Get Affordable Car Insurance in Fujairah Today
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Car insurance in Fujairah is among the most primary prerequisites for driving, just like any other city in the UAE. So whether you are a local driver, an expat, or just a tourist driving through you will need to get your car proper insurance before driving it.
Fortunately buying insurance is quite easy these days with online services such as Lookinsure where you can get quotes from multiple insurance providers in the UAE just with a couple of clicks. Here we will offer you the most in-depth guide on how to buy online car insurance in Fujairah.
Why Choose Lookinsure for Your Fujairah Car Insurance?
What Lookinsure offers its clients, what we pride ourselves in is, in one word, convenience. Forget about calling every insurance company or going on a hundred different websites just to get a quote; with Lookinsure, you can do all that in 2 minutes. Just punch in your license plate number and we’ll give you a whole list of options.
If you are looking specifically for car insurance in Fujairah, the process will still be the same. The reason we ask for your license plate number is so that we can give location-specific options from the best Fujairah car insurance companies in the city.
Types Of Car Insurance Fujairah City Offers
There are two types of car insurance in Fujairah, as well as in any other city in the UAE, which include comprehensive and third-party liability insurance. Below we will briefly explain what each one of them means.
Third-Party Car Insurance Fujairah
Third-party liability insurance not only offers the minimum protection required by law, but it is also the best option if you are looking for cheap car insurance in Fujairah. Without add-ons such as protection against theft, the most basic TPL policy will cover the cost of any damages caused by your vehicle to a third party.
Comprehensive Car Insurance Fujairah
Comprehensive policies are the best car insurance in Fujairah as they offer the most coverage. The most basic comprehensive policy covers damages both to your car and to any third-party vehicle or individual. There are also a lot of add-ons you can include in your policy which can increase its level of protection.
Coverage Under Car Insurance Policy in Fujairah
There is quite a lot of difference between the coverage that comprehensive and third-party liability insurance offers. In the tables below you can see a concise comparison between what each type of insurance covers and what they don’t.
What Does Auto Insurance Cover in Fujairah?
Take a look at the following table to better understand car insurance coverage in Fujairah:
| Comprehensive | Third-party Liability |
| Damages to third-party vehicles, property, or individuals | Damages to third-party vehicles or property |
| Damages caused to your vehicle due to an accident, theft, fire, etc. | Injury or death to third-party individuals |
| Limited coverage for injuries suffered by the insured driver and passengers | Theft and Fire coverage (if bought as an add-on) |
| Roadside assistance (Add-on) | - |
| Temporary vehicle replacement (Add-on) | - |
| Loss or damage to personal belongings inside the vehicle (Add-on) | - |
| Increased coverage for personal injuries (Add-on) | - |
What Does Auto Insurance NOT Cover in Fujairah?
For third-party liability insurance, anything other than the items we mentioned (damages to third-party vehicles or individuals) is not covered by the policy. For comprehensive insurance, however, some items cannot be covered even with add-ons; damages resulting from the causes below are typically not covered by comprehensive car insurance:
- Normal wear and tear
- Deliberate actions
- Natural disasters
- War and terrorism
- Mechanical failure
- Damages resulted while driving without a license or under the influence
Get The Best Car Insurance Quotes from Top Motor Insurers In Fujairah
If you are in the market for purchasing car insurance in Fujairah, probably the first thing you want to do is to get quotes from different insurance providers so that you don’t end up paying more than you need to and Lookinsure is the best way you can do that. By heading over to Lookinsure.com, you can get quotes from the best providers of car insurance in Fujairah.
Here is a list of top insurance providers in Fujairah for you to check out:
- AFNIC Car Insurance - Al Fujairah National Insurance Company (AFNIC)
- GIG Gulf Insurance (formerly known as AXA)
- Al Buhaira National Insurance Co.
- Oman Insurance
- Union Insurance
- Noor Takaful Insurance
How To Compare Fujairah Car Insurance?
Comparing the prices of car insurance policies is quite easy these days as almost every reputable company selling car insurance in Fujairah has a website you can use to get quotes from.
However, if you don’t have the time to visit every website and compare their quotes separately, you can use aggregator services such as Lookinsure which specialize in just that, which is providing customers with a platform where they can get quotes from different insurance providers and easily compare their prices.
