Car insurance add-ons are extra features you can include in your basic Comprehensive car insurance, providing additional coverage. Some of the most sought after features in Dubai, Abu Dhabi, and all over the UAE are:

• Personal accident cover

  Personal accident cover is not included in your basic comprehensive policy despite popular belief. Personal belongings are automatically covered in your policy. To add personal injury due to accidents, you must include the Personal Accident Cover in your policy.

• Agency repair  

  In case of vehicle repair and maintenance, your regular comprehensive car insurance will send you to garages partnered with your insurance company. These garages come highly recommended by your insurance provider, and their repairs are accepted as high-end. If you choose to have your car serviced and repaired by the agency that manufactured your vehicle, you are free to select that add-on to your insurance policy. Selecting agency repair for your policy will cost you more premium, but it will be worth it if you find it more satisfactory.

• Replacement vehicle

  Unfortunately, some accidents leave the vehicle so damaged that it is unusable. The car is sent for thorough repairs that can last week in these circumstances. While your car is recovering some semblance of its old self, you are left without a vehicle to navigate your day-to-day life. In these circumstances, add-ons such as Replacement Vehicle can come in handy. They ensure that the insurance provider must give you a replacement vehicle for use while your car is being repaired or provide you monetary compensation to rent a vehicle.

• Off-road cover

  Dubai and the UAE are famous for many things, including the desert safari. People come from far and wide to experience the adventure of dune surfing and the beauty of the Arabian nightlife. If you're a desert safari enthusiast, like taking guests on dune surfing tours, or own a fleet of vehicles specializing in renting cars for dune surfing, you need to add Off-Road Cover to your car insurance. Otherwise, your vehicle will not be protected against any damage it incurs during the ride.

• Roadside assistance

  Vehicles breaking down on the road are a regular occurrence. You can either call the local mechanic and wait on their whims or call your insurance provider, who will send you a tow mechanic on priority. You can get it by adding Roadside Assistance to your policy.

• Fire and theft

  Fire and Theft seem like they should be included in your basic policy, but they are not. These are add-ons you can get by paying a higher premium.

• Oman and GCC Extension

  Living and working in the UAE, you'd want access to all the Emirates. However, your car insurance won't cover you in each. You need to get Oman Cover which provides a modicum of protection in the GCC countries.