Automotive

Car Insurance in Dubai – Tips for Saving Money on Insurance Costs

Car insurance in Dubai is a kind of comprehensive insurance which works closely with the car itself to protect you, your passengers and the car itself from monetary loss and damages incurred in an unfortunate accident. In general, you pay a fixed annual premium for car insurance in Dubai according to the agreed rate. There are many types of car insurance in Dubai, all based on the needs and policies of the drivers in Dubai as well as the vehicles. Dubai’s car insurance industry is one of the most competitive and the largest in the world. This is because car insurance in Dubai protects you against major financial liabilities.

Why Should you Need Car Insurance?

You may be driving on roads with dangerous or strange conditions. At such times you may require the services of a Dubai towing assistance. There are certain companies which provide emergency services in Dubai like tow trucks and drivers who can take care of your car in any part of the city. If you need to get your car repaired in another part of the city, you should make sure that you contact your insurance provider before heading for your repair place. In case you are in Dubai, you won’t have any problems in getting help and support from your insurance provider.

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To protect your vehicles

For individuals living in Dubai, they should purchase comprehensive insurance which covers both personal injury and property damage due to theft, fire and storm. It also covers the damages to any individual’s property caused by you due to accidents and thefts. In case you are traveling around the city, then you should opt for the ‘smoke’ cover which is compulsory for all drivers. This kind of cover protects you from the hazards of fire, theft and storm damage.

Choose the best insurance

The other insurance policy which you should consider purchasing is the ‘Oman Insurance Company’ policy. This policy is one of the most famous brands of vehicles and their car insurance in Dubai is no different from other parts of the globe. The company offers great coverage with regards to vehicle theft and damage. The only point of caution that you need to remember is to ensure that you have an Egyptian license when traveling to the emirate. The company also offers accident cover which is inclusive of medical fees and legal costs.

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The Oman Insurance Company also offers insurance coverage for medical expenses and lost income due to accidents. You can purchase full coverage or just basic coverage as per your needs. However, you should note that there are some insurance companies which do not require you to purchase comprehensive coverage. Some insurance companies will offer you cheaper premiums for just basic insurance. It would be better to check with your family physician first so that he/she can guide you properly in choosing the most suitable policy for your needs.

In addition,

The coverage provided by the company includes bodily injury and property damage due to accidents. It can also provide coverage for injuries caused by self-harm and intentional killing. In addition, the company can also provide financial assistance to families of those who have been unemployed due to a job loss. However, you should also note that the additional benefits provided by the insurance company are dependent on the type of contract you have with them.

If you want to enjoy cheaper premiums, then you should go for the third-party insurance policy. This type of coverage does not offer as much coverage as the comprehensive insurance but it comes highly recommended because it covers more than just accidents. It will also cover damages to your vehicle from fire, theft or natural disasters. This means that if you travel to certain areas in the emirate and if you do not have a comprehensive insurance, you can benefit from the additional benefits of the third-party insurance policy.

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Supposition

If you own a new vehicle in Dubai, you should go for the insurance prices offered by the oil company. There is no set price for the premium as such, the company will charge a particular amount based on the model and the age of your vehicle. However, you must keep in mind that even older vehicles will attract higher insurance prices. Also, you can contact your insurance company to find out whether they have special discounts for drivers who have acquired their license after a certain period of time.

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