Frequently asked questions and answers
Insurance can be confusing, especially some of the terms. Our easy guide will help you understand what specific terms mean.
Insurance can be confusing, especially some of the terms. Our easy guide will help you understand what specific terms mean.
Home Contents Insurance only covers personal items within your home's confines. It includes all electronics, appliances, and furniture because they rarely leave home. Things like portable cameras, laptops, and sports gear which are regularly taken out of the home for use, are not included. To ensure the safety of those, you will have to take out a Personal Belongings Insurance policy.
It isn't mandatory to get home insurance if you're renting, but it will be helpful. When you rent an apartment, you need to understand that only the building's structure is insured, not your belongings or the content of your home.
If you intend to live in the UAE for a considerable time, you should look into insuring your home's content and personal belongings. If they get damaged, you will have to pay for replacements through your pocket, which is inconvenient and devastating at worst. Is that a risk you're willing to take?
Excess, or deductibles, is a set amount that the insurance holder has to pay before the insurance company compensates the rest of the claim. Insurance companies enforce this so the policyholder will practice diligence towards home maintenance and the general up-keep of the property.
The formula is simple – the higher the excess the lower the premium. Though higher excess might make sense in the short term because they lower the premium significantly it is not recommended for the long term. Reason being you’ll have to pay a greater amount out of pocket in cases of higher excess. So if you want the insurance company to pay more of the claim go for lower excess.
Unoccupied properties are at greater risk of theft, burglary, or damage due to malicious vandalism. However, the property is still insured for up to 30-60 consecutive days without being occupied, depending on the terms of your insurance policy. Remember that the claim will become harder the longer the property remains unoccupied and will be completely rejected if the tie period is extended beyond 60 days.
It depends entirely on your unique case. Factors such as the location of the building, how big or small it is, extra features such as a large garage, a basement, or a swimming pool are also included, as well as how much you want to cover, especially home contents and personal belongings. Another factor that adds to the coverage is whether you will use the property personally or put it up for rent.
Each case is unique, and the buyer's needs will greatly affect what is covered. Only those aware of the location of the building and its surroundings will know just how much coverage is adequate.
Keep the following steps in mind when making a claim -
Submit the above to your insurance provider as soon as possible (preferably within 7-15 days) to start the claims process
Yes, it's a legal requirement to have a car insurance cover in the UAE, which also adds a layer of financial security. Living in the UAE can be costly, and unexpected vehicle repair or medical expenses post-accident can add to the financial burden. A car insurance cover helps mitigate these costs, ensuring you stay compliant with the law.
The market for Car Insurance in UAE is diverse, with many providers offering various plans. It's crucial to compare options to ensure you're getting the best coverage to meet your needs at the best price. Comparing, evaluating the pros and cons, and then choosing the car insurance that aligns with your requirements is a smart approach.
Several factors can affect the cost of your Car Insurance premium. These include:
Checking a car insurance policy number online or in person is straightforward. You can view your policy number on the soft copy of the policy document, through SMS, or by calling the helpline number. This number is vital during car insurance policy renewal or in the aftermath of a car accident.
Car Insurance policy in UAE is personalized to your profile, and cannot be transferred to another individual along with the vehicle. If you sell your car, it's advisable to cancel your policy. The new buyer will need to initiate a new policy for the car.
Absolutely! Renewing your insurance is easy on BuyAnyInsurance.com. Whether you're purchasing a new policy, switching providers, or renewing your existing car insurance policy, just visit our website or give us a call at 800 765 429.
Yes. It is true that pre-existing conditions, including maternity care and chronic pain, are not covered in health insurance policies in the first six months. However, if you fail to disclose a pre-existing condition it can deem your entire policy null and void. Insurance providers determine your policy according to your specific requirements. If you do not declare pre-existing conditions, or give an accurate account of your health your policy may be declared fraudulent.
A provision in the UAE offers a grace period in which a policyholder can cancel their policy and get their full premium back. It is, of course, only possible if the policyholder has made no claims on that policy.
Yes, it is. The UAE government is so dedicated to medical insurance for everyone that they have government-sponsored health insurance available for residents and nationals alike.
