Getting a new car? Have you thought about getting it covered? Buying car insurance in Dubai can be an overwhelming experience, especially for first-time car owners.
While exploring multiple options, you also need to understand everything from legal requirements to selecting the right coverage. However, by understanding a few key points, you can easily find the right insurance, whether you are buying a luxury vehicle or a budget-friendly car! Read on to know more!
How Can You Buy Car Insurance in Dubai Step-by-Step?
Stage 1: The Need Arises
You need to buy new car insurance in Dubai even before you take your brand new or used car out of the showroom. A motor insurance policy is a legal requirement in Dubai and across the UAE. But, should you buy the first policy you find? Or should you look around for options?
Stage 2: Determine the Right Car Insurance Policy
Experts always say that you shouldn’t buy the first policy you see. Rather, take out time to understand what works best for you.
In the UAE, you can find 2 types of insurance for cars:
- Third-party Car Insurance: If you are buying a used car or a budget vehicle, you can go for this policy. It covers only third-party vehicles, properties, and people. However, note that you would need to pay for the repairs to your vehicle yourself.
- Comprehensive Car Insurance: This is more of a holistic plan that you can get if you buy a brand-new vehicle, a luxury vehicle, or a vintage car. This type of Dubai car insurance covers both third-party liabilities and damage to your own vehicle.
Understand the difference between the two before making a choice. Do proper research!
Stage 3: Get Motor Insurance Quotes
Once you’ve decided on which type of insurance to buy, get motor insurance quotes. You can get them either offline or online. While offline is a pretty traditional choice, you can easily get online quotes in a matter of a few minutes. There are websites like Policybazaar.ae that offer you online quotes from leading providers in the UAE under one roof.
Stage 4: Compare Policies from Car Insurance Companies in Dubai
Once you get quotes, compare them for benefits, premiums, and excess amount. You can also consider comparing the add-ons available under different policies.
Some popular add-ons you can find are:
- Personal accident cover for the driver and the passengers
- Natural disaster cover
- Car rental services
- Oman extension cover
- Roadside assistance
Stage 5: Buy Car Insurance
Once you have compared the plans and chosen the best car insurance in Dubai, proceed to buy motor insurance! You can make an online purchase on Policybazaar.ae. Just make sure you upload the required documents.
- Emirates ID
- Valid driving licence
- Vehicle registration card
- Letter specifying the vehicle is GCC-specific
Ensure that you recheck the details before finalising the payment. The whole process will take a few minutes.
Note – Don’t just go for the cheapest car insurance in Dubai. Compare the plans for coverage and excess, too.
Stage 6: Review the Insurance Copy and Ensure Timely Renewal
Once you have bought the policy, keep a digital copy of the same and review it thoroughly.
Check the copy for:
- Coverage dates
- Inclusions and exclusions
- Renewal process
- Claim process
Make sure to renew the policy on time when the time comes. This way, you get accrued benefits on the claim-free years.
In a Nutshell
To buy car insurance in Dubai, first understand that it’s a legal requirement. Choose between third-party or comprehensive insurance based on your car’s value. Next, get motor insurance quotes online or offline and compare policies for benefits and premiums.
After selecting a plan, purchase it online and upload the necessary documents. Finally, review your insurance details and remember to renew on time for claim benefits.
