With around 11 auto insurers in the UAE, auto insurance is easy to obtain and most of the major insurance companies are well represented in the Gulf region. AXA Gulf is probably the best known for car insurance in Dubai; They have been in the region for many years and offer a wide range of insurance policies, not just for motor vehicles. However, they are not your only option. RAK Insurance, RSA UAE, AIG UAE, Zurich Insurance UAE, and Oman Insurance Company are just some of the options available.
There are 2 types of insurance coverage available: comprehensive coverage and liability coverage. Comprehensive coverage offers comprehensive protection in the event of accidents, whether it’s your fault or not, along with a number of other options that may include, depending on the insurer:
Personal accident, injury and passenger coverage– This coverage gives you the option to ensure that both you and your passengers are covered in the event of injury during an accident involving the insured vehicle. This is usually an additional cost in addition to the basic coverage. Examples include emergency medical expenses, which include coverage up to an agreed amount if medical treatment is needed as a result of an accident and personal effects coverage for loss or damage up to an agreed amount if the result is damage or loss of the vehicle. . fire, lightning or external explosion.
Agency repair– This policy covers repairs to the vehicle, but is often only available on new cars, in which case it is possible to get coverage of 2-5 years, or cars that are up to 2-3 years old. In most cases, coverage is only available until the car is 5 years old.
Off-road coverage and GCC (Gulf Cooperation Council)– If you intend to drive in the desert or off-road, it’s a good idea to make sure you have a car insurance policy that covers this as well.
Excess fee– If you cause an accident, the excess fee is what you pay on top of your coverage when the vehicle is repaired.
Additional benefits: Some other types of coverages that can be included as standard or as optional extras include a replacement car if your car is being repaired, Roadside assistance including towing to an authorized repair / service center if the car breaks down and starts the car. case of a discharged battery and so on.
The other type of car insurance is liability coverage, which only covers the other vehicle if it causes an accident. Any damage to your own vehicle is your responsibility to have it repaired. This policy is most commonly written with older cars that do not qualify for comprehensive coverage.
Apply for car insurance in Dubai and the United Arab Emirates
When applying for car insurance, you will need information such as the make, model, engine, and chassis number of the car. Most insurance companies now offer an online service so you can search for the best policies to suit your needs and budget. However, it may be much more convenient to use an online service that does all the research for you and then presents you with some of the best options based on the circumstances provided. 8keyz has a hassle-free 3-step online process available on their website to make the entire insurance process quick, easy, and efficient.