Weekly Car Insurance – Why You Should Get One in the UAE?
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Safe driving and following the traffic rules are excellent ways to steer clear of car accidents. However, whether due to a lapse on your part or the third party, the risk of accident is always present. In such cases, individuals find themselves in need of immediate cash and assistance. For this reason, a car insurance policy is immensely important if you are a car owner.
Car insurance is crucial for everyone who owns a car. It protects you from financial loss in the event of an accident and allows access to remedial in a convenient manner. These plans provide the necessary protection to drivers in the form of rental reimbursement, compensation for fixing damage caused during an accident, and so on.
The UAE has stringent rules regarding vehicle ensuring, with the law prescribing car insurance (minimum third-party insurance) as mandatory in the country. Contrary to popular thought, this law applies to rental and temporary cars as well. However, there is ample confusion regarding the types of insurance plans available in such instances and the associated conditions.
Some of the notable car insurance plans for temporary requirements in the UAE are available in the form of ‘weekly car insurance’ plans. Keep reading below to know about these car insurance for a week plans, their types, and how they can be obtained.
What is Weekly Car Insurance?
Car insurance is mandatory in the UAE, irrespective of the car in question. This rule also applies to borrowed or rented cars. So if you wish to borrow a car for use for a week or more, you can get a weekly car insurance plan that will provide the requisite cover for that particular period. Car insurance for a week is a popular option for individuals who want to use a car for a particular duration without owning one.
If you are looking for affordable short-term insurance, weekly car insurance is your best bet. As one might expect, car insurance for a week will cost less than long-term plans. It offers coverage for one week or several weeks as per your requirement, which makes it perfect if you need to drive a car occasionally.
Why Do You Need Weekly Car Insurance?
As specified earlier, car insurance in UAE is mandatory . Moreover, even if you are driving a car for a week, the possibility of damage due to accidents remains. Consequently, if your borrowed car faces any damage in the specified duration, you may find it difficult to pay for the repair besides the rent to be paid.
A weekly car insurance plan solves all the mentioned issues, as they provide the required assistance at affordable prices for a short time. However, for your consideration, we have listed some of the advantages of having weekly car insurance here.
No Ongoing Contract After a Week
The best thing about taking car insurance for a week is that it doesn't come with any ongoing commitments, meaning that you would not be required to worry about the annual premium which is considerably higher than that for the weekly insurance plan.
Easy to Arrange
With several car insurance providers in the UAE, arranging a weekly car insurance policy can be completed in negligible time. You can ensure that you're covered when you want to plan your weekend getaways or other trips with a car with minimal effort and delay.
Comprehensive Cover All the Week
While weekly car insurance plans cost less than annual ones, there is no compromise on the benefits offered. If you get a comprehensive weekly car insurance plan, you will be able to receive benefits similar to the regular ones (within the specified limit). This makes for a great option for people wanting comprehensive cover without being tied up in long-term contracts and paying higher premiums for it.
Flexibility
One of the primary advantages of this plan is that it offers more flexibility than other plans. If you are concerned about your budget or the duration of the insurance plan, this is among the best options available in the UAE.
Business Trip
If you are driving your car in another state for business-related work, you can easily buy a weekly car insurance policy and have your car covered for the duration of the trip. Car insurance for a week is an affordable option for people using their cars in other states. For costs as low as AED 275 per week, you can financially secure your car for an entire week.
Types of Weekly Car Insurance
Gap Insurance
Whether you purchase a car on a lease or loan, the occurrence of depreciation is inevitable. Consequently, if your car faces irreparable damage after a few years of purchase, the amount that you will receive from your car insurance plan may be significantly less than what you paid for getting the car.
Gap insurance is an auto insurance policy that covers the difference between the selling value and the actual loan amount, with the latter being higher in most cases. So if your car is damaged and you are eligible for getting the market value of your car from the insurance provider, and if that amount is less than your loan amount, this "gap" will also be included in the funds transferred to you by your insurance company.
Rental Car Insurance
Rental car insurance is a car insurance plan that provides coverage for damage to a rented car (excluding liability) while it is being used by an individual on rent. However, it should be noted that this insurance does not provide coverage for damage if the renter is using their car, as that falls under the category of regular auto insurance.
Non-owner Car Insurance
Non-owner car insurance is a type of car insurance that protects drivers who are not the original owners of a vehicle. This type of insurance is usually required by lenders when you take out a loan to purchase a vehicle. While non-owner car insurance plans usually cost less than the full coverage ones, most of them still cover you in case of theft or damages. However, the coverage limits for non-owner car insurance are typically lower than those for the comprehensive car insurance plans for the self-cars.
How Much Does Weekly Car Insurance Cost?
