Explore Comprehensive Car Insurance Options in UAE
Flexible installments to pay later with
And
Regulated by the Government of Dubai
Comprehensive car insurance gives you extra protection for your vehicle on the dynamic roads of the UAE. It covers many incidents, including accidents, theft, and natural disasters. Buying comprehensive coverage insurance secures both your car and finances, making driving in the UAE much easier.
At Lookinsure, we focus on offering exceptional comprehensive car insurance deals that meet your unique needs. We aim to find the best policies from top comprehensive car insurers at competitive prices. Keep reading to learn more about full-coverage automobile insurance. We will discuss different plans and affordable, comprehensive car insurance. Comprehensive car insurance provides full coverage, but if you're exploring other options, you can compare different car insurance policies to find one that fits your needs and budget.
What is Comprehensive Car Insurance?
Comprehensive car insurance offers extensive protection for your vehicle, covering not just collisions but also a variety of other risks. Unlike basic liability insurance, which only covers damages to others in an accident, comprehensive auto insurance encompasses a broader scope of incidents. This includes coverage for theft, vandalism, fire, natural disasters, and even damage from falling objects. Comprehensive vehicle insurance protects you against unexpected events that could lead to significant financial losses.
With this type of car insurance, you ensure your investment is protected against various threats, allowing you to drive without worry. It’s a wise investment for those seeking complete protection, as it minimizes out-of-pocket expenses for an accident or damage. Overall, full-coverage car insurance is essential to responsible vehicle ownership.
Comprehensive coverage offers extensive protection, but if you're looking for more affordable options, exploring cheap car insurance in UAE can help you find a balance between cost and coverage. Compare budget-friendly policies to ensure you get the protection you need at a competitive price.
Best Comprehensive Car Insurance Plans in UAE
Choosing comprehensive motor vehicle insurance means you’re opting for better security. Finding the best full coverage car insurance coverage is the first step. Take a look at the different comprehensive car insurance plans below:
Insurance Provider | Key Features | Comprehensive Coverage Options |
24/7 roadside assistance Flexible payment plans | Coverage for repairs due to accidents Theft and fire protection Personal accident cover Coverage for natural disasters | |
Emirates Insurance | Option for no-claims discounts Rental car coverage is available | Damage to own vehicle caused by accident Coverage for vandalism Glass breakage Coverage for personal belongings in the car |
Vehicle replacement services Roadside assistance | Accidental damage coverage Theft, fire, and own damage Personal accident cover for driver and passengers Custom modifications protection | |
Abu Dhabi National Insurance Company (ADNIC insurance) | Flexible deductibles 24/7 customer support | Comprehensive coverage against accidents Coverage for damages from natural calamities - Theft and fire coverage Personal belongings cover |
- International coverage options - Coverage for car modifications | Accidents and damages to own vehicle Theft and vandalism protection Cover for personal accidents Coverage for rental car expenses if the car is undrivable | |
- Coverage for multiple drivers - Personal injury benefits | Comprehensive damage coverage due to accidents Coverage for theft and fire Personal accident cover for up to a specified amount Natural disaster coverage | |
Union Insurance | - Easy online policy management - Roadside assistance services | All-inclusive coverage against unforeseen events - Protection against theft Fire and natural disaster coverage - Personal accident cover for passengers and driver |
- Simple claims process - Flexible coverage options | Comprehensive vehicle damage coverage Fire, theft, and vandalism protection Coverage for personal belongings lost in the car Roadside assistance |
If you're looking for affordable coverage, cheap insurance UAE offers a variety of options tailored to different needs, ensuring you get the best deal for your car insurance.
What Does Comprehensive Car Insurance Cover?
Understanding what comprehensive car insurance covers is vital for making informed decisions after you choose insurance plans. Below, you'll find detailed inclusions and exclusions associated with comprehensive auto insurance.
Inclusions
In auto insurance full coverage, inclusions are the specific risks or events a policy covers. They define what the insurer will compensate for in a claim, clarifying the protection provided to the policyholder, which is listed below:
Coverage Type | Description |
Accidental Damage | Repairs for damage to your vehicle from accidents, regardless of fault. |
Theft and Vandalism | Protection against the theft of your vehicle and damages caused by vandalism. |
Fire Damage | Coverage for damages due to fire or explosions affecting your vehicle. |
Natural Disasters | Protection for damage from events like floods, storms, or earthquakes. |
Falling Objects | Coverage for damage caused by falling trees or debris. |
Third-Party Liability | It covers damages to other vehicles or property if you are at fault in an accident. |
Personal Belongings | Protection for personal items stolen from your vehicle (subject to limits). |
Exclusions
Exclusions in full coverage car insurance covers are specific risks, events, or circumstances that are not covered by a policy. All of them are listed below:
Exclusion Type | Description |
Mechanical Failures | Damage due to mechanical issues or lack of maintenance is not covered. |
Intentional Damage | Damages caused intentionally by the policyholder are excluded. |
Non-Compliance with Terms | Coverage may be denied if the vehicle is used for illegal activities or does not comply with policy terms. |
Wear and Tear | Normal wear and tear is not covered under this insurance plan. |
Unlicensed Drivers | If the vehicle is driven by an unlicensed or unauthorized driver, claims may be denied. |
Racing or Competitive Events | Damage incurred while participating in races or competitions is excluded. |
Cost of Comprehensive Car Insurance
When browsing for comprehensive car insurance, understanding its cost is important. This type of coverage offers extensive protection for your vehicle against various risks. The exact cost of comprehensive car insurance can vary significantly based on several factors, which are explained below:
Factors Influencing the Cost
Elements that influence how much you will pay for comprehensive auto insurance include:
- Driving History: Your driving record determines your comprehensive motor vehicle insurance premium. A clean driving history typically results in lower rates since insurers view you as a lower-risk driver.