Your health coverage depends entirely on the policy you choose. There are a few exemptions across the board in medical insurance, such as cosmetic procedures. Still, you can add most other health concerns to your policy with a corresponding increase in your premium.
It depends on the insurance provider. Some are satisfied by a complete declaration form, but some may require a medical report from your doctor. Be sure to ask the insurance provider you choose which documents they would require for the policy.
It depends on the health insurance policy you have chosen. If you selected a GCC coverage policy, you would be covered when traveling in any GCC country. Similarly, if you have worldwide coverage make sure the country you are traveling to is mentioned in your insurance policy
There are two ways to make a claim:
You can show your card if you receive medical attention at a network hospital or clinic. The hospital or clinic will claim the expenses themselves, and you don't have to bother with the claims process. You don't have to pay upfront in these cases unless your medical insurance policy doesn't cover the procedure or you have a co-pay.
If you choose to get treatment at an off-network clinic or hospital, for whatever reason, you will have to pay upfront. Later you can claim medical insurance by submitting the receipts to your insurance provider. They will assess if you have coverage and reimburse you accordingly.
Knowing the claims process before buying travel insurance is a good idea. People think the claims process is intentionally complicated to avoid paying compensation, but that's not true. Once you understand the process, you realize it's straightforward indeed.
● Keep a copy of your travel insurance policy with you. If you buy the policy online through BuyAnyInsurance.ae, a soft copy is sent to you within the hour of purchase. A soft copy on your phone is just as good as a hard copy if you don't want to carry too many papers on your travels.
● In the case of an emergency, you should immediately email or call your insurance provider. Most insurance providers have offices in countries all over the world. Your insurance provider's email address and contact numbers are available on the insurance policy.
● Collect all the documents about the claim. It can be payment receipts, photographic and video evidence, police reports, or medical reports. You can send these documents through fax, email, or post. Sometimes the insurance provider outlines their preferred method of receiving documents in their insurance policy.
● Submit a claim form. These are easily available on your insurance provider's website or the comparison website you purchased the policy from.
● Once your claim form and documents are submitted, an inquiry begins. A surveyor is assigned to your case who investigates the claim and policy inclusions.
On BuyAnyInsurance.ae, you can get quotes for travel insurance in under one minute and have an effective policy start within the hour. For travel insurance, you must have insurance at the latest 2 hours before departure.
Since BuyAnyInsurance.ae makes online insurance purchases easier, you can buy your travel insurance on the way to the airport from your mobile. Pay online through a safe and secure payment system and be insured when you reach the waiting lounge for your flight. The insurance details will be sent to you via email for your convenience.
Getting travel insurance for the family is great because not only does it protect your loved ones, but it also offers a discount on the policy. But what comprises a family in terms of travel insurance? A couple with at least one child is considered a family. So if you are a family with children, you can apply for family travel insurance and avail the discount.
It would help if you asked what the cut-off age for your children is. Some insurance providers deem children over a certain age do not apply for family travel insurance.
On a side note - you might not be able to get family insurance as a couple. Still, we would encourage getting individual travel insurance policies instead of one covering both. It might transpire that you might engage in different activities separate from each other on your travels. If one of you is more adventurous, then they won't be covered enough on a single policy, but if one of you isn't very sporty, you'll be paying too much for the risk of only one person. In the long term, buying individual travel insurance is much safer and cheaper.
There is no fixed cost of a travel insurance policy. It depends upon the cover you choose and the destination you’re traveling to.
A single-trip policy is non-renewable whereas an annual multi-trip policy can be renewed.
The insurance cover can be customized by opting for the add-ons on top of the base policy. Generally, two-wheeler insurance covers the costs related to liability claims, legal fees, death or bodily injury, property damage, depending on the limits of the policy opted.
Comprehensive bike insurance is considered to be the best and most value for money insurance for your bike because of the coverage it offers. If your budget is less, you can also opt for a third-party liability insurance policy. Include various add-ons to make your policy stronger.
You can get the best bike insurance online by making an online insurance premium comparison through BuyAnyInsurance and get the best estimated cost through an insurance calculator.
