Car Insurance – UAE

When you, or closed person or family member or partner owns a car, you/they do everything to ensure your car from anything that could harm it from any kind of an uncertainty, and we know there is no end to the list of uncertainties. To calm our senses about any kind of apprehensions about our car, let us try to understand what Car Insurance is.

Why do we need car insurance?

Car Insurance helps your car by providing protection from any unforeseen risks. It basically provides protection from any loss incurred as a result of unavoidable instances. It provides insurance cover against theft and financial loss caused due to an accident or any subsequent liability. Car insurance covers you with a premium for any loss, which will help get your car back as new.

Types of Car Insurance Policies

• Comprehensive Car Insurance This insurance covers your car from damages caused due to theft or fire or due to an accident. This insurance won’t pay out for any amount if your car gets damaged due to a bump.

• Third Party Insurance This policy helps cover damage caused to the third party by your car. This insurance is one of the mandatory insurance as per the UAE law. This insurance won’t pay for any damages to your car.

After getting to know various points related to different types of car insurance and how to select the right car insurance for your car, now let’s look into the top 10 car insurance policies available for you in the market.

Noor Takaful Car Insurance

This insurance provides well covered plan for any damage or loss to you and your car. Noor Takaful provides you both comprehensive and third party insurance, with comprehensive being more popular amongst the customers. This insurance can be claimed in three ways, and to know more about it please visit the website of Noor Takaful.

Noor Takaful car insurance provides the following benefits with its insurance

• Provides cover for loss or damage to your car
• 24/7 roadside assistance
• Emergency medical expenses
• Insurance for personal belongings
• New Car replacement
• Valet Parking cover
• Off-road cover
• Emergency medical expenses
• Oman Extension
• Waiver of excess for windscreen damage
• Standard agency repair

To know more you can visit the website Noor Takaful Car Insurance

AXA Car Insurance

AXA life insurance is known to be one of the top most insurance brands in UAE and has been ranked number 1 global insurance brand around the world. You can avail 10% discount on the insurance if you avail it online. AXA Car Insurance also provides both comprehensive car insurance and Third Party Car Insurance. You can submit your claim by filling out a form on their website or calling AXA’s customer care on 800 AXA (292).

Following are the benefits that you can avail with this insurance

• Coverage of the cost of the car
• Option to repair at dealer/agency or with any of the AXA garages.
• You can get your RTA inspection done by AXA Insurance on your behalf
• You can avail pick up and drop off service to the location, where you want to drop your vehicle for repair, with AXA.
• You can avail 24/7 roadside assistance with this insurance
• Avail off-road cover with this insurance
• Avail Oman extension cover for all the road trips to Oman.
• You can also avail fire and theft cover as and when required.
• Also, avail an optional GCC cover with this insurance.

• Avail insurance for your personal belongings, while traveling by your car with this insurance.

To know more you can visit the website AXA Car Insurance

Oman Insurance Company

Oman Insurance company has an experience of over 25 years of providing motor insurance products to their customers in Dubai and other states in Emirates. Oman Insurance company is known to provide insurance to both commercial and private vehicles. Oman Insurance company provides insurance for both third party liability and loss and damage.

Following are the benefits that you can avail when you get car insurance from Oman Insurance Company

• You can avail personal accident cover for both passengers and driver up to Dh. 200000/-
• You can get a cover for third party damage for an amount of up to Dh. 3500000/-
• You get emergency medical expenses of Dh. 5000/- for each individual.
• Get Windscreen cover up to an amount of Dh. 3500/-
• 24 hours roadside assistance.
• Personal effects for an amount of up to Dh. 2500/-
• Get agency repair services with this insurance.
• This insurance provides an extension for the whole Sultanate of Oman for private vehicles.
• Get protection during the occurrence of any natural disaster.

You can avail motor claims from three major branches of Oman Insurance company and get RTA online facility with any agent of the company. To know more, please visit the website Oman Car Insurance.

Damage or loss to the insured vehicle includes

• Collision or overturning.
• Theft or burglary.
• Fire
• Pernicious act of any third party.

Third party liability insurance includes

• Any death or injury to any person, including passengers in the vehicle except the insured or the driver at the time of the accident.

• Avail cover for damages for property and materials except those owned by the insured or the driver.

Abu Dhabi National Cover Takaful provides the following benefits to its customers with its insurance

• Cover for thirteen months without paying any extra premium.
• Free roadside assistance.
• Get free Mechanical breakdown in towing service
• Get free battery boosting
• Get free Flat tire Fixing
• Get free Fuel delivery
• Avail protection for personal items in the car against Fire and Theft
• Avail free car for rent for 24 hours in Conjunction with an accident
• Get free Emergency Roadside Assist
• Get free emergency Medical Expenses
• You can get your agency Repair extension up to 3 years subject to no claims of previous years
• No Claim Discounts.

To know more about Abu Dhabi Takaful insurance, you can visit the website Abu Dhabi National Takaful

The loss or damage includes the following

• By self ignition, external explosion, lightning and fire.
• By theft or burglary.
• By any pernicious act of any third party.
• By any consequent wear and tear or any mechanical breakdown
• While traveling via inland waterway, railway, road, lift or elevator or any other other transportation.

Third Party liability includes the following points to be considered for the insurance claim

• The company will compensate the insured in the event of an accident caused by his motor vehicle, which will be subjected to the limits specified in this policy.
• Death or an injury to any person including the passengers in the vehicles except the insured or the driver at the time of the accident and their families that include their spouse, parents and children and the employees of the insured.
• Damages for materials and property, except those owned by the insured or the driver at the time of the accident or property held in trust or in their custody or control.

To know more, visit the website Salama Car Insurance

Tokio Marine motor Insurance

This insurance provides you the following benefits for your car insurance with this company

• Avail ‘3 years agency repair’ with this insurance.
• Get covered during any natural calamity like an earthquake.
• Avail third party liability of up to Dh. 5 Million
• Third party liability can be extended to non owned and non hired vehicles as well.
• This insurance covers legal liability fees, free of charge.
• This insurance covers your car, even when it is driven by an unauthorized driver.
• Avail personal accident benefit cover.
• For small claims, you can get your vehicle repaired in the garage of your choice.

• Off road cover and Oman coverage.

To know more about Tokio Motor insurance, you can visit the website Tokio Car Insurance