A Guide to Comprehensive Car Insurance in Dubai
- Comprehensive car insurance in Dubai
- How to claim car insurance in Dubai
- Best car insurance companies in Dubai
- Things not covered by Dubai car insurance
In Dubai, it is against the emirate’s law to drive an uninsured car. To avoid fines and penalties, all vehicle owners must get car insurance in Dubai before taking their vehicles out on the road. However, there is no rule regarding the type of auto insurance you must have. You can choose from two main types of auto insurance commonly offered: third-party liability insurance and comprehensive car insurance.
This guide covers all you need to know about comprehensive car insurance to understand whether or not it is suitable for your needs.
What is Comprehensive Car Insurance?
As the name suggests, comprehensive car insurance is an extensive insurance plan with more coverage. Unlike third-party liability insurance that only covers damage done to the other party’s vehicles, a comprehensive car insurance plan protects both the claimant and the insured party. Both the driver at fault and the claimant are compensated in case of an accident.
A comprehensive car insurance plan covers the expenses and medical costs of both parties. Therefore, a comprehensive insurance plan costs more than third party insurance. Few insurance companies include off-road insurance in their comprehensive plan, owing to the rise of off-roading activities in Dubai. If a car is damaged while off-roading, the policy covers the cost of repairs as well.
Comprehensive car insurance in Dubai also covers the following:
- Damages to the insured vehicle in case of natural calamities
- Damages to the car due to a fire breakout
- Damages to the vehicle due to overturning
- Car theft or losses related to theft
- Damages deliberately caused by the third-party
How to Claim Car Insurance in Dubai
In an unfortunate case of a car accident, you must think on your feet and take the following steps to claim car insurance in Dubai:
Take photographs of the damaged vehicle: Take photographs of the damage done to your car and the other driver’s car or bodily injury (if any took place) because comprehensive insurance covers for both, however, the insurance company has to be sure of the incident and photographs help in this regard.
Contact the police: You cannot claim car insurance in Dubai without a proper police report. For major accidents, police officers arrive at the scene, inspect your vehicle and give you an accident summary that includes the contact details of the other driver. For minor accidents, drivers can file a report using the Dubai police app.
Contact your insurance provider: After informing the police, get in touch with your insurance provider. To claim your insurance, you must provide all the required documents including the police report that identifies whose fault it was. Additionally, photographs of the incident can expedite the process and will be helpful for future record keeping.
Both drivers must submit their original UAE driving licenses and a copy of their vehicle registration.
Best Car Insurance Companies in Dubai
If you are looking for best car insurance companies, this list of car insurance companies in Dubai might help:
- AXA Car Insurance
- Al Fujairah National Insurance Company
- AIG Car Insurance
- Dubai National Insurance and Reinsurance
- Gargash Insurance
- Noor Takaful
- RSA Insurance
- Salam Takaful
- Oman Insurance Company
- Orient Insurance Company
- Tokio Marine Motor Insurance
Each of these insurance companies offers comprehensive as well as third-party insurance policies.
Things That Aren’t Covered in Dubai Car Insurance
Auto insurance policies in Dubai do not provide coverage under the following circumstances:
- Driving without a valid license
- Driving while intoxicated
- Misleading information about damages
- Intentional damage to your own vehicle
- Claims filed after 3 years of the accident
Getting car insurance is a legal requirement. Then, knowing your vehicle is insured gives you peace of mind. Here are some FAQs for car insurance in Dubai, go through them to make sure you know everything.
Moreover, if you own a high-end vehicle which is regarded as a luxury or sports car, get yourself luxury or sports car insurance in the UAE.
That said, if your car got damaged in an accident and you’re looking for another vehicle to buy, you can consider some of the popular used cars for sale in Dubai:
- Second-hand Toyota vehicles in Dubai
- Used Nissan cars for sale in Dubai
- Used Mercedes Benz vehicles in Dubai
- Second-hand BMW cars for sale in Dubai
Stay tuned to the UAE’s top auto blog for more information on car insurance, car registration, parking guides, driving laws and all sorts of topics from the automotive industry.