Buying a new vehicle is among the most exciting experiences. While being caught up with all the new features and possibilities that come with your new car, you may be smart enough to ask one question; How to get car insurance before buying a car? And is it even possible? Well, the answer is yes. It is possible indeed, and if that is something you are considering, then you have come to the right place.
Knowing how to get car insurance before buying a car helps you save tons of money from the get go. Plus, anything that might accidentally happen to your car is now covered by the insurance provider. Therefore, don’t miss this comprehensive guide from Lookinsure mag on how to buy car insurance before buying a car.
Frequently Answered Questions
1: How do I get insurance before I buy a car?
Before finalizing your car purchase, you can start setting a suitable insurance policy. However, you will need all the details about your car, plus, data from your driver’s license. We offer you affordable prices and deals that are just the right pick for you based on your circumstances. This is exactly how to get car insurance before buying a car.
2: How long after buying a car do I need insurance?
The latest possible time for getting car insurance is right after buying one. You can never drive your car without insurance and not expect penalties. Therefore, we recommend that you get your insurance before buying your car. This way, you make sure that every small thing that happens to your new vehicle is covered.
3: Can I transfer my car insurance in the UAE?
You can transfer car insurance, If your insurance has a validity for over 9 months, you can go after transferring it to your new car. However, we recommend that you check this with your insurer since each type of vehicle has its own different policy.
4: Who should get the car insurance?
The car owner is responsible for insuring their vehicle. This means that the owner is also responsible for getting coverage for any drivers on their insurance policy.
5: When is the best time to get car insurance?
The best time to get car insurance is right before buying a car. This prevents any possible issues regarding your new vehicle. Also by doing so, you can start driving your car immediately.
6: Why trust Lookinsure?
Certified by the UAE Central Bank and licensed by the Government of Dubai, we offer the best insurance policies from the UAE’s top providers. Protecting your safety is our biggest duty. Therefore, we guarantee high quality services and coverage with the most affordable rates on the market.
Key Takeaways: How to Get Car Insurance before Buying a Car
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 how to get car insurance before buying a car.
1: When to Get Car Insurance
We highly recommend that you start the insurance process immediately after deciding what car you want to purchase. You can easily set the date and get your insurance whenever your vehicle is ready.
2: How to Get Car Insurance before Buying a Car
It usually involves these steps: finalize your vehicle of choice, gather info, compare insurance quotes, submit personal documents, and buy car insurance at last
3: Importance of car insurance before driving
Getting car insurance is mandatory in the UAE. You will face penalties for driving with no insurance, such as 4 black points on your driving license and you will face a AED 500 fine.
How to get car insurance before buying a car?
As you may already know, knowing how to get car insurance is among the most important aspects of the whole process of buying a new vehicle. By doing so, you cover any loss due to probable accidents. Since car insurance is mandatory in the UAE, driving around without insurance can cause lots of problems. In this process, pay extra attention to factors that affect car insurance premiums since they have considerable influence on how to choose car insurance.
Facing several penalties is one. Plus, if anything happens to your vehicle, you’ll have to pay right out of your pocket. A great thing about getting your insurance from Lookinsure is that you can set the starting date of your insurance. Thus, you are able to get an insured car from the very first moment. Now you may be wondering, how to get insurance before buying a car? In this article we’ll go over each step of this journey. We suggest you also read the guide on changing car insurance provider in case you decided to go for a better coverage. By the way, if you’re living in Dubai or go there a lot, try finding a quote from car insurance companies in Dubai to have an easier process.
When do we need to buy car insurance?
Whenever you even start to consider buying a new car, you should also start doing research on how to get insurance when buying a car. In most cases, it is best to purchase your insurance before purchasing your car. This helps you ensure that you have the right amount of coverage. 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.
This leads to less accidents, or at least less troubles caused by accidents. We highly recommend that you start the insurance process immediately after deciding what car you want to purchase. You can easily set the date and get your insurance whenever your vehicle is ready. We suggest you read car insurance buying guide before you finalize any purchase to save on your car insurance while getting the best deal for you.
