Auto Insurance in Dubai

Having your vehicle insured is a must. The road is not a safe place and collisions can happen anytime. It doesn’t matter if you are a good driver or not. Dubai has a good road network with 8 and 10 lane highways but the road accident toll in Dubai is pretty high. Most people living in Dubai have access to powerful expensive and fast cars and the good road system gives every driver the ability to drive them real fast.

According to Traffic Department in UAE, Dubai had over a thousand accident cases a year and it involve huge damages to vehicles or even death to passengers. Traffic related deaths alone in Dubai averages 150 a year therefore having good auto insurance is a must for everyone living in Dubai whether you are an expat or a citizen. There is several car insurance in Dubai to choose from. Auto insurance can cover some items such as; medical payments for the insured party, physical damage for the insured vehicle, third parties such as: car & people, property damage and bodily injury, third party such as fire and theft, and there’s also no fault insurance where coverage for injuries to persons riding in the insured vehicle is available without regard to fault in the accident.

When buying car insurance in Dubai, it is better to have a broker so that you can get a good deal and you get the most out of your money. If you are migrating to Dubai, there are few things that you should know; driving in Dubai is on the right-hand side just like in UK. Dubai has very impressive road system that connects all parts of the city and surrounding areas. Bur Dubai and Deira are linked by two bridges and a tunnel on either side of the creek. Sheikh Zayed Rd is a 4-lane highway that heads southwards from the city to Abu Dhabi.

When renting a vehicle, check the agreement and see if the car has insurance and covers the basic essentials. If you already have car insurance in Dubai but will rent a vehicle for a while, consult with your insurance broker on additional holiday hire insurance policies. Always make sure that collision and damage insurance and personal accident insurance are included when renting a vehicle to avoid any hassle that may arise in case you are in a road accident.

Driving in Dubai can be compared to Talladega nights, its more like a survival of the fittest giving you adrenalin rush day after day. Like anywhere in the world, there is several car insurance in Dubai to choose from. If you have a luxury car, expect to pay more for insurance. For some reason Nissan Maxima cars are hard to insure so if you are going to buy one, find out first if you can get it insured. Even if your insurance policy covers your vehicle for off-road driving, don’t expect it to apply if you damaged your two wheel drive car while dune-bashing in the sands. You should know that you cannot register your car if you haven’t bought insurance for it yet. In Dubai, a car can be insured first before registering it.

Car insurance in Dubai has four types: TPFT (third party, fire & theft), Comprehensive or fully comprehensive, comprehensive with options, and comprehensive-premium level. You can always try negotiating with the insurance company. Look for insurance brokers that can give you a good deal. Make sure that you get a broker that is very organized because you would rely on them to send you policy renewals and deal with the accident claims.

Before you drive in Dubai, you have to be familiar with their traffic rules and if you came from a country where you are used to driving on the left side, you have to familiar yourself on driving on the right side.

Driving is fun and it gives us the freedom to go wherever we want to in the comfort of our own vehicle, but that freedom comes with a price. You have to be very cautious and learn to be a defensive driver. Auto insurance will only reimburse the money you lost in the accident but it can never reimburse the life that was lost in it.

There are careless drivers anywhere and not to mention those who drink and drive. There is not much you can do if these careless drivers would collide with you and you didn’t have enough time to avoid them. Many would drive in the pouring rain at a speed of 120-140kph and would flash their lights on you and some don’t even use headlights. Having auto insurance will surely give you peace of mind but it would also help if you are driving defensively.