Mercury Car Insurance

In 1989, the Mercury division of Ford Motors witnessed a major transition to diversify its product line. Mercury cars are offered in many segments including sedans, sports cars, SUVs, and minicars. Ford Motors discontinued its mercury division in 2011. However, several mercury models are still available across the world. This article will explore the available Mercury car insurance options across the UAE and how you can utilise them to protect your financial interests.

Mercury Car Insurance in the UAE

All car owners must get a proper car insurance plan for their vehicles as per the compulsory legal requirement of UAE RTA Law. Third-party liability insurance is the minimum mandatory coverage that can cover your legal responsibility. However, it is crucial to have complete protection with comprehensive car insurance coverage to have a financial backup for all implications of unfortunate incidents like accidents, thefts, etc. You can compare and buy the best suitable car insurance policy online in the UAE using platforms like Policybazaar.ae.

Below-given is a tabular representation of the top Mercury car insurance plans available in the UAE:

Mercury Grand Marquis Car Insurance Plans
Provider Name	Plan Name	Third-Party Liability Cover
New India Assurance	Comprehensive (Garage)	AED 2 million
Al Sagr Insurance	Comprehensive (Garage)	AED 2 million
Noor Takaful – Watania	Comprehensive (Mumtaz Agency)	AED 3 million
Oriental Insurance	Comprehensive (Agency)	AED 2 million
Salama Insurance	Comprehensive (Garage)	AED 3.5 million

Mercury Mariner Car Insurance Plans
Provider Name	Plan Name	Third-Party Liability Cover
New India Assurance	Comprehensive (Garage)	AED 2 million
Al Sagr Insurance	Comprehensive (Garage)	AED 2 million
Oriental Insurance	Comprehensive (Agency)	AED 2 million
Salama Insurance	Comprehensive (Garage)	AED 3.5 million
Aman Insurance	Comprehensive (Standard Agency)	AED 2 million

Mercury Montego Car Insurance Plans
Provider Name	Plan Name	Third-Party Liability Cover
New India Assurance	Comprehensive (Garage)	AED 2 million
Al Sagr Insurance	Comprehensive (Garage)	AED 2 million
Noor Takaful – Watania	Comprehensive (Mumtaz Agency)	AED 3 million
Oriental Insurance	Comprehensive (Agency)	AED 2 million
Salama Insurance	Comprehensive (Garage)	AED 3.5 million

Car Insurance Premium for Mercury Cars in the UAE

The premium for Mercury motor insurance in the UAE depends on various factors including the insured declared value or the car. Mercury insurance cost generally ranges around 3.25% of the car's market value. However, the premium is calculated based on various factors such as the comprehensiveness of cover you opt for, vehicle details, driver’s record, etc. Premium can vary from one insurance company to another, depending on the underwriting of their plan. Buying mercury insurance online allows you to get more cost-efficient plans as compared to the ones available offline.

Types of Mercury Car Insurance Plans in the UAE

There are two main types of car insurance policies offered in the UAE – comprehensive and third-party liability plans. Let’s take a look at the different types of car insurance plans available:

Third-Party Liability Car Insurance Policy

Third-party liabilities may occur as a result of damages incurred by any third-party person in an accident where you, the policyholder, are at fault. The car insurance policies designed to cover these third-party liabilities are called third-party liability car insurance plans. These policies do not cover any damages incurred by the policyholder, whether it is injuries or vehicular damages. Some plans may extend their coverage to legal expenses incurred by the third-party person and ambulance services.  

Comprehensive Car Insurance Policy

A comprehensive car insurance policy is flexible and customizable – designed to provide complete financial protection against all own damages and third-party liabilities. You can extend the coverage scope of your Mercury comprehensive car insurance plan by opting for various additional benefits or add-ons offered by mercury insurance companies. You can avail of various mercury insurance services by opting for add-ons like roadside assistance cover, Oman extension, personal accident covers and more. Many insurance companies offer Mercury comprehensive insurance coverage with different levels of comprehensiveness to suit your individual insurance requirement.

Why Buy Mercury Insurance Policy?

A car is one of the most valuable assets that you own. Hence, it becomes imperative to take all necessary steps to secure it financially. Buying comprehensive coverage for your Mercury car has a lot of benefits that can save you from an unannounced financial burden. Let’s take a look at some of the important benefits that make buying a mercury insurance policy important for your car:

• Covering third-party liabilities arising from damages caused in the accident where you were at fault can be really expensive. A good Mercury insurance policy helps compensate the third party dues eliminating the financial burden completely.
• Repair and replacement costs of your own car can prove to be quite burdensome. But your Mercury insurance cover them all for you. A comprehensive insurance policy provides your vehicle coverage for damages caused by various perils including accidents, theft, vandalism, robbery, and natural calamities.
• All comprehensive Mercury car insurance plans are customisable allowing you the freedom to curate coverage ideally suiting your unique requirements. Add-ons offered by the insurance policy help you avail yourself the extended coverage and include benefits like auto gap insurance, roadside assistance, etc. A customisable insurance policy with extensive coverage provides you with complete financial protection.
• A wide network of garages agency garages is provided with each car insurance plan available in the country. You can easily get your car repaired from a network or agency garage of your choice.

Inclusions of Mercury Insurance Plans

Let’s take a look at the inclusions provided by Mercury comprehensive car insurance policies:

• Third-party liability coverage for -
  • Liabilities arising from the death of a third-party person
  • