Securing the best auto insurance for high risk drivers in the UAE is a challenge. Factors such as a negative driving history, age, your car’s potential repairs cost, and claims history can significantly impact the availability and cost of car insurance. In the face of such challenges, it is possible to find affordable options using Lookinsure. With our help in exploring various insurance providers, high risk drivers can find policies that offer the necessary coverage with the lowest premium possible.
Understanding how insurers classify high risk drivers is the first step to finding low-cost high risk auto insurance. By taking steps to improve your profile, such as attending defensive driving courses or maintaining a clean driving record before your next purchase, you can drastically lower your high risk car insurance rates. In the end, comparing policies from different providers in Lookinsure mag can help you find the best coverage at the most competitive price.
Frequently Answered Questions
1: What insurance is best for high risk drivers?
The best insurance for high risk drivers includes policies from providers specializing in high risk coverage, offering comprehensive and liability options. It’s essential to compare quotes, evaluate terms carefully, and consider insurers known for competitive rates for drivers with a poor history or significant violations.
2: What is the cheapest insurance for high risk drivers?
The cheapest insurance for high risk drivers can often be found through niche insurers that specialize in high risk policies. To find the lowest rates, compare quotes from multiple providers, consider increasing deductibles, and look for discounts related to safe driving courses or telematics programs. As a rule of thumb, cheap auto insurance quotes for high risk drivers are found in third-party liability packages.
3: What is the best insurance for a car in the UAE?
The best car insurance in the UAE typically combines comprehensive coverage with additional benefits like roadside assistance and protection against theft. Insurers like Oman Insurance, AXA, and Abu Dhabi National Insurance Company are well-regarded. Always compare quotes and coverage options based on individual needs.
4: What are the two types of car insurance in the UAE?
In the UAE, there are two main types of car insurance:
Third-Party Liability Insurance: This is mandatory and covers damages to other vehicles and injuries to third parties in the event of an accident caused by the insured driver.
Comprehensive Insurance: This optional policy covers damage to the insured vehicle as well as third-party liabilities, including theft, fire, and other risks.
5: How much is comprehensive insurance in the UAE?
Comprehensive insurance in the UAE typically ranges from AED 2,000 to AED 7,000 annually, depending on factors like the driver’s age, vehicle type, coverage limits, and claims history. It’s advisable to compare quotes from multiple insurers for the best rates tailored to individual needs.
6: Which category of car insurance is best?
The best category of car insurance for most drivers is comprehensive coverage. It provides extensive protection against damages to your vehicle, theft, and third-party liabilities.
Key Takeaways: Car Insurance for High Risk Drivers
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 difference between comprehensive and third party insurance.
1: What Is High Risk Auto Insurance?
These are insurance plans that have a higher premium and deductible rates to safeguard the insurance in case of claims. These plans are designed with less comprehensive coverage terms and are aimed at drivers who are recognized as risky by the provider’s assessment.
2: Who Is Considered a High Risk Driver?
For insurance providers, a high risk driver is an individual who poses a high chance of filing frequent and hefty claims. This assessment is driven by their records and risk factors, such as age, driving history, vehicle type, location, etc.
3: What Factors Can Make Me a High Risk Driver?
Accident history, traffic violations, driving experience, type of vehicle, insurance history, driving habits, mileage
What Is High Risk Auto Insurance?
High risk car insurance is a term for non-standard coverage plans that insure high risk drivers. These plans have a higher premium and deductible rates to safeguard the insurance in case of claims. These plans are designed with less comprehensive coverage terms and are aimed at drivers who are recognized as risky by the provider’s assessment.
High risk car insurance companies alter the terms of agreements compared to regular packages to circumvent the claims and shift the risks toward the drivers. However, these plans still offer the same coverage such as liability coverage, collision coverage, and comprehensive coverage.
