Owning a car is more than just a convenience in Abu Dhabi. People mostly buy cars as it eases their transportation and commuting woes. However, buying and driving a car on the road comes with additional responsibilities like vehicle insurance. Nowadays, buying car insurance in Abu Dhabi can be tough owing to the fine print, jargon, and endless options. The six crucial points listed will help you understand car insurance in Abu Dhabi.
Third-Party Liability Coverage
Opting for third-party coverage is the bare minimum while buying car insurance. It is a type of coverage that ensures that if an accident occurs and you are found liable, the insurer will compensate the other party for damages. The damages also include injuries or even loss of life. It is the bare minimum required by the law in Abu Dhabi. As a savvy car owner, you can buy comprehensive protection.
Third-Party Theft and Fire Coverage
While third-party liability insurance is a legal requirement, it only covers damages to parties that are not at fault. To protect your vehicle against unforeseen events, consider opting for comprehensive coverage. These policies protect your vehicle by covering damages caused by accidents, natural disasters, vandalism, etc.
Comparing Quotes and Choosing the Right Insurer
Shopping around and comparing quotes is crucial to finding the best deal, as numerous insurers exist. Don’t simply go for the insurance policy that comes with lower premiums. You should consider factors such as the company’s reputation, customer service, etc. while insuring your car.
Additional Coverages
Do you know that the car insurance market in Abu Dhabi offers a plethora of additional coverages? In other words, the insurance market allows you to choose the right cover. Besides insurance coverage, you can also opt form additional coverage. Some popular options include personal accident coverage, roadside assistance, and coverage for rental cars. While selecting these add-ons, you should consider your driving habits and budget.
Knowing About the Excess
When the context is car insurance policies, the excess is a crucial concept to understand. It is the amount you should pay upfront before your insurer activates the cover. Note that higher excess amounts imply a lower premium. You must select an excess amount that aligns with your current financial condition.
The Claims Process
Even if you drive with great care, sometimes unexpected events still happen, resulting in an insurance claim. Knowing about the claims procedure is very important to have a smooth and easy experience. Learn how your insurer settles claims to repair your car during emergencies.
So, these are the six key points to note while buying car insurance in Abu Dhabi. You can visit InsuranceHub to compare and get quotes on car insurance policies. The portal is intuitive and user-friendly and lists insurance policies from reputed insurers.
