If you own a car in UAE, you understand the legal importance of car insurance. But how do you choose the right car insurance when multiple options are available today?

This step-by-step guide will help you purchase the best car insurance UAE by sharing everything you need to know, from insurance policy types available in UAE to tips for saving time and money.

Types of Car Insurance In The UAE

Depending upon your vehicle requirements, you can choose any one of these two kinds of insurance types available in the UAE.

Comprehensive Insurance

Comprehensive automobile insurance provides broad coverage, covering a wide range of unexpected incidents. It not only covers your vehicle from loss but also the damage and liabilities towards third parties involved in the mishap.

Since this type of insurance offers more benefits, these are generally priced higher than third-party insurance types.

Third-Party Insurance

Third-party insurance types are compulsory for every vehicle owner in the UAE. Under this insurance type, a person covers damages or injuries to third parties but does not get coverage for one’s own car.

Though it is quite an affordable insurance option, it can be a costly affair in case of accidents because you have to bear the repair bill of your own vehicle.

Step To Buy Car Insurance In UAE

Buying car insurance in the UAE is a simple process. Here’s a step-by-step guide on how to get your car insured with ease and efficiency in the UAE.

Gather Required Documents

There are some documents that are needed to validate your identity and your vehicle’s details before purchasing car insurance in the UAE. These documents involve your Emirates ID, Driver’s license, Vehicle registration (Mulkiya)  and previous insurance policy (if applicable).

Request Quotes

Contact various insurance providers and get quotations from them either by phone calls or by visiting their websites. You can share your car details and get access to multiple insurance quotes from such insurance providers.

Compare And Select A Policy

Review all quotes received and compare them. While the right policy requires price and benefit considerations, don’t forget to choose the one that best suits your needs, not necessarily the one that costs the least.

Submit Application

Now, once you have selected a policy, you will have to fill out an application form and send it to the insurance provider along with the required documents. In some cases, some insurers provide easy online applications, so you do not need to physically approach their office.

Make Payment

Once you have applied for the insurance, you are expected to pay for it. Most companies take into account quite a few payment options that also include paying in installments.

Receive Policy Document

After you have filled out the form and paid for it, you will be issued the policy document. Once the insurance policy is issued, your original insurance policy will be sent to you.

Tips To Buy The Best Car Insurance In UAE

You need to be very vigilant while buying car insurance Abu Dhabi to get the the best coverage for your vehicle. Here are a few tips that can help you buy the best policy:

Understand Policy Type And Plan Details

The different types of car insurance plans vary from one to another, so it is necessary that you know the specific type of policy and what is in the plan.

Most importantly, check the coverage given, including inclusions and exclusions. It is also advisable to compare different policies to make the proper choice.

Get Third-Party Vehicle Insurance

While full coverage insurance offers extensive cover, third-party cover is the statutory minimum in the UAE. Third-party car insurance is essential because it pays liabilities in case of an accident or damage to the car. If the comprehensive plan exceeds your pocket, you should have at least third-party cover.

Choose A Policy That Suits Your Needs

Before buying a policy, take some time to examine what it covers and make sure it is in accordance with your needs. Most people neglect this and later realize that the policy does not cover all aspects needed.

Carefully reading the details of the policy will help understand what is covered so that you are not surprised when the need arises to file a claim.

Consider Additional Benefits

Although basic car insurance service can cover everything, including theft and fire damage, you should look at additional benefits if you require more peace of mind.

Some online car insurance UAE offers optional add-ons like roadside assistance, emergency car service, or personal accident coverage. Though a little pricey, these can pay for themselves in the long term.

Watch Out For Policy Charges

Always read the detailed policy charges before you purchase. You may discover that some policies appear pretty cheap but lack the actual coverage that you may need.

Also, ensure that there are no hidden charges that may be billed to you after you have purchased the policy.

Online car insurance in the UAE is not just a legal requirement but also a form of investment toward the safety and security of all car owners. Buying car insurance Dubai can protect your pocket and peace of mind.

But the key lies in buying the best insurance policy offering wider coverage. Use the tips in our guide to select and buy the most apt car insurance Ajmanand car insurance Sharjah.

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