Do we need insurance before buying a car?
You can actually finish your car’s transaction process without having insurance. However, you will need to buy an insurance policy before driving it. Therefore, if you purchase a car, you will have to show proof of having insurance before being able to drive.
Therefore, we recommend that you consider buying insurance early in the process. If you have insurance from your previous vehicle, there might be ways to add your new car to your current policy. However, in many cases, it is best to let your insurance provider know before purchasing a new vehicle.
How to buy car insurance before buying a car?
If you are asking how to get insurance on a car before buying it, we can help you step by step. Lookinsure is here to take you through this process.
The whole process includes analyzing different policies and comparing providers. We have brought together the UAE’s most trustworthy insurance providers all in one place in order to soothe the task. Here are the necessary steps on how to get car insurance before you buy a car:
1: Finalize your vehicle
The type of car you purchase plays a big role in determining the suitable coverage for you. Therefore, even before purchasing your car, you have to determine exactly what you intend to buy in order to get the suitable insurance coverage. For instance, antique or vintage vehicles require a different type of coverage. Luxury cars that cost more than the average family car also require special policies.
2: Gather necessary information
There are several necessary details you need to know about your new vehicle before finding out how to buy car insurance before buying a car. These details include the vehicle identification number, the model and its mileage. Sharing this data with your insurer will be crucial. Most insurance providers have a list of car brands, models and their insurance prices.
3: Compare company policies
One of the most important steps on how to get auto insurance before buying a car is comparing company policies. Different companies offer different policies. Hence, you should pay attention to what each insurance company offers before making your decision.
Different cars require different policies, and factors such as the model of your vehicle affect the right policy coverage for you. Here at Lookinsure, we have gathered the best insurance providers in the UAE while keeping our prices at a budget friendly level. Therefore, we can easily find the suitable provider for you without wasting any of your time.
4: Submit your personal documents
After choosing your provider and gathering information, you will need to submit the data alongside information about you (or the person purchasing insurance). The required documents for getting car insurance in the UAE are as following:
- Your car registrations including the registration number.
- Engine number and other details about your car
- Details about the driver including driver’s license, phone number, address, etc.
- A copy of your passport or your residential visa and ID
- Previous insurance policy (if existent)
5: Make a purchase
The last step in this process is making payments. After transferring the money, the insurance company takes almost one day to finish the process, and then, your vehicle is fully insured. This is how to get car insurance before buying a car. Also consider checking the comprehensive vs third party insurance guide to get a detail of their differences in all processes and find lower car insurance prices. Also, as we said, driver type highly influences insurance price; so, check out car insurance for young drivers if it can fit your profile.
The importance of purchasing car insurance before driving
Getting car insurance is mandatory in the UAE. Whether you decide to purchase it beforehand or not, it is a necessary purchase. You will face penalties for driving with no insurance, such as 4 black points on your driving license and you will face a AED 500 fine. Also learn to check insurance status online so it is always up-to-date.
The traffic police are even allowed to seize your car for several days as well. More importantly, any accident that happens to your car, or through your car to someone else’s property won’t be covered by an insurer. Therefore, you might have to pay a notable amount in order to repair your vehicle. This is only if no one gets injured. In that case, many medical bills will be coming to you. That being said, the safest thing you can do is buy your insurance as soon as possible. Since it is an important topic, we’ve written a guide on what is the fine for not having car insurance and by studying it, you can easily avoid unnecessary penalties.
How can we help you?
Lookinsure is certified by the UAE central bank and licensed by the government of Dubai. Our team of professionals help you answer one of the most common questions, how to buy car insurance before buying a car online? We have made this process easier than ever. In some cases, you might need temporary car insurance while any issues with your main car or main coverage gets settled.
We provide budget friendly policies without any disruptions. By securing the checkout process, you can also choose your ideal payment option, including a 4-interest free installment option. Take a couple minutes to submit data about your new car and information regarding your license, and you will be good to go!
