Ford Car Insurance

Flexible installments to pay later with

And

Click Here for Instant Quote

Regulated by the Government of Dubai

Like all things American, American cars have enjoyed great popularity in the UAE, with Ford being the most desirable. From the iconic Mustang to the rugged F-150, Ford vehicles represent a perfect blend of performance and practicality.

However, while they are popular, they are not as easy to maintain as a Toyota. That's why finding the right car insurance for Ford is crucial to protect your investment and ensure peace of mind on UAE roads. Lucky for you, you can find all you need to know about this particular topic in this article.

Ford Car Insurance in UAE

So, you own a Ford in the UAE – maybe a rugged Explorer for desert trips or a sleek Mustang for city cruising. While your Ford is built tough, the reality of UAE roads means having the right car insurance isn't just a good idea, it's the law. If you own a Ford that was originally made for a market outside the Gulf region (a non-GCC specs car), it's especially important to know that your insurance might look a little different.

Insurers often see these vehicles as a higher risk, partly because getting specific replacement parts can be trickier and more expensive. This can lead to a higher premium. So, when you're looking for car insurance for Ford models, especially non-GCC ones, always be upfront about your car's specifications to get an accurate quote.

Types of Ford Car Insurance Plans in UAE

To make an informed choice when selecting the proper insurance type, it is essential to familiarize yourself with the available options and the coverage each one offers. Here is a little guide that can help you with that:

Comprehensive Ford Car Insurance

Comprehensive policies are the best option for those looking for full coverage, including the cost of damages to a third party and any damages to their vehicle. A basic comprehensive policy generally offers:

Accidental damage coverage
Fire and natural disaster protection
Theft and vandalism insurance
Third-party liability coverage
Personal accident benefits

Third-Party Ford Auto Insurance

If you are seeking basic coverage, third-party Ford motor insurance provides essential protection by offering:

Coverage for injuries to others
Protection against property damage
Legal liability coverage

While this type of insurance doesn't cover damages suffered by your vehicle, it fulfills the legal obligation of insuring your car, which is mandatory in the UAE.

Beyond protecting your vehicle, it's essential to safeguard yourself as well. Personal accident insurance provides financial coverage in case of injuries from an accident, ensuring you and your loved ones have the necessary support when it matters most.

Ford Gap Insurance

GAP insurance, which stands for Guaranteed Asset Protection, is a specialized coverage that protects you financially by covering the difference between your car's insured value and any outstanding finance amount in case of total loss. It won’t be necessary if you have already paid off your loan, but it can be a valuable option if you have just bought a financed car.

Add-ons for Ford Cars

There are also specific add-ons you can buy if you want to make your comprehensive policy even more inclusive. Some of the most popular options include:

Zero depreciation coverage
Agency repair warranty
24/7 roadside assistance
Replacement vehicle service
Off-road coverage for SUVs

What’s Covered and Not Covered Under Ford Car Insurance?

Think of your insurance policy as a protective shield for your Ford. What that shield protects depends on the type of policy you choose: Third-Party Liability (the basic legal requirement) or Comprehensive (the full package).

Typically Covered Under a Comprehensive Plan:

Accidental Damage: Dings, dents, or major repairs to your own Ford after a collision.
Theft or Fire: If your car is stolen or damaged by fire.
Natural Disasters: Damage from events like floods or sandstorms.
Vandalism: Repair costs for intentional damage.
Third-Party Liability: Covers costs if you accidentally injure someone or damage their property.

What’s Usually NOT Covered (The Exclusions):

Wear and Tear: Standard aging of parts like tires or brake pads.
Driving Without a Valid License: This is a major no-no and will void your coverage.
Off-Roading Mishaps: Damage that happens while driving off officially recognized roads may not be covered unless you have a specific add-on.
Mechanical or Electrical Breakdowns: Standard insurance isn't a maintenance warranty.

Always read the fine print! Knowing your policy's details is the key to a smooth claims process.

Factors Affecting Ford Car Insurance Premiums

Ever wonder how insurers decide what you pay? It’s not random! They calculate your premium based on a recipe of factors that help them assess risk. Here’s what influences the cost of your car insurance for Ford:

Your Ford’s Model and Value: Insuring a powerful Ford Mustang GT will cost more than a Ford Figo. A more expensive car costs more to repair or replace.
Driver’s Age and Experience: Younger, less experienced drivers are statistically higher risk, so their premiums are higher.
Your Driving History: A clean record is your best friend. Past claims or traffic violations will increase your cost.
Where You Live and Park: Insuring a car parked on the street in a busy city area may cost more than one in a secure suburban garage.
Your Annual Mileage: The more you drive, the higher the chance of an accident. Lower annual mileage can mean a lower premium.
Type of Coverage: A basic Third-Party policy is cheaper than a Comprehensive one, which offers much broader protection.

Understanding these factors puts you in the driver's seat to make smarter, more cost-effective decisions for your Ford car insurance renewal.

Ford Car Insurance Price in UAE

The cost of Ford motor insurance in the UAE varies based on certain deciding factors like the car’s model, your age and driving history, and the type of coverage you are looking for. Here are some estimated annual insurance premiums for popular Ford models:

Ford Explorer: Annual premiums typically range from AED 1,400 to AED 3,200.
Ford F-150: Comprehensive insurance costs for a 2023 model may vary, so obtaining specific quotes for accurate pricing is advisable.
Ford Mustang: Annual premiums generally start from AED 1,400 to AED 3,200.
Ford Expedition: Given its higher market value, premiums may range from AED 2,000 to AED 5,000 or more.
Ford Ranger: Premiums typically range from AED 1,400 to AED 3,200 per year.
Ford Escape: Insurance costs might range from AED 1,500 to AED 4,500 annually.
Ford Edge: Premiums could be between AED 1,500 and AED 4,000 annually.

