Motor Insurance Dubai – A Lawful Guide
Laws on motor insurance in Dubai have been modified over the period of time in order to promote safe driving and lawful compliance of insurance policies.
Motor Insurance Dubai – A Lawful Guide
The UAE law requires you to have your car insured if you own a vehicle. It doesn’t matter if it is a used or new car. As the law has made it compulsory, many people buy motor insurance in Dubai just to comply with the law.
People often go for the cheapest policy available without completely understanding its terms and conditions. And when they realize their mistake, it’s too late to give up on those policies.
However, choosing the right insurance company and policy could be an overwhelming experience. There are many insurance providers present in the market.
Choosing the right motor insurance policy is essential as it protects in case of any unfortunate incidents.
Here are the basic steps you need to follow while selecting the best suitable policy for yourself.
Motor Insurance in Dubai FAQ’s
How to check vehicle insurance in UAE?
You can check the insurance details of your vehicle at the RTA website. Visit the RTA website, log in using the registration number of your vehicle. You will then be able to access the details of your vehicle including the insurance plan, validity status, grace period and expiration date.
How does motor insurance work in Dubai?
RTA has made it mandatory to have insurance for every car in Dubai. As a result any damage done to your car will be paid by the insurance company.
What are the car insurance requirements Dubai?
To insure your car in Dubai, you need the following documents:
- Your Passport / ID card.
- A Recent Photograph.
- Your Driving License.
- Your Vehicle registration number.
- A Pollution test certificate.
- Old car insurance policy number.
- Your Credit or debit card details for online payment.
Type of Motor Insurance in Dubai
There are different types of motor insurance policies available that vary based on the benefits that each policy provides.
To know the right type of policy for yourself, you need to know the basic requirements and the covered risk factors.
This type of policy provides wide protection coverage for your vehicle, as evident from the name.
In some cases, the banks make getting this type of motor insurance compulsory.
If the car is involved in an accident, the comprehensive insurance policy covers the damages to your car and the other cars that were part of the accident.
This type of policy also helps when the car gets damaged without collision. In fires, theft or vandalism, you can file the claim with the insurer.
Third-party liability insurance
This is a very basic type of policy which does not protect your car in case of an accident.
It also does not cover the medical bills if the passengers of your car sustain any injuries.
The owner of the policy has to pay for it themselves.
If you own this policy, the insurer will only pay for the damages to the other car involved in the accident and its passengers.
While buying this policy, it may seem like an economical choice as the premium is low.
But in reality, having this type of motor insurance in Dubai could prove a very expensive choice.
The policy does not cover even the basic damages to your car in case of an accident.
Given the risk of accidents in the UAE, it is not an ideal option.
Don’t Settle on a Single Quote
While choosing an insurance policy, analyze multiple alternatives available and select the suitable option.
The premium and coverage vary from company to company and policy to policy. At least consider a few options before finalizing one.
You can check the updated quotes from different insurers online.
If you did not get into any recent accidents during the term of your previous policy, then ask your insurer for a no-claim certificate.
This will help you get a discount on the new policy you’ll be buying.
Comparison of Motor Insurance Quotes in Dubai
It is essential that you completely understand the terms and conditions of the policy that you are buying.
Understanding the inclusions and exclusions is important.
If you buy a policy with a lower premium and later find out that it does not provide the coverage for your particular needs then that is just an added expense from your own pocket.
No policy is the same. None provide the same set of protection. Some motor insurance policies might be offering a cheaper premium, but they might not cover situations like driving across the border of the UAE.
Therefore, you have to make sure that you choose the best price available that covers your needs and requirements.
Choose the Right Add-Ons
Not all policies provide all types of protection coverage. You might need to get some additional add-ons.
Choosing the right add-ons is a very critical step, as each add-on will come with an increase in your premium.
Thus you have to be sure that you only select the suitable ones for you before you buy the policy.
This add-on is perfect for roadside emergencies like towing or repair if the car breaks down or if it runs out of fuel during an important trip.
Everyone should have this insurance cover added to their policy.
Agency repairing services
Some people are not comfortable taking their cars to local mechanics for repair services.
They like to take their cars to the official dealers only if a problem occurs. Although agency repair might be considered of higher quality it is comparatively expensive too.
Therefore, this add-on is suitable for people who prefer to get their cars serviced by authenticated dealers.
Coverage across the GCC
Frequent travellers need this coverage in the GCC nations. Some countries like Oman do not let outsiders inside without a standard GCC or international insurance.
If you often travel to GCC countries, you should consider having insurance coverage even if its law does not require it.
If your car is in the workshop for repair, some companies offer a rental car temporarily.
Personal accident cover
Most insurance policies only provide basic medical assistance in case of damage. So, in case of an accident, this add-on will cover the driver’s serious bodily injury or death.
Personal accident cover for passengers
This will provide coverage for any harm to the passengers, like serious bodily injury or death.
The documents you’ll need
After taking the decision of which motor insurance you are going for.
You need to keep the copies of the following documents ready and provide them to your insurance policy provider:
- Driving license
- Residence visa
- Vehicle registration card
- No claim certificate if it is applicable to your policy.
Choosing the right motor insurance is not as difficult as it might sound. If you follow the steps mentioned above, you can easily select the right policy.
The idea is not to exceed your budget while getting your needs and requirements covered.
This balance can be achieved if you clearly understand what you need and what is being offered.
Getting legitimate car insurance that covers your needs while not costing you a fortune needs a little research on your behalf.
Originally published Nov 14, 2020 15:17:00 PM, updated Jun 08, 2022