Find the best car insurance in Sharjah

What’s Covered in Car Insurance Policy taken in Sharjah?

Not every financial expenses or legal binding is covered by the car insurance, but certainly some of the most demanding ones including accident, theft or damage to keep those who've been involved in a better place to get back to normal life. Let's take a look at some of the most important inclusions in a car insurance coverage. Common car insurance services are:

• Car Towing Assistance - As one of the first steps to take after your vehicle is met with an accident or is broken down nowhere on the road is to get it to a place where it can be repaired. This Roadside assistance service is covered under the car insurance services if it’s included in the insurance purchased.
• Extraction and Removal - In case of accident, you may need the assistance of a crane to extract the vehicle from the scene and remove to a showroom, this will be covered by the motor insurance if included in the coverage.
• Flat Tyre Help - If you're stuck due to a flat or leaking tyre, you can get help in removing and replacing it from the insurer if it’s included in your insurance package.
• Dead battery & Refuelling - If you have included assistance in case of a dead battery or if you have run out of fuel, you'll be assisted by the insurer in getting a battery replaced or fuel refilled.
• Unlock the car - If you are stuck with your car's key inside it, you will get roadside assistance in unlocking the car.

Additional Covers

If you need additional support from your insurer keeping in mind your specific driving situations or conditions foreseen in your area that could affect your car in some ways, you can always opt for additional car covers.

• Personal Accident Cover - If you add additional personal accident coverage, the driver and passengers shall be covered for death or personal injury in an accident.
• Coverage for Off-road mishaps - If you pick this additional coverage, your car will be covered against any breakdown happening from driving in off-road conditions.
• Personal belongings coverage - Coverage for personal belongings are offered by some insurers in case of lost or damaged personal belongings in an accident.
• Coverage for Windscreen Damage - Protect your windscreen related expenses such as repair or replacement arising from a damaged or broken windscreen using this coverage.
• Car rental cover or Cash Benefit - Car rental could be expensive if your car is taking longer to get repaired. You have an insurance coverage for that too. Your insurance will cover the cost of hiring a car. The car rental cover is also offered as car cash benefit by some providers where the company provides courtesy cash when policy holder’s car undergoes repair.
• 24 Hours Roadside Assistance - Roadside assistance is offered as an additional insurance by insurers in case of an accident, breakdown or in case of an emergency.
• Emergency Medical Expenses - Some insurances cover emergency medical expenses in case of a hospitalization.
• Extension of Agency Repairs - With this attractive add-on insurance coverage, policy holders can get an extension of agency repair services for up to 5 years.
• Large Third-Party Cover - A large number of third-party benefits for the policyholders.
• Airport Pick-Up and Drop-Off - Some insurance companies in Sharjah offer free pick up and drop off services to the airport.
• Natural Calamity Cover - Most car insurance companies in Sharjah provide protection against natural calamities.
• Renewal Grace Period - If your policy is lapsed, you're offered a month's time as grace period to renew it.
• GCC Cover/Oman Cover - If you're driving to other neighbouring countries frequently, this insurance coverage provides territorial coverage.

Why policyhouse.com for your car insurance needs in Sharjah?

It takes a little research for anyone to figure out the best car insurance that suits their requirements. Even if you're an expert in motor insurance or have been buying for the past 30 years, your time required to do that research doesn't go away; insurance terms keep changing and insurers keep updating their portfolio to better suit, market and protect their customer base and to acquire new ones.

The question here is are you ready to do that research of finding the best car insurance in Sharjah or would you depend on a fool proof method developed by aggregators like Policyhouse.com to figure out the best insurance for you. Let's also consider the fact that there are over 40 insurers offering you a staggering number of insurance products to choose from. Technology comes to save as smart comparison algorithms that make apple to apple comparison among insurance policies against different use cases such as yours. Policyhouse.com uses custom developed, market proven comparison engines along with experienced insurance professionals to handpick the right one for you.

Under what circumstances you're not eligible for car insurance in Sharjah?

