About Car Insurance in UAE

Insurance is an arrangement through which a company undertakes to provide a guarantee of compensation for specified loss, damage or death in lieu of payment of a specified sum. Car insurance is a motor vehicle insurance, which aims to insure the vehicle and its occupants and to provide assistance in case of any accident.

Importance of Car Insurance

UAE has seen tremendous growth in the last few decades, which has made it one of the most prosperous countries in the world. This prosperity has resulted in more vehicles on the road and more insurance agencies setting up base in UAE. Vehicle manufacturers from across the globe have found love in UAE, with car sales going through the roof. Cities like Abu Dhabi have seen a 700% growth in the number of vehicles in the last five years. UAE is home to the fastest and most expensive cars in the world and it becomes a necessity to insure these expensive machines. The addition of cars on the roads increases the chance of accidents, which can put lives at risk. A good car insurance policy can act as a safety net in case of any untoward incidence. Local laws make car insurance mandatory for owners and not insuring it could lead to severe punishment.

amafh.com is an independent provider of insurance products, helping users to compare car insurance from a range of insurers in the Middle East. With amafh, you will find competitive quotes, as well as all the information needed to make an informed choice on which policy best suits your needs. We work alongside insurers to save you money and time.

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Benefits of Car Insurance

  • Agency repairs – Most insurance providers ensure that policy holders are provided with agency repairs for up to 5 years from the date of registration.
  • Doorstep delivery – The policy is delivered at the customers’ doorstep, saving time and money to travel to the bank to pick up the policy.
  • Car registration –Most insurance providers provide customers a hassle and tension free car registration service.
  • Roadside assistance – The insurance policy provides customers roadside assistance in case of vehicle breakdowns or emergencies.
  • Car cash benefits – Some insurance providers offer customers courtesy car cash benefits.
  • High cover – Policy holders get high third party property damage cover of up to AED 5 million.
  • Off road coverage – Policy holders are provided off road coverage which provides cover for any accident which occurs off road.
  • Personal coverage – Policy holders get personal belongings cover of up to AED 5,000 in most cases. One can be tension free if they lose any belongings from their vehicle.
  • Free pick up and drop – Certain insurance provides offer policy holders free pick up and drop facilities to the airport.
  • Emergency Medical Expenses – Some insurance providers allow policy holders to avail emergency medical expenses claims up to AED 3,500.
  • Natural Calamity cover – Certain insurance providers cover natural disasters and calamities.
  • Grace renewal period – Some insurance providers give policy holders a one month grace period to renew their insurance policy.

Types of Car Insurance

There are different types of motor vehicle insurance options available in UAE. The major ones are illustrated below.

  • Comprehensive/Fully Comprehensive (Basic) – Insurance companies are legally obligated to provide this insurance at a price level of 3-5% of the value of the car. This covers damage to the own car.
  • Comprehensive with options – Customers could choose options like dealer repair, free car hire, insurance in other GCC countries and recognition of no-claim bonuses. These will cost the consumer about 3-10% of the car value.
  • Comprehensive premium level – This comes at an extra 2% value of the car and is restricted to certain conditions and limitations.
  • Third Party – This policy covers damage in case of incidences with an external party. The third party needs to be insured if a claim has to be made against them under third party rules.
  • Third Party fire and theft – This is the legal minimum one is required to have and is the cheapest option. In case of an accident the insurance policy will not pay for damages to the own vehicle, the insurance provider of the person who caused the accident will be required to pay for damages.

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Top Car Insurance providers in UAE

  • ADCB Car Insurance

Abu Dhabi Commercial Bank provides car insurance from leading carriers at extremely competitive rates starting as low as 2.35%. Policy holders are provided with agency repairs for up to 5 years from the date of registration and doorstep delivery of their policy. The insurance policy also provides high third party property damage cover of up to AED 5 million along with off road coverage for certain vehicles. The policy also allows for free airport pick up and drop facilities and personal cover of up to AED 5,000.

  • ADIB Car Insurance

Abu Dhabi Islamic Bank offers customers a car insurance policy based on the Islamic Shari’a Law. The ADIB Motor Takaful Protection programme offers customers easy finance options to contribute to the Takaful contribution. The policy covers unlimited bodily injuries as per UAE laws and provides a personal accident cover up to AED 150,000 per person. Fire and theft cover is also provided by this plan.

  • CBI Car Insurance

Commercial Bank International offers customers car insurance based on their individual needs. The premium for CBI car insurance starts as low as 2.5% and it offers them agency repairs for up to five years from the date of registration. The personal accident benefit covers both the driver and passengers in case of accidents. The auto gap feature covers new vehicles for the first six months. Registration of the car is also taken care of under the policy.

  • CBD Car Insurance

The Commercial Bank of Dubai offers an AutoCare insurance policy which is in line with the vehicle insurance laws of UAE. This policy provides a natural calamity cover against disasters and any natural calamity. A high third party damage cover of up to AED 2,500,000 is provided to policy holders. A personal effects cover of up to AED 1,000 protects against loss of personal effects. The insurance policy covers both UAE and Oman, allowing protection in case of cross country accidents.

  • Dubai Islamic Bank Car Insurance

DIB provides its customers a Takaful insurance at extremely low rates. This follows Shari’a law and allows customers to choose from different packages based on their needs. They provide third party cover up to AED 3,500,000, protection from natural calamities, 24×7 accident and breakdown recovery service, off-road cover and agency repairs up to 3 years.

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