- Cars with Non-GCC Specs
- Unsafe Driving Habits
- Insurance Gap
- Car Modifications
- Driving without Licence
- Delay in Filing Claim
- FAQs
Buying a car requires a significant investment, which makes it crucial to protect it against any potential damage. To lower the risk of liabilities and monetary loss, vehicle owners turn to a car insurance policy. Nevertheless, it is mandatory to have your vehicle insured before driving it on the UAE roads. While a comprehensive insurance plan will cover many areas, there might still be certain things your UAE car insurance won’t cover.
For a better understanding, let’s review a list of things that aren’t covered by a car insurance policy in the UAE.
Things Your UAE Car Insurance Won’t Cover
While car insurance providers are obligated by law to have all terms and conditions documented, certain insurance coverage aspects might still get overlooked. To avoid any mishaps, you should know about the following scenarios where a car insurance claim can’t be filed.
Cars with Non-GCC Specs
Non-GCC spec cars may be cheaper and fit your budget, but there are some important things to consider before owning one. For instance, some car insurance companies in the UAE may refrain from offering comprehensive coverage for non-GCC spec cars. Therefore, when choosing between Japanese vs. GCC spec cars, consider all the noteworthy aspects and make an informed choice.
Unsafe Driving Habits
When behind the wheel, a driver should concentrate solely on the road and avoid all sorts of driving habits that could raise safety risks. It could take one mistake to jeopardise the insurance claim for car owners.
Dangerous driving habits may not only get the insurance claim rejected but also put the driver into legal trouble. Moreover, driving recklessly may also cause fines and get your vehicle confiscated. This is why you should know the different types of traffic fines in Dubai before you hit the road.
Gap in Insurance
An insurance gap refers to a period when the car owner doesn’t have an active insurance policy. Insurance companies assess risk based on various factors, including the driving history, the type of vehicle and its insurance coverage history. Gaps in coverage increase the risk for the insurance company because it means there was a certain period when the intended vehicle was not protected in case of accidents or other events.
In such a case, the insurance companies can be contacted to remove scepticism about the vehicle’s condition. A comprehensive vehicle inspection can be carried out and smaller damages can be fixed for seamless insurance policy procedures.
Car Modifications
When applying for vehicle insurance, car owners are required to provide necessary vehicle details, such as engine capacity, body type, etc. However, if these details don’t match at the time of filing an insurance claim, it will be declined.
When undertaking any type of car modification, such as installing an auto lift kit, always inform the insurance provider. Ask them about what will be covered and what not in case of major changes. The insurance company may also charge an additional amount, depending on the type of changes made to the vehicle. You can also read more about how car modifications impact your UAE car insurance here.
Driving Without a Licence
Driving a vehicle without a driving licence in Dubai or any other emirate is a serious offence. Regardless of the type of car accident, if someone is found guilty of such a legal violation, their insurance coverage will be nullified.
Delays in Filing Claims
When you have car insurance, there’s a certain time limit to report accidents or issues. For instance, if someone is filing a car insurance claim for an accident that happened a long time ago, it won’t be accepted. Therefore, it is crucial to promptly inform the car insurance provider about any covered incidents.
FAQs
What does car insurance cover in the UAE?
From accidental damage to theft and other related incidents, car insurance can cover various aspects. The coverage may also depend on the type of insurance policy you have chosen. Comprehensive car insurance in Dubai or any other emirate offers the most coverage.
What are the things that your UAE car insurance plan won’t cover?
From unsafe driving habits to driving without a licence, anything that goes against the law or has been miscommunicated may not be covered by your car insurance provider. To avoid facing car insurance issues in the UAE, policyholders should thoroughly read the terms and conditions.
This was a quick overview of certain things your UAE car insurance won’t cover. However, whether applying for personal or commercial auto insurance in the UAE, read the terms and conditions carefully to avoid any miscommunications.
Depending on the auto dealer, you can get free insurance even on used cars for sale in the UAE. Browse the listings and explore your options.
For more updates on things that are uncovered in your UAE car insurance, stay connected with dubizzle auto blog.
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