Articles (Gulf Inside) Why go to insurance companies in UAE once you have an internet site where you’ll get everything about car insurance? On this article, you’ll get the list of top insurance companies in Dubai and therefore the other emirates of UAE alongside additional details like sorts of insurance, benefits, dos, and don’ts of insurance.
Before proceeding to guide, please note that it’s mandatory for car owners to use for vehicle insurance as per policy and UAE law.
Types of Motor Insurance in UAE:
There are two sorts of vehicle insurance policies in the UAE:
- Comprehensive Insurance
- Third-Party Insurance
Comprehensive Insurance Policy:
Motor comprehensive insurance also referred to as full insurance may be a complete safety package for car owners which incorporates all kinds of damages to the car either thanks to a road accident, theft, or fire. It also covers and pays to the third party if you’re involved in a road accident.
It is advisable for insurance buyers to check with the insurance companies if passenger injury (physical injury) included in your comprehensive insurance package or not.
Basic and add-ons benefits of comprehensive motor insurance:
- In case of full loss Car will be replaced for 6 months old cars
- Damage repair to your own vehicle
- Damage repair to third party vehicle
- Dent repair (paint-less dent removal)
- Door lock replacement in-case keys are stolen
- Natural disasters
- Windshield or glass damages
- Damages sustained by hitting an animal
- Towing service and roadside assistance
- GCC cover (outside UAE)
- Return of personal belongings or amount of it
- Emergency medical cover
Excluded from the Comprehensive Insurance Package:
- Depreciation of your vehicle
- General wear and tear
- Mechanical or electrical failure
- Damages to tires
- Driving without driving license
- Driving under the influence of alcohol
- Intentional damage
- Unethical use of a vehicle
Third-Party Insurance Policy:
Motor third-party insurance is a basic form of policy that covers damages caused to another party by your car, third party insurance will not pay for any damages to your own car.
In simple words, an individual who is purchasing third party insurance must repair the car on his own expenses.
- Photocopy of Driving License
- Emirates ID copy
- Vehicle Registration Card (Mulkia)
- Vehicle purchase invoice
- No claim bonus (if applicable)
What is No Claim?
No claim is known as “no claim bonus” (NCB) which is like a reward that issue to motorist if he/she don’t make any claim (accident/damage) during the term of the insurance policy. The good thing is that 1 year’s worth of no claim could get a driver up to a 7% discount on the next purchase.
How to choose the best insurance plan?
who does not want cheap and best insurance for their car? before buying insurance in UAE consider your expectations and wishes as per your car model.
If you owned old models (used cars) getting to we’ll suggest you shop for third-party insurance which approximately cost you around 700 AED but if you’re going to drive a 0 meter or luxury car then you should go for a comprehensive insurance plan as in case of accident or damage to the vehicle, the repairing or buying parts for new cars will be expensive.
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But if you owned the full insurance plan, you don’t need to pay anything from your pocket; everything will be repaired or replaced by the agency.
How to get Car Insurance Online:
- Visit website to complete the online form
- Select your insurance policy
- Pay online through your credit/debit card
Best Insurance Companies in Dubai and UAE:
Below is that the list of leading insurance companies in UAE, click the name of the corporate to go to their official website for insurance quotes, or to get your policy online in a few minutes.
1. Salama Insurance 800725262
Salam is a leading insurance company that provides Islamic insurance in the Kingdom of Saudi Arabia UAE, Egypt, Jordan, Algeria, and Senegal. Salam Insurance provides both comprehensive and third party insurance to insurance buyers.
3. Watania Insurance +97126138888
Watania insurance company is well known for its fastest claim settlements, with two general insurance packages comprehensive and third party insurance, Watania recently launched Watania Plus with additional benefits including Mulkia registration, discount on getting an international driving license and roadside assistance.
2. Adamjee Insurance +97142752337
Adamjee is ISO 9001 certified and is additionally the most important general insurance firm of Pakistan with its head office in UAE; Adamjee TAKAFUL plan gives the utmost coverage for accidental, theft, or damage and third party liability with best features & benefits.
4. Aman Insurance 8004998
Commercial & private vehicle owners can purchase the insurance online through Aman online Dubai Islamic Insurance and Reinsurance Co. which give numerous benefits like freed from cost 24/7 roadside assistance, cover for injury to the driving force and passengers, replacement of auto at a very reasonable price, unlimited third party coverage for death or injury and far more.
5. Union Insurance 80084248
Union allows motorists to shop for and renew insurance online with special benefits like air reward points, agency repair replacement for five years, 24/7 roadside assistance, ambulance service, emergency medical expenses, and much more.
You must try Orient insurance or Axa Insurance Dubai, If the above insurance companies list doesn’t suit you, the favored automobile insurance Dubai firms who fully understand customers’ needs.