{"id":4009,"date":"2019-10-23T14:35:26","date_gmt":"2019-10-23T10:35:26","guid":{"rendered":"https:\/\/www.buyanyinsurance.com\/blog\/?p=4009"},"modified":"2024-06-06T15:52:46","modified_gmt":"2024-06-06T11:52:46","slug":"car-insurance-add-ons-in-the-uae-all-you-need-to-know","status":"publish","type":"post","link":"https:\/\/www.buyanyinsurance.ae\/blog\/en\/car-insurance-add-ons-in-the-uae-all-you-need-to-know\/","title":{"rendered":"All you need to Know about Car Insurance Add-ons in the UAE"},"content":{"rendered":"\n

Car Insurance add-ons<\/strong> provide extra protective coverage to the insured car <\/strong><\/a>in a time of unfortunate events.<\/p>\n\n\n\n

Accidents are sometimes prone to happen, even if you are at fault or not, especially in a country like UAE.<\/p>\n\n\n\n

But do we need these add-ons in car insurance <\/strong>after our car has basic insurance?<\/p>\n\n\n\n

The answers lie within your car usage and your driving track record, which led many insurance providers to decide which insurance policy you need to have.<\/p>\n\n\n\n

It’s not a hidden fact that insurance representatives can be very persuasive and let you believe it will be your life’s biggest mistake if you don’t have these add-ons in your car insurance<\/strong> policies.<\/p>\n\n\n\n

However, a little extra premium can protect your car and loved ones.<\/p>\n\n\n\n

We’re the advocates of getting the right type of coverage at the right charges, rather than opting for the cheapest policies per se<\/em>.<\/p>\n\n\n\n

It\u2019s best not to dismiss any auto insurance<\/a><\/strong> add-ons without considering the benefits and protections they may include.<\/p>\n\n\n\n

You have to be a little cautious about these hidden traps and get relevant knowledge about these car insurance add-ons <\/strong>that can surely protect your car from major to minor car damages.<\/p>\n\n\n\n

Without further indulging you in a long story, our website BuyAnyInsurance<\/a> <\/strong>is to present you with the essential pointers regarding car insurance add-ons<\/strong> that help you decide whether you should buy them.<\/p>\n\n\n\n

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Get Best Car Insurance Add-ons<\/strong><\/a><\/div>\n<\/div>\n\n\n\n
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Car Insurance Add-ons in the UAE<\/strong><\/p>\n\n\n\n

1) Rent a Car or Car Hire<\/strong><\/h2>\n\n\n\n

A rent a car extra is the most popular car insurance add<\/strong>-on promote in the UAE during the second quarter of this year.<\/p>\n\n\n\n

Many car insurance companies as part of their business portfolio facilitate their clients to rent a car insurance add-on<\/strong> if the client insured car face any accidental damages.<\/p>\n\n\n\n

  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.<\/li>
  2. It should be noted that this add on cannot be utilized during the time of theft or write off.<\/li><\/ol>\n\n\n\n

    To avail of this add-on, you have to pay extra charges to make it a part of your policy.<\/p>\n\n\n\n

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    2) Windscreen Coverage<\/strong><\/h2>\n\n\n\n

    Most of the comprehensive coverage plans<\/a><\/strong> include the minor protection covers of the car including theft, vandalism, personal injury, etc.<\/p>\n\n\n\n

    Many of us think having a comprehensive plan for the car windscreen would also be covered.<\/p>\n\n\n\n

    But that’s not the case. Many insurance companies do not add windscreen cover as part of the coverage plan, and it is treated as an car insurance add-on<\/strong> with a small extra charge.<\/p>\n\n\n\n

    Having this cover, your car would be protected from<\/p>\n\n\n\n

    1. Covering the full or rear screen or side windows.<\/li>
    2. Covers the repairs of chips, cracks and other small damages.<\/li><\/ol>\n\n\n\n
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      Get Best Car Insurance Add-ons<\/strong><\/a><\/div>\n<\/div>\n\n\n\n
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      3) Car Replacement Add-on<\/strong><\/h2>\n\n\n\n

      Imagine you got an expensive-looking car, and in the first week, you hit the car in an accident.<\/p>\n\n\n\n

      Only imaging can give you the nightmare of all time.<\/p>\n\n\n\n

      With a car replacement add-on, your auto insurance provider will not only compensate for the basic expense but will also replace your car with another brand-new sleek car.<\/p>\n\n\n\n

      <\/div>\n\n\n\n

      4) Uninsured & Underinsured Claim Add-on<\/strong><\/h2>\n\n\n\n

      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.<\/p>\n\n\n\n

      This adds to highlight two aspects;<\/p>\n\n\n\n

      1. One that the driver’s personal or his own auto liability car insurance firm paid the expense, but their limits are not enough to cover your medical\/other bills.<\/li>
      2. Second, if the driver won’t have any car insurance, you have to pay your bills, and the no-claim bonus can be affected.<\/li><\/ol>\n\n\n\n