Car insurance will not be provided if the involved parties found in the following circumstances:

• Influence of intoxicants - If one meets with an accident under the influence alcohol, drugs, the insurance doesn't apply.
• Invalid License - If the driver has no license or invalid license, the insurance does not cover any mishaps.
• Overloading - Overloaded or encumbered above the specified capacity of the vehicle, the insurance ceases to exist.
• Misleading/False information - If the insurer is furnished with misleading/false information at the time of purchasing information, the insurance will not be valid in case of an accident or any other mishaps.
• Intentional damage - If it's proven that the driver has purposefully damaged the vehicle, insurance does not apply.
• Insured vehicle used against law - If the vehicle is used for unethical purposes or for illegal practices or any purposes other than what's mentioned in the insurance, the insurance will not cover any mishaps.

How to renew car insurance in Sharjah?

The best car insurance is cost effective, gives you the benefits you'd need in case of a loss happened to your car, easy to comprehend and purchase. Do we have such car insurance in Sharjah? Absolutely, while most vehicle insurance is really good, the best is subjective to the buyer's specific requirements. You should be looking for What's best for your car life scenario and legally complying in your Emirate.

Here's a few tips that you can put into practice when looking for a new car insurance or when renewing or switching your car insurance provider. Here's a 3-step simple process from Policyhouse.com.

• Online Form - Does that alarm you of spam? Worried about giving your personal information to a third party? While your information is safe with policyhouse.com and similar service providers, you're required to furnish this information only to pick the best car insurance that matches your cars make and condition. In order to pick the best car insurance in Sharjah, your accurate information is mandatory. Not to worry, your information is safe with us.
• Compare - Now you're given a range of offers that matches your vehicle condition, legal requirements and pricing. Here you get a chance to weigh additional benefits against the cost of your car insurance in Sharjah. A careful analysis will land you on the perfect car insurance.
• Payment - You're just a step away from owning one of the best car insurance plans. Payment via a secure system ensures a smooth process that's safe and speedy. You're all set to step out and enjoy your ride. If you have any concerns after the purchase policyhouse.com staff is always available to address them.

Details required to avail car insurance in Sharjah

The details that are required to avail a car insurance quote are:

• Driving license information
• Previous vehicle insurance claim Records
• Name & license details of other drivers added in the policy
• No Claim Bonus Details
• Documents Required to Purchase or Renew Your Car Insurance

In case if you have found a better deal and switching the insurance to a different insurance provider, then you will need the following documents:

• Driving License
• Mulkiya
• Emirates ID

How to File a Claim for Car Insurance in Sharjah?

It's vital to accurately file the car insurance claims to get the benefits and not get it rejected. The right claiming procedure shall be followed. Here's the step by step process to file a car insurance claim in Sharjah, UAE.

• Contact your Insurer immediately - The first step after an accident or any mishap when you notice, is to inform your car insurance provider as soon as possible to ensure a quick and easy claim settlement in Sharjah, UAE.
• Update with Complete Information - In order to process your claim at maximum speed and accurately, it's important to furnish your insurance provider with complete information such as the date & time of the accident, a copy of the driver's license, license plate number of the involved parties, your full name, policy number, policy duration and contact details of the involved people. You should ensure that these are accurate and doesn't cause further delays in processing your claim.
• Police Complaint and Report - If you have been involved in an accident or your car is stolen, you need to immediately report it to your nearest police station. Get a copy of your complaint as this is required by most insurance providers to ensure the accuracy of your reporting. This will also help you in meeting legal requirements.
• Supervision of your vehicle - Upon informing your car insurance provider, you'll be assigned a surveyor by the insurer who'd check your vehicle and evaluate the case. This inspection is critical and helps your surveyor if requested in examining your vehicle for speedy claim processing.
• Final Settlement - When the insurer is updated with the surveyor's examination report of your car for the damage and cost of repair, the insurer will verify the terms and conditions are met and the coverage of your opted plan to approve your claim. If you have a cashless claim plan, the approved expenses shall be paid directly to the network garage.