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In the UAE, having car insurance in Dubai and the UAE is mandatory by federal legislation, and not holding it will result in penalties and fines. You must make sure that every car you own and drive is insured, whether you own multiple cars or just the one that you usually use. 

Having multiple vehicles can be convenient in terms of driving alternatives but problematic in terms of motor insurance online or offline. Do you know? A real headache will visit you when it comes to the steps of multiple premium payment deadlines, multiple document retention requirements, and multiple renewal dates. 

To cover all of your household's vehicles, several car insurers now provide a single policy. To cover all of your household's vehicles, insurance companies in UAE now provide single car insurance abu Dhabi, Dubai, and other cities offer. 

Is Multi Car Insurance in Dubai Possible?

Multi car insurance in Dubai is a straightforward idea for people all over the nation. Numerous vehicles are covered by one policy. With their permission, the proposer (the person who is purchasing the policy) may list any vehicles owned by members of their immediate family. 

Similar to single vehicle plans, all the driver's information, including accident history, vehicle model, age, value, registration year, driving history, specifications, proof of no claims discount, etc., must be submitted. 

A single overall price and coverage are offered in an insurance quote after all the drivers and cars have been evaluated. This process is known as underwriting. The lead, or primary, vehicle is typically the one with the highest value (whether determined by age or type of vehicle), with the others being categorized as secondary vehicles. 

Advantages of Multi Car Insurance in Dubai

There are various reasons why multi-car insurance could be the best option if your household has several vehicles and you are normally in charge of their insurance. These consist of: 

Savings potential: By insuring multiple vehicles with one of your insurance companies in Dubai under a single policy, you may be able to accrue discounts and lower your overall premium rate.

One set of documents only: The benefit of a multi-car policy is that all the vehicles are covered by a single policy document, making administration as simple as with single car coverage. It is less hassle about filing claims, car inspections, registration, etc.

A single date for renewal: Since all vehicles have a common renewal date, it is unnecessary to keep track of when each vehicle's insurance begins and ends. Note only the single date!

No Claims Bonus is still available for each car separately. 

You can alter the policy's coverage to meet your needs. 

Any Drawbacks with Multi Car Insurance in Dubai?

Having multi car insurance in Dubai has benefits and drawbacks, just like most things in life. These drawbacks include:

• Any inexperienced, young, or drivers with a history of accidents included in the policy can increase the premium charged by the policy. "Risky" drivers can also push up your premium rate.

• Large financial outlay: Keep in mind that you'll be paying a single premium for all the vehicles you cover, which could place a further strain on your finances. Just keep in mind that you'll pay less overall due to discounts, which should lessen the blow.

Basic Multi-Car Insurance Terms and Conditions

A Multi-Car Insurance policy offers both third-party and comprehensive coverage in terms of protection. You can insure between 2 and 9 vehicles under a single policy, but this can vary depending on the car insurance online or offline providers. So, you should review the terms and conditions of each insurer you're shortlisting about.  

The specification, value, and condition of the vehicles to be insured are evaluated for each one that is underwritten separately. Similar to how the No-Claim Bonus or Discount is computed and applied for each car, the other vehicles covered by the insurance are unaffected if one of them makes a claim.

There are many insurance companies in Dubai and the UAE with 100% commitment and loyalty to their customers. You will get insurance and other related services from reputed and reliable insurance companies in Dubai and other cities without any effort from your side. 

Policyhouse.com is one of the most renowned insurance companies in UAE, with professional expertise in the sector for many years. If you are looking for an insurance broker in Dubai or any other emirate, we are here to assist you. If you need more details, you can talk with our insurance experts and apply for the most suitable one. We are always here for you!