Buy Online Car Insurance in Sharjah
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All across the UAE, including Sharjah, car insurance is mandatory for road legality, and driving an uninsured vehicle, besides being financially responsible, risks a fine of AED 500, 4 black marks, and a 7-day vehicle impoundment.
So, in order to avoid such complications, it is important to put car insurance at the top of your priorities. For Buying car insurance Sharjah citizens can easily go to Lookinsure where they can compare prices from multiple providers just with a few clicks.
Here, you will find everything you need to know about buying online car insurance in Sharjah, from available types of policies to the most reputable providers in the city.
Types of Motor Insurance Sharjah
There are two main types of car insurance Sharjah companies offer: comprehensive and third-party which we will explain in detail below.
Comprehensive Car Insurance Sharjah
This is the most inclusive package there is out there. Comprehensive car insurance policies not only cover the cost of damages to third-party vehicles, individuals, or property, but they also offer compensation to own damages as well. So, if you are looking for ultimate coverage, this is definitely the right option for you.
Third-Party Car Insurance Sharjah
As the name suggests, third-party liability insurance only covers damages caused by your cars to a third-party. This policy is cheaper than comprehensive insurance and is all you need to make your vehicle compliant with the law.
Coverage Under Car Insurance Policy in Sharjah
Let's take a look at car insurance inclusions and exclusions in Sharjah.
What Does Auto Insurance Cover in Sharjah?
| Accident-Related Damages | Damages from accidents are covered by insurance. While comprehensive insurance covers all damages to all vehicles involved, third-party liability only covers damages to third-party vehicles |
| Fire and Theft | Another thing that is covered only by comprehensive policies is losses resulting from fire and theft. However, most insurance providers offer this option as an add-on to third-party liability policies as well |
| Natural Disasters and Vandalism | Comprehensive plans often cover damages caused by natural disasters such as floods, storms, and also malicious acts like vandalism. Check flood car insurance coverage add-ons that specifically deal with this issue for better coverage. |
| Personal Accident Cover | Medical expenses for injuries suffered in an accident can also be covered by your insurance policy. However, this option is usually available as an add-on |
| Roadside Assistance | Roadside assistance is also available for those who buy the option as an add-on. However, some providers include this coverage in their comprehensive packages |
What Does Auto Insurance in Sharjah Not Cover?
| Intentional Damage | Damages caused deliberately or through illegal activities are not covered by car insurance in Sharjah |
| Driving Under the Influence | If you get into an accident while you are under the influence of illegal substances, your damages will not be covered by insurance |
| Unauthorized Modifications | Damages caused or repairs needed due to unauthorized modifications also won’t be covered |
| Racing or Off-Roading | Damages resulting from racing or off-road use are typically excluded unless specific add-ons, which a lot of companies in the area offer, are attached to your policy. You can read more for off-road coverage to stay covered. |
| Wear and Tear | Damages caused by wear and tear are not covered |
| Using an Expired License | Your insurance policy is only valid so far as your driving license is, so you must make sure you renew your license before it expires |
Car Insurance Companies in Sharjah
Here is a list of some of the best insurance companies in Sharjah for you to pick from:
GIG Gulf (Formerly AXA Insurance Company)
A multinational insurance giant with a heavy presence in the UAE, with policies ranging from AED 1,800 to AED 3,500 annually.
Sukoon (Formerly Oman) Insurance Company
The award-winning Sukoon Insurance boasting a wide range of online services has policies that range from AED 1,600 to AED 3,200.
Methaq Takaful Insurance
If you are looking for a Sharia-compliant provider, Methaq Takaful is one of your best bets. Their car insurance packages range between AED 1,500 to AED 3,000.
The Oriental Insurance Company Dubai
The India-based insurance company with branches in the UAE offers a vast array of policies that range between AED 1,600 to AED 3,100 in price.
Al Sagr National Insurance
Al Sagr’s car insurance packages cost between 1,600 and AED 3,100 annually. With policies that cover areas such as Oman and other countries in the Gulf region, this company is one of the best choices for those who like to travel abroad with their personal vehicle.
Emirates Insurance Company
Emirates insurance otherwise known as Eminsco is an A-rated insurance provider with policies ranging in price between AED 1,500 to AED 3,000 annually.
How to Compare Car Insurance Quotes Sharjah
Here are a few ways to help you compare prices and get a good deal.
Online Comparison Tools
Online comparison tools which are known as aggregator websites offer the most convenient access to quotes from different car insurance Sharjah companies. With Lookinsure and other such services, all you need to do is enter your vehicle’s information and some personal details such as your age and nationality, and you will get a whole list of options with detailed prices.
Car Insurance Sharjah Price
When buying car insurance Sharjah prices can vary greatly depending on many factors, such as your age, driving and claims history, your car's make and model, its value, etc. Moreover, the type of coverage and the extra add-ons also affect the premium costs.
So it is not possible to give exact figures when it comes to car insurance prices in Sharjah or any other Emirate. However, to give you a ballpark estimation, depending on all the factors listed above, you should expect to be quoted as low as AED 1000 to as high as AED 5000 depending mostly on your car’s value.
How to Purchase Car Insurance in Sharjah
Purchasing car insurance Sharjah UAE is the same as any other place in the world and, thanks to modern online services, is easier now than it has ever been before. Whether you do it online or in person, all you need to do is follow these 3 easy steps:
- Pick a policy and the additional options you want,
- Provide the insurance company with the required documents listed below,
- Pay for it after the price is calculated based on your information.
Where to Buy Online Car Insurance Sharjah
These days all of your favorite insurance companies in Sharjah have their website where all their services are available online, from getting quotes, filing claims, renewals, or even buying insurance plans.
However, if you have not yet chosen your provider and don’t have any time to get quotes from all of them one by one, you can just use aggregators such as Lookinsure where you can easily compare insurance prices quoted by different companies.
Buy Sharjah Car Insurance on Lookinsure
Buying Sharjah car insurance from Lookinsure is one of the best ways to ensure a fair deal, quick processing, and caring customer service. All you need to do is:
- Go to Lookinsure.com or use our website
- Enter your car’s information and get a list of quotes
- Pick the option most suited to your needs
- Create a quick account
- Upload your documents
- Pay for and receive your policy online
How To Renew Sharjah Car Insurance
Renewing a policy is also possible through Lookinsure, whether you have bought your policy from us or not. All you need to do is log into your account, or create one if you don’t have any, punch in your policy number, and click on the Renew button. You can also choose to pay with Tabby which enables installment payments.
Documents Required to Buy or Renew Car Insurance in Sharjah
For buying car insurance Sharjah law requires every driver to provide the documents listed below:
- Emirate ID
- Valid Driving License
- KYC (Know Your Customer Certificate)
- Car Registration Number
- Vehicle Number Plate
- Certificate indicating transfer of ownership (if used car)
Renewal usually requires less documents as most of your information is already with your insurance agent, all you will need is your existing policy’s information and your personal documents which are required for verifications.
Conclusion
Car insurance in Sharjah is mandatory by law and uninsured vehicles will be fined and impounded. Because of this, it is a matter of great importance for drivers. In this article, we have tried to provide you with all the information you need to know before buying car insurance in Sharjah.
If you are looking for the best insurance companies in Sharjah or want to know how to file a claim, this article will answer all your questions.
Frequently Asked Questions
You may find some of your questions below:
How long will it take for car insurance in Sharjah?
How much car registration and car insurance in Sharjah?
What is the normal insurance rate on car in Sharjah?
What factors affect car insurance premiums in Sharjah?
How do I renew my car insurance in Sharjah?
