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Car Insurance Dubai

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Importance of Car Insurance in Dubai

It is compulsory under the UAE motor vehicle laws for car owners to purchase third-party insurance. However, this policy only provides basic coverage and compensates you against legal claims arising from third parties due to a car accident.

Car Insurance Dubai also provides another type of insurance, which is called comprehensive car insurance. This type of insurance covers both third-party liabilities and other losses such as own car damage, theft, hospitalization expenses, etc. Although it’s not mandatory to purchase comprehensive car insurance, policyholders can avail of numerous benefits by paying an additional premium.

Types of Car Insurance Policies in Abu Dhabi

Motor Insurance Dubai primarily offers two types of car insurance policies. The details are as follows:
comprehensive car Insurance

Comprehensive Insurance

Car ownership is typically associated with different types of risks. Car accidents or mishaps cause bodily injuries, death, and huge financial losses to car owners. It is difficult to predict and prevent unforeseen events such as road accidents or vehicle theft.

Comprehensive car insurance covers the risk of loss or damage due to a wide variety of risk factors, including accidents, theft, fire explosions, and third-party liabilities. This type of policy meets statutory requirements and also protects you against personal losses.

third party car Insurance

Third party Insurance

It is quite possible that car accidents cause significant harm or damage to other people and public properties. This often gives rise to legal claims from third parties who have suffered bodily injuries and monetary losses. Third-party car insurance covers such liabilities and protects car owners against lawsuits & related expenses.

Please note that it is mandatory under the UAE laws for vehicle owners to obtain third-party insurance coverage.

What is Covered in Car Insurance in Dubai?

Auto Insurance Dubai includes the following types of services for policyholders:

What is Not Covered in Car Insurance in Dubai?

The common exclusions of Car Insurance in Dubai are listed below:

Note: If compensation is claimed by a policyholder with wilful concealment or misrepresentation of material facts, the insurer can reject such claims and recover the amount paid (if any).

How to Buy or Renew Car Insurance in Dubai?

The following steps can guide you to purchase or renew your Car Insurance in Dubai:

Step 1

Visit the official website of Prominent Insurance Brokers. You can request car insurance quotes in Dubai by providing your details in the online form.

Step 2

Once you provide all the required details in this form, click on the ‘Submit’ button.

Step 3

One of our executives will soon get in touch with you. You will be guided by our team to buy the best car insurance in Dubai. You can make the payment online.

You can also click on the Whatsapp icon on this page and chat with our team members. You will be guided at every step to buy the policy online.

Claims Process of Car Insurance in Dubai

The procedure to claim car insurance in the UAE is simple and convenient for policyholders. The details are as follows:

Contact the insurance company as soon as possible and inform the executives about the incident and your subsequent claim.

Visit the local police station and obtain a report in connection with the incident.

Contact the emergency on-road assistance number if you need any help in towing the vehicle.

Obtain a claim form from the insurance company. Complete it and submit it along with the police report, vehicle documents, and your driving license to an authorized service center/garage.

The documents are scrutinized, and the vehicle damages are assessed by an executive from the insurance company.

The claim shall be approved by the insurer after completing the prescribed formalities.

Frequently Asked Questions on Car Insurance in Dubai

Yes, Basic car insurance in Dubai that covers third-party liabilities is mandatory under the UAE laws. However, buying comprehensive car insurance is optional.

Motor Insurance Dubai offers plans with a validity of 13 months. This includes the normal 12-month period and a grace period of one month to renew the policy.

Car insurance can be transferred to the new owner when you sell the vehicle. However, this transfer can be made only if the policy has a residual tenure of at least seven months. You can opt for the cancellation of the policy if the remaining tenure is less than seven months.

No. Only one policy can cover one vehicle at any point. However, you can enhance or customize your coverage by purchasing several add-on services under the same policy.

A few insurance companies in the UAE do provide car insurance coverage for off-road activities such as desert driving. In case it’s not available with the base plan, you can choose to buy a separate add-on cover for the same.

Disclaimer: The information mentioned here is gathered from sources deemed to be reliable & trustworthy. Prominent Insurance Brokers does not promote or recommend any product or service.