Does car insurance cover scratches and dents in Dubai? Can we claim insurance for car dents? And is it worth claiming on car insurance for a dent? Well, when it comes to driving vehicles, keeping a car safe is just as important as buying one. Accidents happen on a daily basis, and the right car insurance is necessary in order to keep you, your car and the passengers safe. Your insurance helps you when facing any sort of financial consequences, covering up almost any damage from an unfortunate accident. Now you may be wondering, does car insurance cover dents? Or, does insurance cover a scratch on car?
As a driver, you may wonder how much your insurance provides for your accidents and how to claim car insurance for dent? Car insurance coverages varies from policy to policy and each insurance provider has a unique policy. Some policies include rewards for drivers with less claims too. In this article from Lookinsure Mag, we are diving deep in the topic of the way you claim car insurance for dent. Let’s see if car insurance in Dubai covers scratches and dents, and what the rules and policies are?
Frequently Answered Questions
1: Are scratches and dents covered by car insurance?
Yes. You can claim insurance for scratch and dent in the UAE. Most insurance policies, especially comprehensive car insurance, cover small damages as well. However, it is not always a good idea to claim for minor incidents. Pay attention to the pros and cons of raising a claim for minor damages.
2: If my car is scratched can I claim the insurance?
Yes. If the cost of repairing the dent is less than your insurance excess, we recommend that you fix the issue yourself and pay out of pocket. However, if it goes over the cost your provider asks for coverage, make an insurance claim and let your provider cover for you.
3: What does scratch and dent insurance cover?
The scratch and dent insurance covers the repair of minor damages and scratches on your vehicle. Some providers also cover small marks and tears on the interior of your car in their policy. Comprehensive car insurance also covers for most of the minor scratches and dents due to accidents.
4: Will car insurance cover paint damage?
Your car insurance provider covers paint damage if you have a collision or comprehensive car coverage. However, intentional damage is not covered by most providers.
5: Does a scratch count as an accident?
It depends on the type of scratch and the cause of it. However, major scratches usually count as an accident.
6: Does insurance cover dents in cars?
In case of a minor scratch, you should check the cause and see if your insurance provider covers that specific type of incident or not.
Key Takeaways: Does car insurance cover scratches and dents in Dubai
Lookinsure is all about making the best of your time and money; so, here’s a short version (TLDR or Too Long, Didn’t Read) of all the points on car insurance covering scratches and dents in Dubai.
1: What are the coverage policies that cover scratches and dents?
Collision car insurance and comprehensive car insurance policies
2: When does car Insurance cover scratches and dents?
Usually in such scenarios: Getting keyed, road debris, animal dents, bumper damage
3: When does car Insurance NOT cover scratches and dents?
In cases of wear and tear, having car insurance policies other that comprehensive coverage, intentional dents, out of time claims, and some specific locations that are not covered (you can find more info in the article; just scroll down).
How does car insurance cover scratches and dents?
Can we claim insurance for car dents? And even if possible, is it worth claiming on car insurance for a dent? Certain scratches may affect your vehicle’s appearance and if left untouched, they can reduce the value of your car.
Even though these scratches do not usually affect the car’s performance in particular, no one wants to drive around with a damaged car, no matter how minor. Some questions like will car insurance cover engine damage need more explaining, which you can separately read and learn.
Accidents such as a kid crashing their bicycle into your trunk, someone scraping or keying your car, something falling on your car and damaging your windscreen, or a tiny scratch on your bumper are examples of minor damages that can happen to your vehicle. If any accident happens to your car while you’re parked, you need to know does car insurance cover parking lot damage to get the most out of your insurance.
These types of losses usually fall into comprehensive or collision insurance coverage. Your insurance provider is supposed to take care of any damage that falls under their terms of policy. Comprehensive vs Third Party Insurance differences are important and you need to know before buying insurance.
However, it is not always a good idea to raise an insurance claim immediately. Nevertheless, there are particular coverage policies that cover scratches and dent. Let’s take a look:
Collision car insurance
Collision car insurance helps in the process of repairing or even replacing your vehicle in case of any damage. It is amongst the most important insurance coverages. Most insurers cover minor dents and tears due to particular incidents under this type of coverage.
Comprehensive car insurance
Comprehensive car insurance is the primary coverage, especially for non-collision damages and smaller incidents. We highly recommend getting this type of insurance since it offers a broad protection for any inconvenient situation. And for a safer measure, know how to download insurance copy and have it with you.
When does car insurance cover scratches and dents?
Let’s say you choose to raise a claim for your minor damage, first, you should learn what type of dents fall into this category. for general help in regard to how to claim Insurance for car accident you can see our post. Here are some types of the scratches and dents that car insurance providers in Dubai usually cover for you:
Getting keyed
Getting keyed is one common car accident, especially if you have something of an expensive car, or if someone who simply doesn’t like you accidentally walks across your car on the street.
This activity is considered vandalism. Damaging car doors, spray-painting, breaking mirrors, scratching windows, damaging the tires, etc. are also other types of vandalism. Most insurance policies in the UAE cover this type of activity.
Road debris
Road debris includes rocks, wreckage, garbage, cargo etc. Either collision or comprehensive car insurance covers accidents due to road debris such as hitting a rock on the road, or another unfortunate incident such as anything falling on your windshield glass and damaging it.
