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In most parts of the world having car insurance is mandatory, and that’s no different in the UAE either. Whether you are a resident or a visitor, having car insurance and knowing the legalities involved with it can save you from hefty fines and penalties, and ensure you are following local laws. In this post, we will try to asses and explore key regulations involved when it comes to choosing car insurance. 

The basic required car insurance in the UAE

Just like most countries, even in the UAE as per law every driver must have valid car insurance, due to that the UAE regulations require at least third-party liability insurance. Even though that is enough to meet the legal conditions it is highly recommended to opt for comprehensive car insurance for better protection. Third-party insurance covers damages to another person’s vehicle or property in the case of an accident but, it does not cover damages to your own vehicle.

For that sole reason, comprehensive car insurance is worth the choice as this policy covers both third-party damages and damages to your own vehicle. Whether it’s an accident, theft, fire, or even a natural disaster, based on your insurance company and package comprehensive insurance can ensure you are covered. 

While this may seem pricier in comparison with third-party insurance, there are plenty of affordable car insurance plans available that offer comprehensive coverage without putting a dent in your budget.

The consequences of driving without insurance

Driving without insurance comes with a price in the UAE and a heavy one at that. If you are found to be driving without insurance you will be fined anywhere from as low as AED 500 to have your vehicle impounded or even confiscated. Also, there are chances of the driver collecting black points on their license, which can lead to suspension, and all this can simply be avoided by getting any of the affordable car insurance available. 

For those looking for cheap car insurance in Dubai, there are several options to explore, one of them is platforms such as Policyhouse.com that lets you choose from a wide range of third-party and comprehensive car insurance.

Why go with comprehensive car insurance

While the law asks for you to have third-party liability coverage, going with comprehensive car insurance can give you additional peace of mind. This type of insurance not only protects you from third-party claims but also covers damages to your vehicle regardless of how it happened. 

For those in the UAE, where the traffic can be hectic and with a high number of automobiles, comprehensive car insurance can provide extra safety. Additionally, many of the comprehensive policies also include personal accident coverage, guaranteeing that your medical expenses in case of any injuries sustained in an accident are also covered.

Legality and claim settlements

One aspect to keep in mind regarding car insurance in the UAE  is the legal process when it comes to claims and disputes. If you are involved in an accident, your insurance provider is responsible for covering the damages based on your policy coverage. In case of a dispute, the UAE law provides a process for drivers to file complaints with the insurance authorities so that all claims are handled fairly.

Having comprehensive car insurance can make the claims process smoother, as it covers a wider range of instances when compared to third-party insurance. But, even if you find an affordable car insurance plan, it’s important to thoroughly understand the terms and conditions and the claiming process so that there are no surprises in the future. 

Importance of car insurance for foreigners in the UAE

Whether you are a foreign national visiting the country or in the UAE as an expatriate for work the rule when it comes to car insurance remains the same for everyone. Regardless of if you are renting, leasing, or purchasing a car in the country, it is crucial to do your homework and make sure the vehicle has insurance. 

Most rental agencies in the UAE include comprehensive car insurance in their rental packages, but it’s always better to confirm what is covered, and foreign drivers, should make sure their insurance policy provides coverage in case of accidents, theft, or damage to the rented vehicle.

Conclusion

In the UAE, understanding the legal conditions of car insurance is imperative for every driver. Going for comprehensive car insurance gives you greater protection and peace of mind, while also ensuring your compliance with the law. Even if you’re searching for affordable car insurance, plenty of options offer robust coverage at a reasonable price.

For those looking for cheap car insurance in Dubai, it is important to choose a policy that meets all legal requirements while providing adequate protection. Policyhouse can help you choose the most affordable car insurance in the UAE, with a wide range of packages from reputed companies, Policyhouse.com allows you to filter, compare, and decide the best car insurance policy that meets your requirements at the lowest price.