Also, as we said, driver type highly influences insurance price; so, check out car insurance for young drivers if it can fit your profile. In this process, pay extra attention to how to choose car insurance since it has considerable influence on cost of car insurance.
| Features of High risk Auto Insurance | |
| Target Audience | Drivers with a higher likelihood of accidents or claims |
| Higher Premiums, Flexible Payment Plans | More expensive than standard auto insurance policies, but flexible plans can accommodate this issue. |
| Custom Coverage, Increased Liability | Tailored coverage options to meet the needs of high risk drivers |
| Specialized Providers | Fewer insurers may be willing to provide coverage, resulting in limited choices. |
| Requirements for Coverage | Providers demand additional documentation or conditions to secure a policy. |
| Potential for Improvement after Annual Review | Drivers can reduce their classification by improving their driving habits over time. |
| Focus on Safety | Encourages high risk drivers to engage in safer driving strategies and practices. |
| Non-renewal Risk | High risk drivers may face renewal issues in case of frequent claims |
By the way, if you’re living in Dubai or go there a lot, try finding a quote from car insurance Dubai companies to have an easier process.
Who Is a High Risk Driver?
For insurance providers, a high risk driver is an individual who poses a high chance of filing frequent and hefty claims. This assessment is driven by their records and risk factors, such as age, driving history, vehicle type, location, etc.
Such drivers are high risk clients in the eyes of most providers, which makes the process of finding affordable car insurance difficult. Lookinsure can provide cheap auto insurance quotes for high risk drivers, a plan that has fewer gaps than other non-standard plans and costs less. These options offer a chance to change to a standard insurance plan as soon as possible. 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.
What Driving Factors Make You a High Risk Driver?
If you are seeking the best auto insurance for high risk drivers in the UAE, you should be aware of the factors that mark you as a high risk driver. UAE providers have criteria similar to global standards for recognizing high risk car insurance clients.
| Accident History | A record of frequent accidents or collisions can lead to a high risk classification. |
| Traffic Violations | Accumulating multiple black points from traffic violations (e.g., speeding, running signals) increases perceived risk. |
| Driving Experience | Younger drivers are often deemed high risk due to limited driving history. |
| Type of Vehicle | High-performance or luxury vehicles may be viewed as riskier to insure, as they pose higher accident/theft risks. |
| Insurance History | Multiple claims, non-renewal by previous insurers, or gaps in coverage lead to a high risk categorization. |
| Driving Habits | Aggressive driving behaviors, such as tailgating or excessive lane changes, enhance risk perception. |
| Mileage | Higher mileage can increase the likelihood of accidents and breakdowns. |
| Failure to Adhere to Safety Regulations | Non-compliance with standard safety measures like seat belt use or neglecting vehicle maintenance. |
Of course, who wouldn’t like to know how to get cheap car insurance. Check out our guide for the most practical tips.
What Non-Driving Factors Make You a High Risk Driver?
In addition to the mentioned factors, certain personal details can lead to high risk auto insurance quotes. Certain insurance providers are willing to offer good insurance for high risk drivers but still have a fiduciary duty to their stakeholders to run a thorough background check to discover such red flags.
| Non-Driving Factor | Description |
| Age | Younger drivers, especially those under 25, are often seen as higher risk due to inexperience. |
| Gender | Male drivers, particularly in younger age groups, typically have higher accident rates. |
| Driving History | A record of traffic violations, accidents, or claims can significantly affect risk assessment. |
| Occupation | Certain jobs involving frequent driving or high stress may be associated with higher risk. |
| Geographic Location | Living in areas with high traffic, accident rates, or theft rates may result in higher premiums. |
| Credit History | In some cases, poor credit scores might indicate higher risk behavior, leading to higher premiums. |
| Vehicle Type | Luxury or high-performance vehicles are typically associated with higher risks and insurance costs. |
| Use of Technology | Frequent mobile device use while driving raises concerns due to increased accident risk. |
| Alcohol and Substance Use | A history of substance abuse or DUI convictions significantly impacts risk and may raise premiums. |
| Health Conditions | Medical conditions affecting driving ability (e.g., epilepsy, vision impairment) can lead to increased risk. |
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. 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.
How Long Are You Considered a High Risk Driver?
