Buy Car Insurance in 20 Seconds!
Driving may be therapeutic but it is not always one hundred percent safe. Going out on the road in your precious car puts you, the passengers and other drivers at the risk of accidents, sometimes totally unavoidable. This is where car insurance steps in to ensure your peace regarding the safety of your vehicle. Car insurance in the UAE is a type of general insurance that works to protect the vehicle, passengers and you the driver, from damages and loss incurred in an accident. You pay a yearly premium to the insurance company for car insurance in Dubai. In return, it takes on the responsibility and risk of handling the repair expenses in the event of an accident/collision/theft/total loss of the car, partially or fully.
Car insurance Dubai can be of two main types – Comprehensive and Third-party liability car insurance. These two types are segregated on the basis of the type of coverage they offer and the scope of the plan. It is mandatory to have at least a basic level car insurance plan for your vehicle at all times. Either of the two types of available car insurances in Dubai can fulfil that requirement for you. Let’s examine the two kinds of car insurance in the UAE:
A third-party liability car insurance plan is for all third-party claims in case of accidents where you are at fault. It is the most basic level of vehicle insurance you will find anywhere in the world. Your vehicle is not protected or covered against any damages caused in an accident by a third-party liability car insurance plan. All vehicles in the UAE are required to at least have a valid third-party liability coverage at all times.
A comprehensive car insurance plan is designed to protect you from third-party liability claims as well as damages incurred by your vehicle and injuries sustained by the driver. Depending on the coverage scope of the plan, comprehensive car insurance can offer cover against damages caused by accidents, fire, natural disasters, man-made disasters, theft and collisions. Comprehensive car insurance in the UAE can get you any level of coverage that you are looking for with options to customise the benefits as well.
Temporary or short-term car insurance plans serve as a brief solution for your driving and car insurance needs. The inclusions of this type of car insurance in Dubai are the same as the third-party car insurance or the comprehensive car insurance plans. The coverage tenure for temporary car insurance can be anywhere between 1 one day to a few months. It is the best car insurance in the UAE to go with if you have to drive someone else’s vehicle for a while.
Apart from fulfilling the mandatory requirements set by the UAE government, having a good and cheap car insurance plan can turn out to be a beneficial choice in many ways listed below:
The first benefit of getting a vehicle insurance plan is that you will be saved from any legal consequences related to the traffic rules. If you do not have a valid car insurance in the UAE, you can face a fine of up to AED 500 along with 4 black points on your license. In addition to that, the vehicle can be confiscated as well. So, having a proper, valid car insurance can save you from this ordeal.
The biggest financial setback you can get after an accident is third-party liability claims. If you have caused the accident and do not have an insurance plan to cover the damages, the complete responsibility will fall upon you. You will not only have to carry the repairs for your vehicle but may also have to pay up third-party claims for vehicular damages and injuries. A good car insurance in the UAE can save you from this problem at the least.
Having a car insurance in Abu Dhabi to rely upon grants you better stability when it comes to managing finances. If you are at fault in an accident, your car insurance online or offline will cover the damages incurred by your vehicle as well as the third-party liabilities. Whereas, if the other driver is at fault, the damages will be covered by the insurance provider of the other driver. In addition to that, your insurance plan may also offer a helping hand if the other driver is underinsured or uninsured. Hence, saving you from most possible scenarios.
Another great benefit of having a car insurance plan is that you will be covered against theft as well as complete loss of your vehicle. This means if your car happens to get stolen or meets total loss after an accident, the insurance company will reimburse you for the current market value of the car.
Given below is the complete set of documents you will need to buy or renew your motor insurance in the UAE at any given time. Online purchases may only require you to submit the details with or without scanned versions of the documents. The offline purchase will require you to bring the originals as well as a few copies, as mentioned below:
Several factors can affect the price of your car insurance plan. Some of these are related to your car while others are completely dependent on the driver. Given below are the top factors that can influence the price of your car insurance plan:
The older your car is, the more expensive it would get to insure it. Older cars are more susceptible to breaking down and facing other issues. This increases the risk that insurance companies take on when offering you a car insurance plan. This also means that newer cars in top conditions results in cheap car insurance in Dubai. If your car is old but you have kept it in good running condition, you can easily score some discount on the insurance price. The same goes for newer cars in bad condition. You may have to pay higher insurance prices if the age of your car is significantly less but the condition is not good.
