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What is Car Insurance
Car insurance acts as a financial safety net in the event that you are held liable for accident-related damages or medical costs. There are two forms of car insurance in UAE: comprehensive car insurance and third-party car insurance. Thanks to technological developments, you may get car insurance online with ease.
Why Should You Buy Car Insurance
Best Car insurance Policies you can buy online
Prominent Insurance Brokers
Here is the list of best & the cheapest car insurances Providers:
Car Insurance Plans That Fit Your Needs
We offer all that you require! Choose as per your needs
Car Insurance UAE is of 2 types: Comprehensive Car Insurance and Third Party Car Insurance. These are differentiated on the basis of coverage offered, scope, and tenure of the plan. It is compulsory to possess at least a basic level of car protection for your automobile at all times. Let’s take a look at car insurance plans that fit your needs:
Third party Insurance
A third-party car insurance plan covers all third-party claims in case of accidents wherein you are at fault. It is the most basic type of vehicle protection. However, it won’t protect or cover your vehicle against any damages caused by accident. It is necessary for all cars in the UAE to have valid third-party car insurance liability coverage at all times.
Comprehensive car insurance plans aim to protect you from third-party liability claims and damages incurred by your vehicle or any injuries sustained by the driver. Comprehensive car insurance can get you any level of coverage you seek, along with options to customize benefits at your accord as well.
Additionally, look for cover extras. Prompt roadside aid proves to be a vital add-on for your motor insurance policy in an emergency. Cover extras can cover roadside emergencies like flat tires or run out of fuel.
Features of Car Insurance
Car insurance is one of the best ways to keep your car free of third-party liability or costs of repair incurred during accidents. Explore these essential features of Car Insurance UAE:
Driver and passenger coverage.
Natural calamity cover.
Rental car coverage.
Agency repairs, non-agency repairs and premium workshop repairs.
New vehicles will be automatically added to the fleet insurance plan, so you don’t have to process a new fleet insurance plan.
The convenience of completing the claim procedure online or offline.
Car Insurance renting services provide coverage of up to AED 200,000.
Avail of claim assistance.
The minimum premium amount for saloon starts at 700 and 4wd starts at 1100. T&C apply.
Car Insurance UAE brings you up to 45% savings.
Avail of the best-customized insurance quotes online.
Benefits of a Car Insurance Policy
While car insurance in Dubai is a mandatory requirement by the UAE government, it has turned out to be the most beneficial choice for car owners.
Statutory obligations are met.
Improved Financial Stabilization.
Personal accident cover.
Protection From Third-Party Lawsuits.
Large network of garages.
4-wheeler insurance Against Theft, fire, or Loss of Car.
No claim bonus.
Documents Required To Buy Car Insurance Online & Offline
The list of documents given below is required to buy or renew car insurance in Dubai. While general car insurance online might only require you to submit scanned documents, the offline car insurance process requires soft copies.
Details of the driver, for instance, driving license, etc
The registration details of your car, like registration number.
The number of your Mulkiya.
Engine number, chassis number, and other details about the car.
A copy of Emirates ID
Car Insurance Terminologies You Need to Know
Car Insurance Dubai has an array of terminologies you must be aware of:
An actuary is a specialist who evaluates the risks connected to the specifics covered by the insurance business. If the insurance provider agrees to safeguard a car, they are responsible for determining the chances of experiencing a loss.
In the context of a car insurance policy, a claim is a formal request that a policyholder makes to the insurance company to have them pay the comprehensive coverage associated with the loss or damage to the vehicle.
Claim Settlement Ration
The CSR, or claim settlement ratio, is a number that insurance firms are assigned based on how many claims they resolve out of all the claims that are presented to them.
In the instance of a claim, the insurance holder will be responsible for paying a portion of the entire cost, called deductible.
A surcharge is an extra sum that is charged to the premium at a later time during the term of the plan if the policyholder engages in behaviour that puts the insurer at greater risk. Poor or hasty driving, carelessness with the vehicle, and other factors are possible justifications for the premium surcharge.
Prominent Insurance Broker’s reputable insurers have partnered with a select group of A-rated garages in the UAE to provide our customers with the best motor vehicle repair service possible.
Why Renew Car Policy with Prominent Insurance Brokers?
Moreover, if you forget to renew your car insurance policy on time or before the expiry of your existing policy, these brokers will ensure timely renewal services. A prominent car insurance broker renders the benefit of the best car insurance in UAE by giving you a transparent and assisted process wherein you’re unlikely to be scammed for extra or hidden costs.
Frequently Asked Questions About Car Insurance Dubai
To buy car insurance online with professional insurers like PIB Secure can be a great alternative. When purchasing insurance, gather as many quotations as you can to ensure that your choice is well-informed.
Due to lower operational costs and a lack of intermediaries, car insurance online policies supplied by digital-first insurers are typically more reasonable than offline ones. This results in lower commission charges.
Annual car insurance in Dubai typically ranges from 1.25 to 3 percent of the vehicle’s worth. The number of prior insurance claims, the driver’s age, etc., are additional variables that may affect the price of a car insurance policy.