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What is car insurance?

Car Insurance is a contract through which an insurance company guarantees compensation in case of damage to the insured or third-party vehicle(s) in exchange for a yearly premium. It’s the best way to protect your vehicle and those on the road with you.

Car Insurance is mandatory by law in Dubai. Whether it’s a vehicle or a group of vehicles for personal or business use, light vehicles, heavy vehicles, or bikes, it must be insured before it’s allowed on the road. It serves as a precaution against financial liability in case of an accident and resolves conflict in a timely and civilized manner.

Car Insurance is easily available in Dubai, with BuyAnyInsurance offering a trusted online platform to fulfill all your car insurance requirements.

Benefits of Car Insurance in Dubai

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The main benefits of car insurance in Dubai are -

  • Safeguard against loss of or damage to your car
  • Liability coverage for third-party claims of damages, injury, or death
  • Insurance for third-party property damage
  • Precaution against financial liability

Types of Car Insurance in Dubai

Third-Party Car Insurance

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

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.

Best Car Insurance in Dubai

BuyAnyInsurance has partnered with the best car insurance companies in Dubai:

  • Al Wathba Insurance
  • Sukoon Insurance
  • Noor Takaful
  • Adamjee Insurance
  • Tokio Marine Insurance
  • Dubai National Insurance
  • Al Buhaira Insurance
  • Salama Insurance
  • Emirates Insurance
  • Rsa
  • Al Sagr Insurance
  • Gig Insurance
  • Fidelity United
  • Arabia Insurance
  • Qatar Insurance
  • Insurance House

What Does Your Car Insurance Cover?

Depending on the chosen car insurance policy, the following services or benefits may be covered:

  • Vehicle Repair Service – In case of vehicle breakdown or damage, the cost of repair of the policy holder’s vehicle or third parties vehicle may be reimbursed or paid directly by the insurance company to the garage.
  • Roadside assistance – It means towing the car when needed, fixing the car tire, checking or charging the battery, running out of fuel service, assistance with lost keys etc.
  • Natural Disaster Cover – As the name implies, cover would be provided for damages or injuries arising from events outside human control like flood, riots, strike, earthquakes etc.
  • Agency Repair Service – It means repairing a vehicle's damages at the auto repair service of the agency where the vehicle was purchased.
    For example: If a car is Corolla, it would be repaired by Toyota's own workshop.
  • Rent a Car Service – This service is provided for the duration of the car repair. It can either be paid directly for by the insurance company or reimbursed depending on the terms of the policy.
  • Personal belongings cover – This covers damages to personal belongings in a car in the event of an accident.
  • Third-Party Bodily Injury Cover – In case of an accident, bodily injury cover pays for the medical costs of the people who are injured (Excluding the policyholder).
  • Emergency medical expenses - In case of an accidental injury caused to the driver or a third party, this cover pays for the ambulance, medical costs, and emergency treatment.
  • Personal Accident benefit - A Personal accident cover will pay for the compensation in case of bodily injuries, death or any permanent disability resulting due to an accident for both drivers and passengers.
  • Fire & Theft Cover - To obtain protection against damages relating to theft or fire, this cover is a must-have.
  • Windscreen Damage Cover - Replacing the windscreen can be expensive and isn’t always included in your policy.
  • Offroad Cover - This add-on benefit usually covers damages or losses incurred when a vehicle is driven offroad.
  • Total loss cover - If the damage to your vehicle is irreparable, this benefit will compensate you for your entire vehicle depending on the fair market value.
  • GCC cover - If you travel a lot with your vehicle, this is a very useful cover that offers protection against damages due to accidents all over GCC.
  • Oman Cover - If you travel to Oman very often, then this a very useful cover to have to stay protected against damages to you or your vehicle in case of any accidents.

Car Insurance Exclusions

A few incidents that can nullify any claims or terminate your car insurance policy are below:

  • Driving without a license
  • Driving under the influence
  • Overloading the vehicle beyond specified capacity
  • Withholding or intentionally providing misleading information
  • Intentionally damaging the car by initiating an accident
  • Using the vehicle for any purpose other than that mentioned expressly in the insurance policy
  • Filing a claim after the time specified in the insurance policy

FAQs

What is the eligibility for purchasing car insurance in Dubai?

You are eligible to purchase car insurance in Dubai if you meet the following criteria: Are a citizen or resident of the ...

You are eligible to purchase car insurance in Dubai if you meet the following criteria:

  • Are a citizen or resident of the UAE
  • Are of the age 18 years or above
  • Have a valid driving license

What Factors Influence Car Insurance Premiums in UAE?

Several factors can affect the cost of your Car Insurance premium. These include: Driver’s age Driver’s ...
Several factors can affect the cost of your Car Insurance premium. These include:
  • Driver’s age
  • Driver’s location
  • Vehicle type
  • Vehicle’s market value
  • Claims history
  • Insurance holder's driving experience

Do I still need car insurance if I’m visiting Dubai or renting a car?

Most car rental companies provide renter insurance within the cost of renting the vehicle. However, they can be the most basic ...
Most car rental companies provide renter insurance within the cost of renting the vehicle. However, they can be the most basic coverage and might not suit all your needs. It is best to go through the insurance coverage and add features that you need.

Is it necessary to buy car insurance in Dubai?

Yes, not only is it mandatory by law it also makes a lot of sense. Living in Dubai can be expensive. Add to that unexpected ...
Yes, not only is it mandatory by law it also makes a lot of sense. Living in Dubai can be expensive. Add to that unexpected motor repair and medical costs in case of an accident. Car insurance is a way to mitigate these costs and keep you on the right side of the law.
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