Car insurance is a necessity for all individuals owning a car in the UAE. However, while searching for the best plans for your car, it is essential to know the approximate cost for the plan of your choice. The same applies to plans related to car insurance for a week, with several factors playing a crucial role regarding the price of your car insurance. The most common factors are:
- Model of your car
- Type of cover selected (third-party, comprehensive, and so on)
- Driving record
- Age
Note: Besides the mentioned factors, the cost of car insurance also depends on your location of residence.
Eligible for Weekly Car Insurance
To qualify for car insurance for a week, you and your vehicle must meet the following criteria:
General Criteria for the Applicant Weekly Car Insurance
- The applicant must be at least 21 years’ old
- An Emirates driving license must be possessed by the applicant
- The applicant must have been a UAE resident for at least the last 12 months
Besides the aspect, some other criteria that can be applied include a maximum limit of black points on your licence, not having a previous insurance policy declared void by an insurer, and so on.
General Criteria for the Car for Weekly Car Insurance
- The car must be registered in the UAE.
- The vehicle must be in good working conditions and have certification for the same
How to Get Weekly Car Insurance?
Applying for and obtaining car insurance for a week in the UAE is as simple as applying for a regular car insurance plan. You can complete the application process offline or online, as per your choice, with most of the steps remaining the same barring the mode.
The first step, irrespective of the mode of application, involves a detailed comparison of the available plans in your area in terms of rates, discounts, special offers, and others. You can easily get a weekly car insurance quote from several providers before settling, which will ensure that you get the best price possible. Moreover, it is recommended to have your vehicle inspected by a certified mechanic or agency to avoid any reduction in coverage on the basis of vehicle conditions.
If you apply online, simply visit the website of the provider of your choice and select a plan among the displayed ones. Fill out the application form related to your selected car insurance for a week plan and upload the documents as specified. You will be contacted by the insurance provider and informed about the next steps involved.
Offline application is also a valid method for getting a weekly car insurance plan. Simply visit a branch of the insurance provider of your choice and request an application form. Fill out the form and submit it along with the required documents to the provider. If your application is accepted, the provider will connect with you for further steps.
| Car Insurance Addons | |
|---|---|
| Personal Accident Cover | Agency Repair |
| Engine Protection Cover | IDV-Insured Declared Value |
| No Claim Bouns | Passenger Cover |
Frequently Asked Queries
Ans: Car insurance is a necessity for all drivers. You could be in for legal trouble as you will be fined and/or have your vehicle impounded if you are caught driving without insurance. If this is the case, you will face further difficulties due to the additional costs involved to get your vehicle back on the road. Besides the legal aspects, not having a car insurance plan can also lead to financial troubles as you are left without proper financial assistance amidst such an emergency.
Ans: Yes, you can buy car insurance for a small period and cancel it. However, it should be noted that if the plan is cancelled after a specific period, you will receive your paid amount after deductions (or not get any). While cancelling due to any emergency is acceptable, if you are aware that you require a car insurance plan only for a specific duration, you can always go for temporary car insurance such as car insurance for a week. These weekly car insurance plans are usually cheaper than regular car insurance.
Ans: The cost of car insurance for a week varies by your state of residence, your selected company, and so on. Some companies charge around AED 360 for the insurance plan, although the cost for a specific plan will vary.
Ans: If you need a 2 week car insurance policy, you can easily obtain one quickly. The process, whether for weekly car insurance or a 2 week car insurance plan, is essentially the same. You can compare different weekly car insurance quotes of the leading providers in the UAE, and buy one of your choice online or offline.
Ans: You can add multiple cars to your temporary car insurance at the time of purchasing by adding the details of all the vehicles you want to be covered. The insurance provider will then give you a list of how much coverage each vehicle is eligible for. However, it should be remembered that each plan and provider may have different limits for the number of vehicles covered in a temporary car insurance policy.
Ans: The following are the top 5 things that you should think about before buying short-term car insurance:
1) The type of coverage you require
2) Deductible amount
3) Discounts (if any)
4) Premium
5) Penalties and other important terms and conditions
Ans: Several UAE insurance companies offer temporary car insurance plans. You can check out the leading car insurance providers on our website. Simply visit our ‘car insurance’ section to know more.
Ans: Temporary car insurance usually lasts for a week or two weeks, although it can go up to three weeks in some cases. It is usually valid for the period of the rental or lease. However, in some cases, it can be valid for up to 30 days after the end of the lease or rental period.
Ans: Temporary car insurance is an affordable option for people who are not able to afford full coverage car insurance. It is also a good option for people who want to drive cars without buying one or those who only utilise their cars when they travel. Such car insurance for a week and 2-week car insurance plans ensure peace of mind regarding financial protection for your car at affordable rates for a short duration.
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