Having A Car In Dubai
The past decade that has gone by has seen the insurance industry in Dubai grow as rapidly as the city itself. A number of new companies dealing in insurance have been set up in Dubai, which are mostly locally owned and are small business enterprises. These companies cater and fulfill the insurance demands of the local and also expatriate population of the city. Insurance policies that are followed in Dubai are quite similar to those that exist in the West. Insurance covers are of various kinds and among them, car insurance is one of the most common types of insurance that is demanded by the car owners and offered by the insurance firms.
Car insurance protects the insured party from losses involving the usage of their vehicle. The different types of coverage that is available and may be bought includes Medical payments
Property damage , Medical payments , Physical damage due to collision , Bodily injury coverage
All personal insurance covers, which include car insurance, are means to fulfilling are daily needs. If you wish to drive your own car in Dubai, you first need to get it insured for only then can you get it registered in Dubai. As such, as least a third party insurance cover is a legal requirement for your car in Dubai. For this, you may get in touch with any one of the numerous third party brokers that are there in Dubai. But keep in mind that the car and not the driver are insured in this case.
The insurance amount and premium in Dubai is calculated according to the make and model of the car that is bought and is usually made available at the showroom itself. All the insurers look at are the usual stuff such as manufacture year of the car and its price and chassis number. A rate of 3% to 8% is considered to be a good deal. Before you decide to go for any insurance cover, make sure to find out the cost and premium amount of the insurance cover that you are going for.
The benefits that you can on insuring your car in Dubai are as follows
Accident and recovery service 24X7, Third party cover for family members, Driver gets a personal injury cover , Repairs guaranteed A fairly simple and easy procedure , Off road cover , Medical expenses in emergency cases , Additional optional covers for a small amount of extra premium.
If you keep aside the fact that car insurance is a legal requirement in Dubai, it is also probably the cheapest and easiest means of covering the losses caused due to the involvement of your vehicle. In its absence, you would be required to cover the entire cost of damage to others as well as your car, burning a hole in your pocket.
The different car insurance types available in Dubai are:
Comprehensive with options , Comprehensive premium level , Comprehensive and Fully Comprehensive , Third party, Theft & Fire
Although car insurance companies are in plenty in Dubai, it is advisable to ask around for personal opinions while looking for an automobile insurer. This is because there is always a difference in the levels of satisfaction and customer service provided by these companies. Also, finding insurance in Dubai is a pretty difficult proposition for cars that are older than 5 years, drivers and especially males under the age of 25 and sports & luxury cars. As such getting those insured costs more than a usual car insurance policy. Another important point is that drinking driving and crashing results in zero insurance cover.
If you are looking for cheaper insurance deals, go to an insurance broker. The service is also provided by many banks in Dubai. Negotiation is also possible with the insurance companies. For expatriates, those who present an original no claims bonus certificate get a discount which rises from 0% and goes up to 40% on their car insurance policies.
The best process is to shop around for best bargains including looking on the internet. Also look for policies which do not include what you do not require. Pay the premium annually and get a garage for your car. Another thing is to inform and keep your insurance agent updated with all your latest information.
After all, for a legal drive in Dubai, an insured car is necessary.
Looking to learn more information about insuring your Dubai car, then visit Andy Ba’s site where you can choose the best auto insurance policies in UAE Dubai for your needs.
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Tags: Affordable Insurance, auto, car insurance, cars, Dubai, insurance, UAE
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