Rolls Royce Car Insurance

Rolls Royce insurance is a standard and sought-after luxury insurance in the UAE. Rolls Royce car insurance is essential for all owners of this manufacturer’s vehicles. Choosing a suitable insurance policy to reduce risks is vital to protect your investment and keep your expensive vehicle safe and sound.

To choose the best Rolls Royce car insurance, compare the different prices and costs of several policies, learn about the specifics of Rolls Royce auto insurance policies available in the market, and find the ideal insurance plan according to your needs.

Rolls Royce Car Insurance in the UAE

Securing a bespoke Rolls Royce insurance policy is an essential aspect of ownership in the UAE, going far beyond mere legal compliance. A standard policy is entirely inadequate for a motor car of this stature. Your Rolls Royce car insurance must be meticulously crafted to reflect the vehicle's exceptional value, the exclusivity of its parts, and the necessity for master-level craftsmanship in the event of a repair.

Given the multimillion-dollar investment, a comprehensive policy that guarantees agency-level repairs and worldwide coverage is not a luxury but a requirement. Understanding the nuances of a specialized Rolls Royce insurance policy is fundamental to protecting your asset in a demanding environment.

Types of Rolls Royce Car Insurance Plans in UAE

There are plenty of Rolls Royce auto insurance policies that you can choose from to protect your expensive vehicle. These policies are all specially designed for Rolls Royce autos. However, you can see how they differ below:

Comprehensive Rolls Royce Coverage Explained

Comprehensive car insurance is almost a full coverage policy. Our Rolls Royce comprehensive policies are specially tailored for this exact type of car. This policy covers damage from fire and theft, natural disasters, road accidents, hitting animals, roadside assistance, third-party liabilities, and much more. The repair shops that fix your vehicle are explicitly trained to repair Rolls Royce cars by using authentic Rolls Royce parts. The comprehensive policy is one of the best insurance solutions for luxury car owners.

Essential Third-Party Liability Insurance

Third-party car insurance is the lowest level of mandatory coverage for vehicles in the UAE. This means that one must have the bare minimum of car insurance policies. However, our Rolls Royce third-party liability policy is specially tailored for Rolls Royce owners. By taking care of third-party liabilities, including self-injury such as medical expenses and property damage, this policy ensures that you don’t face financial consequences in case of an accident. Adding optional add-ons can enhance your third-party Rolls Royce auto insurance.

Specialized Coverage for Classic Rolls Royce Models

Some of our policies are dedicated to vintage Rolls Royce models. These models require a different type of care, and it is best to get special coverage instead of using a standard one to protect them. Some of the main inclusions for Rolls Royce vintage insurance policies are agreed value coverage, restoration and maintenance coverage, liability and collision coverage, storage and transportation coverage, and much more.

Rolls Royce Car Insurance Add-Ons

Car insurance add-ons are optional, and by adding them to your policy, you can navigate the focus of your coverage to certain areas. This means that you can enhance or reduce coverage according to your needs. This is especially useful for luxury car owners such as Rolls Royce. Some of the most popular car insurance add-ons include zero depreciation cover, engine and gearbox protection, return to invoice, passenger cover, loss of personal belongings, key replacement, gap insurance, and more.

What are Covered and Not Covered Under Rolls Royce Car Insurance?

A comprehensive Rolls Royce car insurance policy is designed for the unique needs of a luxury automobile, but exclusions are critical to note.

Generally Covered:

• Accidental Damage: Coverage for repair or replacement at an authorized Rolls Royce service center.
• Theft or Total Loss: Agreed-value coverage is crucial for a Rolls Royce to ensure you receive the car's true worth.
• Third-Party Liability: Covers injuries to others and damage to their property, as required by UAE law.
• Agency Repairs: A non-negotiable inclusion for any Rolls Royce insurance policy to maintain integrity and value.
• Worldwide Coverage: Often available as an add-on, providing peace of mind when traveling to other GCC countries.

Generally Not Covered:

• Wear and Tear: Gradual deterioration of materials, tires, and components is not covered by your Rolls Royce car insurance.
• Negligence: Damage resulting from a failure to maintain the vehicle properly may void the policy.
• Unofficial Modifications: Any alterations not approved by the manufacturer can invalidate your Rolls Royce insurance.
• Off-Road Use: While unlikely, any use outside of paved roads is typically excluded from a Rolls Royce car insurance policy.

