If you want to drive your car in Dubai, you should compulsorily get car insurance. However, whenever you go to buy car insurance in Dubai, you get two basic options i.e. cheap and affordable type of third-party insurance and comprehensive insurance policy. Here, third-party insurance does not cover enough and comprehensive one is somewhat pricey but gives you many benefits as well as coverage.
However, the question that comes in mind is what type of car insurance in Dubai, a car owner should buy. For this, if you purchase a new car or own an expensive used car, you should go with the comprehensive type of car insurance policy.
According to the premium amount you have to pay and the insurance company, with who you are working, your policy coverage and the related benefits may vary. Thus, to make the most, you have to look for the mentioned benefits in your comprehensive type of coverage related to car insurance in Dubai.
Agency Repair
If you purchase a new car, you should look for an insurance policy, which includes the agency repair in it. Besides, your chosen plan should let you negotiate for the extended time related to the availability of your agency repair.
Replacement Car
If you check the insurance law of UAE before 2017, the inclusion of replacement car coverage was optional in a comprehensive policy. However, according to the latest UAE car insurance rules, insurance companies have to provide a replacement car to vehicle owners. However, if the company does not possess the respective facility during the car repair, insurance companies have to provide AED 300 or even more for 10 days.
Roadside Assistance
Whenever you search for a comprehensive type of car insurance in Dubai, you should make sure that your policy offers and includes the handy coverage of roadside assistance. Moreover, you should search for additional benefits related to your comprehensive plan. These include the battery saver or battery boost, mechanical repairs, towing of vehicles, delivery of fuel on emergencies, lockout support, and a flat tire.
GCC Coverage
If you have to travel to any of the neighboring states of GCC i.e. states belonging to the Gulf Cooperation Council, you should look for a car insurance plan that provides you GCC coverage.
Ambulance Fees
You should check whether your car insurance includes ambulance fees or not. This type of coverage is essential if you or any of your family members require emergency medical treatment. Besides, you should look for personal injury coverage and any loss related to personal effects at the time of the accident.
Off-Road Coverage
Dubai is an excellent place for driving your vehicle at almost every place you want. However, if you want to explore the desert area or any of the off-road regions by driving your vehicle, you should make sure to get an off-road coverage under your insurance policy.
Additional Benefits
There are several other benefits, which remain covered in the policy. This includes replacement of car keys, registration and renewal service for your car, along with personal accident coverage for passengers and driver, windscreen cover, coverage against both natural and social perils, dent repair, legal liability, and 1-year depreciation waiver. You may easily negotiate in any of the tailor-made comprehensive types of car insurance policies catering to your specific requirements. However, you have to keep in mind that you have to pay a high premium amount if you look for more numbers of benefits.
To conclude, we should say that a comprehensive policy is the best one to choose in the case of selecting a car insurance plan to drive your vehicle in Dubai.