Factors Affecting Car Insurance Costs in Fujairah
The price of car insurance in Fujairah may differ based on a few factors. Some of the more important factors include:
| The Age and Experience of the Driver | If you are a younger and thereby less experienced driver, there is a chance you might be charged more on premiums, since lack of experience usually means an increased chance of accidents |
| Vehicle Type and Age | Insurance companies are all about saving money, so if you have a more expensive luxury car they will of course charge you more as the cost of repair and parts replacement for such vehicles is usually higher than the average cars. Also cars made by brands that are less known, like Chinese brands, cost more to insure as well, as part replacement for these models can be harder and hence pricier than the more popular ones |
| Driving History | An impeccable driving record implies a low-risk driver which in turn means a lower possibility of filing claims. So if you have a clean driving record, you might be eligible for various discount programs offered by some insurance companies |
| Type of Insurance | As we mentioned earlier, different types of insurance vary in their costs. A third-party liability policy which is enough to make your vehicle compliant with the legal requirements and only covers damages to third parties naturally costs considerably less than the comprehensive type which offers more protection |
| Claims History | When you want to buy, renew, or even change your car insurance in Fujairah, the agent will have access to your claim history, and if you have filed a large number of claims, you are likely to be charged more as that categorizes you as a high-risk driver |
| No-Claims Bonus (NCB) | On the other hand, if you have managed to spend the term of your previous policy without filing any claims, you will be eligible for a no claim bonus which, depending on the number of your consecutive claim-free years, can go up to 50 percent of the price of your policy |
| Driver's Nationality | Since demographics such as age and nationality are likely to be considered in risk assessment procedures, in some cases the nationality of the driver may be considered |
| Average Annual Mileage | If you use your vehicle beyond the daily average and thereby exceed a certain average annual mileage you might have to pay more since the more you drive, the higher the risk of getting into an accident would be |
| Optional Add-ons | There are some additional features you can add to your policy that offer extra coverage such as roadside assistance add-on, off-road protection, or personal accident cover will naturally come with an increase in the cost of your policy |
How to Save Money on Vehicle Insurance Online in Fujairah?
There are quite a few things you can do to save money on car insurance in Fujairah. Here is a list:
Use Aggregators to Compare Quotes from Different Insurers
Aggregators specialize in getting instant quotes from multiple providers in your region. For this purpose, you will usually need to go on their website, punch in your license plate and phone number and they will give you a list of insurance companies in your region with their prices.
Increase Your Voluntary Deductibles
A deductible is the amount paid by the insurer in the event of an accident. You can agree to increase the amount of your voluntary deductible which means that you agree to pay a larger share of the claim in case you need to file one. This will in turn help lower the price of your policy.
Buy Multiple Insurance Policies
Some insurance companies offer better deals to those customers who buy more than one policy from them. So if you are in the market for more than car insurance, buying all your policies from them will probably grant you a discount.
Don’t Forget Your No-Claims Bonus (NCB)
If you have spent the entire term of your previous policy without filing a claim, you are eligible for a no-claim bonus, which means up to 50 percent discount depending on the number of your consecutive claim-free years.
Look for Promotional Offers
Insurance companies often employ promotional offers such as discount programs as advertisement tactics. Such programs are the ideal opportunity for those who are looking for cheap car insurance in Fujairah.
Opt for the Cheaper Insurance Type
Third-party insurance is the most basic form of car insurance Fujairah providers offer. As mentioned before, this type of policy only covers the cost of damages caused by your vehicle to a 3rd party, and because of this, it is the cheapest option out there. So, if the only reason you want to insure your car is to make it law-compliant, then third party liability insurance is your best option.
Go Easy on the Add-ons
]f reducing your costs is your top priority, then you will need to forget about the extra coverage that add-ons such as roadside assistance bring about. A comprehensive policy that covers damages to your own vehicle as well as a third party can be all the coverage you need.
Use Safety and Anti-Theft Devices
Since insurance providers tend to prefer drivers who seem less likely to need financial reimbursement, anything that proves you are a low-risk driver, be it a clean record or claim history, or having a safe vehicle well-equipped with anti-theft devices such as a tracker, can make you eligible for a discount.
Don’t Underestimate a Clean Driving Record
Having a clean driving record is another way you can showcase your reliability and how low-risk you are to the insurance provider, which can in turn entice them to give you a better deal or at least not increase their price by labeling you as a high-risk driver.
Avoid Paying in Installments If You Can
Paying in installments insurance usually comes with a minor increase in the total cost of the insurance you buy. However, even when it doesn’t, paying for the policy upfront can be considered a better option as some providers offer special discounts for those who do.
