Dubai Car Insurance

Posted by On October 09, 2016 1 Comment

Traveling has been tough issue throughout history, while in current era where traveling means has been changed. Own car or any other traveling source is a real luxury and specifically Emirate like Dubai. Personal car is necessary and even vital because traveling takes a large portion of your valuable time. However, there are so many things are needed for driving your own car. Besides, car, driving license you must have a car insurance in Dubai before driving in this city. No matter you have branded car or used one, but all vehicles requires car insurance from a reputable insurance company. Dubai has so many insurance companies which have different insurance plan and facilities. However, it is necessary that before buying insurance for your car you have to compare insurance benefits with other available companies.

In United Arab Emirates there are hundreds of insurance agencies and all have attractive plan and insurance policies. Similarly, beside insurance companies banks and brokers also provide this service of insurance. So it is important to understand the insurance policies, conditions and benefits before purchasing an insurance policy for your vehicle. Car insurance policy must provide wide range of coverage and it should have a clear insurance policy without hidden conditions. Dubai traffic rule are tough for locals and foreigners so it is compulsory that you must have your car insurance. Dubai is an advance emirate and it is business hub in Gulf that is why there are different types of insurance companies those having different insurance plans.
Dubai Car InsuranceDubai most prominent insurance policy is comprehensive insurance and this car insurance policy provides your and other car insurance in an accident. This insurance policy provides dual coverage that is why this insurance policy is costly as compared to other insurance policies. The main features of this insurance policy are provides coverage against accident, fire, stealing, or wicked acts. Third party liability insurance policy only provides insurance to other car and passengers in an accident. Although this insurance policy cost less insurance premium, but it will not pay your own car damage. In United Arab Emirates mostly banks do not encourage this type of third party liability insurance and then owner have to buy comprehensive insurance. Third party liability insurance is a good car insurance policy, but in some cases because it does not offer a full damage coverage.

Car or vehicle insurance premium is estimated through different calculation like years, model or brand of car, capacity of engine, claims history and driver profile. Besides, this one important factor is less driving experience of driver will affect car insurance cost or premium. However, in case of experienced or older driver cause less premium or cost of insurance policy. Similarly, branded car having best safety cost less premium and expensive car cause more premium. If you have an insurance policy for your car and you want to change this then gets a “No Claims” Certificate from insurance company and get discount in new insurance policy for new car. Good insurance companies in Dubai also provide roadside assistance, but check it before purchasing an insurance policy for your vehicle. It is important to confirm the conditions and instruction of the insurance policy from its outlet or head office.

Documents required for insurance policy in Dubai

Insurance policy means any kind of car insurance policy demands so basic or fundamental documents for this process. These documents are required by the insurance company for identification and driving experience of owner. So the following documents are vital for this insurance process.
1. Attested copy of owner driving license.
2. Copies of visa and passport pages.
3. Vehicle registration card copy and it is branded then the pro-forma invoice.

Dubai top ranked car insurance companies list with contacts phone numbers and postal addresses.

  1. Abu Dhabi National Insurance Company
    Contact: +971-2-408-0100 ABD: ADNIC
    Sultan Bin Zayed the First Street, Abu Dhabi, UAE
  2. Al Hamed Enterprises
    Contact: +971-2-667-5555
  3. Al Khazna Insurance Company, UAE
    Contact: +971-2-696-9700 ABD: AKIC
    Al R’Doum Street, Abu Dhabi, UAE
  4. Alliance Insurance
    Contact: +971-4-605-1111
    Warba Centre, Deira, Dubai, UAE
  5. Dubai National Insurance and Reinsurance
    Contact: +971-4-295-6700
    Deira, Dubai, UAE
  6. Emirates Insurance Company
    Contact: +971-2-644-0400 ABD:EIC
    Tourist Club Area, Abu Dhabi, UAE
  7. Metlife
    Contact: +971-4-368-7555
    The Gate Building, Dubai International Financial Centre, UAE
  8. National General Insurance
    Contact: +971-4-2222-772
    Baniyas Street, Dubai, UAE
  9. Oman Insurance Company
    Contact: 800-4746
    Al Maktoum Building, Dubai, UAE

10. RSA Group
Contact: +971-4-302-9800
Office Court Building, Oud Metha Road, Dubai, UAE