Animal dents
Animals such as deer, stray dogs and squirrels might cause harm and injury to your vehicle. These injuries are also covered by certain policies. Some of these injuries may not be so minor as well.
Bumper damage
Scratching your bumper is amongst the most common incidents for a driver. You may bump into another vehicle, or crash your bumper while parking. Anyhow, your insurance provider covers it for you. In case you bump into another car, your provider also covers the other party as well.
When does car insurance not cover scratches and dents?
To answer the question, does car insurance cover scratches and dents, you can look through the items mentioned above. However, those were only a few of the scenarios in which your insurance provider takes action. There are some dents and scratches that insurance does not cover in the UAE. Let’s take a look:
Wear and tear
Just like any other thing, a car also gets weary and old due to usage. Even if you are a careful driver, damages due to frequent usage are inevitable. These damages are not covered by any insurance provider and their policies.
Car insurance policies other than comprehensive
Having car insurance is mandatory in the UAE, and the lack of it will result in facing certain penalties. However, if you do not have comprehensive coverage or particular policies under collision coverage, your insurance provider simply does not cover damages that happen to your own vehicle! Therefore, there will be no coverage for minor incidents as well.
Intentional dents
Most of the time, intentional damage to your own vehicle is simply proven and car insurances never cover up for this type of damage. Intentional damage includes kicking your vehicle and causing dents.
Out of time claims
Timing is one of the most important factors when it comes to raising a car insurance claim. Once the incident is a thing in the past, your insurance company might not cover for it, or at least pay the true value.
Most car insurance providers have a specific time frame for accepting claims. Therefore, if you are wondering how to claim car insurance for dent and does insurance cover a scratch on car, first, you need to make sure that the incident is recent.
Other locations which are not covered
Insurance providers let you know about their covered and non-covered locations. These locations are all mentioned in your particular policy. Therefore, if you are wondering, does car insurance cover dents?
You should consider, damage done to your car outside of those said regions are not covered by your insurance, no matter how major or minor they are. It is important to pay attention to safety while driving outside your coverage regions. Incidents in those areas can result in huge payments.
Whether you use your car to drive only on the weekends, or you’re a daily commuter, you may require different types of car insurance.
Should you make an insurance claim for a scratch or dent?
Raising an insurance claim depends on the type of damage and its costs. Sometimes even if you have the scratches included in your policy, it is smarter not to raise an insurance claim.
That is because sometimes, the cost of repairing the damage out of your pocket is much less. In this case, raising a claim might lead to increasing your premium. Therefore, your final costs would probably add up.
For instance, if repairing a scratch costs AED 150 and your provider asks you AED 500 for your plan, it is smarter to fix the issue and not make an insurance claim.
However, in some cases, the cost of repairing the damage might be more than the price of your insurance policy and your deductible costs less. In this process, pay extra attention to factors that affect car insurance premiums since they have considerable influence on how to claim car insurance for own damage.
Therefore, it is best to make an insurance claim and let your insurance cover the damage for you. Here are a few things you better consider regarding how to claim car insurance for dent:
Your insurance excess
This is basically the amount you agree to pay your insurance provider for coverage. If your excess is higher than the repair prices, it is smarter not to raise a claim and fix the problem yourself. However, if repairing the damage costs more than your excess, definitely try raising a claim and make sure you get your insurance to cover for you. if you are not familiar excess and how it can reduce your insurance costs don’t hesitate our article about What is the Meaning of Excess in Car Insurance.
How bad the damage is
Other than the costs, some damages are so minor that any mechanic can fix them with the lowest of prices, and even if not fixed, not much value will be reduced from your vehicle. However, some sorts of damage need immediate and professional repair. Those damages are ones that would be better to raise a claim for.
No claims discount
No claims discount (NCD) also known as the no claims bonus is a reward dedicated to safe drivers who raise no claims in a particular amount of time (usually one year) these discounts can go anywhere from 10% to 50% depending on your policy and your insurer. Paying attention to this factor is also important. If you have raised no claims in the past couple of months, see if it is worth it to lose your no claims bonus.
How can Lookinsure help you?
Here at Lookinsure, we have gathered the UAE’s best insurance providers in order to offer you the highest quality services with the most affordable prices. Our insurers have all types of insurance policies for any sort of vehicle and we are sure there is always a suitable option for anyone looking for insurance in the UAE.
As you decide to get insurance from our professional, we ask for details about the type of car you own and your driver’s license in order to offer you the best policy possible.
Our no claims bonus option also motivates drivers to prioritize safety. Also, raising a claim has never been easier. By reporting the accident to us, we take immediate action and guide you through the process.
Conclusion
Many drivers worry about small incidents that may damage their vehicles and ask, if my car is damaged, does car insurance cover scratches and dents? If you are wondering, can you claim car insurance for scratches? Or, does car insurance cover dents? You should carefully read this article. Here, we tried to answer most of your questions regarding this topic.
As you all know by now, car insurance is amongst the most important things you need to get as a driver. Even though car insurance is mandatory in the UAE, there are scenarios in which your insurance provider either does or does not cover up for the damage.
First of all, it is important to choose a policy that covers what’s important to you. and secondly, it is important to raise a claim for issues that are actually worth it. Some damages are so minor that you better take action and fix them yourself. Choosing a reliable and trustworthy insurance provider is one of the best ways to make sure you get good service with reasonable prices.
