Do You Have the Right Car Insurance Policy?

When you own a car, taking out the right car insurance is crucial. There’s a lot of choice out there, so how do you know which policy is right for you? You could already have the wrong insurance coverage!

Read on to find out what your options are in the UAE and check out the best car insurance policies.

In the UAE, there are 5 different types of car insurance policies:

1. Third-party liability

This is the most basic policy. UAE law requires you to have at least this level of car insurance. The policy covers death and bodily injury caused to any third-party in the event an accident. It also covers third-party property damage, but not damage to the insured’s vehicle. If you are the innocent party, you would need to claim from the other person’s insurance. If you’re at fault, you’ll be in trouble, without being able to claim. We recommend a higher level of car insurance than this.

2. Third-party, fire & theft

This policy is identical to the standard third-party liability policy, but has an added layer of protection. In addition to third-party accident damages, it covers loss/damage from fire or theft. Again, you’re still not covered for personal loss or damages in the event of an accident.

3. Comprehensive/Fully Comprehensive Basic Policy

This policy protects you against third-party liability and also covers your own damages/loss. Coverage includes fire damage, accidents, theft, explosions, lightning and malicious damage by a third-party. View your comprehensive policy offers now.

4. Comprehensive with options

Comprehensive car insurance with options gives you all the benefits of the basic comprehensive policy plus more. You can add on extra benefits at an extra cost, such as agency repair, free car hire, roadside assistance and GCC coverage. You may not think you’ll need all these extras now, but when the time comes, you’ll be grateful that you have them. Check out the best comprehensive policies from top insurers.

5. Comprehensive Premium Level Policy

This is the highest policy available in the UAE and is only offered to select clients at a premium price. It cover third-party claims, your own damage/loss and has many additional benefits.

Make sure you’re covered as you should be. Choose the right car insurance from a top insurer.

The information included in this article is intended to provide information for general purposes only, should not be construed as legal or any other advice on any subject matter and should not be relied upon as such.

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