In the bustling streets of the UAE where most people don’t know what does comprehensive insurance cover, ensuring your vehicle is protected is paramount. What if you can buy car insurance full cover and protect your future from any type of accident at an affordable price? This is precisely what cheap full-coverage car insurance entails! In simple words car insurance full cover includes both liability and comprehensive car insurance, providing a safety net against car crashes and theft.
Car insurance full cover is an all-in-one solution and an economical choice for anyone who wants maximum protection at a reasonable price. The great news is that at Lookinsure, we empower you to craft your insurance plan based on your needs. After reading this Lookinsure mag article, You can edit and remove coverages you may not need, ensuring you find cheap full coverage car insurance at competitive rates. Whether you’re a daily commuter, a weekend adventurer, or even looking for business car insurance, you’re in control of finding the perfect plan.
Frequently Answered Questions
Does full coverage car insurance cover repairs?
Yes, full coverage car insurance typically covers repairs for collision and comprehensive damage, depending on the cause.
What does full coverage car insurance consist of?
Full coverage usually includes liability, collision, and comprehensive insurance, protecting a variety of risks.
How much is car insurance full coverage?
The cost varies widely based on factors like location, driver history, and the type of vehicle, but it generally ranges from 4,500 to 15,000 AED annually.
What is the cheapest full-coverage car insurance?
Finding the cheapest full coverage car insurance in the UAE can vary based on factors such as your age, driving history, the make and model of your vehicle, and the insurance provider. The best way to find the cheapest option is using comparison services like Lookinsure to browse through discount offers.
Do I need full coverage insurance for a used car?
It depends on your financial situation and the car’s value; if it’s worth a lot or you have a loan, you should have full coverage.
What Does Comprehensive Insurance Cover in the UAE?
Car insurance full cover plans typically include a variety of coverages designed to protect you in different situations. Here’s a breakdown of what is considered full coverage auto insurance in the UAE:
- Liability Coverage: This covers damages and injuries to third parties in the event of an accident, ensuring you are protected legally and financially. This coverage is not different compared to comprehensive vs third-party insurance; both have the same coverage.
- Comprehensive Coverage: This includes protection against non-collision-related damages such as theft, vandalism, and natural disasters like floods or sandstorms, which are common in the region. Understanding the comprehensive car insurance meaning is crucial, as it encompasses broader protections essential in the local context.
- Collision Coverage: covers damage to your vehicle in case of an accident, regardless of who is at fault. We recommend this coverage to beginners and new drivers.
- Glass Damage Coverage (Windshield Coverage): Specifically covers damage to your vehicle’s windows, mirrors, and other glass parts due to various causes. For example, if a rock falls out of a building and cracks your car’s front windows, you can also file a claim, as it is doable in car accidents.
- Fire and Explosion Coverage: This protects your vehicle against damage caused by fire or explosion, which can be particularly relevant in the UAE’s climate.
- Flood Damage Coverage: Given the potential for flash floods, this coverage ensures your vehicle is protected in such incidents. Depending on the policy, this coverage can include engine coverage and car replacement options.
- Theft and Vandalism Coverage: This policy provides financial protection if your vehicle is stolen or damaged by vandalism. Some insurance companies also cover personal belongings in the car if stolen.
- Replacement Value: Some policies cover the full replacement value of your vehicle, which is especially important given the high value of cars in the UAE.
- Engine Protection Cover: If any mechanical issues come up with your car’s engine, this add-on will definitely save you a lot of money
Full Coverage Car Insurance Exclusions
When considering car insurance full cover in the UAE, it’s crucial to understand what car insurance does not cover under the policy. While full coverage typically includes liability, comprehensive, and collision coverage, there are specific exclusions that you should be aware of. Below is a list of standard exclusions:
| Exclusion Category | |
| Routine Maintenance | Regular upkeep and servicing to ensure vehicle performance and longevity. |
| Wear and Tear | Gradual deterioration of vehicle parts due to normal use over time. |
| Uninsured or Unauthorized Drivers | Damage caused by drivers not listed on the policy or lacking proper insurance. |
| High-Risk Activities (e.g., Racing) | Damage resulting from participation in dangerous or competitive driving events. |
| Unapproved Modifications | Alterations to the vehicle not sanctioned by the manufacturer or insurer. |
| Acts of God (e.g., Natural Disasters) | Damage caused by uncontrollable natural events like floods, earthquakes, or hurricanes. |
| Engine Overheating | Damage resulting from the engine exceeding its optimal operating temperature. |
| War or Terrorism | Loss or damage caused by acts of war, civil unrest, or terrorist activities. |
Note: Remember that inclusions and exclusions on what does comprehensive insurance cover depend on the types of car insurance and may differ in some plans.