Younger drivers cause more accidents statistically. This leads to higher car insurance prices when younger drivers are included in the picture. Significantly older drivers also represent the same trend of increased accidents and can inspire higher car insurance prices. The simple calculation here is that more experienced drivers who are statistically less inclined to cause accidents get comparatively lesser prices in their insurance plan.
A good driving record in the UAE will earn you discounts on your car insurance price while a bad one can jack it up pretty quickly. Your driving records are accessible by your car insurance provider. A good driving record will show that you are a low-risk driver. This makes insurance companies lower their plan price or offer a discount. The opposite happens when you are a high-risk driver. The insurance companies have to increase the price of the premium to manage the higher level of risk that car insurance companies take on. So, maintaining a good driving record becomes one of the ways to find the best car insurance in the UAE.
Newer cars with higher market value or price attract equally high insurance prices. The reason here is that when an insurance company insures an expensive vehicle and pays for the repairs, it costs them equally higher. The lower market price of the car would mean significantly cheaper car insurance because the insured declared value of the plan will go down simultaneously.
If you are the second owner of your car, you may have to check the claim history of the car when you buy it. If the previous owner of the car has made a lot of claims in the past, insurance companies may sell offer the new insurance plan at an increased price. The more claims you make against a policy, the higher risk your vehicle is considered for the insurance company. This is why the price of the insurance plans increases several folds when the claim history is laden with several small and big claims.
Yet again, a car that has been involved in a lot of road accidents is susceptible to get higher car insurance premiums. The reason remains the same – it is branded as a high-risk vehicle to insure for any insurance company out there. When a vehicle or a driver has a bad accident or traffic violation record, they become a liability to the insurance company. Hence, the insurance premium increases when the owner sets out to buy or renew the plan every year.
Unrelated to the car or the driver-owner, the price of your car insurance premium will also be influenced by the kind of services and benefits you opt for. As a thumb rule, a more comprehensive car insurance plan would be more expensive than its basic counterpart. On top of that, if you go ahead and include a few add-ons or riders on it, the premium further increases.
When you choose to take higher amounts of deductibles with your car insurance plan, the premium is lowered significantly and vice versa. The deductible is the amount that the policyholder pays out-of-pocket whenever a claim against the car insurance plan is submitted. The insurance company covers whatever cost remains after the payment of deductibles. This lowers the risk for insurance companies and hence the premium is lowered as a result.
Just like any other type of business out there, car insurance companies keep rolling out promotions and special discounts. Some of these can be anniversary deals, festival bonuses, good driving discounts or simply online purchasing discounts. Depending on what you can score, your premium can go or higher. The way to find best car insurance in Dubai is to scan such discounts and compare car insurance quotes properly before buying
Following is a list of the best car insurance companies in Dubai 2021 and the rest of the UAE and a brief on the types of insurance covers that they offer:
|Car Insurance Companies||Types of Car Insurance Plans Offered||Plan Details|
|ADNIC||Platinum Cover Gold Cover Standard Cover|
|AXA Car Insurance||Comprehensive Car Insurance cover, Third-Party Liability Cover|
|RSA Car Insurance||Motor Executive (Comprehensive), Motor Smart (Comprehensive), Motor Value (Third-Party)|
|Oman Car Insurance||Comprehensive Cover Third-Party Insurance InsureMyTesla High Net Worth Covers (premium covers for luxury cars/vehicles)|
|Noor Takaful Insurance||Comprehensive Car Insurance, Third-Party Liability Car Insurance|
|Orient Car Insurance||Comprehensive Plans, Third-Party Liability Plans|
|Salama Car Insurance||Comprehensive Car Insurance Plans|
|Tokio Marine Car Insurance||Comprehensive Car Insurance Plans|
|New India Car Insurance||Third-Party Plans, Comprehensive Plans|
|RAK Car Insurance||Comprehensive and Third-Party liability|
Here is a list of tips that will help you in choosing the best car insurance in the UAE that provides good coverage at affordable rates
When you’re clear on what you’re looking for, it becomes easier for you to analyze whether a plan fulfills your car insurance expectations or not.
