Imagine going on your way to the office on a normal day. Suddenly, another vehicle comes and collides with your car, resulting in significant damage. Even though you are not at fault, you will have to bear the brunt. Want to avoid such a financial burden? Opting for the best car insurance in the UAE is an excellent idea. The insurance can provide you with financial protection in case of theft, accidents, and damage.
Are you wondering what coverage you can expect with comprehensive car insurance in Dubai? Read on to explore everything in detail!
An Overview of Comprehensive Car Insurance
This insurance is designed to offer complete protection to both the insured and third parties in the event of an accident. The policy covers almost everything, right from the cost of damage incurred to the vehicle to the medical bills of the insured and third party. While this insurance isn’t compulsory, obtaining it can be beneficial for car owners in the long run.
Benefits of Comprehensive Car Insurance
Are you still thinking about whether comprehensive motor insurance in Dubai is worth the investment? Delve into the key benefits it can provide!
Extensive Coverage
The coverage offered by the basic third-party insurance is limited. However, this insurance can protect you financially and offer extensive coverage for damage due to natural disasters, theft, vandalism, and accidents.
Peace of Mind
When your vehicle meets with an accident, the high costs of compensating third parties or repairing your car are a serious matter of concern. However, with the best comprehensive car insurance in the UAE, you do not have to worry about such hassles. The policy can provide you with optimum peace of mind and enable you to ride with greater confidence.
Cost-Effective
Owing to the wide coverage of this insurance, it is often regarded to be a budget-friendly option. While the initial cost may be higher, it can allow you to save a lot in the long run.
Customisable Options
Today, car owners have the flexibility to make changes to their car policies. The insurance can be tailored to meet their specific needs, allowing them to add or remove optional features.
Comprehensive Car Insurance Coverage
Ready to get comprehensive car insurance in the UAE? Read on to explore what is covered!
Accidents
The UAE roads keep bustling with traffic most of the time. That is why the country has a history of accidents. Comprehensive car insurance can offer extensive coverage for damages due to accidents, irrespective of who is at fault. Whether it is just a minor scrape or a major collision, availing of the insurance will ensure that you are financially protected.
Third-Party Liability
When you are at fault in an accident, paying for the damage caused to other vehicles or injury to others can be expensive. The car insurance can pay for such damages, clear your liability, and offer you complete peace of mind.
Natural Disasters
Occasional floods and sandstorms are quite common in the UAE. All these can cause significant damage to your car. Moreover, the extreme temperatures of the country are also a matter of concern. Opting for car insurance can provide you with optimal coverage for damages caused due to natural calamities. As a result, you can be rest assured that your car is protected against different environmental risks prevalent in the region.
Theft and Vandalism
No doubt, the UAE is developing and laws are becoming stricter. However, vandalism and car theft remain pressing concerns among people. Such incidents are more common in densely populated areas. Comprehensive car insurance can offer coverage for these incidents. So, in case your vehicle is vandalised or stolen, you can get financially compensated, minimising the financial impact.
Fire Incidents
Fire breakouts can occur at times and significantly damage your vehicle. In such a situation, car insurance can help. The policy can compensate for the damage caused due to fire.
Potential Add-Ons of Comprehensive Car Insurance
Want additional coverage for your prized possession? Opting for the add-ons can enable you to customise your insurance policy and go beyond what is provided in the basic cover. Read on to get an idea about the potential add-ons to the comprehensive car insurance in Dubai!
- Windscreen Damage: The UAE roads are not always forgiving. As a result, broken windscreens are a common occurrence. Opting for this add-on can prevent you from unexpected expenses in the event that replacement or repair of windscreens becomes essential.
- Personal Accident Protection: Comprehensive car insurance in the UAE offers more than just protecting your vehicles. This add-on focuses on extending insurance coverage for you and your passengers.
- Breakdown Assistance: Getting stuck on the road due to an empty fuel tank, a flat tyre, or a car breakdown can be frustrating. Some policies can provide you with much-needed road assistance.
Exclusions of the Comprehensive Car Insurance
No doubt, car insurance offers extensive coverage to the car owners. However, there are certain exclusions too. Delve into the prominent exclusions!
- Damages caused due to the use of the car for illicit purposes
- Intentional damage done by the owner
- Damages occurred due to poor maintenance of the car or carelessness of the driver
- Accidents resulting from the use of drugs
Is Comprehensive Car Insurance Right for You?
Opting for this insurance is an ideal decision if:
- Your car is less than seven years old and privately owned.
- You reside in a region prone to natural disasters or theft.
- You want to get rid of the stress of expensive car repairs in the event of an accident.
Conclusion
Cars are undoubtedly one of the most prized possessions for individuals. If you want to protect your high-value car against a variety of risks, choosing the best comprehensive car insurance in the UAE is a great idea. Are you looking for reliable motor or auto insurance in Dubai? UIB can be the one-stop destination for all your insurance needs.
Disclaimer:
This article provides only an overview of the subject matter and is not intended to be exhaustive in any way. The content is for general information only, and should not be construed as legal advice on any subject matter. It is therefore, not limited or warranted in any way.
For more specific advice relating to your insurance needs, please contact us directly at enquiry@uibgulf.com