The high risk duration varies based on your risk factors:
| Traffic Violations | If you accumulate black points on your license for speeding tickets or reckless driving, you will be classified as a high risk insurance seeker until the violations are resolved. In the UAE, traffic violations will remain on your license for 1-2 years depending on the severity of the violation. In some cases such as DUI, the expiration of this risk can last up to three years in some cases |
| Accidents | If you are found at fault in multiple accidents, insurance companies will deem your case as high risk for up to five years. This is subject to change in case of a change of behavior |
| Young or new drivers | If your driving history remains positive for a few years after a few years, you will automatically be eligible for lower rates |
| Location-based high risk | After changing your location, you are eligible to renegotiate the terms of your insurance policy. If your providers deem your new location a lower-risk environment, you can enjoy a standard premium rate |
| Luxury Car/Old Car Risk | If you buy a new vehicle that is not categorized as high risk by the insurance provider, you can go back to a regular third-party or comprehensive plan |
Don’t miss out our guide on no claim bonus in motor insurance since it will help you save a lot on your insurance.
The duration of your high risk status can last between 3-5 years in most cases. If you commit any more violations during this period, you may face higher premium charges and an extension of the high risk classification. The best car insurance for a bad driver is one that minimizes the high risk period.
You can take steps to improve your classification by maintaining a spotless driving record after the high risk assessment, which will help the gradual removal of black points from your record. Another good step is completing verified defensive driving and safety courses to improve your qualifications sooner.
In addition, some insurers monitor driving behavior in telematics-based insurance policies. After displaying improved driving behavior for a set period, you may be eligible for lower premium rates.
How To Get High Risk Auto Insurance?
Take these steps to easily buy high risk auto insurance:
Determine your risk profile
The first step in buying the best auto insurance for high risk drivers is understanding what factors make yours a high risk case.
Research Multiple High risk Car Insurance Providers
Some companies specialize in cheap auto insurance quotes for high risk drivers.
Assess Your Risk Factors
Before seeking out low-cost high risk auto insurance, assess why you fall into this category. Common factors include:
| Traffic Violations | Frequent speeding tickets, DUI convictions, or reckless driving charges |
| Accident History | Having multiple claims or accidents on your record within a short time |
| Driver Age | Young and inexperienced drivers, particularly those under 25, are often considered high risk |
| Type of Vehicle | Driving a high-performance, old car, or luxury vehicle may also lead to higher premiums |
Understanding your risk profile can help you discuss your situation more effectively with insurers.
Gather Necessary Documentation
When applying for high risk auto insurance, you’ll need to provide various documents, including:
| Driving License | A valid UAE driving license is essential |
| Vehicle Registration Documents | Proof of vehicle ownership and registration |
| Previous Insurance Records | Details of any past insurance policies and claims |
| Identification | A copy of your Emirates ID or passport |
Having all these documents ready can expedite the application process.
Compare Quotes
Once you’ve identified potential insurers, request quotes from multiple providers. Each insurance company has different criteria and risk assessment methods, which means premiums can vary significantly. Comparing quotes can help you find the best price and coverage for your specific situation.
Consider Customized Policies
Some insurers offer customizable policies that can be tailored to your needs. This may include adjusting coverage limits or adding optional features like roadside assistance or rental car coverage. Tailoring your policy can help manage costs while ensuring you have adequate protection.
Work with an Insurance Broker
Insurance brokers can be invaluable for high risk drivers. They have expertise in navigating the insurance market and can help you find suitable options while negotiating better terms. Brokers often have access to exclusive deals or policies that may not be available to the general public.
Review Your Policy Regularly
Finally, it’s essential to periodically review your insurance policy. Changes in your driving habits, vehicle, or circumstances may allow you to re-evaluate your coverage needs and possibly switch to a lower-risk policy over time.
How Much Is Car Insurance for High Risk Drivers?
