Tips for taking car insurance in Dubai

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TIPS FOR TAKING CAR INSURANCE IN DUBAI
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• Dubai is one of the busiest cities with increased
  vehicle lovers including both luxury and ordinary
  cars.
• Modernized roads and off road desert areas are
  highly crazy for drivers.
• Car insurance is a big industry in Dubai.
• By law in UAE, everyone should insure their
  vehicle.

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Types of car insurances in Dubai

• Third party liability cover
• This is an insurance policy that covers the
  bare minimum requirement.
• This plan covers for injuries and damages
  that are inflicted to other party.
• For the policy owner will not be benefitted
  from this. The outcome is very cheap and
  affordable plan for the customer.
• Comprehensive cover
• Comprehensive cover involves complete
  protection in case of accidents, whether it was
  your fault or not along with other raft depending
  upon the insurer.
• This plan doesnt stops here as it includes
  fire, theft and personal accidents.

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Documents required for a newbie

• The paperwork is the main thing that has to be
  sorted out primarily to attain a policy. Main
  documents required are
• Copy of drivers license
• Copy of vehicle registration number ( Proforma
  invoice ,if it is a new car)
• Copy of visa and passport page.
• The traffic department of UAE seeks a 13-month
  insurance certificate each time you register or
  renew a vehicle registration.

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Additional covers

• Car owner along with all the passengers who got
  injured in the accident that involved the insured
  vehicle will be benefitted.
• Third party property damage cover.
• Agency cover targeted to new cars or 2 to 3 years
  old where the cover ends before the cars reaches
  5 years.
• Emergency Medical Expenses cover
• Windscreen cover
• Extension to whole state of Sultanate of Oman for
  private vehicles (double excess)
• Natural Disasters, Storm, riot strike,
  Earthquake.
• 24 Hours Emergency Road Side Assistance
• Off Road Coverage for 4WD vehicles excluding
  safari activities.

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Premium calculation

• Factors determining the premium calculation.
• 1) Drivers age The insurance premiums tend to
  be high if the drivers age is below thirty.
• 2) Price of the car Costlier cars incur pricy
  premiums.
• 3) Car specifications A New car with a lot of
  safety features will have lower premiums
• 4) Drivers experience The more experienced the
  driver, the less will be the premium.
• 5) Off-road Coverage If you want off-road
  coverage for your vehicle, it adds to the price.
• 6) GCC coverage When you are in a GCC country,
  you can opt for GCC coverage, though premium
  prices will go up.
• 7) Breakdown coverage Price will even rise when
  we opt for breakdown.

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Renewal requirements

• 1) Passport
• 2) Visa copy
• 3) Emirates ID
• 4) UAE driving license
• 5) Car registration details
• 6) 13 month insurance certificate
• If you are opting for a new insurance company
  from your current one, you can present a no
  claims certificate to the new insurance provider
  to get discounts on the annual premium.

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• Oman insurance company is the leading insurance
  provider in Dubai who offers excellent policies.

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THANK YOU