Keep a check on the background of the chosen insurance provider. Anyone with a good reputation is likely more professional and known for timely, hassle-free claim settlements.
One plan doesn’t fit all when it comes to buying car insurance in Dubai. Instead of opting for the first plan that you come across, it’s wise to compare car insurance online in the UAE to get a fair idea of what are your best available options. By comparing car insurance online Dubai and the rest of the UAE, a quick and informed insurance decision can be made.
It is important to analyze the coverage offered along with the car insurance in Sharjah and the rest of the UAE by a provider and make sure it is at your expectations. Refrain from buying inadequate insurance coverage that might lead to regrets in the future.
It’s important to settle with a car insurance company that has a high claim settlement ratio. This in a way guarantees earnestness in the services that are being offered by the insurance provider. Add-on covers on the other hand ensure wider coverage to the vehicle and the driver to ensure maximum safety.
To consider and compare car insurance quotes Dubai online, you are advised to use the car insurance calculator in the UAE provided by online car insurance companies in the rest of the UAE. You can visit their webpage and check the premium against coverage to see if the plan suits your needs while fitting in your pocket. This process may become tiring and tedious since you will be required to visit each car insurance company in Dubai, Sharjah, Abu Dhabi, and the rest of the UAE provider websites to check the premium and cover. To cut-short the process and save your time and energy, you can compare the price of car insurance in Abu Dhabi, the rest of the UAE on policybazaar.ae to find the best car insurance in Dubai that fits your needs.
With so many online car insurance UAE platforms, it has now become easier than ever to compare car insurance policies and buy one that suits your needs. There are two quick and simple ways to buy an insurance policy in UAE which are explained in detail as follows:
The traditional method of buying an insurance policy is via car insurance brokers. You simply choose the insurance company that you would like to go with and contact a car insurance broker to initiate the process. The car insurance broker will inform you about the available plans with the company and the required documents that you need to submit for the process. Another way to buy vehicle insurance in Dubai and the UAE is by visiting a branch office of the company itself.
Buying car vehicle online in Dubai and the rest of the UAE is the most convenient and transparent method. Since the world is becoming digital at an incredible speed, almost all top insurance companies have website and mobile application portals for their customers. You can simply visit the site, compare car insurance UAE, select and buy from the purchasing portal. Getting car insurance online in Dubai, Abu Dhabi, Sharjah, and the rest of the UAE quote in the UAE is also a matter of seconds which makes the whole process extremely fast and easy.
Another way is to buy car insurance in the UAE online is to take assistance from insurance aggregators like PolicyBazaar UAE. It is easier to compare car insurance companies online in Dubai and different plans that they offer when you have one common portal for them all as well. Although, make sure that you trust only the most authentic and credible aggregators to avoid frauds and losses.
Popular Car Brands Insurance
|Honda Car Insurance||Toyota Car Insurance||BMW Car Insurance|
At the time of issuing car insurance in Dubai, and the UAE, there are some common services that are provided by auto insurance companies in the UAE. Let’s take a look at the inclusions here:
There are a few riders that can be bought along the basic insurance plan to enhance the scope of coverage. Here are a few riders that might be worthy add-ons to your existing plan.
Car Insurance in Dubai, Sharjah, Abu Dhabi, and the UAE will not cover for losses or stand nullified if you are:
No Claim Bonus is a discount offered to a policyholder for not raising a claim on the car insurance policy during an active term. It can be availed while renewing the Dubai vehicle insurance policy next year. Some of the benefits of NCB are:
With so many options available to purchase car insurance online, it has become easier to browse through a list of the best car insurances in Dubai, and the rest of the UAE and opt for one that suits your needs. To bag yourself affordable car insurance in Dubai and the rest of the UAE, all you have to is:
Most of the car insurance policies are for a 12-month term only and need to be renewed by the policyholder at the end of the year. This means that you'll have to initiate the car insurance renewal process at least a few days before the expiration date. Generally, a grace period of one month is provided to the policyholders to allow them to get all the paperwork in place that's needed to get a car insurance renewal in the UAE. If you think that you already have the best car insurance in Dubai which meets all your needs, you can continue with the same car insurance policy. However, in case you are not satisfied, you can find the best car insurance in Dubai on policybazaar.ae
You need to renew your car insurance before its expire date. Car Insurance renewal takes less than a minute when you renew your car insurance online in Dubai and the rest of the UAE. All you have to do is:
The steps may differ slightly as per the insurance provider but the gist of the process remains the same. You can also renew the insurance plans offline by contacting the insurance broker or the branch office.
