Comprehensive Vs Third Party Liability Insurance Policy in Dubai

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Comprehensive
Vs
Third Party Liability Insurance Policy in Dubai
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• Number of road accidents showcase the importance
  and requirement of car insurance policy.
• Finding the most apt car insurance policy for
  your car is the challenging decision that one has
  to take.
• One must be quite sure about what all he
  requires.In Dubai, there are two types of
  insurance - namely comprehensive insurance policy
  and third party liability insurance.

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Third Party Liability Insurance Policy

• Third party liability covers you against death or
  bodily injury to any third party/person resulting
  in temporary or partial disability and damages to
  third party property arising out of use,
  explosion, combustion, scattering, drop of things
  from, movement, spontaneous movement or parking
  of your motor vehicle.
• More importantly, this policy does not cover any
  damage or loss to your own vehicle.
• Third party liability insurance policy is the
  minimum mandatory cover in Dubai, and it\ doesnt
  provide coverage to your vehicle if it is damaged
  or stolen.

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Third Party Liability Insurance Policy

• This policy doesnt include cover for damages to
  your own vehicle, no replacement car option
  available, and Injuries caused during an accident
  of the owner. If the car has been purchased on a
  loan most of the UAE banks wont encourage buying
  a third party liability insurance policy.

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Comprehensive Insurance Policy

• A comprehensive car insurance policy is a total
  package for your car to withstand any damages
  caused due to theft, accident, fire.
• This also provides third-party insurance cover
  damages caused by your vehicle to another party.
• You should check with your insurer at the time
  of applying whether if injury and passenger cover
  forms are part of your policy.
• Comprehensive insurance policy is the most
  selling covers in Dubai because of its wide
  advantages.

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Comprehensive Insurance Policy

• Below are instances which are usually covered by
  a comprehensive car insurance policy in Dubai.
• Vandalism
• Glass Damages (Windshield)
• Damages sustained by hitting an animal
• Fire
• Floodwaters
• Natural disasters
• Damage to third-party vehicle

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Comprehensive Insurance Policy

• Damage to your own vehicle
• What does the policy exclude?
• Depreciation of your vehicle
• General wear and tear of the car
• Mechanical or electrical failure
• Damage to tires
• Damages caused under the influence of alcohol

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THANKS