Third-Party Car Insurance in the UAE

Third-party car insurance provides protection against legal liability for injury or damage caused to another person, vehicle or property by the insured vehicle. It is the basic level of motor insurance required for eligible vehicles in the UAE.

Third-party insurance does not usually cover loss of or damage to the insured vehicle. Vehicle owners who require wider protection for their own car may consider comprehensive motor insurance, subject to vehicle eligibility and underwriting requirements.

What Does Third-Party Insurance Cover?

Subject to the policy terms and limits, third-party insurance may cover:

1. Third-Party Bodily Injury: Legal liability arising from bodily injury caused to an eligible third party in an accident involving the insured vehicle.
2. Third-Party Death: Legal liability arising from the death of an eligible third party following a covered motor accident.
3. Third-Party Property Damage: Legal liability for damage caused to another vehicle or other third-party property, subject to the applicable policy limit.
4. Legal Liability from Vehicle Use: Liability resulting from the use of the insured vehicle within the permitted geographical area and declared usage.

What Is Not Covered by Third-Party Insurance?

Third-party insurance does not usually cover:

1. Damage to Your Own Vehicle: Repair or replacement costs for the insured vehicle are not normally covered.
2. Theft of Your Vehicle: Loss of the insured vehicle due to theft is not normally included.
3. Fire Damage to Your Vehicle: Damage caused by fire to the insured vehicle is not normally covered.
4. Natural Event Damage: Damage to the insured vehicle caused by flooding, storms or other natural events is not normally covered.
5. Personal Accident Benefits: Benefits for the insured driver are not automatically included unless specifically added or provided under separate coverage.
6. Excluded or Undeclared Use: Claims arising from excluded activities, undeclared commercial use or other policy breaches may not be covered.

Who May Consider Third-Party Insurance?

Third-party liability coverage may be suitable for:

1. Owners Seeking Basic Liability Coverage: Vehicle owners who need the basic motor insurance required for registration and road use.
2. Owners of Older Vehicles: Drivers whose vehicle value may not justify the cost of wider comprehensive coverage.
3. Drivers Accepting Their Own-Damage Risk: Customers who understand that repair costs for their own vehicle will normally remain their responsibility.
4. Eligible Private or Commercial Vehicles: Third-party coverage may be available for different vehicle categories, subject to declared usage and underwriting approval.

How to Buy Third-Party Car Insurance:

Follow these steps to request third-party motor insurance:

1. Provide the Driver Details: Submit the vehicle owner’s identification, contact information and driving licence details.
2. Provide the Vehicle Details: Enter the vehicle’s make, model, year, registration information and intended use.
3. Select Third-Party Coverage: Choose third-party liability insurance from the available motor insurance options.
4. Review the Quotation: Check the premium, liability limits, geographical coverage, exclusions and policy conditions.
5. Submit the Documents: Provide the required personal and vehicle documents.
6. Complete the Payment: Pay the applicable premium after reviewing and accepting the policy terms.
7. Receive the Policy: Keep the issued policy schedule and wording for your records.

Documents Required for Third-Party 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 motor insurance policy details, if available
8. Additional documents requested during underwriting

What to Check Before Buying Third-Party Insurance:

Review the following policy details carefully:

1. Third-Party Liability Limits: Check the applicable limits for bodily injury and property-damage liability.
2. Geographical Coverage: Confirm where the policy is valid and whether any extension is required.
3. Declared Vehicle Usage: Ensure that private, commercial or other vehicle usage is correctly stated.
4. Authorised Drivers: Review the driver requirements and ensure that anyone driving the vehicle holds the appropriate valid licence.
5. Policy Exclusions: Understand the accidents, circumstances and vehicle uses that may be excluded.
6. Own-Vehicle Risk: Remember that the policy does not usually pay for repairs to your own car.
7. Claims Procedure: Review how to report an accident and which documents are required when submitting a claim.

Why Choose Al Buhaira Insurance for Third-Party Insurance?

Here are some reasons to consider Al Buhaira Insurance:

1. Third-Party Motor Insurance: Liability coverage is available for eligible vehicles and drivers, subject to the applicable policy terms.
2. Comprehensive Insurance Option: Customers requiring wider protection may also review comprehensive motor insurance, subject to eligibility.
3. Online Motor Insurance Quotation: Customers can enter their personal and vehicle details to begin a motor insurance quotation online.
4. Policy Assistance: Support is available for quotations, documentation, policy enquiries and renewal requirements.
5. Motor Claims Assistance: Policyholders can submit a motor-claims request online or contact the available motor-claims support channels.

Frequently Asked Questions: