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Buyanyinsurance is a very quick and reliable insurance company. Feysal assisted me getting my car insurance in 15 min and he was very helpful and p...
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Car Insurance in UAE is a contract where an insurance provider assures compensation in case of damage to the insured or third-party vehicle(s), in return for a yearly premium. It's an ideal way to shield your vehicle and ensure the safety of others on the road with you.
In several countries, including the UAE, having car insurance is a legal requirement. Whether it's for personal or business use, light vehicles, heavy vehicles, or bikes, having an insurance policy is mandatory before hitting the road. This policy acts as a safeguard against financial liability following an accident and facilitates resolution in a timely manner.
Digitization has made it simpler than ever to buy car insurance online in Dubai and the whole of UAE. BuyAnyInsurance provides a trusted online platform to cater to all your Insurance needs in the UAE. Our platform allows you to compare, select, and buy car insurance policies in UAE from the comfort of your home. We will guide you to get the best value for your money.
There are two main types of car insurance policies in UAE –
It insures against damages and injuries caused to third parties in a faulty accident. It does not cover any damages or injuries caused to the policyholder or their vehicle. Third-Party car insurance is the most basic and cheapest car insurance available but offers very less benefits as compared to comprehensive insurance.
Comprehensive Car Insurance or Full Car Insurance covers damages and injuries caused to third parties as well as the policyholder in a faulty or non-faulty accident. It offers robust coverage with more benefits. Additionally, you may add on more features that may increase your premium but offer better benefits.
One of the most asked questions is, between Comprehensive and Third-party Car Insurance, which should be bought. Deciding this may depend on various factors like car specifications, vehicle history etc. What you should know while deciding is, Third-party car insurance usually covers damages to third-party vehicles in case of a faulty accident while comprehensive car insurance covers damages to all vehicles during both faulty and non-faulty accidents. Comprehensive Car Insurance may also cover a wider range of scenarios like fire, accident, natural calamities, etc., which are not in control of the owner and can save you quite a lot of money in case of a claim.
You can get add-ons in your comprehensive car insurance Dubai or comprehensive car insurance UAE to make the policy more beneficial and useful.
Depending on various factors, the following services may be covered in your Car Insurance policy.
Certain circumstances may invalidate your policy or disallow you to file a claim. For example:
Certain additions in your car insurance can make the policy more beneficial. Some of the main ones are –
A lot of people prefer buying car insurance online these days. If you are also thinking the same, then keep in mind a few points.
It is important to understand the type of car insurance policy you require. For a wholesome cover that provides maximum benefits, comprehensive car insurance works best. Although, If you have a limited budget or your car history/specification does not allow you to go for comprehensive cover then you may opt for Third-party car insurance.
When buying a new car insurance lookout for IDV. IDV is the insured declared value of the car. It is the market value less the depreciation based on the car’s age. The IDV also represents the maximum coverage liability that the insurer undertakes. In the case of theft or total loss of the car, the maximum claim amount would be the IDV of the policy. Try and choose an IDV that matches the market value of your car so that the claim is higher.
The Claim Settlement Ratio (CSR) indicates the percentage of claims that an insurance company settles in a financial year. The higher the CSR the better is the company in terms of claim settlement. That’s why it is recommended to compare CSR and choose an insurance provider that has a high CSR.
Comprehensive car insurance provides various add-ons. Choosing the most suitable ones will make your policy more useful, boost the claim payouts, and reduce your out-of-pocket expenses. Keep in mind that each add-on comes with an additional cost.
Always compare the best car insurance plans based on their premium and coverage offered. A plan that offers the most comprehensive scope of coverage and that too at the lowest premium would be the most beneficial.
If you are looking for the best car insurance in the UAE, make sure to check the network of cashless garages in the UAE. If you want to increase the probability of availing cashless settlement of claims, then the insurance provider should have tie-ups with various workshops and garages across Dubai and other emirates in the UAE.
There is a simple formula that’s used to calculate a car insurance premium in UAE:
Premium = Own damage premium= IDV * [Premium Rate (decided by insurer)] + [Add-Ons (eg. bonus coverage)] – [Discount & benefits (no claim bonus, theft discount, etc.)]
Many factors affect how expensive or economical your car insurance premium can be. Some of these include -
You can also use BuyAnyInsurance to calculate the accurate car insurance premium online. Get in touch with our experts to know more about exact premium prices and other car insurance Dubai or car insurance UAE details.
If you are looking to save on your Car Insurance premium and avail maximum benefits at the same time, then follow these steps:
No need to waste time shopping around by talking to many brokers or insurance companies. Just enter your car details on our website to compare car insurance quotations from different companies. If you’re not a tech-savvy person, just speak to our experts who have everything handled for you, end to end.
Third-party Insurance is cheaper than comprehensive insurance. However, if you’re opting for comprehensive coverage, you can choose fewer add-ons. By limiting your add-ons, you can get comparatively cheaper car insurance.
From time to time, Car Insurance companies offer discounts and deals on certain policies. Look out for these offers or ask your insurance expert about the latest available discounts.
Insurance deductibles are the amount you decide to pay out of your own pocket in case of a claim. By opting for a higher deductible, you can lower the premium. However, this affords you little protection in case of a claim, and you end up paying more in an emergency.
An unconventional way to get a lower premium is by being a good driver with little to no claim history on your policy. Policyholders with little or no claim history are awarded a No-Claims discount which lowers their policy premium significantly.
A smart way to get a discounted rate on your insurance is by buying more than one policy. You can club health, home, and motor insurance together from the same provider to get an overall discount on the premium.
You can renew your car insurance online by following the steps below:
The world is going digital and it is so easy and convenient these days to get everything in just a few clicks. Whether it is information about a new car or car insurance online, you can do it and avail all the benefits.
The main benefits of renewing your car insurance online are –
Renewing your car insurance online is quick and convenient. You just need to enter your existing policy number and pay the premium online. The hassle of visiting the agent and standing in queues is over with the online renewal of car insurance Dubai and car insurance UAE.
When renewing your car insurance online you can easily compare car insurance plans and upgrade to a better plan or add beneficial features (at an extra cost) to make your car insurance policy more useful.
The hassle of offline car insurance renewal is now over. You don’t need to go through numerous documents. For online car renewal, you simply need your existing policy number and just a few more details. The policy will be renewed in just a few clicks and you can easily pay the premium online.
You don’t need to wait for hours or days to get coverage for your vehicle. When you buy or renew car insurance online, you get the policy instantly in your inbox and can avail of the benefits from that moment onwards.
