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According to UAE RTA laws, any person who owns a car is required to have motor insurance in Dubai, Sharjah, Abu Dhabi, and other emirates. Insurance plans are always beneficial to prevent any financial troubles during an accident. 

You shouldn’t miss the availability of car insurance in Dubai, Sharjah, or any other emirate to successfully maintain financial stability. There are numerous insurance providers in your immediate vicinity! Now, let's dive deeper into the procedures for purchasing car insurance in Sharjah.

Types Of Car Insurance In Sharjah

• Third-party liability car insurance

This plan protects against harm or losses caused by the owner of the vehicle to a third party. All drivers in the UAE are suggested to have this kind of insurance coverage, while you are always free to choose the more advanced option, such as comprehensive car insurance. 

• Comprehensive car insurance

This plan protects both parties financially by providing coverage for both third-party and the policyholder's vehicle damage. These insurance policies kick in the context of theft, man-made disasters, collisions, all-natural catastrophes, explosion-related damages, and more. 

• Temporary car insurance

Both third-party and comprehensive car insurance may apply to this kind of coverage. The benefits of this insurance plan are the same as those of other policies, although its overall tenure is shorter. Temporary car insurance coverage might last anywhere from a few days to less than a year, whereas usual car insurance policies have 12 months of validity.

Advantages Of Car Insurance In Sharjah

• Best coverage against vehicle theft

You might face severe financial hardship when you lose your car in an accident or through theft. However, if you have car insurance, at least you can be sure of your financial security because your insurance provider will pay you compensation to lessen your financial load. 

• Conforming to UAE law

All vehicle owners must have car insurance coverage for their vehicles per UAE RTA law. Regarding the former, if you are caught driving without a valid car insurance policy, you may be subject to a fine and four points being added to your driving license.

• Keeps You Safe from Third-Party Accidents

It can be difficult to manage the financial aspects of a scenario when an accident occurs and a third party sustains large damages for medical, legal, and other reasons. In these situations, car insurance might assist you in resolving your financial troubles. A car insurance plan in the UAE may also include legal funds under certain circumstances.

• A helping hand for managing finances

Accidental damages can pile up, and since vehicle maintenance costs are already high, you may find it difficult to cover the cost. To prevent such situations, it is usually prudent to purchase car insurance and even opt for comprehensive coverage even if it is not required to do so.

Documents Required For Car Insurance In Sharjah

• Emirates ID

• Passport

• Driving license

• Resident’s visa

• Address proof (ex: utility bills)

• Mulkiya (documents of car registration)

• Previous car insurance plan details (if any)

Make sure you bring all these documents when you apply offline, and scanned copies if you apply online. 

The top factors that are affecting car insurance prices in Sharjah are:

• The age of the car

• The current state of the car

• The record of accidents

• Age of the vehicle owner

• Background details about the driver

• Insurance policy type

• Current market rates

• Discounts and offers 

How To Purchase Car Insurance?

• Offline

If you are living in Sharjah and choose to purchase car insurance offline, you can visit the nearest office of your preferred insurance company or an insurance broker. Fill out the application form and submit it after attaching all the necessary documents we already mentioned after thoroughly discussing your requirements with them.

• Online

You can always go to the websites of insurance providers such as policyhouse.com, where you will find 30000+ car insurance policies and an option to compare and save up to 50%. Get vouchers worth AED 2000 on each policy. Insurance broker websites are another option. You can apply for a certain plan by filling out an application form and sending it along with the required documentation after exploring the options on the website.

Tips for successfully starting car insurance in Sharjah?

• List out your requirements

• Search for reliable insurance providers/brokers

• Gather quotations

• Limit your search to Sharjah only

• Verify the claim settlement ratio

How To Claim Insurance For Car Accidents?

• Immediately inform the police station

When involved in an accident or theft, the first thing you should do is call the police to report the incident and file an official complaint.

• Contact Your Insurance Company

Next, call the customer support line. Talk to a representative to inform them about the accident and your insurance claim.

• Capture images of the accident

Taking pictures of the scene of the occurrence as proof is always a smart move.

• Dial a towing service (if required)

After completing all of these steps, you can call for a tow if your car has sustained major damage.

• Take a claim form download

By visiting the official website or application of your car insurance provider, you can immediately begin the process of claiming your insurance. Obtain a claim form there, complete it, and then proceed to the car service center.

• Bring every document to the service center

Apply for an insurance claim and all necessary documents to the authorities at the service center.

• Wait for the acceptance of insurance

After successful verification of your claims and required documents, the car will be moved to the next step of repair.