Insuring Your Car In Dubai Is A Must!

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.

Car insurance protects the insured party from losses involving the usage of their vehicle. The different types of coverage that is available and may be bought includes Medical payments

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

Personal insurance policies, of which car insurance is a type, are meant to meet your daily needs and requirements. Also, you need to get your car insured first, if you are to get it registered and be able to drive in Dubai. Therefore one must get at least a third party cover for the car as a legal requirement. There are a number of third party brokers in Dubai who you may go to. However, it is the car and not driver that is insured in such cases.

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 4% to 7% 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.

The various advantages attained as a result of insuring your car in Dubai are

An off road cover for your car , Guaranteed repairs for your car. , 24X7 accident and recovery service , A simple and easy to go through procedure , Family members get a third party cover , Emergency medical expenses , Personal injury cover for the driver , And also optional insurance covers for an additional amount

Insurance besides being a legal requirement in Dubai is also the simplest way for people to cover for losses as a result of vehicle damage. Thus in case of absence of a proper insurance policy for your car, you run the risk of having to bear the entire cost in case of any damage caused to others or your car.

Car insurance types available in Dubai are:

Third party, Theft & Fire also known as TPFT, Comprehensive and Fully Comprehensive , Comprehensive with options , Comprehensive premium level

One should always go through a long list of car insurance companies before settling for any one. Also seek personal opinions about that company from others. This is so that the company you select is the one which gives the maximum level of satisfaction and customer services. Also note that luxury cars, cars that are 5 years old or more, and people below 25 especially males find it hard to get a car insurance for themselves and if they do, then it comes pretty expensive I.e. it will cost you more than the usual insurance rates. Most importantly, driving you car after drinking and then crashing it means no insurance benefits for you.

An insurance broker is one person who can help in getting an affordable and cheap car insurance deal. Quite a few banks too in Dubai provide such brokerage services. You can also negotiate a cheaper deal with your insurance company and in case of an expatriate avail an almost 40% discount on the actual amount on presenting an original no claims bonus certificate.

The best process is to shop around for best bargains including looking on the internet. Also look for policies which do not include what you do not require. Pay the premium annually and get a garage for your car. Another thing is to inform and keep your insurance agent updated with all your latest information.

After all, for a legal drive in Dubai, an insured car is necessary.

Looking to find out more about having a Dubai vehicle, then visit Dubai-BB.com where you can find the right auto insurance plans in Dubai for your needs.

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