Get Affordable Third-Party Car Insurance in Dubai
Flexible installments to pay later with
And
Regulated by the Government of Dubai
Third-party car insurance is not just a legal requirement in the UAE but also a practical choice for protecting yourself against financial liabilities. In a country where road traffic accidents frequently occur due to the high volume of vehicles and diverse driving habits, third-party car insurance guarantees peace of mind by covering damages caused to a third-party individual or vehicle.
Lookinsure is dedicated to offering affordable and reliable third-party car insurance solutions that meet each client’s needs. With competitive prices, simple-to-use processes, and customer-friendly services to compare insurance UAE, Lookinsure promises exemplary service and round-the-clock client support.
What is Third Party Car Insurance?
Third-party insurance is the most basic form of car insurance required by law in the UAE. It is the best policy for those who don’t think they will ever need insurance, but having one is mandatory.
As the name suggests, third-party insurance covers damages caused by your vehicle to third parties, including property damage or, god forbid, bodily injuries. However, it does not cover damages to the insured’s car, and that’s where comprehensive insurance comes in.
TPL Insurance UAE Coverage Details
The name says it all. Third-party liability insurance in the UAE covers damages to third parties, property damage or personal injury. So basically, if you are involved in an accident in which you are at fault, your insurance company will pay the cost of the damages caused to the other vehicle involved.
However, there are exceptions as well. For instance, accidents caused while under the influence of illegal substances will not be covered by insurance. Moreover, the insurance company can refuse your claim if someone other than the owner was behind the wheel at the time of the accident.
Why Do You Need Third-Party Insurance?
Driving without valid insurance is illegal and financially risky in the UAE. Third-party car insurance ensures that you are prepared for unforeseen accidents. For example, if you are involved in an accident where you are at fault, this insurance will cover the expenses for the third party’s damages, saving you from significant out-of-pocket costs.
Also, having third-party liability insurance in the UAE can enhance financial stability and protect against unexpected liabilities.
Cost of Third-Party Car Insurance
Insurance companies generally consider a few deciding factors when determining the cost of premiums. Here is an overview of what they usually take into consideration before giving you an estimate:
What Factors Affect the Cost of Third-Party Car Insurance
| Car Type | This says a lot about the potential cost of repairs and the type of driver they are dealing with. A souped-up V8 costs a lot to repair if it is involved in an accident and indicates that the driver is likely to partake in risky driving habits such as speeding. The more expensive the car, the higher the premiums. However, this doesn’t affect third-party insurance, as damages to your vehicle are not the company's responsibility. |
| Risk Factor | What is essential for insurance companies is determining how likely each customer is to get into an accident. So, any indication that you might be a high-risk driver will possibly cause an increase in the price of your policy. These include: |
| Age | Young drivers who are more prone to reckless activities, senior citizens, foreigners who might not have as good a command of the local language and culture, and, unfortunately, sometimes women, are generally considered high-risk drivers. |
| Driving History | People with a long record of accidents are considered high-risk drivers and are likely to be charged more for their policies. |
Average Car Insurance Third-Party Insurance Price in the UAE
On average, third-party car insurance Dubai price range is between AED 600 and AED 1,200, varying depending on the above factors. Cheaper cars and more experienced drivers with a clean driving record usually get lower premiums than those considered high-risk drivers.
What is Covered Under Third-Party Insurance?
Third-party insurance covers the following:
- Injury to Third Parties: Medical costs for injuries caused to others.
- Property Damage: Repair costs for damages to another person’s vehicle or property.
- Legal Expenses: Coverage for legal fees arising from TPL insurance uae claims.
What is Not Covered Under Third Party Insurance?
While third-party car insurance is beneficial, it has its limitations, and after all, there is a reason why it is the cheapest option available. It does not cover:
- Damage to your own vehicle.
- Injuries sustained by the insured driver.
- Loss or damage due to theft or natural disasters.
If you want these under your insurance policy, you must buy a comprehensive plan covering all of the above.
6 Steps to Buy/Renew Third-Party Insurance Online
Buying insurance online is offered these days both by a lot of insurance companies as well as online aggregators such as Looinsure. With Lookinsure, you can buy or renew your insurance quickly and with only a few clicks. This is how it is done:
- Visit the Lookinsure website.
- Click on “Instant Quote”
- Enter your car’s plate number and select your insurance type
- Compare quotes and choose your policy
- Fill in your vehicle and personal details.
- Choose a suitable plan and complete the payment process.
The entire process is streamlined to make securing cheap third-party car insurance UAE as hassle-free as possible.
How to Claim Third-Party Liability Insurance?
Filing an insurance claim can be tricky as insurance companies tend to be very careful to detect insurance fraud cases. This is generally how the process is done:
- Report the accident to the authorities and obtain a police report.
- Notify your insurance agent or company about the incident.
- Submit the required documents, including the police report, a detailed account of the accident, pictures of the damage, and your insurance policy.
- Wait for the insurer to assess the claim and process the compensation.
How to Compare Third-Party Car Insurance Prices on Lookinsure
Comparing the cheapest third-party car insurance in Dubai on Lookinsure is straightforward. Use the comparison tool to evaluate policies based on coverage, price, and additional features. This allows you to find the cheapest third-party car insurance in the UAE without compromising on essential benefits.
Third-party car insurance is a legal mandate and a financial safeguard against unforeseen liabilities. With Lookinsure, you can access affordable, user-friendly, and comprehensive TPL insurance options tailored to your needs. Whether you are a new or experienced driver, Lookinsure is committed to delivering the best third-party liability insurance that UAE residents can access.
Frequently Asked Questions
