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Know The Types Of Car Insurance In The UAE & Make Purchasing Policy A Smooth Ride!

With great power comes great responsibility!

The statement couldn’t be truer when it comes to purchasing a car. The exhilaration that buying your own car can provide is unsurpassable. Then the responsibility of ensuring it stays in the best condition, along with your safety and the safety of the passengers with you in the car rests with you too. A motor insurance policy can lend that cover. 

A motor insurance policy is mandatory in the UAE. Hence, if you are contemplating buying a car in the UAE or Dubai, it is imperative to know and understand the types of car insurance that are available and what cover and add ons each offers,

before you settle on a policy, to help you pick the one that suits your finances, vehicle and lifestyles the best.  In the UAE, there are five categories of car insurance available. 

Third-Party Liability Insurance

Third-party property damage covers the cost of any accidental damages or liability caused to a third party against the legal liability that has resulted in permanent injury or death of a third party or their property. More importantly, this policy does not cover any damage or loss to your own vehicle. 

Third-Party Liability Insurance with Theft and Fire Coverage

A basic Third Party Liability Insurance does not include any added benefits apart from the primary provision as mentioned above. Theft and Fire cover are add ons that you may include in your basic policy. These will cover the cost of damage incurred due to a fire or theft.  

Basic Comprehensive Policy

A Comprehensive Car Insurance policy provides coverage to your vehicle and its accessories- damaged or lost accidentally or unintentionally by you or the driver of your car. This includes damage caused by accidental collision, theft, fire or any malevolent acts by a third party.

This type of car Insurance Company in UAE also covers any liability towards Third Party Property damage or bodily injury/death arising due to you or your driver’s negligence. 

Comprehensive Policy with add ons

Add ons in a Comprehensive Car Insurance policy provide additional coverage apart from the cover mentioned in the Basic Comprehensive Policy. Some extra covers that you must consider adding to your policy to make it robust are- passenger cover, driver cover, roadside assistance,  mechanical And accidental Towing Service, Windscreen cover, ​​vehicle replacement cover, battery boosting, off-road cover, free lockout service, flat tire service, and personal accident benefits. They take the cost of the premium higher while making it value for money for the wide range of added benefits. 

Premium Comprehensive Policy

Premium Comprehensive Policy is one of the most well-endowed policies that cover you for almost everything you would want a motor insurance policy to entail. This type of policy covers the cost of third party damages to a vehicle along with any damage and loss to your own vehicle.This also makes it the costliest as it is available for only a select set of clients- usually for select and valid for sports and high-end car owners- and takes the premium 1% – 2% higher.  Motor insurance is not just, It is peace of mind that makes sure you get back on the road as soon as possible.

You should never be at a loss, and so Watania Motor Insurance Policy is designed to keep you on the move & protected from financial liability. 

Now you can buy motor insurance directly via WhatsApp by sending Hi to Whatsapp 800WATANIA (9282642) or simply connect to our customer portal https://myconnect.watania.ae/#/bc-home

Read More:- Make the User Experience More Secure For Your Products in 2022.

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