Dubai Insurance Comprehensive Car Insurance in UAE

*Above mentioned prices are for Honda City EX 1.5L, 2017 model.

Table of Content

Dubai Insurance Comprehensive Car Insurance vs Dubai Insurance Third-Party Car Insurance
Benefits of Dubai Insurance Comprehensive Car Insurance
Dubai Insurance Comprehensive Car Insurance Inclusions
Dubai Insurance Comprehensive Car Insurance Exclusions
Dubai Insurance Comprehensive Car Insurance Add-ons
To Conclude
FAQ's

Dubai comprehensive car insurance is among the top options in the country if you are looking for the best car insurance Dubai. This plan covers a vast range of damages and gives you the confidence to drive around the country without worrying about repair expenses or liabilities.

Dubai Insurance Comprehensive Car Insurance vs Dubai Insurance Third-Party Car Insurance

Have a look at the table next to understand the differences between third-party and comprehensive car insurance plans of DIN -

Dubai Third-Party Car Insurance	Dubai Comprehensive Car Insurance
It is relatively affordable and easily obtainable for most people	It can be costly as it covers both third-party and insured party’s liabilities
If your vehicle is damaged in an accident, you won't get coverage for your own vehicle expenses	This insurance plan covers your own vehicle as well as third-party liabilities
Not many options for personalisation are available	Several customisation options are available via add-ons

Benefits of Dubai Insurance Comprehensive Car Insurance

Listed below are the benefits of the comprehensive car insurance plan offered by DIN -

You can get roadside assistance, which generally includes battery boost, mechanical repairs, emergency fuel delivery, flat tyre, and vehicle towing.
Ambulance charges are also covered under this comprehensive plan.
This Dubai Insurance car insurance plan also offers agency repair, meaning that your vehicle is entitled to be repaired by the manufacturer. However, it is mostly offered for new cars only and is only valid for 2 to 3 years from the date of manufacture.
With high third-party coverage limits, damages due to natural disasters, and others, this plan can provide you with peace of mind to drive — without stressing about car repair expenses or third-party liabilities.

Dubai Insurance Comprehensive Car Insurance Inclusions

Given below are the inclusions of car insurance Dubai by DIN -

Cover	Silver	Gold	Platinum
Third-Party Physical Injury (unlimited according to law)	Covered	Covered	Covered
Rent-a-car coverage according to Standard Unified Motor Insurance Policy Wording (Not Valid for Unknown/At Fault Claim)	Up to 15 days	Up to 15 days	Up to 15 days
Geographical Area	UAE	UAE + Oman (Subject to possession of the Orange Card)	UAE + Oman (Subject to possession of the Orange Card)
Third-Party Property Damage	AED 2 million	AED 2 million	AED 2 million
Natural Disasters as per Standard Unified Motor Insurance Policy Wording	Covered	Covered	Covered
Ambulance Expenses	AED 6,770	AED 6,770	AED 6,770
Agency Repair	Brand New Vehicle/0 km	First 2 years from Brand New/0 km	First 2 years from Brand New/0 km
Valet Parking — Theft Coverage	Not Covered	Covered	Covered
Passengers according to Standard Unified Motor Insurance Policy Wording	Covered	Covered	Covered
Riot, Strike, and Civil Commotion	Not Covered	Covered	Covered

Dubai Insurance Comprehensive Car Insurance Exclusions

Listed below are the general exclusions of comprehensive car insurance Dubai -

In case the driver had an invalid or expired driving licence or didn’t have one
Damages incurred while driving under the influence of alcohol, drugs, or any other intoxicating substance
Mechanical and electrical breakdown
Damages occurred due to intentional violations of UAE laws
Racing or vehicle testing
Regular wear and tear

Dubai Insurance Comprehensive Car Insurance Add-ons

With the comprehensive insurance plan of DIN, you can include the following additional covers -

Battery boost
Lockout service
Emergency fuel service
Documents delivery
Off-road help
Towing service

To Conclude

Dubai comprehensive car insurance offers plenty of benefits and coverage options to vehicle owners in the UAE. As you choose this car insurance plan, you get peace of mind from the excellent coverage features of this plan.

With this comprehensive car insurance plan, you can have coverage for everything — from theft and vandalism to accidental damages. Furthermore, you can choose from a wide range of add-ons that this plan comes with to customise its coverage as per your specific requirements.

All in all, you can expect excellent financial coverage and a worry-free driving experience with this plan.

Top UAE Comprehensive Car Insurance
GIG Gulf Comprehensive Car Insurance	New India Assurance Comprehensive Car Insurance
ADNIC Comprehensive Car Insurance	RAK Comprehensive Car Insurance
Sukoon Comprehensive Car Insurance	Tokio Marine Comprehensive Car Insurance
RSA Comprehensive Car Insurance	Adamjee Comprehensive Car Insurance
Noor Takaful Comprehensive Car Insurance	AFNIC Comprehensive Car Insurance
Oriental Comprehensive Car Insurance	Al Wathba Comprehensive Car Insurance
Salama Comprehensive Car Insurance	Union Comprehensive Car Insurance
Abu Dhabi National Takaful Comprehensive Car Insurance	Orient Comprehensive Car Insurance
DNIR Comprehensive Car Insurance	Watania Comprehensive Car Insurance
Al Sagr National Comprehensive Car Insurance	Dubai Insurance Comprehensive Car Insurance

FAQ's

Ans: As per the UAE Roads and Traffic laws, every vehicle owner should possess a car insurance plan that has at least third-party coverage.

Ans: If you hold a comprehensive car insurance plan and properly follow the claim process, you can get a cover for hit-and-run.

Ans: It is mandatory to file a police report for claim registration due to accidental damages.

Ans: If you are not at fault in an accident, you can have a replacement car for up to 15 days. Keep in mind that if you were at fault, you would be able to avail of the facility only if a clause confirming the same was included in your plan before the accident took place.