How To Choose The Best Motor Insurance In Dubai

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How To Choose The Best Motor Insurance In Dubai
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INTRODUCTION

•  Motor insurance is mandatory in the Emirates and
  you can't register your vehicle without it. 
• Motor insurance policy gives you financial
  protection and peace of mind, in the unfortunate
  event of an accident.
•  It is important to be aware of some fundamental
  aspects applicable to motor vehicle insurance in
  the Dubai.

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TIPS TO CHOOSE THE RIGHT MOTOR INSURANCE

• Regulatory Requirement
• It is a regulatory requirement to purchase
  insurance whether you are purchasing a vehicle
  for the first time or you are renewing the annual
  registration of your existing vehicle. It is a
  Unified Motor Insurance policy which is mandatory
  by law in the UAE. The minimum insurance as
  stipulated by law is a Third Party Liability
  insurance cover.

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• Available Covers
• The UAE Unified motor policy is available in two
  product forms
• Third Party Liability only This meets the
  minimum law requirement.
• Loss, Damage and Third Party Liability Commonly
  known as Comprehensive or full insurance. 
  Comprehensive cover may be bought at various
  optional levels  depending on the additional
  rider covers and limits.
• The minimum cover requirement can be provided by
  the majority of insurance companies within the
  UAE..

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• Know what you are paying for and do not make a
  choice purely based on premium.
• Consider your car while choosing Third Party
  Limits and make sure the limit of liability is
  proportionate to exposure on the road
• Purchase the right insurance policy as per your
  needs and use
• Sit back, take a deep breath and don't get
  overwhelmed by the huge range of deals available
  across the UAE.

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FACTORS DECIDING THE MOTOR ANNUAL INSURANCE
PREMIUM

• Cover required (Level and Type)
• Age of the Insured and Driving Experience
• Vehicle Age
• Body Type
• Vehicle Value
• Number of Cylinders
• Vehicle Make and Model
• Claims History  
• Use of the vehicle (Private or Commercial)

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DOCUMENTS REQUIRED TO PURCHASE A MOTOR INSURANCE

• Full data of your vehicle and your personal
  details
• No Claim Bonus Certificate
• Copy of Vehicle Registration in case of renewal
• Copy of Purchase Invoice in case of new vehicle
• Copy of Driving License
• Copy of UAE ID

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CONCLUSION

• You should take into consideration all the above
  if you want the best motor insurance in Dubai.
• But above all, its just as important to adhere
  to best practices of road safety, traffic rules
  and regulations.
• Happy driving!!