Motor insurance, also known as car insurance or vehicle insurance, is a type of insurance policy that provides financial protection for damages or injuries that may occur as a result of a car accident in the UAE. It is mandatory for all car owners in the UAE to have motor insurance. The policy typically covers the cost of repairs to the vehicle, as well as any medical expenses incurred as a result of injuries sustained in an accident. Motor insurance policies may also provide coverage for theft, fire, and other types of damage to the vehicle.
Different types of motor insurance policies are available, such as third-party insurance and comprehensive insurance. They offer different coverage and benefits, so it's important to compare and choose the one that best suits your needs.
The main difference between comprehensive motor insurance and third-party motor insurance is the level of coverage they provide.
- Comprehensive motor insurance is a type of insurance that provides coverage for both third-party and own damages. This means that if you are found to be at fault in an accident, your insurance will cover the cost of repairs to your own vehicle, as well as any medical expenses incurred by other parties involved in the accident. Comprehensive insurance also covers the risks of theft, fire, and other types of damage to your vehicle.
- Third-Party motor insurance, on the other hand, is a type of insurance that provides coverage for damages or injuries caused to other parties in an accident. This means that if you are found to be at fault in an accident, your insurance will cover the cost of repairs to the other person's vehicle and any medical expenses incurred by them. However, it will not cover your own damages or injuries.
In summary, comprehensive motor insurance offers a wider range of coverage and benefits, including protection for your own vehicle and injuries, while third-party motor insurance is mandatory and only covers the damages or injuries caused to other parties involved in an accident.
Motor insurance policies in the UAE generally provide coverage for the following:
- Damages to your vehicle: This covers the cost of repairs to your vehicle in the event of an accident, theft, fire or natural disasters.
- Third-Party liability: This covers the cost of damages or injuries caused to other parties in an accident for which you are found to be at fault.
- Personal accident coverage for the driver and passengers: This covers death or permanent disability caused by an accident as well as accidental medical expenses
- Roadside assistance: This covers the cost of towing the vehicle to a repair shop in the event of a breakdown or accident.
- Replacement of the vehicle: This covers the cost of replacing the vehicle in the event of a total loss.
- Additional covers: Some insurance providers offer additional covers such as personal belongings coverage, windscreen cover, and more.
- Off-Road cover : coverage for off-road activities such as dune bashing or desert safaris.
It's important to note that the coverage and benefits offered by each insurance policy may vary depending on the insurance company and the policy selected. It's advisable to compare different policies and choose the one that best meets your needs.
Reasons to consider buying motor insurance from Al Buhaira Insurance:
- Premium comprehensive coverage: Al Buhaira Insurance offers premium comprehensive motor insurance policies that provide coverage for both third-party and own damages. This means that if you are found to be at fault in an accident, your insurance will cover the cost of repairs to your own vehicle at one of our A-rated premium garages, as well as any medical expenses incurred by other parties involved in the accident.
- Customizable policies: Al Buhaira Insurance allows policyholders to customize their motor insurance policies to fit their specific needs. This means that you can choose the level of coverage that best suits your needs and budget.
- Claims customer service center: Al Buhaira Insurance has a dedicated customer service team that is available to answer any questions and assist with claims. This means that you can get help whenever you need it, even outside of regular business hours.
- Wide range of additional coverage options: Al Buhaira Insurance comprehensive insurance plan offers a wide range of additional coverage options, such as personal belongings coverage, windscreen cover, 24/7 roadside assistance services and more, that can be added to your policy to provide even more protection for your vehicle.
- Competitive pricing: Al Buhaira Insurance offers competitive pricing for their motor insurance policies, which means that you can find a policy that fits your budget without sacrificing coverage.
- Strong reputation: Al Buhaira Insurance is a well-established and respected insurance company in the UAE, known for its reliability and reputation.
- Convenience: Al Buhaira Insurance also offers an online platform for policyholders to buy, renew and check their policy details, which makes it more convenient and easy to manage.
Overall, Al Buhaira Insurance is a great choice for motor insurance in UAE with a variety of coverage options, competitive pricing, and excellent customer service.