Agency Repair

Buying a car is one thing. Maintaining one, however, is another level!  A crucial thing in maintaining and financially securing our vehicles is car insurance. While car insurance in the UAE is mandatory, you can always add and adjust it to make it bulletproof.

One such add-on that ensures its all-rounded conservation is Agency Repair. While most car insurance plans include agency repair by default, some offer it as an add-on.

What are Agency Repairs?

Agency repair cover benefit is an insurance benefit for your car that allows you to get your car repaired at the agency or dealership from where you bought the car. This means you are entitled to get your repairs done by manufacturer-certified technicians and the complete cost is covered by the insurance company, minus the deductibles. Needless to say, agency repairs are expensive because every emirate in the UAE generally has only one dealer for each manufacturer. The car insurance plans that carry agency repair cover are relatively more expensive than the ones that don’t. 

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How Does Car Repair Insurance Work?

In the UAE, car insurance is obligatory, leading to its high demand

To manage costs and claims, insurance firms collaborate with auto repair shops to handle repairs on their behalf.

This arrangement benefits both parties: 

• Garages gain steady business from insurers
• Insurers enjoy reduced costs due to the consistent business provided to garages

Insurers can also oversee repairs to prevent inaccuracies or fraud in their expenditures.

What's the Process for You?

Importantly, there's no separate claim process for agency repair insurance UAE.You will simply need to submit a claim whenever the car requires repair. Your car will be then taken to a branded dealership where manufacturer-certified technicians will take care of the repair work.Once the repairs are completed, you may collect your car.

Important: If co-payment is involved, you may be required to pay an amount before your car is released.

Benefits of Choosing Agency Repair Insurance in UAE

Agency repair has many advantages. Let’s see some of the top pros of agency repair car insurance —

1. Quality Service: Insurer-selected garages ensure top-tier service with modern tools, advanced technology, and skilled mechanics.
2. Expert Mechanics: Profoundly experienced mechanics in authorised repair shops ensure proper and hassle-free vehicle repairs.
3. Warranty Coverage: Authorised garages offer warranty coverage on spare parts used in repair. This, in turn, allows for easy fixes in case of malfunction.
4. Proper Records: Agency repair shops keep records of all parts installed or replaced, relieving car owners from this responsibility and ensuring accurate information for insurance purposes.

Agency Repairs Vs Garage Repairs

Most people often confuse agency repair cover with the garage repair service of a car insurance plan. Garage repairs are done at garages that have been approved by the insurance company and not at the dealership workshop. The insurance company is responsible for authenticity and services provided since garage repairs are done at one of the network garages. This is not something you can get with agency repairs, although it is evident that genuine parts and expert technicians are used. Additional services are available when garage repairs are concerned.

Many insurance providers even offer pick up and drop services for vehicles to be repaired. Apart from that, since network garages are in a contractual arrangement and get quite a lot of business from the insurance company, they are relatively cheaper than the dealerships that handle agency repairs. On top of everything else, garage repairs may be quicker than agency repairs.

For more clarity on agency repair insurance UAE, here's an overview of both the add-ons -

Agency Car Repair Insurance	Garage Car Repair Insurance
Authorised directly by car brands	Pre-tested local shops/garages
Insurer is responsible for picking up the damaged vehicle	Owners have to transport the damaged car to the garage themselves
Takes a bit more time as only genuine parts and products are involved	Quicker repairs
Comparatively on the expensive side	Cheaper repairs since no guarantee of genuineness is involved

Difference Between Agency Repair and Garage Repair in Car Insurance

Is Agency Repair Insurance Cover Worth Investing In?

When you buy car insurance, you typically get agency repairs as an option. When included as a basic benefit, the cost is integrated into the total plan cost. On the other hand, add-ons require an additional payment on top of the premium. 

Agency repairs are particularly beneficial for newly purchased vehicles or those aged 3 or 4 years. Additionally, they are advantageous for luxury, high-performance, or classic cars where obtaining genuine parts from the general market is challenging.

When Should You Choose Garage Repairs?

As we saw earlier, if your car is new, expensive, or a vintage model, an agency repair cover will be suitable. Alternatively, garage repairs are ideal for swift repairs or if your car is older and a common model. 

Conversely, if you seek specialised services with genuine manufacturer parts and are willing to pay extra for insurance, agency repair cover is preferable. Ideally, choosing agency repair cover if your car is new, without any claims, or still under the company warranty, is advisable.

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In a Nutshell

Finding the right insurance cover for your ride is one of the most important things to do when you are preparing to buy yourself a new car. Whether it is about choosing the overall plan and finalising the purchase or making a decision about a small part of the plan, make sure that you have figured out the current requirements of your car and choose a cover accordingly. Agency repair cover is perfect for your car if it requires specialist service. Take assistance from our finance and insurance experts to make sure you choose the right cover for your car.

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