Rolls Royce Car Insurance Price in UAE

Providing an exact figure for Rolls Royce insurance is challenging as it is highly bespoke. However, industry benchmarks and quotes indicate that annual premiums typically range from 1.2% to 3.5% of the vehicle's agreed value.

For a Rolls Royce Ghost with a starting price of approximately AED 1,800,000, you can expect a comprehensive Rolls Royce car insurance premium to range from AED 21,600 to AED 63,000 per year.

For a flagship Rolls Royce Phantom, with a value often exceeding AED 2,500,000, the annual Rolls Royce insurance cost can range from AED 30,000 to AED 87,500 or more.

These figures are estimates. The final Rolls Royce car insurance price is determined by the specific factors listed above, with agency repair being the most critical and costly component. It is imperative to obtain personalized quotes from specialist insurers.

Unique Insurance Features for the Cullinan

The Rolls Royce Cullinan is an SUV manufactured by Rolls Royce. Introduced in 2018, the model is not that old. However, it represents the brand’s first attempt to enter the luxury SUV market. This car is a popular option in the UAE, powered by a V12 engine and many brilliant features. Emiratis love luxurious SUVs, and this vehicle is a great pick for the UAE’s landscapes and weather conditions. Plus, it fulfills the love that most Emirati drivers have for high-end cars. 

Rolls Royce car insurance for Cullinan must include some specialties. This means that particular features come into play when insuring such vehicles. Due to Cullinan’s high value, status, and powerful performance, additional factors must be considered. Some of these key features are as follows:

This coverage ensures that the owner receives the vehicle's full value as agreed in the policy in case of a total loss.

This coverage includes the cost of replacing the car with a new model of the same kind.

Specified repairs refer to experts trained to repair Rolls Royce models using authentic parts.

Understanding the Cullinan Insurance Cost

Many factors come into play when calculating your premium. Your Rolls Royce insurance price depends on several things, such as the driver’s age and driving history, previous claims, car age and features, coverage type, insurer, and more. That’s why there is no exact price for any insurance policy. However, the estimated Rolls Royce Cullinan insurance cost for comprehensive coverage could be between AED 30,000 to AED 50,000 a year, depending on the abovementioned factors. However, the third-party insurance cost for Rolls Royce is around AED 10,000 to AED 15,000 a year.

Top Rolls Royce Insurance Providers

By picking one of Lookinsure’s top providers for your Rolls Royce car insurance, you can find the most suitable quote for your vehicle. Below is a list of all the UAE’s top insurers and why you can simply pick your Rolls Royce insurance out of them:

How to Buy Rolls Royce Car Insurance Online with Lookinsure

Buying your Rolls Royce car insurance using Lookinsure is a simple task. Here’s how:

1. Go to Lookinsure’s website
2. Navigate to ‘get an instant quote’
3. Fill out the required sections
4. Create a profile
5. Answer questions
6. Review suitable policies
7. Compare quotes
8. Choose a policy
9. Select optional add-ons

• Make the payment
• Receive confirmation

Rolls Royce Car Insurance Renewal Online

In case you want to renew your Rolls Royce insurance policy using Lookinsure, follow the given steps below:

1. Go to Lookinsure’s website
2. Sign into your account
3. Go to your panel
4. Review ongoing/previous policies
5. Select ideal policy
6. Read the policy carefully
7. Make alternations and select add-ons if necessary
8. Make the payment
9. Wait for confirmation

Documents to Simplify Your Experience

Purchasing a Rolls Royce car insurance requires certain documents. These documents are as follows:

• Emirates ID
• Visa and Passport (for expatriates)
• Valid UAE driving license
• Vehicle registration card
• Bank statements

How to Make a Rolls Royce Insurance Claim?

In case of an accident, you will need to file an insurance claim for your Rolls Royce using Lookinsure’s website by following the steps below:

1.   Call the police

First and foremost, make sure to call the police.

2.   Notify your insurer

Call your insurance provider and inform them about the accident.

3.   Fill out a claim form

Fill out the claim form that is available on Lookinsure’s website.

4.   Attach the necessary documents

Attach the required documents, such as the police report, to the claim form.

5.   Review claim

Make sure that your claim has all the necessary factors.

6.   Submit claim form

Submit the claim form you fill out before.

7.   Follow claim status

Follow your claim status through your panel on Lookinsure’s website

Rolls-Royce car insurance in the Emirates is quite popular. However, choosing among various options can be overwhelming. Lookinsure provides different insurance solutions for all sorts of needs, considering factors such as the driver’s age and information, driving history, car make and model, and much more.