Motor Insurance in the UAE

Motor insurance provides financial protection against third-party liability, accidental vehicle damage, theft, fire and other insured risks. The protection available depends on the selected policy, coverage limits, terms and exclusions.

Vehicles must have valid motor insurance before they can be registered and legally used on public roads in the UAE. Al Buhaira Insurance offers motor insurance options for private and eligible commercial vehicles.

Types of Motor Insurance in the UAE:

The main motor insurance options available include:

1. Third-Party Liability Insurance: This coverage protects the insured against legal liability for injury or damage caused to another person, vehicle or property. It does not usually cover damage to the insured vehicle.
2. Comprehensive Motor Insurance: This type of insurance may cover accidental damage to the insured vehicle in addition to third-party liability. It may also cover theft, fire and other insured risks, subject to the policy terms, limits and exclusions.

Motor Insurance Coverage:

Depending on the selected policy, motor insurance may include:

1. Accidental Damage: Damage caused to the insured vehicle following a covered accident.
2. Third-Party Liability: Legal liability for bodily injury or property damage caused to third parties.
3. Fire and Theft: Loss or damage caused by fire, theft or attempted theft, subject to the policy conditions.
4. Natural Events: Damage caused by selected natural events may be covered where included in the policy.
5. Personal Accident Cover: Personal accident benefits for the authorised driver or passengers may be available, subject to the selected policy and applicable limits.
6. Optional Benefits: Selected policies may offer additional benefits such as roadside assistance, agency repair or geographical extension, subject to availability and approval.

How to Buy Motor Insurance in the UAE:

Follow these steps to request motor insurance:

1. Provide Your Details: Share the vehicle owner's identification, driving licence and relevant insurance history.
2. Provide Vehicle Details: Submit the vehicle's make, model, year, registration details, value and intended use.
3. Select Your Coverage: Choose third-party liability or comprehensive motor insurance based on your requirements.
4. Submit the Documents: Provide the required personal and vehicle documents.
5. Review the Quotation: Check the premium, excess, coverage limits, benefits, exclusions and policy conditions.
6. Complete the Payment: Pay the applicable premium to complete the policy issuance process.

Documents Required for Motor Insurance:

You may need the following documents:

1. Emirates ID
2. Valid UAE driving licence
3. Vehicle registration card
4. Passport and residence visa copy, if required
5. Vehicle inspection or passing certificate, if required
6. Customs clearance documents for a new or imported vehicle, if applicable
7. Previous insurance or no-claims certificate, if available

Factors Affecting Motor Insurance Premiums:

The motor insurance premium may depend on several factors:

1. Vehicle Details: The vehicle's make, model, age, value, engine capacity and repair cost.
2. Driver Profile: The driver's age, experience and claims history may affect the premium.
3. Selected Coverage: Comprehensive insurance generally provides wider coverage than third-party liability insurance.
4. Policy Excess: The applicable excess may affect the premium and the amount payable when making an eligible claim.
5. Optional Benefits: Additional coverage and optional benefits may increase the policy premium.

Why Choose Al Buhaira Insurance for Motor Insurance?

Here are some reasons to consider Al Buhaira Insurance:

1. Motor Insurance Options: Third-party liability and comprehensive motor insurance options are available for eligible vehicles.
2. Private and Commercial Vehicle Coverage: Insurance solutions may be arranged for private cars and eligible commercial vehicles.
3. Online Car Insurance Quotation: Customers can provide their personal and vehicle details to request a car insurance quotation online.
4. Policy Support: A dedicated team is available to assist with quotations, documentation, policy enquiries and renewals.
5. Motor Claims Assistance: Policyholders can access support through the available motor claims channels, subject to policy terms and claim requirements.

Frequently Asked Questions: