We know that getting car insurance is mandatory in the UAE. We also know that the best place to get cheap car insurance in the UAE is here.


But what about the finer details? Do we know them all well? Ask and you shall see that most people are unaware of a lot many trivial particulars relating to their car insurance, which can, in fact, go a long way in securing them a good deal – both in terms of price and benefits. So, even if you are a know-it-all (or not), it doesn’t hurt to go through the following listicle and refresh your car insurance trivia.

Your Car Might not be Covered

If you have third-party liability insurance, might we remind you that you are not covered? Sure, it is a cheaper and hence more affordable option, but then hey! in the event of you ever being responsible for causing an accident, it is only the third-party and not you who is insured. Damages to your car will have to be paid out of your pocket.

Your Age Matters

Not so surprisingly, people under the age of 25 usually have to pay more to get their car insured. According to UAE law, drivers that are below the age of 25 also have to pay 10% of the total damage if they cause an accident. This rule even applies if the car is registered and insured with another person that is more than 25 years old.

You Can Save Money by Comparing Policies

Buying your car insurance policy is perhaps like buying jewelry. It requires a lot of research and mindfulness on the part of the buyer.

Be sure to compare quotes across different providers to find the one that suits your needs the best. Also, when you are renewing your policy, much as it would seem, it is not always a wise thing to continue with the same provider. This is because insurance companies often keep changing their rates to improve their profitability. Hence, the rates that they might have offered you last year, may not be the same as what they can offer this year. Therefore, at the time of renewal, you must redo the research and look for the best available options that match your exact needs and budget.

You can Ask for Roadside Assistance

This is an add-on that you must certainly ask for, if you don’t want to be stranded in the middle of nowhere, that is. Simply make a call in case your car breaks down or runs out of fuel and they will send someone to help you.

Your Policy can be Expanded to Cover Other GCC Countries

If you’re a road-tripper, a frequent traveler, you might want to look into this. Not all insurance policies keep you under their umbrella if you step out of your country, but you can choose a car insurance policy that provides coverage across neighboring countries or even the entire GCC.

You can Leverage a No Claims Certificate to Save Hundreds of Dirhams

Very few policyholders request a ‘No Claims Certificate’ from their insurance provider. If you haven’t made any claims, then you can provide this certificate when you buy a new insurance policy with a different company to get a discount. You can easily save up to 30% on your insurance by doing this. Wow!

Share this article :