Blog

Insurance and cars go together. Your care for your car will increase as you grow to love it. And what better way to express your love than by getting enough auto insurance to cover any unforeseen events?

Almost inevitably, your car will sustain damage over time. If your car is damaged, you can spend a lot of time at the network garages of your insurance provider. For those who depend heavily on private vehicles, it can be exceedingly challenging to carry on with daily activities while cars are being repaired. Due to this, the majority of insurance companies in UAE also provide replacement car covers in addition to standard auto insurance.

Here let’s see in detail about the replacement car cover.

What is a Replacement Car Cover?

Car insurance packages come standard with replacement car covers. If the damage was brought on by a fire, a theft, or an attempted theft, and you have comprehensive coverage or third-party fire and theft coverage, this benefit applies.

For as long as we are handling an accidental damage claim, we will give you a substitute car if your vehicle is damaged due to an accident, fire, or theft. 

What Qualifies as a Replacement Car?

Replacement cars are simply loaner vehicles provided by the vehicle insurance provider to replace your own vehicle while it is being repaired. The availability of spare cars at the garage where your car is being fixed frequently determines the availability of the replacement car. Replacement vehicles are only provided when you get your automobile fixed at one of the insurance company's network garages. 

Your replacement car cover will not be activated if your repairs are made at an independent garage. When you get your car serviced at a nearby garage, some insurance companies might even provide a replacement auto cover. The insurance provider should, however, approve the repairman. This is entirely dependent on the rules and regulations of each specific business.

How Does it Work?

Your auto insurance provider will cover the cost of your own vehicle damage repairs if you are at fault for an accident. If your insurance plan offers a courtesy car as a standard benefit or if you have purchased it as an add-on, you can apply for one while your car is being repaired. The insurance companies in UAE will then provide you with a rental car to use while your vehicle is being fixed at a network garage. A sticker from the network garage can possibly be included with this car.

On the other hand, if a third party was at fault for the collision, you may be able to make a claim with their insurance provider for a replacement vehicle. The replacement automobile benefit in this situation will not be covered by your insurance company, but they may provide the necessary support for the same. If you cause an accident, your insurance company will only give you a loaner vehicle.

Things to Keep in Mind When Getting a Replacement Car:

• Even if it's a small, inexpensive car, check to see whether the vehicle you're getting with the replacement car cover is in decent shape. Unaware and unsuspecting people frequently have their replacement vehicle covers written off along with their cars. Hence, even if your replacement car cover does not provide you with a top-of-the-line sedan, at least make sure that the vehicle is suitable for your use and in decent shape.

• Your replacement automobile will also come with basic auto insurance because it is required in the UAE for all vehicles to have coverage of this kind. There's a good chance it won't be comprehensive vehicle insurance, but rather third-party coverage. Verify the car's insurance coverage, get the required papers to drive it, and drive defensively.

• It goes without saying that you should weigh your options when it comes to purchasing a new car covered by your insurance policies. Almost all providers have at least one auto insurance plan that comes standard with replacement car coverage. When making a decision, make sure to examine the cost-effectiveness of different programs by circling them.

• Check the reviews and learn about other customers' experiences with the replacement car insurance of a specific provider, just like when looking for your main, basic auto insurance coverage. Make a decision based on the sum of all the factors, not just one.

Avail it from the Best Insurance Companies in UAE

You should be familiar with the criteria outlined in your car insurance Abu Dhabi policy in order to get the most out of it. You must evaluate your insurance needs before purchasing new insurance coverage. A replacement automobile add-on is one of the risk variables that you need to get the best insurance for in order to effectively cover.

One of the most well-known insurance aggregators in the nation is policyhouse.com. For citizens of the UAE, we provide a simple and comfortable option to get car insurance online. Our algorithms assist customers in finding a variety of automobile insurance policies that meet their needs.