The cost of the bike and type of bike sums to the premium amount paid against your bike insurance. Factors such as age, claims, history of the applicant are also taken under consideration.
Since the risk of accident and theft is higher with luxury and sports bikes, it is slightly more expensive to insure them as compared to a regular bike.
Of course! There can be many reasons you want to switch to a different insurer. You can switch insurance at any time. Choose a new policy on BuyAnyInsurance.ae and purchase it before cancelling your current plan with your insurance provider. It's as easy as that!
No! BuyAnyInsurance.ae does not charge for comparing and reviewing insurance policies. It does not take any service fee or usage fee. Our services for buyers are free. You can compare multiple insurance policies, keep changing features, and log out without buying anything, which is perfectly alright. There is no limit to how many times you can use BuyAnyInsurance.ae. You will not be charged for comparing insurance policies.
BuyAnyInsurance.ae does the grunt work by searching the internet and gathering the relevant information of all insurance policies that apply to you on one platform. It saves you time and headaches and makes insurance-related decisions easy to make. You can also save your quotes and buy later, or buy immediately and get insurance within the hour. It's simple!
Our chat box is partially automated. After initial automated questions to determine what you're looking for, you are transferred to one of our insurance expert agents who guide you through the process or clear away any concerns you might have.
Once you've made a payment and it is cleared, you can expect a soft copy of your insurance policy in your inbox within the hour. That means you are insured. You can always print it out if you like hard copies and request a hard copy from the insurer, which will take a few days to arrive, but be assured that your insurance coverage starts as soon as you receive the email in your inbox.
Yes, you can use your debit or credit card online to pay for your car insurance policy. You also have the option to do an online bank transfer.
When you pay on BuyAnyInsurance, you pay directly to insurance companies so you know who you pay and what.
Depending on the insurance company policy and the premium, an installment payment plan may be available. It is best to check with our insurance experts in such cases.
Yes, a car insurance policy premium can be paid with a credit card. However, there might be an additional fee. Before paying your car insurance premium with your credit card, check to see if you are being charged any additional fee.
From time to time, numerous insurance companies provide a discount for paying in full in one go. It is always best to check with our insurance experts if there are any latest discounts from insurance companies.
Monthly payments might appear like the more affordable option upfront, yet it's almost always the most expensive method to pay for a car insurance policy. Paying annually might feel like you are shelving out more cash up front, but you might make up for it in the price advantage that you get.
The insurance premium computation differs with different variants, and there is no basic guideline for the precise premium to be the same for every plan. It varies for each insurance plan depending on factors like plan chosen, age, claims history etc.
Yes, you can pay using your debit or credit card for your car insurance policy.
When you pay on BuyAnyInsurance, you pay directly to insurance companies so you know who you pay and what.
The most convenient way to pay for your car insurance policy would be using a credit or debit card and an online bank transfer. You also have the option to pay by cash or cheque which would require you to visit our offices.
Yes, you can make the payment for your car insurance policy online using your credit or debit cards. Alternatively, you may also do an online bank transfer.
Accordingly, insurance firms might pick to offer an installments costs payment plan or otherwise offer one. installments fees are ruled out as a part of the insurance company's base costs and need not be included in the insurance company's rate filing to the Division.
Yes, a car insurance policy can be paid with a charge card. However, it might not always be the wisest course of action. Before paying your auto insurance coverage with your card every month, check to see if your insurer will charge you costs for paying with a card.
Paying your insurance policy costs yearly is usually the least expensive alternative. Numerous firms provide a discount for paying in full because it sets you back extra for the insurance company if an insurance policyholder pays their costs monthly since that needs guidebook processing each month to keep the policy energetic.
Monthly payments might appear like the more affordable option upfront, yet it's almost always the most expensive method to pay for automobile insurance coverage in the future! Although it's even more cash upfront, you'll conserve Money on your prices if you can pay for the year or for half a year when you buy automobile insurance.
An insurance grace period is the size of time you have after your due date to pay your Premium before your insurance company terminates your plan. Grace periods differ by insurer, plan, as well as the state. They can range from 24 hr to three months. Some insurance coverage has no grace periods at all.
