The “Excess” Slider: Mastering Your Premium Costs

Taking Control of Your Quote

When you buy car insurance online through CoverB, you will see a tool that looks like a volume slider. It’s for your “Excess” (the deductible). This is the most powerful tool you have to control your insurance cost in 2026. But how much should you actually choose? Let’s look at the math.

High Excess = Low Premium

If you agree to pay AED 2,000 in the event of an accident, your yearly premium might drop from AED 2,500 to AED 1,900. You save AED 600 upfront! If you are a safe driver who hasn’t had an accident in 5 years, this is a smart bet. You are essentially “betting on yourself.”

Low Excess = Peace of Mind

If you are a new driver or you park on a busy street where “hit and runs” are common, a low excess (AED 250 or AED 500) is better. You pay more every year, but you won’t have a massive bill if someone clips your mirror while you’re shopping.

The 2026 Strategy

At CoverB, we recommend choosing an excess that you can comfortably pay today without stress. If AED 1,000 would ruin your monthly budget, don’t choose a high excess just to save a few Dirhams on the premium.

Comparison Made Simple

The best car insurance in uae isn’t always the one with the lowest price; it’s the one with the best “Value Ratio.” Our site https://coverb.ae/motor-insurance/ lets you test different excess levels for 20+ car insurance companies in dubai instantly.

Conclusion: Be Your Own Underwriter

You know your driving style better than any computer. Use the CoverB excess slider to build a policy that fits your risk level. Visit us today and take control of your 2026 insurance costs!