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Owning and driving a car comes with great responsibility. While it provides convenience and freedom, you also undertake sizable financial risks each time you get behind the wheel. Comprehensive car insurance is essential to protect yourself from unforeseen incidents that could lead to costly repairs or replacements. Let’s learn more about the importance of full comprehensive car insurance.

Importance of Having Comprehensive Coverage

Comprehensive car insurance is more than just basic liability protection in case you cause an accident. It safeguards you when your vehicle sustains damage from a covered event, regardless of who is at fault.

This includes damage from severe weather conditions, vandalism, animal collisions, fire and theft. Without comprehensive insurance, you would bear the full brunt of fixing or replacing your vehicle out-of-pocket after such occurrences.

The premiums for comprehensive car insurance is very reasonable compared to the benefit you gain. Most major insurance companies estimate that over a 10 year period of driving, nearly 1 in 3 car owners will make a claim on their comprehensive policy. This clearly demonstrates the high likelihood you will need to tap into full comprehensive car insurance at some point.

Why Should You Buy the Best Comprehensive Car Insurance?

Spending a little now for best comprehensive car insurance brings immense peace of mind. You can drive with confidence, knowing you have a safety net if something entirely out of your control happens to your precious asset.

Compare rates now and speak to agents to find the most suitable comprehensive policy for your needs and budget. With the right coverage backing you up, you can enjoy many carefree miles behind the wheel.

Let’s get started

Get comprehensive car insurance in minutes

1
Get quotes

Fill out a simple form with your car details to get quotes from the best car insurance companies in the UAE

2
Compare & Choose

Compare different comprehensive car insurance quotes and choose the policy that best suits your requirements.

3
Buy & Sit back

Choose your preferred payment method and get your policy within minutes 

Benefits of buying comprehensive car insurance

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Why compare comprehensive car insurance with BAI?

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What is comprehensive car insurance?

Comprehensive car insurance protects third-party physical and financial damages and injuries as well as damages to your vehicle. Comprehensive insurance is characterized by the fact that you can add many features to the insurance policy to benefit from it and obtain better protection, which is for an additional financial premium.

Spectacular car insurance upgrades and additional covers

Additional features are not usually included in traditional policies. You can choose which features to add to your policy for an additional cost to your premium.

Following are the additional covers which may be included in your comprehensive car insurance policy on request:

  • Zero Depreciation Cover
  • No Claim Bonus Protection Cover
  • Engine Protection Cover
  • Roadside Assistance Cover
  • Return to Invoice Cover
  • Daily Allowance Cover
  • Passenger Cover
  • Windscreen Cover
  • Consumables Cover
  • Tyres Protect Cover
  • Kep Replacement Cover
  • Loss of Personal Belongings Cover
full comprehensive car insurance

Documents you need to buy or renew Comprehensive Car Insurance

Getting comprehensive car insurance with BuyAnyInsurance is a matter of a few clicks or a free phone call. The documents required are:

  • Driving license of the car owner
  • Mulkiya or vehicle registration certificate
  • Emirates ID
  • Passport & residence visa copy for expats

Some insurance companies might require more documents, but in most cases, these are the basic documents you need.

What does comprehensive car insurance cover?

Depending on the opted coverage, Comprehensive Car Insurance policies may cover:

  • Vehicle damage to third parties
  • Damage to the insured vehicle
  • Personal accidents for the third party, the driver, the passengers, and the family
  • Fire / external explosion / self-ignition / lightning strike
  • Burglary or theft
  • A deliberate act of a third party
  • Transportation including loading and unloading
  • Roadside assistance

Comprehensive car insurance policies may not cover damages resulting from:

  • Driving without a license
  • Damage to mechanical or electrical devices
  • Car or vehicle overload, Increasing the number of passengers in the car
  • Tire damage, if not at the same time, damage to the insured vehicle
  • Invasion, foreign enemy actions, or hostilities
  • Using the car in a race
  • Driving under the influence of drugs or alcohol
  • Natural disasters unless included as an additional appendix

We are here to help!

How to get affordable comprehensive car insurance in the UAE?

Below are some techniques that may help you avail affordable comprehensive car insurance in the UAE:

Shop on BuyAnyInsurance

No need to waste time shopping around by talking to many brokers or insurance companies. Just enter your car details on our website to compare car insurance quotations from different companies. If you’re not a tech-savvy person, just speak to our experts who have everything handled for you, end to end.

Get the right coverage

Third-party Insurance is cheaper than comprehensive insurance. However, if you’re opting for comprehensive coverage, you can choose fewer add-ons. By limiting your add-ons, you can get comparatively cheaper car insurance.

