Key Additional Features and the Benefits of Motor Insurance in UAE

Introduction:

An in-depth knowledge of motor insurance in the UAE is helpful for owning and managing vehicles safely. However, in this context, more than just learning about the primary details of the insurance packages is required. It mandates knowing about add-on benefits that play a vital role in leveraging the benefits of motor insurance packages in the UAE.

When vehicle owners include additional features in the motor insurance packages, it provides additional security to the vehicles. High-value or brand-new vehicle must be insured with additional coverages so that loss due to any accidental case or other factor can be handled efficiently. The add-ons in the policy package indeed minimize the financial and legal burden when a mishap takes place with a vehicle. Thus, with enough add-on facilities attached to it, the insurance package becomes more comprehensive, providing you with many additional benefits.

So, it is evident that vehicle owners must consider including additional features in any motor insurance plan in the UAE. Nonetheless, this blog is here to guide vehicle owners about the key additional features and benefits of vehicle insurance packages.

Major Add-on benefits of the Motor Insurance in UAE

Whether it is a road accident, theft, fire hazard, or any natural calamity, add-ons in motor insurance help to cover the financial responsibilities well, expanding the insurance packages. Here are the details of which major additional benefits can be available to vehicle owners under motor insurance in UAE.

–       Roadside assistance:

With this additional coverage, you can expect assistance for tire punctures, fuel shortages, battery damage/ drainage, flat tires, car lockouts, and other similar scenarios. However, when opting for roadside assistance coverage, the vehicle’s age and travel route determine certain things. So, consider those factors.

–      Personal accident cover:

A comprehensive vehicle insurance policy can protect the insured vehicle. However, personal accident coverage can be a viable option to cover the expenses of bodily harm to the individual driving the vehicle and the passengers.

–       Emergency medical expenses: 

Medical emergencies may occur due to accidents. Hence, adding coverage for medical emergency expenses is essential to save lives at that crucial moment.

–      Windscreen cover:

Driving a vehicle with a damaged windscreen can be a serious threat to the lives of the driver and passengers. Many insurance packages do not include windscreen coverage as its part. So, it is better for vehicle owners to consider adding windscreen damage coverage as an additional benefit at a minimal extra cost.

–      Agency repair coverage:

 In most motor insurance packages, a maximum of 3 years of agency coverage is provided. With additional coverage, the agency coverage duration can be extended and you can get genuine parts and expert assistance while repairing the vehicle damages.

–      Renting a car coverage:

Rent a car benefit (also called daily transportation allowance or car hire benefit) in motor insurance is an optional add-on cover that provides a replacement vehicle or daily cash allowance when your insured vehicle is under repair due to an accident, damaged due to an insured event (like fire, flood, etc.), stolen and under police investigation.

–      Geographical area coverage:

Motor insurance in the UAE usually does not extend beyond the country’s border. As a result, if you drive your vehicle in a foreign country, and any mishaps occur leading to damage or loss of your vehicle or its parts, you may not claim compensation. Add-on coverage for extended geographical areas can solve this issue providing comprehensive motor insurance benefits even outside your country areas.

 

Conclusion

While driving a vehicle or when it is just parked, mishaps may occur with it anytime. Despite precautions taken, vehicles may get damaged, losses may take place. To ensure a safe and peaceful life ahead, it is essential to be prepared for such unpredictable scenarios. Therefore, experts recommend including add-ons to the motor insurance packages and ensuring complete security for the vehicles. Finally, purchasing policies from trusted insurance providers is recommended.

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