Late payment may result in the cancellation of your policy and thus would make driving illegal as per the UAE law. It may also incur fines. If you enter an accident after your vehicle insurance lapses and you haven’t paid to renew it, you'll have to pay out of pocket for any damages on your own, others, and your car, plus bear some heavy fines and black points as per UAE law.
Before we answer this question for you, there is something you need to keep in mind. The first question is whether you should even CONSIDER your present policy providers. As every car policy provider provides a different level of coverage and premiums, you should always shop around for the best deal. For instance, if your present premiums are not working, you should change your policy add-ons, coverage type, or even your insurance provider. So contagious is this trend that even motor insurance online KSA is seeing a rise in its popularity. And now, you can get a car policy renewal online or by visiting an insurance company’s office! However, both of these methods have their pros and cons.
Insurance comparison portals!Yes! To facilitate ease for the clients short on time, clients can use these well-built portals, which process your information instantly. Also, motor insurance online UAE legislation has played a prominent role in encouraging the emergence of these portals. Add a little entrepreneurial touch, and you can see how useful this facility can be!
Briefly, yes! However, you must first provide information like your car make, model, year, and automobile details. Afterward, you provide some required documents, and BOOM; you are ready to make your payment. Additionally, you can make motor insurance online Dubai payment through VISA, Master Card, Cash Payments, or even through installments.
Almost instantly! The basic model of insurance comparison portals is based on the idea of getting instant quotes! This allows you to compare several vehicle coverage providers online and save Money and savings.
Yes this is possible, but not every insurer allows customers to buy car insurance completely online. You have to visit some insurers in order to buy car insurance.
Yes! You can renew your motor insurance online. In fact it is easy to renew motor insurance online, all you have to do is to check the coverage details.
Following are the documents required for a third-party car insurance claims as mentioned below:
A valid driver’s license is a must, and a copy of the licenses of your family members who’ll be driving the vehicles you hope to ensure is also needed.
You need a valid copy of the car registration of the car you’d like to insure. If you want a homeownership discount, bring proof of homeownership, which can come from tax documents or a homeowner insurance policy.
The present Declaration page is essential if you already have a car insurance policy and are looking to get a new one. It helps the insurers find what coverage you currently have on your car and gives a quote accordingly. In some cases, insurers will only ask for this document to fetch other details from your prior insurance histories.
Documents for Any Change In the Insurance Coverage
If you want to add a new person, bring their driving license; and bring the registration document if any vehicles are being added. Also, consider bringing the insurance policy to comply with the required coverage.
In most cases, insurance providers do not cancel the policy unless proof of replacement is shown. The laws on vehicles probably restrict them from doing so. However, bring proof of replacement coverage when you want to cancel a policy. As long as you have a plan with you, no one will question it, but in other cases, insurers want to know why you wish to cancel your policy so they can find ways to meet your needs.
Little preparation goes a long way when buying new insurance or only changing the old one. Besides these tips, you can also check with the broker about your documents. However, with the new online marketplaces, it has become easier to buy car insurance. Digitization is leaving the traditional ways of getting car insurance.
You need to fill in the necessary information, share your documents, and get your policy delivered.
BuyAnyInsurance is a platform where you can easily get all information related to your insurance. You can also get your car insurance in 60 minutes online, from anywhere in the UAE.
Following are the documents required for the vehicle insurance renewal:
If you cancel your car insurance in the UAE, you'll generally get a refund on your optional extras, minus a bit for the time you've been covered and any cancellation fees you must pay. Keep in mind that you may no longer be covered under your insurance policy once you cancel.
When you cancel your car insurance policy, it usually stays on your insurance record for about five years. Still, it can be longer, and it could result in you needing high-risk car insurance in the UAE, which comes with higher-than-average premiums.
If the injury prevents the worker from working:
If an occupational injury or disease leads to the death of a worker, the family members are entitled to compensation. This compensation equals the worker's basic wage for twenty-four months, with a minimum of eighteen thousand Dirhams and a maximum of thirty-five thousand Dirhams.
