passengers caused during off-roading.
Things to Consider When Buying 4X4 Insurance in UAE
Here are a few things to consider when opting for 4X4 car insurance in the UAE.
Opt for Appropriate Policy
While choosing a 4X4 car insurance policy, make sure to select the appropriate policy. The policy is slightly different depending on the type of off-roading vehicle. Properly read the documents and ensure all the benefits offered in the policy are useful for your car.
Ask for the Maximum Limit
Ask and negotiate about the maximum coverage limit. Repairing costs and off-roading accessories are generally expensive and might cross the maximum coverage limit of insurance. Therefore, it is necessary to select an insurance policy with a higher limit.
Check Roadside Assistance
Roadside assistance is necessary when planning an off-road trip. However, the roadside assistance offered by the insurer is limited to the distance. Make sure the maximum distance limit is enough to cover the off-road trails you are planning to visit.
Animal Collision Coverage
The chances of animal collision during off-roading are relatively low, but it can happen. Therefore, inquire with the insurer whether the damages caused by animals are covered by insurance or not. For more information, read our blog on car insurance coverage for accidents involving animals.
FAQs
Is my sedan eligible for 4X4 insurance?
No, the 4X4 insurance is only provided to 4WD off-roading vehicles.
Is a 4X4 car insurance plan more expensive than other plans?
Yes, the 4X4 insurance plan is generally higher contrary to other types of insurance plans.
Can I modify my car while having 4X4 insurance?
Yes, you can modify your vehicle while having a 4X4 insurance plan. However, prior approval regarding modification from the insurer is necessary.
This was all about car insurance for 4X4 vehicles and its benefits. The 4X4 car insurance plan is specifically designed for off-roading vehicles. Although these vehicles are built to be driven on rough terrains, they are exposed to external damages and repairing them can cost a fortune. That said, if you are also planning an off-roading trip, it’s suggested to opt for off-roading vehicles. Browse through these used cars for sale in the UAE and choose from an array of options.
Besides, here are some off-roading trails near Abu Dhabi that you can visit.
Stay tuned to dubizzle’s auto blog for more information on off-roading.
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