Car Insurance for Sedan in UAE

Car insurance in the UAE is not only a legal requirement but also a smart financial decision. With a diverse range of road conditions and potential risks, having the right coverage is essential to financially safeguard oneself against accidents, theft, and damages.

The UAE has numerous insurance providers across the country that offer different car insurance plans for different car models and types. Whether you're a daily commuter or an occasional driver, understanding the car insurance market and its related information allows you to make informed choices, ensuring financial protection for you and your car.

In this article, we have specifically focused on Sedan car insurance, its importance, types, basic plan coverages, and much more.

Significance of Sedan Car Insurance

Car insurance comes in handy in several ways. To know its prime benefits, refer to the points explained below -

• It is mandatory to have car insurance in the uae. By having a valid car insurance policy, you can fulfill the legal requirements as per UAE traffic laws.
• Car insurance protects you financially as the reparation of a damaged car, treatment costs for injured individuals, and legal fees (if applicable) are quite expensive.
• Having car insurance in the UAE also financially safeguards you if you are held responsible for the accident/ car damage of a third party.
• In case of car theft, total loss, or destruction due to natural calamities such as floods, earthquakes, and others, the damages caused to your car can be covered under car insurance.

What are the Types of Sedan Car Insurance in the UAE?

Primarily, there are two types of car insurance in the UAE -

Comprehensive Car Insurance

Comprehensive car insurance in the UAE provides an extensive level of coverage for your vehicle. It financially safeguards you against a range of risks such as accidents, theft, fire, and more. Beyond covering third-party liabilities, comprehensive plans offer protection for your own vehicle's damages.

Third-Party Car Insurance

Third-party car insurance in the UAE is a mandatory type of coverage that protects you from financial liabilities if you cause an accident to a third party. It covers the costs of damage to another person's vehicle or property and any medical expenses for the injured party.

While this type of insurance doesn't cover your own vehicle's repairs, it ensures that you comply with the law and provides a safety net against potential legal and financial troubles.

Sedan Car Insurance Coverage & Addons

The table below enlists general inclusions, exclusions, and add-on plans provided by insurance companies for Sedan car insurance in the UAE -

Inclusions	Exclusions	Add-Ons
Third-Party Liability Damage to the Insured Vehicle Loss of Personal Belongings Windscreen Damage Emergency Medical Expenses Ambulance Service New Car Replacement in Case of Total Loss - Auto Gap Lock Replacement Valet Parking Cover Fire and Theft Cover Child Car Seat Replacement Agency Repair Car Registration Service	Involuntary Loss of Employment Insurance International Driving Licence Discount	Personal Accident (PA) Cover for Driver Personal Accident (PA) Cover for Passenger Natural Calamity Cover Replacement of Vehicle Roadside Assistance

How Much Does it Cost to Get Car Insurance for Sedans?

Car insurance seekers often have the wrong notion that insuring their Sedans is expensive. In the UAE, Sedan car insurance is actually easy to afford. You can, in fact, find multiple plans from different providers at varying price ranges.

On Policybazaar UAE, you can simply obtain car insurance quotes and find the top plans that suit your financial requirements.

Premiums for Sedan car insurance range between AED 550 and AED 3,050. Keep in mind that the mentioned rate may vary according to the plan and coverage you choose. In addition to that, you may have to pay an extra premium for some of the add-on plans if you include them in your plan.

Know the Car Insurance Cost in UAE

How to Buy Car Insurance for Sedan in the UAE?

Policybazaar.ae makes it pretty convenient to buy car insurance for Sedan. Our digital platform offers a wide range of features and has the best car insurance plans in one place so that you can find the best-suited policy to safeguard your car.

Mentioned below is a set of instructions to purchase car insurance through our digital platform -

• Visit policybazaar.ae and move to the ‘Insurance’ drop-down.
• Choose ‘Car Insurance’ and fill out the lead form with the correct details. 
  • You can also reach this section by simply clicking on the ‘car insurance’ icon on the homepage.
• Submit the form to get redirected to our car insurance quotes page.
• Check out the plans listed on the page and select the one that aligns with your requirements.
• Complete the further on-screen prompted instructions.

Note: Your car insurance policy details will be sent to the registered email ID after the payment is done.

As mentioned earlier, you can unlock several benefits by buying Sedan car insurance through our platform - 

1. With our tie-ups with the leading insurance providers across the UAE, you can find a diverse range of plans curated to meet your requirements.
2. Our website is easy to browse and makes it easy to explore and compare car insurance plans.
3. You can seamlessly make customisations to your plan.
4. The car insurance renewal process through our website is effortless.
5. Our customer care service team is available to guide you 24*7.

What is the Claim Process for Sedan Car Insurance?

Unforeseen circumstances can come your way unexpectedly, such as an accident while driving. This type of situation can cause mental and financial distress. However, you can overcome the financial loss simply by filing a claim for your Sedan car insurance. Staying aware of the claim process is crucial to prevent hassles at the time of actually making one.

For your reference, we have explained the steps involved in the car insurance claim process:

• The first step is to inform your nearest police station. To obtain a police report, it is essential to provide all the details of the incident accurately to the concerned authorities.
• Once done, notify your insurer to initiate the claim process.
• Visit the official website of the provider to download the claim form.
• Fill out the claim form and attach the required documents. Make sure to follow the guidelines regarding the size and format of the documents.
• Submit the form along with other documents.
• Wait for a response from your insurer. If your application gets approved, have your car shifted to one of the workshops present in your provider’s approved list.
• The officials of the car repair station will analyse the damages to your car and create an invoice.
• A copy of the invoice will be sent to your insurance provider.
• After receiving final approval from the insurer, your car servicing will begin.

How to File Your Car Insurance Claim in the UAE

Things to Keep in Mind While Buying Car Insurance for Sedan

When planning to buy Sedan car insurance, make sure to take a few points into account to avoid any mistakes and make an informed decision:

• Insurance providers offer a wide array of coverages, which you may or may not require. Thus, make sure to always list down your insurance requirements
• Search for multiple providers, keep track of their performance, and don’t forget to check their Claim Settlement Ratio.
• Shortlist multiple plans and compare them efficiently to find the ideal plan.
• It is highly advisable to read the policy details thoroughly to avoid any confusion later.
• Choose riders carefully as they offer additional protection to your car at a minimal cost or even for free.

Car Insurance for Other Body Types in UAE
Car Insurance for Trucks	Car Insurance for MPV
Car Insurance for Wagon	Car Insurance for Convertible
Car Insurance for Coupe	Car Insurance for Hatchback
Car Insurance for SUVs