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Along with the city of Dubai its insurance industry to has been growing at a rapid rate over the last few years. There are a number of insurance companies present in Dubai, most of which are small and local enterprises, catering to the needs of the residents as well as visitors to the city. The insurance policies followed in Dubai are similar to those in the Western Countries. Car insurance happens to be among the most common insurance policies that are offered by the insurance agencies.

Insurance covers you from all kinds of losses relating to your car. Kinds of coverages that are available are

Property damage , Medical payments , Physical damage due to collision , Bodily injury coverage

All personal insurance covers, which include car insurance, are means to fulfilling are daily needs. If you wish to drive your own car in Dubai, you first need to get it insured for only then can you get it registered in Dubai. As such, as least a third party insurance cover is a legal requirement for your car in Dubai. For this, you may get in touch with any one of the numerous third party brokers that are there in Dubai. But keep in mind that the car and not the driver are insured in this case.

The insurance amount and premium in Dubai is calculated according to the make and model of the car that is bought and is usually made available at the showroom itself. All the insurers look at are the usual stuff such as manufacture year of the car and its price and chassis number. A rate of 3% to 6% is considered to be a good deal. Before you decide to go for any insurance cover, make sure to find out the cost and premium amount of the insurance cover that you are going for.

Insuring your car fetches you a lot of benefits in Dubai which are

Accident and recovery service 24X7, Third party cover for family members, Driver gets a personal injury cover , Repairs guaranteed A fairly simple and easy procedure , Off road cover , Medical expenses in emergency cases , Additional optional covers for a small amount of extra premium.

Car insurance in Dubai besides being a legal requirement is also beneficial in itself to the insured as it provides a cheap and easy way of covering losses in case of damage involving your car. Otherwise, all the damage costs would have to be borne from your personal account making your finances go haywire.

The types of car insurance available in Dubai include:

Comprehensive with options , Comprehensive premium level , Comprehensive and Fully Comprehensive , Third party, Theft & Fire

Although car insurance companies are in plenty in Dubai, it is advisable to ask around for personal opinions while looking for an automobile insurer. This is because there is always a difference in the levels of satisfaction and customer service provided by these companies. Also, finding insurance in Dubai is a pretty difficult proposition for cars that are older than 5 years, drivers and especially males under the age of 25 and sports & luxury cars. As such getting those insured costs more than a usual car insurance policy. Another important point is that drinking driving and crashing results in zero insurance cover.

For a person looking for cheaper deals, visiting an insurance broker is a good idea. Many banks too provide brokerage service in Dubai. Also, one can look to bargain and negotiate with insurance companies for cheaper deals. For an overseas person get a no claims bonus certificate that is original. This is because these certificates fetch a discount of 0% to 40% on the original rate in Dubai.

The best way to go around searching for a cheaper car insurance policy is to shop around a lot. Also go for policies which exclude what you might not require. Also your insurers must be kept up to date with all your information. Another aspect is pay the premium annually, get yourself a garage and search and buy insurance policies online you get a good deal.

So if you intend to be driving legally in the city of Dubai, then better get your car insured.

Find out more about having a car in Dubai. Stop by Andrew’s web site where you can learn all about buying a car and vehicle insurance companies in UAE Dubai and what they can do for you.

categories: car insurance,Dubai,UAE,insurance,auto,cars

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