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Before you start running your car on the driveway through Sultan Bin Zayed the First Street, there are a couple of things you need to remember. Car insurance in Abu Dhabi is one such thing. Whether you are opting to buy a new or used car, it is required that you possess legal car insurance in Abu Dhabi. Thus it is required that one understands the various policies and types of providers in order to ensure that the said policy benefits them the best possible way. Here is a list of 6 different things that one should know while purchasing car insurance in Abu Dhabi.

1. Come to a decision regarding which type of car insurance you need:

Comprehensive Insurance:

It is a type of car insurance which is used to cover the expenses of both your car and the one with which you might have ended up in an accident. Due to such a wider coverage, this insurance is most likely tended to be costly. Other areas where this insurance can help for coverage includes theft, fire and malicious acts as well as personal accidents wherein the driver or the passenger might end up injured due to a collision and need medical treatment.

Third Party Liability Insurance:

This insurance is dedicated only for the other car and for the passengers in case of an accident. Therefore, while opting for such type of insurance cover, the cost of the premium will cost much less but one has to pay the amount regarding the damage of their own car. In UAE, when a purchase of a car happens through loan, the banks would disable third party liability insurance instead asking the owner to buy comprehensive insurance.

2. Start the process with the required documents:

While opting to purchase car insurance, they need to provide the following documents as an identity proof and driving experience – copy of their driving license, passport photo page, and visa page and vehicle registration card. (In case of a new vehicle, they need to provide a copy of a pro-forma invoice.)

3. To have a deeper understanding regarding the calculation of the premium:

The calculation regarding car insurance premiums are done after considering the year, make and model of the car, engine size, claim history and driver’s risk profile. For example, if a driver has less experience, the rate of insurance premium that they have to pay is higher than that of a more experienced and older driver.

4. Do not forget to claim the insurance bonus:

In case of having a pre-existing service provider, while you switch your companies for your current car, it's needed that you contact your old insurance company to receive a “ No Claim “ Bonus Certificate if you never had an accident during the past term. Therefore while opting to present the certificate to your new car company; you get a discount on the annual insurance premium.

5. Make sure that you have off-road travel insurance:

In general, the car insurance companies of Dubai only provide coverage for accidents that happen on the road. But since Dubai is one of the most exciting prospects for all sorts of adventure, off road travel like dune and wadi bashing is quite common. When opting to take part in such activities, one must keep in mind that your insurance provides the coverage for such off-road activities as well.

6. Always asks for emergency services:

In regards to having an emergency while en route, like running out of fuel, or having a flat tire, try calling the emergency number that is provided on your brand new insurance card for quicker roadside assistance. Although, there are some insurance companies that do not provide a 24 hour roadside assistance that’s why be sure to look for it before signing up.

What does the car insurance policy from policyhouse.com provide you in the UAE?

The car insurance policy of Policy House provides the following services:

Towing Assistance - During a case of vehicle breakdown, we provide towing assistance to the nearest shop. The cost associated is provided in the insurance policy

Removal and Extraction - Crane assistance is provided for extraction or removal of insured cars from the crash site.

Flat tyre assistance - In case of flat tyre situations, the insurer will assist in providing tire removal, etc

Unlocking ignition key - Roadside assistance is provided for locked cars in case the keys go accidentally missing.

Dead battery and refuelling - It is provided if the car runs out of fuel while driving on the road or to provide a jump-start to the insured car engine.

Conclusion

With the vast number of insurance policies that are being provided by various companies and brokers, it is always advisable to compare the car insurance in Abu Dhabi before you proceed to select the one that is suitable for you. Once you have decided, you can move on with purchasing that selected policy online.