Car insurance policies provide protection against damage or injury liability if an accident occurs while driving.
In the UAE, it is against the law to drive on the roads without a car insurance, thus it is essential to get one no matter your driving habits.
A car insurance is renewable yearly allowing your insurance advisor to review the market and find the most competitive deals for you.
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Car insurance providers offer a whole range of additional features and benefits you can select from depending on your needs.
Most of these are optional or add-ons and will incur a premium for inclusion on your policy and some may not, depending on your insurer. This is where an expert insurance advisor can save you time and money by offering you the best value policy.
Third Party car insurance protects you against your liability towards a third-party personal injury and property damage. This is the minimum cover required for all UAE drivers.
Comprehensive car insurance normally provides the same cover as a third-party insurance but also provides protection for you, your passengers, and any damage to your own car. Depending on your policy, some car insurance providers offer options that can include roadside assistance and windscreen damage.
An excess (also called a deductible) is an agreed amount a policy holder will absorb towards the cost of an insurance claim. The excess amount can vary depending on the level of cover you have and the higher the excess normally the lower the premium.
A no claims bonus is a reward to drivers from insurers for safe careful driving and for avoiding making any claims on their insurance policy. For example, an insured driver who has not made any claim for 1 to 3 years should be eligible for a discount between 10% and 20% while renewing their car insurance in Dubai (as per the UAE Insurance Authority).
The cost of car insurance can vary hugely. There is a basic cost depending on the value of the car, but the final cost of your car insurance is calculated on several factors.
Some of the elements an insurance provider will take into consideration when calculating the cost of your car insurance include:
Agency repair means that your car may only be repaired at the manufacturer’s authorized workshop. Most insurance companies include this as a standard benefit within Comprehensive Insurance for up to 2 years from the first registration. Some insurance companies offer agency repair as an additional cover for the first 5 years of vehicle registration with additional loading on the premium starting from the 3rd year of registration. For some insurance providers, you will need to provide a No Claim Discount certificate (NCD) from your previous insurer if your car is older than 1 year.
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