Top 3 Tips for Choosing the Best Car Insurance Policy in the UAE
Are you planning to get a new set of wheels? Before you do so, you should also look into the details of how to get the most reliable car insurance policy. Getting car insurance is not only a necessity; it also increases your enjoyment while cruising around in your new car.
Be Sure to Insure
Knowing that you and your loved ones are safe while on the road adds to the fun of driving. Having your car insured will eliminate that nagging thought of costly repairs and replacements should the unexpected happen. Similarly, getting your vehicle insured will also bring about peace of mind and security while you’re out on the road.
Aside from the fact that it is mandated in the United Arab Emirates (UAE) to get car insurance when buying a car, reliable car insurance will also protect you from unnecessary worry and costs. Depending on the insurance coverage you choose, you can sit back and entrust your vehicle to a dependable provider when it comes to car accident repair or replacement in case of an accident or calamity.
Knowing the advantages of car insurance, there’s really no reason for you to stall in getting one. If you are unsure of how to go about it, then worry no more. Just read on and find out the top tips for choosing a trusty car insurance policy in the UAE:
1. Research and Compare
The first step in choosing the right car insurance is to actually do your homework. Part of being a responsible car owner is to abide by the law of the land. This means that if you are buying a car in the UAE, then you should definitely get car insurance along with it. Knowing the rules and regulations set forth by the government will help you avoid legal repercussions down the road.
At the same time, you should also take the time to compare insurance providers. There are a lot of choices when it comes to car insurance. To avoid being overwhelmed, you can use an insurance comparison site to look for the best one that will cover your needs.
An insurance comparison site will make the job easier for you. It will help you save time because you can get instant, side-by-side comparisons on insurance policies and identify where you can save the most. It’s also hassle-free because you can do it in the comforts of your own home.
In addition, it will give you unbiased results. Car insurance quotes are ranked by price so you don’t need to scamper around looking for the best-priced deals.
Lastly, you are under no obligation to purchase. If you are not yet ready, you can simply scour the options and take your time in choosing the best car insurance policy suited to your needs.
2. Seek Assistance
It would also be best if you can have someone you trust help you in choosing car insurance. Ideally, it should be someone who has purchased car insurance before or is knowledgeable about it. This will aid in bringing in insight based on experience.
No need to worry though if you do not have a family member or friend to help walk you through the intricacies of car insurance. Car insurance comparison sites also offer personalized advice. You can chat with their service advisors online and get informed answers based on your requirements.
3. Check the Coverage
Before you sign on the dotted lines, make sure you review your insurance coverage. There are basically two types: Third-Party Liability (TPL) Cover and Comprehensive Cover.
TPL coverage is the most basic form of car insurance. At the minimum, this is the required coverage required by the UAE motor vehicle law. With this, bodily injury or death of a third party is covered as well as any damage to their vehicles. However, this does not protect you from theft, personal medical expenses, or repair costs.
On the other hand, Comprehensive Coverage includes TPL coverage as well as compensation and protection for you and your vehicle even if the accident was deemed your fault. This is the highest form of car insurance coverage that you can get.
You can also opt to get additional coverage such as Personal Accident Cover, Geographical Extension Cover, Off-road cover, and other more detailed coverage policies.
Choose the Best
Depending on your needs and budget, you can get the most fitting car insurance for your vehicle. Using a car insurance comparison site will be most helpful because you don’t need to physically go around looking for insurers. At the same time, a reputable comparison site will also only feature well-regarded insurers so you can be assured that you avoid fly-by-night offers.
The best thing to remember is to go for the insurance policy that will address your particular situation. Whether it is the type of car, how often you use your vehicle, or what your financial capacity is, car insurance is a necessity that will help you enjoy many miles of safe and comfortable driving.
Erin Daniyel is the VP for Revenue Operations at Rubicon Project and spokesperson for CompareDubai, an online comparison portal that provides customers with a one-stop platform to compare insurance quotes offered within the UAE. CompareDubai delivers quotations from a number of insurance providers covering a range of products, from Car Insurance to Motorbike, Yacht and Boat, Medical, Life, Business and Home Insurance.