While keeping in view the number of accidents occurring in the UAE and many of them leading to injuries and property damage, auto insurance coverage is meant to protect the other people you share the roads with. Moreover, the primary reason to get this insurance coverage is that it’s the law relevant to ownership of buy cars in Dubai as well as all of the UAE.
The best thing about having vehicle insurance is that it is meant to protect you from unforeseen liabilities. It can be your financial net in case of accidents and can help pay for your own damages and losses. That is why; it is highly advisable to do some homework prior to opting for any kind of auto insurance policy.
Read More: Basic Information on Car Insurance in UAE
Why is Auto Insurance such a Big Deal in Dubai?
First things first, you must get insurance if you would like to drive a vehicle in the UAE, including Dubai. The law needs you to first get insurance prior to registering a vehicle in Dubai or any part of the UAE. Driving uninsured will definitely get you in trouble in the shape of hefty penalties. It is worth mentioning that there are 130 plus types of traffic violations that can result in fines and black points with driving a motor vehicle without insurance being one of them.
If caught, uninsured drivers will have to pay a fine of Dh 500 while incurring four black points at the same time. Besides, the RTA also implements a seven-day retention period for driving without insurance coverage.
A comprehensive insurance covers emergency medical expenses at the very least. It should also offer some level of free personal injury coverage. All these are things that are not included in the third-party liability coverage.
Key Things to Keep in Mind
Considering the rules revolving around driver’s licenses to the significance of using a site that gives you an insight into car insurance in Dubai, there are three crucial points you need to know about car insurance in Dubai and the UAE.
Read More: Everything you Need to Know about Dubai Car Insurance Coverage
Driving License is a Must
Prior to getting car insurance, you must have a valid driver’s license. As far as the law prevalent in Dubai and the UAE is concerned, it requires you to be a resident with a valid visa for getting a driver’s license. This is followed by going to a registered driving institute for your driving classes.
The minimum age obligation for a license in the UAE is as follows:
- 17 years for driving motorcycles
- 18 years for driving cars and light vehicles
- 20 years for driving heavy vehicles and tractors
- 21 years for driving buses
The duration of license validity is 10 years for UAE and GCC citizens. On the other hand, the period is five years for 21 years old expats and above.
Two Options for Car Insurance in Dubai
It is also really important that you understand various types of insurance that are accessible to you. As far the UAE is concerned, there are two options for car insurance, i.e. third party liability and fully comprehensive.
Third-party liability is the minimum coverage needed by the UAE Law. It offers coverage in case of death or physical injury to any third party and any damage to their vehicles. However, this insurance doesn’t cover repairs to your car, any kind of personal medical expenses as well as theft.
Comprehensive coverage is the highest level of protection as it includes Third Party Liability and which saves you from a third party’s submitted legal claims in circumstances wherein the accident is allegedly your doing. Besides, it also saves you against damages to your own materials, vehicles, and property while including driver’s or any passenger’s injuries or death, even if it is your fault.
Read More: What Factors Influence the Car Insurance Cost in Dubai?
Go for the Best Car Insurance Offer
While keeping in view the innumerable options of car insurance companies, it is highly recommended that you do proper homework or take help from a highly regarded online insurance comparison site that can make things easier for you. In addition, it will help save you time, energy, and useful resources because they will easily figure out the options for you.
Read More: Here is everything you should know about car insurance in UAE
