Car Insurance Tips For Car Owners in the UAE

Today, there is no shortage of car insurance companies in Dubai. While it may be beneficial to have many options, it can also get overwhelming for some because it will become difficult to choose the right plan for you and your car. There are some tips and tricks that come in handy. 

Is It Necessary to Get Car Insurance?

It is not just necessary but mandatory to get motor insurance in Dubai and other parts of the UAE. As soon as you purchase your car, the next step is to get car insurance. In fact, before your car or license plate is even registered, your car insurance should be bought and made active. If an accident or a mishap occurs, you should be financially prepared to deal with the expenses. These costs can be really expensive and cause a serious strain on your savings. A financial back-up in the form of a car insurance policy takes care of you and your car (and a third party, if involved).  

Car Insurance Tips

#1 Look For Personal Accident Cover

Personal accident cover means that you will be covered for medical costs incurred if you get hurt in an accident. This means that not only is your car protected, so are you. The standard motor insurance in Dubai will cover expenses for the repair or replacement of any spare part damaged in an accident and the personal cover will take care of the medical bills.  

#2 Adequate Coverage For Needs

Do your research and understand what all can get covered when you want to get motor insurance in Dubai. Make a note of what you are looking out for in a policy and if it sits within your financial capacity. Consider different possible situations and Whichever insurance company’s car insurance policy you choose, it has to be able to tick your basic list of requirements and needs. 

#3 Compare Interest Rates

Don’t be in a hurry to go for the first car insurance policy that you come across. Take your time researching insurance companies and the car insurance policies that each one has to offer. Make note of the different interest rates and coverage that each motor insurance in Dubai is providing and go for the one that makes most sense to you and fits within your budget. 

#4 Consider Off-road Insurance

Many forget to consider this option but it is actually very useful to include off-road coverage. Standard car insurance coupled with off-road car insurance offer comprehensive coverage. This will ensure that you can take your car on off-road expeditions and be compensated in case your car is damaged due to hail, theft, etc. You can consider this option while getting motor insurance in Dubai. 

#5 Look Out for Additional Offers

A standard car insurance policy will offer coverage for situations such as loss due to theft or fire. This too is applicable within pre-decided geographical boundaries. If you want more coverage, you will have to look out for add-ons in motor insurance in Dubai. Keep in mind that the more add-ons you choose to include in your car insurance policy, your premium too will increase.

Conclusion

Given the plethora of choices, finding the one most suitable for you should not be a problem. Just spend some time learning about car insurance, its terminologies and eventually identifying and investing in the policy that caters to all your needs.