- Vehicle Type: Your car's make and model significantly impact its comprehensive vehicle insurance price. Sports and luxury vehicles have higher insurance costs due to their value and repair expenses.
- Coverage Limits: Choosing higher limits on your full coverage car insurance will naturally increase your overall costs. More extensive coverage options mean a higher premium but provide better protection.
- Location: Your location can affect your affordable, comprehensive car insurance costs. Urban areas with higher traffic and theft rates may have higher premiums than rural settings.
- Deductible Amount: Higher deductibles often result in lower comprehensive motor car insurance premiums. But this means you'll have to pay more out-of-pocket in case of a claim.
Looking for affordable car insurance? Get your car insurance installment plan today and enjoy flexible payment options that fit your budget.
Average Comprehensive Car Insurance Prices in the UAE
UAE comprehensive car insurance prices vary depending on the factors mentioned above but the average of the full-coverage car insurance price can range from AED 2,000 to AED 10,000 annually. Take a look at this table:
Vehicle Type | Average Annual Comprehensive Car Insurance Price (AED) | Full Coverage Category |
Economical Cars | Starting at AED 2,000 | Car insurance full coverage cost |
Compact Cars | AED 2,500 - AED 4,000 | Affordable, comprehensive car insurance |
Sedans | AED 4,000 - AED 6,000 | Comprehensive automobile insurance |
SUVs | AED 6,000 - AED 8,000 | Full comprehensive car insurance |
Luxury Vehicles | AED 8,000 - AED 10,000 | Full coverage car insurance price |
Sports Cars | AED 10,000 and above | Car full insurance coverage |
Notes: To find the cheapest comprehensive car insurance, consider the specific coverage your vehicle requires. Always compare comprehensive car insurers to get coverage for your needs without exceeding your budget.
This table helps you understand the price ranges of full-coverage car insurance in the UAE. If you need further adjustments or additional information, please contact us on the Lookinsure website!
How to Buy/Renew Comprehensive Car Insurance in the UAE?
Renewing comprehensive car insurance in the UAE is a short process. Here’s a step-by-step guide to help you in this process:
Documents Required to Buy Comprehensive Car Insurance in Dubai
To purchase or renew comprehensive auto insurance in Dubai, you will need to provide the following documents:
- Copy of Emirates ID
- Driving License
- Vehicle Registration Certificate
- Previous Insurance Policy (if applicable)
- No-Claims Certificate (if applicable)
- Purchase Invoice of the Vehicle.
- Vehicle Details
- Proof of Address.
How Can I Claim Comprehensive Car Insurance?
By following these steps, you can claim comprehensive auto insurance:
- Notify Your Insurer: Contact your insurance provider as soon as the incident occurs.
- Gather Necessary Information: Collect all relevant details about the incident, including:
- Date and time of the incident
- Location
- A description of what happened
- Details of any other parties involved (if applicable)
- Document the Damage: Take clear photos of the damage to your vehicle and any other involved vehicles.
- Complete the Claim Form: Fill out your insurance company’s claim form accurately. You can usually do this online or through their customer service.
- Submit Required Documents: Alongside your claim form, submit all necessary documents, such as:
- A copy of your vehicle registration
- Your driving license
- Photos of the damage
- A copy of the police report (if applicable)
- Follow-up: After submitting your claim, contact your insurer to track its progress and provide any additional information if requested.
How to Get a Customized Comprehensive Car Insurance Quote with Lookinsure
Obtaining a tailored, comprehensive car insurance quote from Lookinsure is quick and easy. Follow these steps:
Visit Lookinsure Website
Start by navigating to lookinsure.com.
Click on 'Get Instant Quote'
On the homepage, locate and click the "Get Instant Quote" blue button to begin the process.
Select Your Plate Emirate
Choose the emirate where your vehicle is registered, such as Dubai, Sharjah, Abu Dhabi, etc...
Select Plate Code
Select the appropriate plate code from the dropdown menu based on your vehicle registration.
Enter Plate Number
Input your vehicle’s plate number accurately in the designated field.
Verify Your Identity
Sign in using your UAE Pass or Emirates ID to verify your identity.
Provide Vehicle Details
Enter the model of your car and the current mileage to provide essential information for your quote.
Choose Coverage Options
Select the coverage options that best meet your needs, including any additional features for your comprehensive motor insurance.
Receive Your Quote
Once you complete all the steps, you will receive your customized insurance quote in just a few moments.
We covered every aspect of car insurance in the UAE, especially insurance with full coverage. There are so many options for comprehensive car insurance that you need to know more in detail before buying it. Our insurance experts in Lookinsure are ready to help you choose suitable options based on your needs. Visit Lookinsure and get a quote.
Frequently Answered Questions