Please note that these figures are only estimates and can vary based on the abovementioned factors. Consult insurance providers or use online comparison platforms like ours for precise quotes.

Cheap Ford Car Insurance – How to Save More

Who doesn't love saving money? Finding affordable car insurance for Ford doesn't mean you have to sacrifice good coverage. Here are some smart ways to keep more cash in your pocket:

Shop Around at Renewal Time: Don't just automatically renew! Your Ford car insurance renewal is the perfect moment to compare quotes from different insurers. Loyalty doesn't always pay, and you might find a much better deal.
Increase Your Voluntary Excess: Agreeing to pay a higher amount out-of-pocket (the excess) in case of a claim can significantly lower your yearly premium. Just make sure it's an amount you can comfortably afford.
Install a Tracking Device: A telematics device shows insurers you’re a safe driver, which can lead to a nice discount.
Drive Safely: A clean driving record with no claims or traffic fines is the single best way to secure lower premiums over time.
Ask About Discounts: Inquire about discounts for things like being a low-mileage driver, having advanced safety features on your Ford, or inserving multiple cars with the same company.

How to Buy Ford Car Insurance Online with Lookinsure

Getting instant quotes from multiple providers is not all that Lookinsure offers. You can buy a policy or even your Ford car insurance renewal with us as well. If you want to learn how to buy car insurance online, follow the instructions below and get the whole thing over within less than 5 minutes.

Simple Purchase Process

Visit Lookinsure's website and click on "Get Instant Quotes."
Enter your Ford's plate number
Verify using UAE Pass or Emirates ID
Answer a few questions regarding your driving history
Compare multiple quotes and select your preferred policy
Create a quick account
Customize your selected policy with desired add-ons
Enter contact information
Choose a payment method and complete the purchase

Ford Car Insurance Renewal Online

Getting a Ford car insurance renewal is also possible through our website. All you will need to do is prepare the required documents and follow the steps below:

Log into your Lookinsure account
Select your existing policy
Review and update information
Choose any additional coverage
Complete payment

Documents Required for Ford Car Insurance

The documents needed to purchase car insurance remain the same no matter what kind of car you drive. These typically include:

Valid Emirates ID (original and copy)
Driver’s License
Vehicle Registration (Mulkiya)

Additional documents may be required in specific cases:

Bank Loan Letter, if the vehicle is financed
Company Documents for corporate vehicles
Passport Copy for new residents

Top Ford Car Insurance Providers in the UAE

Finding the right provider can make all the difference when buying a policy or getting your Ford car insurance renewal. To help you make a good decision, here are some of the most trustworthy options out there:

Insurance Provider	Description
Oriental Insurance	Offers specialized Ford motor insurance at competitive rates and has an excellent claim settlement record.
Al Sagr Insurance	Provides comprehensive coverage options tailored specifically for Ford vehicles at attractive premium rates.
Salama Insurance	Features Sharia-compliant insurance solutions with extensive coverage for all Ford models.
New India Assurance	Offers robust insurance packages with specialized options for Ford owners.
Methaq Takaful	Provides Islamic insurance solutions with comprehensive coverage for Ford vehicles.
Fidelity United	Delivers premium insurance solutions with specialized packages for Ford car owners.

How to Make a Ford Car Insurance Claim?

After an accident, you should contact the police and your insurance provider after documenting the scene with photos and notes. You should also gather information from any third parties involved, including their contact details and insurance information.

Online Claim Filing

Moderncompanies selling car insurance for Ford usually offer multiple claim filing channels, including their websites or mobile app, where you can file a claim by submitting the required documents, which include:

Police report
Detailed photographs
Vehicle registration
Valid driver's license
Emirates ID
Insurance policy documents

Choosing the right car insurance for Ford requires careful consideration of coverage options, cost, and service quality. Using Lookinsure's easy-to-use digital platform, you can easily compare quotes from multiple providers and select the best Ford car insurance policy that matches your needs. Our partnerships with leading insurers ensure optimal protection at competitive rates, whether insuring a new Ford or renewing coverage for an existing vehicle.

Frequently asked Questions.

Many reputable insurers in the UAE offer car insurance for Ford vehicles. Some well-known providers include Oriental Insurance, Al Sagr Insurance, Salama Insurance, New India Assurance, Methaq Takaful, and Fidelity United. It's a great idea to get quotes from a few of these companies to compare your options at each Ford car insurance renewal.

Yes, purchasing your policy online is a quick and easy process. You can get a quote, customize your cover, and receive your policy document digitally in just a few minutes.

Typically, you'll need a few key documents ready when applying for your Ford car insurance. The main ones are your vehicle registration card (also known as the Mulkiya), your valid driver's license and Emirates ID, and a copy of your passport with the visa page. Having these on hand will make getting a quote or finalizing your policy a quick and smooth process.

No, comprehensive cover is not legally mandatory. The law only requires Third-Party Liability insurance. However, comprehensive is highly recommended as it covers damage to your own Ford, which can be expensive to repair.

Yes, you can. Online renewal is a convenient option offered by most insurers. It’s a straightforward process that allows you to manage your Ford car insurance renewal from home, often with the chance to review and update your coverage.

You can find more affordable car insurance for Ford models by comparing quotes from different companies, maintaining a claim-free driving record, agreeing to a higher excess, and asking about discounts for safety features or low mileage.