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Car Insurance Ajman

A car insurance policy protects the policyholder from the possible losses that might occur in the future from accidents and or other damages caused by the insured vehicle. There are mainly two types of car insurance policy available for residents of Ajman to purchase from, one is third party insurance and the other is a comprehensive insurance policy.

A third party insurance policy protects the damages and liabilities caused by the insured vehicle on a third party. Note: A third party is a person who is not part of the deal made between the insurance provider and the policyholder.

Now coming to the comprehensive insurance policy, it covers loss and damages caused to third parties and the policyholder (the owner of the insured car) in the case of an unfortunate event. The owner can request a custom made comprehensive insurance policy to suit his or her requirements.

The policyholder is required to pay the insurance amount as a lump sum. The insurance companies usually insure the policyholder for a period of 12 months plus 1 month grace period (total 13 months).

Types of Car Insurance in Ajman, UAE

At present, in Ajman, there are two types of car insurance policies offered:

1
Third-party Car Insurance

Third-party insurance as mentioned earlier covers the cost of injuries, damages (property), and liabilities (incurred due to the death, permanent injury caused by the accident) of the third party and not the policyholder and his insured vehicle. In our opinion, third-party car insurance is best suited for cars that have pretty much lost their value over time and which are inexpensive to repair and replace.
2
Comprehensive Car Insurance

Comprehensive Car Insurance policies on the other hand offer protection to both third parties and the policyholder depending on the type of policy purchased. The loss and damages caused to both third parties and the policyholder will be covered to the extent mentioned in the policy contract. There is a huge level of customization option available for the prospective customer to choose from. Comprehensive car insurance policies are certainly an interesting proposition for car insurance buyers in Ajman as it covers the cost of repair and replacements of your car without putting a dent on the policyholders' savings.

What are the Add-ons that come with Car Insurance Policies in Ajman?

TCar Insurance Add-ons are options that can be added to your insurance to strengthen the insurance policy. These add-ons help the customer develop an insurance product that will meet his/her requirements. Of course, you have to pay an additional premium on the add-ons, but in most cases, the cost outperforms the benefits offered by these add-ons.

Some of the most common add ons offered by insurance companies in Ajman include the following:

Off-Road Cover - As the name suggests, off-road covers are most suitable for cars taken off-road. The insurance covers all the damages caused while taking the car off-road.
Replacement of Locks Cover - The replacement of locks policy covers all the costs associated with replacing the lock in case of a car key being stolen.
Personal Accident Cover for Driver & Passengers - The policyholder can opt for a Personal accident cover for the driver & passengers to offer appropriate compensation when either one or both of them incurred an injury or dies in event of an accident.
Personal Belongings Cover - Personal belongings cover as the name suggests offers compensation (as specified by the policy document) to loss or damages to personal belongings while placed in the insured car.
Emergency Medical Expenses Cover - Emergency medical expenses cover, covers all the medical expenses incurred by either the driver, passenger, and or both within 24 hours of the accident being taken place.
Roadside Assistance Cover - Roadside assistance/breakdown cover helps the policyholder cover all possible road assistance costs like battery jump-start, tyre replacements, vehicle towing, and so on.
GCC Cover - GCC car insurance cover extents the territorial covers from UAE to other GCC countries like Bahrain, Saudi Arabia, Qatar, Oman, and Kuwait.
Dent Repair Cover - As the name suggests dent repair add-on cover covers the cost of paintless dent removal.
Windscreen cover - Windscreen covers, cover the repairing and replacement cost of the windscreen if it gets broken or damaged completely.
New Car Replacement Cover - New car replacement add-ons cover the total loss of a new vehicle if it is less than six months old.
Natural Calamities Cover - As the name suggests natural calamities cover protects the policyholders from the damages caused by natural calamities like floods, storms, and so on.

Is Cheap Car Insurance a Bargain?

Unfortunately, cheap car insurance policies do not usually translate to a good insurance product. When you as a customer are offered cheap insurance products it is important to check the reasons for such low prices. One of the biggest reasons why certain car insurance premiums come with such low prices is because of its high deductible component. The second most important reason is the low insurance cover offered by the policy. There are many reasons for low premiums like reduced car value, a huge exclusion list, fraud, and so on. It is very important that the customer read and understand the policy document before committing to the policy.

Need More Info? Here’s Our Expert Guide To Help.

How do I get my car insurance policy documents after paying the premium?

Almost all insurance companies in today’s world offer a policy soft copy sent directly to the customer's email id.
What is Ghost Broking?

Ghost Brokers are not genuine insurance agents, they try to deceive individuals by showing them extra low-cost premium products (fake insurance products) with an intention to cheat the customer. Ghost Brokers usually ask for payment in cash. To avoid these ghost brokers the customers should pay directly to the insurance company's online website or an authorized online insurance aggregator.
How can some insurance agents offer very low insurance premiums when compared to other insurance providers?

Some insurance agents, middlemen show a lower valuation for the car than the actual value. This lower car value results in a lower premium making it very appealing for the policyholder. This act is considered illegal and can result in making the insurance policy null and void.
Can I opt for a cheap Insurance product to satisfy my legal obligation?

If you see an insurance broker, agents offering highly discounted premiums be very careful about the policy he/she is offering. There could be a lot of exclusions attached to the product. Such products will not serve the purpose it was bought for.

The purpose of car insurance is to hedge for the possible liabilities and damages caused by unforeseen events in the future, having an underinsured car policy can defeat the very purpose of the same.
Can I get non-claim benefits on my car insurance bought from Ajman?

Yes, the policyholder can enjoy a non-claim benefit for car insurance policies at the time of the renewal. The non-claim benefits could be either offered as a discount in the premium or an increase in sum assured.
Is it possible to pick and choose multiple optional add-ons on my car insurance?

Yes, as a customer you are allowed to select multiple add-on options to customize your car insurance policy to meet your requirements.
Is it true that higher deductibles can help reduce the car insurance premium in Ajman?

Yes, higher deductibles can indeed help reduce the car insurance premium not just in Ajman but across the country. That being said, higher deductibles might result in the policyholder paying a larger initial contribution before the insurance company actually stepping in to pay the rest of the expense on behalf of the policyholder.
Does car modification have any impact on the insurance premium?

Modifications that have a direct impact on the safety and performance of the car will result in car insurance premiums skyrocket in Ajman.
Is there a thing called multiple car discount?

It is always good to ask the insurance agent about the possibility of offering multiple car discounts in the case where the policyholder wishes to insure multiple cars at the same time.
What is policyhouse.com?

Policyhouse.com is a renowned insurance aggregator offering affordable insurance to its customers. Policyhouse.com gives its customers an opportunity to compare multiple policies at a specified price range. The website helps customers choose the right policy that will meet his/her requirements.