If you want to drive a car in the UAE, you will need to have Car Insurance. Car insurance, also called motor insurance, protects you if you are involved in a collision or injure someone or damage their property. It will also protect you if your vehicle is damaged by fire or if it’s stolen.
Every Insurer has different benefits within their motor policy, even though there are only two types of cover available. We make it easier for you to find the one that suits you and your vehicle.
As the name suggests – this is the broadest level of cover. It includes accident damage, fire and theft to your own vehicle and will pay compensation to a third-party if you kill or injure someone else or damage their property. The cover extends to anyone driving your car.
As the name suggests – this is the broadest level of cover. It includes accident damage, fire and theft to your own vehicle and will pay compensation to a third-party if you kill or injure someone else or damage their property. The cover extends to anyone driving your car.
Hire car/Cash Benefit for up to ten days in the event of accident if your car needs repairs.
Covers the cost of repairing or replacing the windscreen if broken or damaged.
Damage to Third Party Property coverage can be enhanced to AED 5,000,000.
Coverage for cost of ambulance service incurred, following a traffic accident to the Insured Vehicle.
Offers the option to extend agency repair coverage for up to five years (subject to previous loss record).
Extends territorial coverage to the Gulf Cooperation Council (GCC) states
Specifically extends territorial coverage to the Sultanate of Oman.
Covers medical expenses (up to specified limit) incurred by the driver/passengers within 24 hours of an accident.
Brand new replacement model or the purchase value of the vehicle, if the ‘total loss’ declared vehicle is less than 6 months old.
Coverage for loss or damage to the insured vehicle due to riot, strike and civil commotion.
Offers accident/breakdown recovery services including Vehicle Towing, Battery Boost, Lock Out, Emergency Fuel Delivery, Flat Tyre Service, Off Road Assistance etc.
Provides financial compensation if the driver or passenger dies or sustains a physical injury in the event of an accident, up to AED 200,000 per person insured.
Covers the cost of replacing the locks in case your car keys or lock transmitter are lost or stolen.
Covers loss of or damage to the vehicle while being driven off road.
Covers theft to the Insured Vehicle while in the custody or control of Hotels or Shopping Malls.
A premium discount which rewards you for not making a claim. A no claims discount adds up overtime and the more years you go without making a claim, the higher the discount you can get on your insurance premium.
Pays you for the value of loss or damage caused to personal belongings by fire, theft or accident while the belongings are in your insured Vehicle.
Pays for resulting damage as a result of flood, storm, typhoon, cyclone, hurricane, earthquake or other convulsions of nature.
You will have to provide some basic information about yourself as well as your vehicle, to enable us to provide you with accurate car insurance quotes.
Quickly find out if we’ve already addressed your query.
A comprehensive insurance policy covers you against loss, damage and third-party liability.
You are also protected against:
Due to the large number of accidents on the roads, we always advise our customers to opt for the comprehensive car insurance policy. Request a quote for your car today.
This is the basic coverage that is mandatory as per the UAE law. Third-party liability covers you against:
More importantly, this policy does not cover any damage or loss to your own vehicle.
A number of factors are used to calculate your insurance premium. Some of these are:
A no-claims discount (NCD) also known as a no-claims bonus (NCB), is a premium discount which rewards you for not making a claim.
Yes, you can take your NCD with you if you move to a different insurance company. You can also move it to another car if you buy a new one.
If the cover is opted, most insurers offer protection against ‘own damage’ – i.e. damage to your car occurring in Oman. However, with this sort of cover, you’re not insured for third-party damage, which should be purchased separately or at the border.
The excess or deductible is the customer contribution made at the time of non-recoverable claim(s) due to an accident. Non-recoverable motor claims usually occur when an accident is caused by the insurance policy holder.
If you have selected Agency Repairs coverage then your vehicle will be repaired at the vehicle’s authorized dealership. Otherwise, Insurers will select one of their Approved Garages for the repair.
You can cancel the policy in the event of either selling the vehicle or exporting the vehicle. Documents we require are either Number Plate Certificate, De-registration of vehicle or the new registration card from the buyer. Once we have these documents, and subject to there being no claim reported against the policy, the cancellation request will be processed with Insurers and a refund will be given to you.
We do provide insurance for these vehicles but it is on a referral basis only and has to be approved by Insurers.
In order to make a claim, first you need to make sure you have all the necessary documents: original police report, copy of the vehicle’s registration card and copy of your driver’s license. Then you may contact us or the Insurer’s Call Centre Number appearing on your policy and provide them with the details. You will be advised on the next steps forward.
Answer a few questions to help us point you in the right direction for a better deal on your insurance.
Edge Insurance Brokers is an independent insurance brokerage created to be one with a difference that will afford clients with added value in return for their confidence and long-term allegiance. Our expertise in every facet of risk and across different industries help our clients foresee, quantify, and better comprehend the range of risks they may face.
Head Office
Office no. 704, 7th Floor, Al Naeem Tower II, Al Jezaa St., Al Nakheel, Ras Al Khaimah
Sun to Thurs (8am-5pm)
+971 7 244 4458
info@edgeinsbrokers.com
