Automotive

3 Factors Determining the Best Car Insurance in Dubai

When it comes to picking out the best car insurance in Dubai, you have to consider several factors. A car insurance policy is all about protection for your investment. It should offer cover for any damage that may be inflicted on your vehicle, the third parties involved during an accident and also your belongings, whilst you’re parked. So, the first step in finding the best car insurance in Dubai is to find out what types of coverage are available from your chosen insurance company.

Insurance plans in Dubai

When you speak of good third-party liability car insurance plans in Dubai, you can’t do without AXA. Arguably among the largest insurers in the country and the globe, AXA also offers car insurance plans with an off-road cover and RTA repairs among many other added benefits. The biggest disadvantage of buying a third-party liability car insurance plan is that you won’t be able to avail of third-party medical coverage. This may not prove to be a problem, however, as medical expenses incurred due to accidents will be borne by the company.

Roadside assistance is another important aspect to look into when searching for the best car insurance in Dubai. There are several service providers that offer roadside assistance services in Dubai. These include recovery services, emergency vehicle repair and service and tow assistance, towing services. All these services are provided for free of charge. However, if you want to avail of these benefits, you need to make sure that the company you choose has a valid license and is registered with the government.

A car insurance plan with no deductible is another one to consider. In other words, you can drive your expensive automobile without having to worry about paying any form of deductible. If you have an insured vehicle with a high enough deductible, then you will be able to drive your car without worrying about how much the cost of damages would be. The higher the amount of the deductible, the lower the premium that you will have to pay on a monthly basis.

Third party liability coverage

Another thing to consider is the extent of third party liability coverage offered by the Dubai authorities. The law in Dubai clearly states that no personal or public property of any individual shall be used as security for another person. As a matter of fact, in case of an accident, the driver of the offending vehicle will be liable for the damages caused to the other party’s vehicle. For this reason, it is essential that you purchase an insurance policy that provides full and adequate coverage for the damages incurred by the other vehicle.

The level of third-party liability claims that you will be covered for depends on the rating of your Dubai car insurance plan. A high rated plan will provide you with complete coverage for all types of third-party liability claims. A high rated plan will also have no-claim bonus. This basically means that you will be covered for all damage that is incurred by your car, irrespective of whether it was caused by the negligence or fault of the other driver.

The third aspect that you need to consider while purchasing a car insurance plan in Dubai is the level of accident assistance available. In the emirate, there are some highly advanced accident reporting and roadside assistance services that are operated by the insurance companies. These companies will be in a position to assist you when you meet with any type of accident. In addition to this, if you are in need of any kind of accident assistance, then you can opt for this service as well. This means that you can call up your Dubai car insurance company and they will send help your way immediately.

Wind-Up

Car insurance plans in the country of UAE are affordable. If you are able to find a good insurance plan at a reasonable rate, then you will be able to secure yourself a good deal. However, before you decide upon a plan, you must consider all factors such as age, experience, driving record, car model etc. A thorough research is recommended so that you can find a good plan that suits your needs and budget.

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