In recent years, there has been an exponential increase in road accidents in the UAE. There are several reasons behind such mishaps and that is precisely why car owners should know all about car insurance claim procedures in the UAE. Keeping yourself educated avoids unnecessary hassles of filing wrong claims and delayed reimbursements or rejection. Having a clear idea of what’s to be done after a car accident is always a bonus. Here’s a quick guide of steps that need to be followed:
If the right claim filing procedure isn't followed, your claim might get rejected. Here are a few simple steps to help you in filing your car insurance claim in Abu Dhabi, Sharjah, Dubai, and the rest of the UAE:
Step 1 - Inform the Insurance Provider ASAP
Contact your car insurance company as soon as possible to ensure a fast and hassle-free claim settlement in the UAE.
Step 2 - Cooperate and Provide Complete Information
Notify your insurance provider with complete information to support your claim like your full name, policy number, policy duration, date & time of the accident, a copy of the driver's license & license plate number of all the parties involved, along with names & contact details of all those involved.
Step 3 - File a Police Report
In case of an accidental or theft-related claim, visit the nearest police station to file a complaint. Make sure to get a copy of your complaint as some car insurance company asks for it.
Step 4 - Get the Vehicle Supervised
Once you have informed your auto insurance provider, a surveyor will be assigned to assess your case. The surveyor will evaluate your case and will inspect and examine your vehicle so that your claim can be duly processed.
Step 5 - Final Settlement
Once the insurer receives the surveyor’s report on the damage and cost of repair, your case will be resolved in compliance with the plans you opted for. In case of a cashless claim, the expenses are directly paid to the network garage.
Policybazaar.ae is committed to offering an extensive range of insurance products to cater to the needs of a variety of vehicle owners. You can buy cheap car insurance in Dubai and the UAE by comparing various plans at Policybazaar.ae. Apart from this, we allow you to easily navigate through a platform that lists some of the best car insurance Dubai online, all in one place. Here is a list of reasons for you to buy your car insurance in Abu Dhabi and the rest of the UAE from Policy Bazaar UAE:
Ans: A vehicle insurance policy is valid for 12 months and has to be renewed annually. In case you fail to renew your plan, a 1-month grace period is offered so that you can renew your Dubai vehicle insurance plan. This way, the status of your plan can remain active.
Ans: The premium you pay for availing car insurance in Dubai, Sharjah, Abu Dhabi, and the rest of the UAE is affected by several factors such as the following
Ans: A comprehensive car insurance plan includes the benefits of a third-party liability plan with that of own damage plan. It provides insurance coverage for damage repair expenses of your own automobile and those of any property because of a road mishap.
Apart from accidents, the instances mentioned below are covered as well.
Since a comprehensive car insurance plan offers enhanced insurance benefits, it comes at a higher insurance premium for obvious reasons. While a comprehensive insurance plan offers adequate insurance coverage, it is available only if your car is less than seven years old.
If you buy a comprehensive insurance plan, you can opt for some add-on covers in order to avail the desired coverage. Add-ons like personal accident cover, death cover for the driver as well as other passengers, an extension of the area(cross-country) to file a claim, coverage for rental vehicles etc. are widely opted for by the insurance buyers.
Ans: If you buy third-party liability coverage, you can enjoy insurance coverage for damages caused to a third-party in case your vehicle meets with an accident. It provides coverage in case there is a loss of life or any bodily injuries caused or damages are caused to a third-party’s property because of an accident caused by your car.
While it comes at an affordable premium, it doesn’t offer coverage for any damage caused to your own automobile.
Ans: By Law we need to have car insurance in the UAE to drive a vehicle legally in UAE.
Ans: Here is the difference between a comprehensive insurance plan and a third-party liability car insurance plan.
|Third-Party Liability Insurance Plan||Comprehensive Insurance Plan|
Ans: No. Your car insurance price in Dubai is calculated on the basis of your profile, so your insurance policy can’t be transferred to the new buyer. In case you plan to sell your car, you’ll first have to cancel your insurance plan so that the new car owner can buy vehicle insurance plan afresh. However, some companies allow you to transfer your car insurance in Dubai, Abu Dhabi, Sharjah, and the rest of the UAE to another buyer.