Low Mileage Discounts
If you use your car less than the average driver, you might also be eligible for a discount since driving less means less chance of accidents, which is a good thing as far as insurance companies are concerned.
Fujairah Motor Insurance Premium Calculator
Lookinsure offers drivers looking to buy insurance the best venue to estimate how much it will cost them to insure their car. This is done through an online system called a premium calculator. To use this system, the insurer will need to provide the system with some preliminary information, which will, in turn, enable it to determine how much buying a policy will cost. These include information that factors into the price of insurance policies, such as the following:
- Personal information such as age, nationality, location
- Vehicle details
- Insurance type you are looking for
- Driving history
You can also calculate your installment payments when choosing the car insurance Tabby payment option at the Lookinsure online checkout.
How To Find the Best and Cheap Car Insurance in Fujairah?
If you are looking for cheap car insurance in Fujairah, your best option is visiting aggregators’ websites such as Lookinsure.com, where you can get a list of every reputable insurance company in your vicinity with their prices, which are called quotes in the insurance business.
A quote is only an estimate based on a few preliminary information you give the company or the aggregator, so it might change after you officially agree to purchase a policy based on further information such as your driving or claim history, etc.
Although you can get quotes directly from companies, whether through their websites or by calling their customer service, aggregators are still a better option because they give you quotes from more than one company which is exactly what enables you to compare prices and find the cheapest options out there. And don’t worry, if you are eligible for a discount, be it a no claim bonus or something else, you can use it with Lookinsure as well.
Documents Required to Buy or Renew Car Insurance in Fujairah
To buy or renew your car insurance in Fujairah, you will need the same documents required in other cities of the UAE. These documents include:
- Emirate ID
- Valid Driving License
- KYC or Know Your Customer Verification
- Car Registration Number
- Vehicle Number Plate
Note: you can apply for a KYC through your insurance company by providing them with personal documents which include the ones mentioned above plus proof of residency or visa (if you are an expat).
Online Car Insurance Renewal in Fujairah
With Lookinsure, you can do more than get quotes and buy insurance. Through our website, it is also possible to renew an existing policy as well.
In order to do so, you will need to provide the insurance company, or the aggregator, if you are using websites such as ours, with the same documents that are required for buying a policy, including driver’s license, vehicle registration and inspection certificates and also a document pertaining to your previous policy.
What Is the Claim Process for Fujairah Car Insurance?
Filing a claim refers to submitting an accident to your insurance provider to receive reimbursement for the damages. The first thing you need to know about filing a claim is whether or not the damages are covered by your specific policy. For example, if you only have third-party liability insurance and you have damaged your car, you can’t file an insurance claim as your damages are not covered under this type of policy.
If you are sure that the damages are covered by your policy, the first thing you need to do is call an officer into the scene, who will provide you with an official police report after inspecting the scene. This police report is among the documents you will need to submit to file your claim. Other documents usually include:
- Driving license
- Vehicle license
- Emirates ID
Car Insurance for Popular Models in Fujairah
If you drive a popular model, you are more likely to be offered a discount by insurance companies. The reason for this is that popular models are usually cheaper to maintain and repair. Also, as they make up a large part of the market, insurance companies tend to aim certain promotional offers at the owners of these cars.
If you want to find out whether the car you drive is among the most popular cars in Fujairah, check out the list below and see if you see your car’s name there.
Most Popular Cars in Fujairah
The cars listed below are among the most popular models in Fujairah.
- Toyota Land Cruiser
- Nissan Patrol
- Toyota Prado
- Mitsubishi Pajero
- Jeep Wrangler
Here is a list of other emirates where you can purchase your car insurance policy from:
- Abu Dhabi
- Dubai
- Sharjah
- Ajman
- Umm Al-Quwain
- Ras Al Khaimah
What People Are Saying About Us
If you search our name on Google, you will find that we have a 4.4 rating which is a result of and a testament to the dedication of our salespeople and customer service staff. Reading the reviews, you will find out that what keeps our customers happy is a combination of three things: low prices, quick service, dedicated personnel.
Here are a couple of the reviews our customers have left us on Google:
Fujairah is one of the 7 emirates of the UAE where car insurance is mandatory. Just like other cities in the country, you can take care of all your needs relating to car insurance in Fujairah through Lookinsure. With only a few steps you can get quotes from multiple insurance providers in this city and across other emirates, compare their prices, and pick the best policy for your car.
Frequently Asked Questions
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