While exact figures can fluctuate, the average cost of car insurance for high risk drivers in the UAE typically ranges from AED 3,000 to AED 10,000 per year. The variation in cost is influenced by several factors:
| Driving History | A driver with multiple accidents or serious violations will generally face higher premiums than someone with minor infractions |
| Vehicle Type | The make and model of the vehicle can significantly impact insurance costs. Sports cars or luxury vehicles tend to carry higher premiums |
| Coverage Type | High risk drivers seeking comprehensive coverage will pay more than those opting for basic third-party insurance, which may be a requirement for such drivers |
Factors Influencing Premium Rates
Several critical factors play a role in determining the insurance premium for high risk drivers:
| Age and Gender | Younger drivers, particularly males, often face higher rates due to statistical evidence suggesting they are more prone to accidents. |
| Location | The region in which a driver resides can affect rates. Urban areas with higher traffic congestion may result in higher premiums compared to rural locations. |
| Claims History | A history of frequent claims can lead to elevated premiums, as insurers perceive higher risk. |
| Coverage Limits and Deductibles | Opting for lower deductibles can raise your premium, whereas higher deductibles may lower costs. Choosing coverage limits that exceed minimum requirements can also affect pricing. |
While exact figures can fluctuate, the average cost of car insurance for high risk drivers in the UAE typically ranges from AED 3,000 to AED 10,000 per year. The variation in cost is influenced by several factors:
| Driving History | A driver with multiple accidents or serious violations will generally face higher premiums than someone with minor infractions |
| Vehicle Type | The make and model of the vehicle can significantly impact insurance costs. Sports cars or luxury vehicles tend to carry higher premiums |
| Coverage Type | High risk drivers seeking comprehensive coverage will pay more than those opting for basic third-party insurance, which may be a requirement for such drivers |
Best Car Insurance Companies for High Risk Drivers
To find the most viable option, compare prices using Lookinsure’s online comparison tool to get quotes from multiple insurers. In addition, opt for minimal coverage to get things started. Consider third-party liability insurance as the most affordable high risk car insurance.
Here is a short list of the best high risk car insurance companies in the UAE.
1. Adamjee Insurance
Adamjee Insurance is known for its comprehensive and third-party liability plans. They offer competitive rates and personalized customer service. For high risk drivers, Adamjee provides flexible coverage options that can include accident forgiveness and roadside assistance. Prices typically range from AED 1,500 to AED 3,000 annually, depending on the driver’s history and vehicle type.
2. Dubai National Insurance Company (DNIC)
DNIC offers both comprehensive and third-party liability insurance plans. They are particularly known for their fast claims processing and support for local drivers. High risk drivers can benefit from their tailored plans that might include higher premiums but also extensive coverage options. Annual premiums can range from AED 2,000 to AED 4,000.
3. Salama Takaful Insurance
Salama Takaful specializes in Shariah-compliant insurance plans. They offer comprehensive coverage that includes protection against accidents, theft, and natural disasters. High risk drivers might find their premiums slightly higher, ranging from AED 2,500 to AED 5,000 annually, but the coverage is extensive and includes personal accident insurance.
4. Alliance Insurance
Alliance Insurance provides a variety of plans, including comprehensive and third-party liability options. They focus on risk management and offer value-added services such as defensive driving courses, which can help high risk drivers reduce their premiums over time. Prices for high risk drivers typically range from AED 2,000 to AED 4,500 per year.
5. GIG Gulf Insurance (Previously AXA)
GIG Gulf, formerly known as AXA, offers a range of insurance plans with flexible add-ons. They are known for their efficient claims processing and a wide network of garages. High risk drivers can expect premiums ranging from AED 2,500 to AED 5,500 annually, depending on their driving record and vehicle.
Conclusion
Getting high risk auto insurance in the UAE requires careful consideration and a proactive approach. By understanding your risk factors, gathering the necessary documentation, and researching providers, you can navigate the insurance landscape effectively.
Lookinsure is here to help in your search for the best insurance for high risk drivers by offering quotes cheap auto insurance quotes and their coverage. Our platform can simplify the process of searching for a new provider that offers the best available coverage and the lowest premiums possible.
While it may come with higher premiums, securing the right coverage is crucial for protecting yourself and others on the road. Remember, safe driving can not only prevent accidents but can also lead to more favorable insurance options in the future.
