Car Insurance Checklist

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Top points that your checklist must include
before buying a Car Insurance in Dubai
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• Car Insurance is a crucial subject in the UAE
  considering the number of accidents on the road
  every year with speeding being the main concern.
  Making the right decision regarding which car
  insurance provider provides the best can have a
  major impact on your yearly savings. We have
  compiled a list of ten must think off when you
  shop for car insurance in Dubai.

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Check the basic details of the policy

• Most people in Dubai opt for car insurance
  simply because the countrys laws demand that
  they do so. In the process they fail to check
  what the standard policy covers. You need to
  check what parts of the vehicle does the policy
  cover and the maximum coverage provided.

4
Make sure you pay a policy excess.

• This is the excess amount that you will need to
  pay towards a claim that indirectly reduces the
  cost of insurance. When you select a voluntary
  excess some insurers will quote a lower price
  accordingly.

5
Does your policy offer roadside assistance?

• Ensure your policy gives you 24X7 roadside
  assistance. By contacting the emergency number
  given on the policy or a sticker on the left side
  of your windshield your insurance company will
  send someone to your location to help you.They
  take care of mechanical repairs, vehicle towing,
  battery boost, flat tyres, emergency fuel
  delivery etc.

6
Can you drive your car within the GCC?

• It is advisable to take a policy that covers
  you across GCC countries.Remember you will not be
  permitted to enter Oman without this kind of
  cover.

7
Will your insurance cover give you a no-claims
discount?

• A no-claims discount is a special discount
  given on the premium to people with an accident
  free record for over a year. Having a no claims
  certificate allows you to opt for agency repair
  on an older car which is normally not possible.

8
Will your policy cover you incase you want to
drive off-road?

• Most policies do not cover you if you damage
  your car while driving off-road. However
  activities like wadi or dune bashing are
  excluded. Make sure your insurance covers
  off-road travel.

9
Personal accident benefit cover for driver and
passengers

• This is an add on to the basic policy. An extra
  amount needs to be paid along with the premium.
  This helps in case of death, permanent or partial
  disability etc.

10
Insured against damages to the windscreen

• Some comprehensive insurance policies cover and
  do not charge extra premium for the windscreen.
  You have got to check if your policy takes care
  of this.

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Are you covered from natural disasters?

• Storms, riots, earthquakes, floods are some of
  the natural disasters that your coverage should
  include.

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Thank you