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Quick Tips for Cheap Car Insurance in Dubai

Written by Sahar

Cheap car insurance is attainable in a city like Dubai. You just need to know where to look.

Who doesn’t like saving money? We’re all looking for that elusive discount or promo codes which will save us a few Dirhams. It’s human nature to try and save even a little bit. But some things are essential. No matter how hard you try you’re going to have to pay for them even if the prices are astronomical.

Case in point – Car insurance in Dubai.

Not only is it mandatory by law, but it can also be very expensive. Monthly premiums can’t be skipped. If you do you risk running fines, or worse being uninsured when crisis strikes.

So, how can you have your cake and eat it too?

Here are some tips to help you scale back the premiums, but keep the quality of your insurance intact. Our tips on getting cheap car insurance in Dubai will help you navigate the insurance market.

Think Before You Buy Your Car

As soon as you start the insurance process you’ll realise that a lot decides your premium. Factors such as your age, where you live, how many drivers, experience on the road all come into consideration.

This includes your vehicle. Brand new, expensive, and luxury cars, as a rule, will hike up the premium. This is because the insurance provider takes the market value of the vehicle. Brand new and luxury cars have a higher market value and will cost more to repair in case of damage. Hence, a higher premium.

If you want to avoid high premiums and get cheap car insurance it would be best to buy something more economical. Family cars are considered high value for money. Second-hand cars are also a good investment. Because their market value is lower you can get cheaper car insurance on them.

Conduct Independent Comparison for Cheap Car Insurance

If you go to the source of the insurance policy you’re highly unlikely to get an unbiased review. Insurance providers are keen to keep their public appeal up. They carefully curate their online presence so you only hear good things about them.

To get the most unbiased view, you need independent platforms where you can compare policies and companies. The best thing about online insurance comparison platforms is that you can often find competitive rates and discounts. So, if you’re on the search for cheap car insurance in the UAE you need to get online.

Get What You Need from Cheap Car Insurance

Sure, you want cheap car insurance. But at what cost? You don’t want to compromise on coverage. Therefore, we recommend you draw up a list of must-haves. What do you absolutely need in your car insurance? What can’t you live without?

Once you’ve marked out what you need it will be harder to get swayed by sweet-talking insurance representatives. Buying cheap car insurance is like shopping for groceries. You need to go on a full stomach, and with a shopping list to stay within budget.

Putting Your Car to Good Use

As we mentioned before a lot of your premium depends on your car and how you use it. If you’re going to be raking up milage throughout the insurance term you can expect a higher premium. You see, it all has to do with the risk involved.

Car’s dedicated to domestic activities are low risk because they hardly get out of the house for long periods. But vehicles used for regular and lengthy commutes are risky. They are almost always on the road and bound to get more wear and tear.

To get cheap car insurance you need to keep your milage in check. Only use your vehicle for out of city travel. Use local transport, and car-hailing apps frequently to help reduce your premium.

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Higher Excess/Deductible for Cheap Car Insurance

A sure-fire way to get your premium to plummet is to get a higher excess or deductible. What this means, essentially, is that you pay a certain amount out-of-pocket in case damage is incurred. Now, I know what you’re thinking – why should you pay out-of-pocket when you’re also paying for insurance. Let us explain.

Having a high excess means you pay less for insurance. You still get all the coverage but it doesn’t cost as much. Instead, you cover a part of the cost in case of damage. This is great for low-risk drivers who hardly take their vehicles out, or who are very careful on the road. If you have a clean driving history and are hardly ever involved in an accident you should seriously consider higher excess.

Model Citizen

Taking it a step further from the above point – you can be a model citizen to get cheap car insurance. When it comes to assessing risk you are a major factor in what the insurance company decides to charge as a premium.

If you have a bad driving history it’s unlikely you’ll get cheap car insurance. Low-risk model citizen’s get better insurance premiums. It’s just a fact. So, if you want cheap car insurance you need to start following traffic rules.

Be Upfront About Discounts

If you won’t ask, you’ll never know. That should be your motto when shopping for cheap car insurance. When in doubt ask. Ask about better coverage. Ask about lower rates. Ask about discounts. Always ask. What’s the worst that can happen?

Third-Party Liability Insurance

If all else fails you can always opt for third-party liability insurance. It’s the most basic form of insurance in the UAE and it costs a fraction of Comprehensive Coverage. Of course, it doesn’t cover your car for damages at all. But you can opt for theft and fire coverage. Add that to your third-party liability for a bit more coverage at a lower cost.

And there you have it. You can get cheap car insurance in Dubai for sure. Just follow the above and you’ll be where you want to be soon.

    Originally published Feb 26, 2020 21:35:33 PM, updated May 11, 2021

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