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 car insurance packages, it provides additional security to the vehicles. High-value or brand-new cars 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 car 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 car insurance in UAE. 

Roadside assistance: 

With this additional coverage, you can expect assistance for tyre punctures, fuel shortages, battery damage/ drainage, flat tyres, 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 car 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 car or the car owner.

Emergency medical expenses:  

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

Windscreen cover: 

Driving a car 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.

No claim bonus protection coverage: 

You can secure your no-claim bonus with this With No-claim bonus (NCB) protection coverage. Under this coverage, the premium amount is reduced even if you raise a claim. However, this coverage is only applicable to the insured vehicle’s damages.  

Engine repair cover: 

If your car meets with a major head-on collision, or it is parked in an area prone to natural disaster, the very first thing that gets damaged is the car’s engine. So, opting for an engine repair add-on helps you repair the engine at the earliest and without any financial stress. 

Consumable parts cover: 

Diverse consumable parts like bolts, nuts, engine oil, coolants, grease, ball bearings, AC gas etc. may need to be replaced while a car is in use. Each part may cost differently than others. A comprehensive add-on coverage to bear the replacement expenses for these parts is helpful, indeed. 

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 car’s damages.

Renting car coverage:

Whether it is going for a weekend getaway or moving around in a new city for a couple of days, renting a car is a feasible option. However, most motor insurance policies do not cover the damages on rented cars. Even if some policies cover, the coverage is only for third-party liabilities. Therefore, to avoid any financial burden in case your rented car gets damaged, get an add-coverage under your motor insurance policy. 

Geographical area coverage:

Motor insurance in the UAE usually does not extend beyond the country’s border. As a result, if you drive your car in a foreign country, and any mishaps occur leading to damage or loss of your car 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.