What is covered by a basic Car insurance policy in Dubai?

There is nothing better than the peace of mind that comes with knowing you have the right kind of insurance while being on the road – especially the roads of Dubai. With unfortunate, unforeseen events that could occur at any time such as accidents due to high speeds, theft or any mishap due to a number of reasons – protection for you and your vehicle should never be taken lightly. The expenses, and legalities, could be astronomical if you are not covered with the right insurance or if there has been any significant physical injury to you or someone else.

To reiterate, the following are some benefits you can enjoy after being insured

• Protection from loss of car or damage to your vehicle
• Unlimited liability for third party death or injury claims
• Indemnity for third-party property damage
• Protection from financial liability

Types of Car Insurance in the UAE

There are two types of Car Insurances you will find in UAE – Each caters to the level of protection you wish to have.

Third-Party Liability Auto Insurance

Third-Party Liability Car Insurance is mandatory for every car owner in the U.A.E. Since it is considered to be the basic form of car insurance, the spectrum of protection is not as wide. However, the insured party receives protection against any liability which may arise due to a third-party physically injurious instance or any damage caused by the insured car. However, the insured party is not protected from the costs of an accidental collision or fire. It is stated that people with third-party insurance should be prepared to meet the expenses of repairs arising from accidents out of their own pockets.

Comprehensive Auto Insurance

As the name suggests, Comprehensive Insurance protects the insured car from all possible damages that may arise from an unforeseen circumstance. It also financially covers the costs of any accident leading to damage, injury, or death to a third party.

Car Insurance Policies Cover:

These are some of the common services provided to the policyholders:

• If the vehicle breaks down or meets with an accident, the transport facilities or towing assistance to the nearest shop is provided. This service provided by the Roadside assistance service if included in the insurance policy.
• Crane assistance is provided to remove or extract the insured car from the place of incident in case of breakdown due to an accident.
• In case any of the tyres go flat, the insurer will provide assistance to remove or replace it without any labor charges.
• In this case, assistance is provided to jump-start the engine so that it can be taken to the nearest garage for repair. Fuel assistance is provided if the vehicle runs out of fuel while driving on the road.
• Roadside assistance is provided to unlock the car, in case the keys are accidentally left inside the car.

Car Insurance Policies Do Not Cover:

car insurance in Dubai will cease to exist in the following circumstances:

• Driving with an Invalid License or Under the Influence of Intoxicants - If the driver drives with an invalid Driving License or under the influence of intoxicants such as alcohol, drugs, etc., and meets with an accident.
• Overloading - In case the insured automobile was overloaded or was encumbered beyond the defined capacity.
• Providing Misleading Information or Intentional Damage- In case false or misleading information is provided to the insurance provider at the time of buying the insurance plan. Or, if it's proved that the damage/accident was caused intentionally.
• Unethical Use of Insured Vehicle - In case the insured the vehicle is used for any purpose except as mentioned in the insurance policy.
• Claims Filed After 3 Years - Motor Insurance providers in Dubai doesn't entertain claims registered 3 years after the accident

I am Elan Juli and I am a blogger