Explanation of Exclusions
| Routine Maintenance and Wear and Tear | These are not covered in car insurance full cover as they are considered part of regular vehicle care and aging. The owner should handle regular maintenance. If you need assistance with accidents or regular maintenance, try using an insurance garage |
| Uninsured or Unauthorized Drivers | Insurance typically only covers drivers specified in the policy. Accidents involving unauthorized drivers may not be covered. Read your policy carefully before buying or renewing |
| High-Risk Activities | Activities like racing can void your car insurance full cover, as these are considered high-risk and not part of standard vehicle use. There are other affordable car insurance for high-risk drivers that you can use |
| Unapproved Modifications | Your insurance provider must approve modifications to your vehicle, such as aftermarket additions, for you to remain covered. Acts of God: Natural disasters may require additional coverage. Check to see if your policy includes these events or if you need extra riders |
| Engine Overheating | Due to the hot climate in the UAE, engine overheating may be excluded from your policy. Check your policy for specifics; it may not cover it! |
| War or Terrorism | These are typically excluded due to their high-risk nature and potential for extensive damage |
Full Coverage Car Insurance Prices
The difference between comprehensive and third-party insurance in the UAE lies in the level of coverage provided. Comprehensive car insurance offers extensive protection, covering damages to your vehicle as well as third-party liabilities. The cost of a comprehensive policy varies depending on the coverage options included. To find affordable full coverage car insurance, comparing quotes from different providers is essential to secure the best deal. Below is an overview of the average price ranges for comprehensive car insurance from major providers in the UAE.
| Insurance Provider | Coverage Highlights | Average Price Range (AED) |
| Dubai Insurance | Comprehensive, Collision, Liability, Theft, Flood | 5,000 – 12,000 |
| ADAC | Full coverage with optional add-ons like glass damage and engine protection | 4,500 – 10,000 |
| Mashreq General Insurance | Includes theft, flood, third-party liability, and comprehensive coverage | 6,000 – 15,000 |
Please remember that auto comprehensive insurance meaning can be different in some policies and can change the total cost. Also, the actual cost of your insurance premium can vary based on factors such as:
- Your driving record
- Age and type of your vehicle
- and the specific coverage you select.
To get the most out of your insurance budget, consider bundling your car insurance with other policies, opting for a higher deductible, or ensuring your vehicle is equipped with safety features that may qualify you for discounts.
What Are the Benefits of Full Coverage Car Insurance?
You may ask what does full coverage mean car insurance if there’s just a slight chance of ever using it. Why do not stick with the basic plan and buy car insurance full cover? Let’s explore the key benefits of this type of insurance.
Financial Protection Against Accidents
When can you have cheap full coverage car insurance with better rates than regular/mandatory third-party car insurance and pay in 4 installments? With full coverage car insurance, you will also gain robust financial protection in the event of an accident, which is an investment. For instance, if you are involved in a major accident, your insurance can cover the costs of repairs, medical expenses, and even legal fees, ensuring you are not left with overwhelming financial burdens.
Coverage for Natural Disasters and Theft
One of the standout features of car insurance full coverage is its inclusion of comprehensive coverage, which protects against various non-accidental damages. This is particularly important in the UAE, where natural disasters such as sandstorms and floods can pose significant vehicle risks. Additionally, comprehensive coverage includes protection against theft, ensuring you are covered if your vehicle is stolen.
Peace of Mind on the Road
Beyond the financial aspects, full-coverage car insurance offers peace of mind, allowing you to drive confidently without worrying about one issue! No other type of car insurance provides this. Imagine thinking that even if your car is stolen, you still have a company beside you that provides for every need.
Get the Best Full Coverage Car Insurance on Lookinsure
Where do you find car insurance full cover that offers comprehensive protection without straining your wallet? Or what does comprehensive insurance exactly cover? Lookinsure is here to provide you with the ultimate solution and cheap full coverage car insurance that meets your needs without compromising quality.
Our plans are designed to offer full-coverage auto insurance that safeguards your vehicle and finances from the best car insurance companies in Dubai and throughout the UAE.
Do you still have questions? We’ve got you! Whether you have questions like does full coverage car insurance cover repairs or how to buy full coverage car insurance in the UAE, you can read our car Insurance buying guide FAQ section or contact us directly.
Choosing the right cheap full coverage car insurance is a challenging process. It’s crucial to be aware of the exclusions and select a plan that aligns with your needs, considering factors like your driving habits and vehicle type. Lookinsure gathered all these factors together and provided affordable options for car insurance full cover protection.
