Owning A Car In Dubai
The past decade that has gone by has seen the insurance industry in Dubai grow as rapidly as the city itself. A number of new companies dealing in insurance have been set up in Dubai, which are mostly locally owned and are small business enterprises. These companies cater and fulfill the insurance demands of the local and also expatriate population of the city. Insurance policies that are followed in Dubai are quite similar to those that exist in the West. Insurance covers are of various kinds and among them, car insurance is one of the most common types of insurance that is demanded by the car owners and offered by the insurance firms.
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
Collision caused physical damage , Damage to property , Medical expenses , Bodily injury cover
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 benefits that you can on insuring your car in Dubai are as follows
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
Car insurance in Dubai besides being a legal requirement is also beneficial in itself to the insured as it provides a cheap and easy way of covering losses in case of damage involving your car. Otherwise, all the damage costs would have to be borne from your personal account making your finances go haywire.
The types of car insurance available in Dubai include:
Comprehensive with options , Comprehensive premium level , Comprehensive and Fully Comprehensive , Third party, Theft & Fire
It is always advised to one to search a good number of automobile insurance companies and seek personal opinions about them before selecting any one of them. This is to help you select the company which provides the highest degree of customer satisfaction and service. Insurance is pretty expensive in case of drivers and males to be more specific who are below the age of 25, luxury cars and cars that are more than 5 years old, and such insurance covers are also hard to find. Also remember that drinking driving and crashing does not warrant any insurance cover.
If you are looking for cheaper insurance deals, go to an insurance broker. The service is also provided by many banks in Dubai. Negotiation is also possible with the insurance companies. For expatriates, those who present an original no claims bonus certificate get a discount which rises from 0% and goes up to 40% on their car insurance policies.
The best way to go around searching for a cheaper car insurance policy is to shop around a lot. Also go for policies which exclude what you might not require. Also your insurers must be kept up to date with all your information. Another aspect is pay the premium annually, get yourself a garage and search and buy insurance policies online you get a good deal.
So if you intend to be driving legally in the city of Dubai, then better get your car insured. - 21392
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
Collision caused physical damage , Damage to property , Medical expenses , Bodily injury cover
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 benefits that you can on insuring your car in Dubai are as follows
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
Car insurance in Dubai besides being a legal requirement is also beneficial in itself to the insured as it provides a cheap and easy way of covering losses in case of damage involving your car. Otherwise, all the damage costs would have to be borne from your personal account making your finances go haywire.
The types of car insurance available in Dubai include:
Comprehensive with options , Comprehensive premium level , Comprehensive and Fully Comprehensive , Third party, Theft & Fire
It is always advised to one to search a good number of automobile insurance companies and seek personal opinions about them before selecting any one of them. This is to help you select the company which provides the highest degree of customer satisfaction and service. Insurance is pretty expensive in case of drivers and males to be more specific who are below the age of 25, luxury cars and cars that are more than 5 years old, and such insurance covers are also hard to find. Also remember that drinking driving and crashing does not warrant any insurance cover.
If you are looking for cheaper insurance deals, go to an insurance broker. The service is also provided by many banks in Dubai. Negotiation is also possible with the insurance companies. For expatriates, those who present an original no claims bonus certificate get a discount which rises from 0% and goes up to 40% on their car insurance policies.
The best way to go around searching for a cheaper car insurance policy is to shop around a lot. Also go for policies which exclude what you might not require. Also your insurers must be kept up to date with all your information. Another aspect is pay the premium annually, get yourself a garage and search and buy insurance policies online you get a good deal.
So if you intend to be driving legally in the city of Dubai, then better get your car insured. - 21392
About the Author:
Looking to find the best offers on Dubai car insurance, then take a look at Andy Ba's web site to find the best advice on car insurance in Dubai UAE for you.
posted by X - Men @ 2:31 AM
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