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

        <\/div>\n\n\n\n

        5) Medical Payment Coverage<\/strong><\/h2>\n\n\n\n

        This car insurance add on <\/strong>coverage will facilitate you and your family member’s medical bills after the accident of your insured car.<\/p>\n\n\n\n

        Covered costs may include hospital visits, surgery, X-rays, and more.<\/p>\n\n\n\n

        <\/div>\n\n\n\n

        6) Road Assistance<\/strong><\/h2>\n\n\n\n

        Road assistance is a vital add-on that you can put inside your insurance policy.<\/p>\n\n\n\n

        For many, this car insurance add-on <\/strong>seems unnecessary, but you never know when your car will stop working in the middle of the road.<\/p>\n\n\n\n

        This extra coverage will aid you in getting a mobile repair or roadside towing in case of any emergencies like;<\/p>\n\n\n\n

        1. Car Malfunction<\/li>
        2. Flat tires<\/li>
        3. Filling up the empty tank.<\/li><\/ol>\n\n\n\n
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          Get Best Car Insurance Add-ons<\/strong><\/a><\/div>\n<\/div>\n\n\n\n
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          7) Agency Repair Service Add-on<\/strong><\/h2>\n\n\n\n

          For their client’s ease and convenience, the insurance provider offers this agency repair service add-on, where insurance companies trust official garage and dealers to repair the car.<\/p>\n\n\n\n

          In case of any accidental damage, the provider will take responsibility for car repair and maintenance by sending it to the agency.<\/p>\n\n\n\n

          Agency repair can be expensive and will automatically enhance your monthly car premium.<\/p>\n\n\n\n

          Now, this depends upon you. Are you willing to trust and take confidence in the internal agency or non-agency repairs?<\/p>\n\n\n\n

          <\/div>\n\n\n\n

          8) Personal Injury Coverage<\/strong><\/h2>\n\n\n\n

          This extra coverage can be a part of a comprehensive plan that protects your family’s welfare and help maintain their current lifestyle.<\/p>\n\n\n\n

          Having this coverage can aid you in time of unfortunate incident like <\/p>\n\n\n\n

          1. Accidental death
            1. Driver Disability<\/li><\/ol>
              1. Medical Expense<\/li><\/ol><\/li><\/ol>\n\n\n\n

                With this car insurance add-on<\/strong>, beneficiaries are paid either in one lump sum or on a monthly basis to supplement missed income.<\/p>\n\n\n\n

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                Get Best Car Insurance Add-ons<\/strong><\/a><\/div>\n<\/div>\n\n\n\n
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                9) Personal Belongings Coverage:<\/strong><\/h2>\n\n\n\n

                The auto insurance provider will facilitate you in time when any personal item in your car is damaged or stolen.<\/p>\n\n\n\n

                A fixed compensation limit has been set for reimbursement of personal item value.<\/p>\n\n\n\n

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                Benefits of Add-on Covers in Car Insurance<\/h2>\n\n\n\n

                The car insurance add-on <\/strong>cover provides its customers with additional coverage with a little more premium amount.<\/p>\n\n\n\n

                Holding a car insurance add-on<\/strong> cover, the car owner can deal with various situations efficiently.<\/p>\n\n\n\n

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                Cost of Adding an Add-ons to Car Insurance<\/h2>\n\n\n\n

                The cost of a car insurance add-on<\/strong> varies according to its type. Each type has its nominal value.<\/p>\n\n\n\n

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                Final Thoughts<\/h2>\n\n\n\n

                There are various significant and non-significant car insurance add-ons<\/strong> that are available to your service.<\/p>\n\n\n\n

                The wise plan always does your own research and have some basic knowledge about these add-ons.<\/p>\n\n\n\n

                Check the benefits of a policy carefully before deciding anything on purchase. <\/p>\n\n\n\n

                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?<\/em><\/p>\n\n\n\n

                The main thing is you\u2019re not pressured into buying any add-on that you\u2019re getting your zero benefit but that you get a type of coverage add-ons that you\u2019re satisfied with.<\/p>\n\n\n\n

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                FAQ’s<\/h2>\n\n\n\n

                Can I opt for multiple add-ons?<\/h3>\n\n\n\n

                Unfortunately no. You cannot opt for multiple car insurance add-ons<\/strong> at one time.<\/p>\n\n\n\n

                Can I get an add-on with a third-party car insurance policy?<\/h3>\n\n\n\n

                You cannot buy car insurance add-ons<\/strong> with a third-party insurance policy.<\/p>\n\n\n\n

                Which are the best car insurance add-ons?<\/h3>\n\n\n\n

                Here is a list of top car insurance add-ons<\/strong>:<\/p>\n\n\n\n