Car insurance is really important to have in this day and age. Any person owning a car should be equipped with good car insurance. It is even better to buy car insurance before purchasing a car. This way, you can get 100% security. If you want to buy used cars in UAE, visit the CarSwitch website.
Special coverage offered by car insurance in Dubai
There are some additional perks which can be purchased along with the standard insurance plan to boost the extent of coverage. Below are a few points which might be valuable to have as add-ons on the current car insurance plan.
- 24 hours roadside assistance
- Personal accident cover – The registered driver and passengers can take the benefit if any of them pass away or get injured due to a road accident.
- Windscreen damage cover
- Natural disaster cover
- Off-road coverage – This guarantees the insurance coverage for off-road issues
- Agency repairs
- Grace period for insurance renewal of vehicle
- Coverage given to emergency medical services or personal belongings
- Car cash or car hire cover advantage – In this cover, the insurance company compensates for hiring an extra car. Some auto insurance companies in the UAE provide courtesy cash when the insured car is being fixed
- Expanded third party cover
- GCC cover or Oman cover for people who usually go to surrounding countries
- Free drop-off and pick-up to and from airports
Things that are not covered in car insurance policies of Dubai
Car Insurance in the UAE do not cover for losses or stand nullified due to following situations:
- Overloading
- Any claims filed after 3 years of the accident
- Driving with an invalid driver license or driving after drinking
- Doing intentional damage or giving misleading information
- Immoral usage of the insured vehicle
What is a No Claim Bonus in Auto insurance?
No Claim Bonus is a discount given to the registered driver for not raising a claim on the insurance policy in the active term. This special discount can be availed during the renewal of UAE car insurance policy the following year. A few advantages of the No Claim Bonus are given below:
- No Claim Bonus can differ among car insurance companies
- No Claim Bonus can be transferred during the time of insurance renewal of the vehicle or porting
- No Claim Bonus is a very dependable method of decreasing car insurance premiums when it comes to comprehensive car insurance
- The No Claim Certificate is required from the insurance company to transfer the offered discount advantage
- No Claim Bonus above 20% can be further used as a discount on insurance premiums for the following year
How to search for affordable car insurance in the UAE?
Having so many choices for buying car insurance online, it has become simple to surf through a list of the top insurance providers in the UAE and choose the one which satisfies your preferences. In order to avail affordable car insurance in UAE, all you need to do is:
- Open the car insurance website or visit the car insurance marketplace
- Complete the online form with all details to have car insurance quotes anywhere in the UAE
- You will be given with a list of affordable car insurance plans that are made to satisfy different budgets and requirements
- Compare different car insurance plans and select the one which is compatible with your preferences
- Submit required documents and pay at the end
How to renew car insurance in the UAE
Car Insurance is supposed to be renewed prior to the expiration date. The process of car insurance renewal is anything but time-consuming. If you do it online, it will only take 1 minute. You have to do the following for the car insurance renewal:
- Go to the car insurance website and click on the renewal portal after logging in
- Click and open the insurance renewal portal. There will be a car insurance renewal form
- Type out the required specifications. These details can contain personal information and policy number
- Choose any add-ons and continue towards the payment
- After completion, download the policy documents and your receipt to finish the process
Depending on the car insurance company, the steps will vary. However, the gist of the procedure is the same. The insurance plans can be renewed offline by talking to the branch office or insurance broker. This is even more convenient.