Ask for discount

From time to time, Car Insurance companies offer discounts and deals on certain policies. Look out for these offers or ask your insurance expert about the latest available discounts.

Higher Deductible

Insurance deductibles are the amount you decide to pay out of your own pocket in case of a claim. By opting for a higher deductible, you can lower the premium. However, this affords you little protection in case of a claim, and you end up paying more in an emergency.

No-claims discount

An unconventional way to get a lower premium is by being a good driver with little to no claim history on your policy. Policyholders with little or no claim history are awarded a No-Claims discount which lowers their policy premium significantly.

Bundle Insurance

A smart way to get a discounted rate on your insurance is by buying more than one policy. You can club health, home, and motor insurance together from the same provider to get an overall discount on the premium.

Comprehensive car insurance benefits

Depending on what you opt for, the below benefits can be included in your comprehensive car insurance policy:

  • Car repair at the agency
  • Off-road driving
  • Natural disaster coverage
  • Windshield damage coverage
  • Covering GCC/Oman
  • Personal property coverage
  • Driver’s accident coverage
  • Passenger accident coverage
  • Ambulance service
  • Civil fighting and riots
  • Emergency medical expenses
  • Theft in valet parking
  • Lock replacement
  • Roadside assistance
  • Car replacement

How to file a claim incase of an accident?

Filing a claim is a two-part process. Both the policyholder and the insurance provider must do their part. When you buy with BuyAnyInsurance, all you need to do is contact our car insurance experts at 800 765 429, who shall assist you in processing your claim.

However, finding most of the evidence for the claim is the policyholder’s responsibility. Follow these easy steps:

1
File a police report

The first thing you should do after an accident is to immediately call the police. You need to have a police report attached to your claim, so it's best to get the authorities involved as early as possible. The police report gives a clear and unbiased account of the collision and can go heavily in your favor during the claims process.

2
Take photographs

If you aren't heavily injured and have taken care of your co-passengers, you should take photographs that prove to be evidence of the damage to your car. It would help if you also took photographs of your surroundings to map out the collision's situation.

3
Inform your insurer or call BuyAnyInsurance

Having your insurance provider in the loop is also imperative because they can help you collect information about the claim. They can advise which documents and evidence they need so you can arrange them accordingly.

4
Don't accept any settlements

Do not, under any circumstances, accept an offer from any party or sign any waivers without consulting your lawyer or your insurance provider. There are chances you might be given a lower settlement than you deserve.

5
Save all receipts and documents

When you submit your claim with the insurance provider, ensure you have all the receipts, from towing to repair to medical expenses. All the receipts and documents are crucial to determine the amount of money you paid and what needs to be compensated, so keep them safe.

FAQs

Can I shift my third party car insurance to a comprehensive car insurance plan?

Yes, you can shift your third-party liability car insurance plan to a comprehensive car insurance plan. But, your insurance ...
Yes, you can shift your third-party liability car insurance plan to a comprehensive car insurance plan. But, your insurance premium costs can be higher as a comprehensive plan gives you full coverage.

Who needs comprehensive car insurance in the UAE?

All residents of the UAE can benefit from comprehensive car insurance coverage. It is recommended to purchase this document if ...
All residents of the UAE can benefit from comprehensive car insurance coverage. It is recommended to purchase this document if you live or work in a crowded city, where there are frequent car accidents, theft, or vandalism. In such a case, comprehensive car insurance coverage plays an essential role in protecting you from the dangers facing you.

How to choose comprehensive care insurance?

Selecting the best comprehensive car insurance depends upon many factors like car model, driver’s license, number of claims, ...
Selecting the best comprehensive car insurance depends upon many factors like car model, driver’s license, number of claims, etc. It may also include windscreen coverage or roadside assistance. However, having lower deductibles in your comprehensive car insurance is more logical.

What is the cost of comprehensive car insurance in the UAE?

A good comprehensive car insurance policy in the UAE starts from AED 700. But the cost can vary depending upon different ...
A good comprehensive car insurance policy in the UAE starts from AED 700. But the cost can vary depending upon different factors like - car model, driver’s experience, insurance claims, etc.

How to purchase comprehensive car insurance online?

Purchasing comprehensive car insurance coverage online is very simple. You need to follow six steps to purchase the best ...
Purchasing comprehensive car insurance coverage online is very simple. You need to follow six steps to purchase the best comprehensive car insurance coverage policy for your car, as mentioned below:
  • Prepare your car-related information in one place
  • Enter the required information on BuyAnyInsurance.ae or call us at 800 765 429
  • Get quotes from multiple insurance companies
  • Compare the Quotes
  • Select the best comprehensive car insurance policy that best suits your needs
  • Make the payment online with your debit or credit card and get the policy in your inbox
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