Coverage, add-ons and exclusions

When it comes to motor vehicle insurance in Dubai, it’s important to understand the coverage options available to you. Basic motor insurance typically covers third-party liability, which includes damage to another person’s vehicle or property. However, it’s recommended to consider add-ons such as comprehensive coverage, which provides protection for your own vehicle in case of accidents, theft, or natural disasters.

While motor insurance provides essential protection, it’s crucial to be aware of any exclusions in your policy. Common exclusions may include driving under the influence, using your vehicle for commercial purposes, or not maintaining your vehicle properly. Understanding these exclusions will help you avoid any surprises when filing a claim.

Documents and RTA rules to know

Before purchasing motor vehicle insurance in Dubai, make sure you have the necessary documents in order. This typically includes your Emirates ID, vehicle registration card, and driver’s license. Additionally, familiarize yourself with the rules and regulations set by the Roads and Transport Authority (RTA) in Dubai.

RTA rules may include requirements for vehicle inspections, registration renewals, and fines for traffic violations. By staying informed about these regulations, you can ensure that your motor insurance policy remains valid and compliant with local laws.