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Car Insurance Add-ons in the UAE: All you need to know

Written by Huma

Car Insurance add-ons provide extra protective coverage to the insured car in a time of unfortunate events.

Accident is sometimes prone to happen even you are at fault or not especially in the country like UAE.

But do we really need these add-ons after our car got the basic covers insurance?

The answers lie within your car usage and of course, your driving track record that led many insurance providers to decide which insurance policy you need to have.

That’s not a hidden fact that insurance representatives can be very persuasive and let you believe that it will be your life’s biggest mistake if you don’t have these add-ons in your insurance policies.

However, a little extra premium can protect your car and your loved ones.

As we’re the advocates of getting the right type of coverages at the right charges, rather than opting for the cheapest policies per se.

It’s best not to dismiss any auto insurance add-ons without considering the benefits and protections they may include.

You have to be a little cautious about these hidden traps but at the same time also get relevant knowledge about these add-ons that can surely protect your car from major to minor car damages.

Without further indulging you into long story our website BuyAnyInsurance is here to present you the essential pointers regarding auto protection add-ons that help you to decide, that you should buy them or not.

Car Insurance Add-ons

1) Rent a Car or Car Hire

A rent a car extra is the most popular car insurance add-on promote in the UAE during the second quarter of this year.

Many car insurance companies as part of their business portfolio facilitate their clients to rent a car add-on if the client insured car face any accidental damages.

  1. The provider will arrange a car-hire for their clients for a number of days till the time, the damaged car is gone for repair and maintenance in the garage.
  2. It should be noted that this add on cannot be utilized during the time of theft or write off.

To avail of this add-on, you have to pay extra charges to make it a part of your policy.

2) Windscreen Coverage

Most of the comprehensive coverage plans include the minor protection covers of the car including theft, vandalism, personal injury, etc.

Many of us think having a comprehensive plan for the car windscreen would be also covered.

But that’s not the case. As many insurance companies do not add windscreen cover as part of the coverage plan and it is treated as an insurance add-on with a small extra charge.

Having this cover your car would be protected from

  1. Covering the full or rear screen or side windows
  2. Covers the repairs of chips, cracks and other small damages

3) Car Replacement Add-on

Imagine you got an expensive-looking car and in the very first week, you hit the car in an accident.

Only imaging can give you the nightmare of all time.

With car replacement add-on your auto insurance provider will not only compensate the basic expense but will also replace your car with another brand-new sleek car.

4) Uninsured & Underinsured Claim Add-on

This type of motorist protection coverage will facilitate your medical expense or car repair and maintenance if you’re hit by a driver who doesn’t have car insurance.

This adds to highlight two aspects;

  1. One that the driver’s personal or his own auto liability car insurance firm paid the expense, but his/her limits are not enough to cover your medical/other bills.
  2. Second, the driver won’t have any car insurance then you have to pay your own bills and the no-claim bonus can get affected

For this issue, some insurance providers offer extra protection for just such a situation or even offer this as standard without affecting your NCB.

5) Medical Payment Coverage

This insurance coverage will facilitate you and your family member’s medical bills, after the accident of your insured car

Covered costs may include hospital visits, surgery, X-rays and more.

6) Road Assistance

A vital add-on that you can put inside your insurance policy is road assistance.

For many, this add on seems unnecessary but you never know when your car stop working in the middle of the road.

This extra coverage will aid you to get mobile repair or roadside towing in case of any emergencies like

  1. Car Malfunction
  2. Flat tires
  3. Filling up the empty tank.

7) Agency Repair Service Add-on

The insurance provider for their client’s ease and convenience offer this agency repair service add-on, were insurance companies trustable official garage and dealers repair the car.

In case of any accidental damage, the provider will take the responsibility of car repair and maintenance by sending it to the agency.

Agency repair can be expensive and will automatically enhance your monthly car premium.

Now, this depends upon you. Are you willing to trust and take confidence in the
internal agency or non-agency repairs?

8) Personal Injury Coverage

This extra coverage can be a part of a comprehensive plan that covers to protect your family’s welfare and help maintain their current lifestyle.

Having this coverage can aid you in time of unfortunate incident like

  1. Accidental death
    1. Driver Disability
    1. Medical Expense

With this add-on, beneficiaries are paid either in one lump sum or on a monthly basis to supplement missed income.

9) Personal Belongings Coverage:

The auto insurance provider will facilitate you in time when any personal item in your car was damaged or stolen.

A fixed compensation limit has been set for reimbursement of personal item value.

Final Thoughts

There are various significant and non-significant car insurance add-ons that are available to your service.

The wise plan always does your own research and have some basic knowledge about these add-ons.

Check the benefits of a policy carefully before deciding anything on purchase.

And when your auto protection policy is next up for renewal you need to evaluate the factors like if these add-ons are now standard policy or not? Which one you need the most and which one you can live without?

The main thing is you’re not pressured into buying any add-on that you’re getting your zero benefit but that you get a type of coverages add-ons that you’re satisfied with.

Originally published Oct 23, 2019 14:35:26 PM, updated May 18, 2021

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