Ans: Yes, some auto insurance plans provide car insurance coverage for off-road damages. However, the insurance can only be claimed if the automobile is used for the purposes mentioned in the policy. In case it is being used for competitive events or race events, no coverage will be provided. While the T&C (terms & conditions) for off-road cover varies from insurance company to insurance company, make sure you read the policy wording carefully before buying.
Ans: There are various factors that affect your car insurance in Dubai price. These factors include the driver’s age, the driver’s location, vehicle type, vehicle’s value, claims history and the insurance buyer’s driving experience.
Ans: Anyone can buy car insurance in the UAE provided he/she is a resident and falls in the age group from 25 years old to 65 years of age, having a valid driving license since 1 year or 2 years in case they have transferred from another country to UAE.
Ans. The Insured Declared Value (IDV) is the current market price of your car/vehicle at any given point in time. It is calculated by subtracting depreciation applicable on the car from the initial showroom price of the car on which you bought it.
Ans: Yes, you will need a valid, working insurance policy for your car to successfully register in UAE.
Ans: This is a gift/reward system that gives car insurance holders a discount for every claim-free year they spend with their car insurance policy in Abu Dhabi and the rest of the UAE. It is given in the form of a discount on the premium payable. No claim bonus increases every consecutive claim-free year and the rates generally differ as per the policies of insurance companies. So, if you have a payable premium of AED 1,000 and the no claim bonus is 10% then you will only have to pay AED 900 as a premium for that particular year.
Ans: Yes, no claim bonuses are easily transferable from one insurance policy/provider to another as long as it is opted by the same person. Although you cannot transfer a No Claim Bonus to another person (not even when selling the car) because it is a discount given to the driver/policyholder for not making any insurance claims.
Ans: Almost all insurance providers have an online database of insurance policies with them. You can easily use your log-in details to find and download the document of car insurance online via the portal of your car insurance company if they have the service available.
Ans: A no claim bonus retention or NCB retention cover is an add-on service that can be opted for when buying comprehensive car insurance in Abu Dhabi, and the rest of the UAE. It ensures that the policyholder gets to redeem the no claim bonus discount even after filing an insurance claim in the concerned year.
Ans: Most car insurance companies Dubai do not cover paid drivers in their basic plan services but they do offer an add-on that allows the policyholder to buy an extended insurance cover for their paid drivers. Check with the insurance company individually to make sure they offer the said service.
Ans: Car accessories are broadly divided into two types – electric and non-electric. Accessories like the air conditioner, music system, brake lights, etc. are considered electric accessories. Interior fittings, alloys on the wheels, car seat covers, etc. are considered as non-electric accessories.
Ans: The premium of your car insurance will be higher if it is recognized as a high-risk vehicle by the insurance company and vice-versa. Since anti-theft devices for cars lowers the risk of theft significantly, installing them significantly lowers the premium of car insurance that you are buying.
Ans: Yes, you can always cancel a claim after you have filed it already and happen to change your mind. Just contact the insurance company via your broker or the customer service portal and ask them to initiate the cancellation process.
Ans: As long as the current insurance policy still has 7+ months remaining before its expiration, it can be transferred to the new owner of the vehicle. If it is less than 7 months, you will have to file a cancellation of the policy and the insurance company will settle the refund amount on a prorated basis.
Ans: No, one car can only be insured under one insurance policy at a time. You can choose to get multiple add-on services but it will still have to be under a single policy only.
Ans: A car insurance policy can be issued for the basic 1-, 3- or 5-year period as per the choice of the policyholder. This simply means that you will have to renew the policy after 1, 3 or 5 years, whichever one you happen to choose. However, the choice of the issuable period depends on the options available with the insurance provider.
Ans: You are advised to renew your car insurance in Sharjah, Dubai, Abu Dhabi, and the UAE a day prior to the expiration of last year’s car insurance. However, in case if you are unable to renew car insurance on time, as per the laws of RTA, you will be granted a grace period of 30 days after the expiration to renew your car insurance in the UAE.