The family of the deceased worker includes those who relied primarily on the worker's income for their livelihood at the time of death:
Workmen's compensation insurance in the UAE provides a range of benefits for both employees and employers. It covers:
In the UAE, the following individuals are eligible to be covered under workmen's compensation insurance:
The employer or their representative must promptly notify the insurance company, as well as the police and the Labor Department or its branch overseeing the workplace's location. This notification should include the worker's name, age, occupation, address, and nationality, along with a summary of the incident's circumstances and the medical aid or treatment provided.
Several factors influence the rise or fall of workers' compensation insurance premiums, including:
In the UAE, workers' compensation insurance is a critical requirement for a wide range of companies and operators to ensure the safety and financial protection of their employees. Employers in the UAE are obliged to compensate employees for any partial or total disability or death, as well as during the treatment period.
Some types of operators and companies that are obliged to provide workers' compensation insurance include:
This type of coverage is a compulsory insurance requirement to operate your business in the UAE. By purchasing workmen's compensation coverage, you comply with UAE Federal Law No. 8 of 1980 and its subsequent amendments.
Additionally, this insurance policy protects your employees' financial interests against occupational diseases, permanent or partial disabilities, work-related injuries, and death occurring during their employment.
Public liability insurance covers claims made by third parties for bodily injury, illness, or damage to their property. In contrast, professional indemnity insurance provides coverage against claims made due to errors or negligence by professionals in the course of their work.
Here are some steps to help you select the perfect policy in the UAE:
Yes, many insurance providers in the UAE offer the option to buy insurance policies online. Visit BuyAnyInsurance.ae to compare quotes for free and choose the best public liability insurance at an affordable price.
The cost of public liability insurance in the UAE varies based on several factors, including:
Public liability insurance in the UAE protects your business against claims for loss, damage, or injury resulting from your business activities. This coverage helps safeguard your business from potential legal and financial liabilities.
If your business interacts with third parties, it is essential to obtain public liability insurance (PLI) or third-party liability insurance to cover any potential legal or financial claims. You should consider purchasing PLI if you fall into one of the following categories:
No, public liability insurance is not mandated by law in Dubai or the UAE. However, it is essential for businesses that frequently interact with customers, as it protects against potential legal and financial claims.
Accidents can happen even with the best safety measures in place. To ensure the smooth operation of your business and to safeguard yourself financially and legally, obtaining public liability coverage or third party liability insurance is essential. This insurance provides protection against legal liabilities arising from accidental injuries, property damage, negligence, or damage caused by your products or services.
Whatever your requirements, you can obtain public liability insurance online in Dubai, UAE, with BuyAnyInsurance. We offer customizable policies tailored to meet your unique business needs, ensuring comprehensive coverage for your business and its future.
Yes, most construction all risk insurance policies include deductibles, which are the amounts the contractor must pay out-of-pocket before the insurance coverage kicks in.
Yes, Contractor's All Risk insurance covers damage or loss due to natural disasters such as floods, earthquakes, and windstorms, unless the policy explicitly excludes it.
Contact your insurance provider immediately and notify them about the loss or damage. In cases of theft or burglary, call the police right away. Submit detailed documentation to the insurance company and prepare any invoices or receipts.
A Contractor's All Risk insurance policy covers material damage or loss occurring at the construction site. Additionally, it includes third-party liability for injury and property damage.
To ensure you select the appropriate construction all-risk insurance policy, consider the following factors:
Contractors and construction companies need to get Contractor's All Risk Insurance in the UAE.
Yes, as per the law and Executive Council Resolution No. (28) of 2022, contractors must obtain an insurance policy to conduct their construction projects in Dubai. Additionally, every contractor must provide comprehensive coverage against any material damage, risks, and losses related to construction works, as well as third-party liability.
Contractor's All Risk, or Construction All Risk insurance, is a type of insurance in Dubai, UAE, designed to protect contractors against construction-related risks, including property damage and third-party liability due to natural disasters, accidents, and labor disputes during the construction period. The Contractor's All Risk policy can also offer additional features such as business interruption and equipment breakdown coverage. This policy provides financial protection and can be tailored to the specific needs of contractors, ensuring projects are completed promptly and affordably.
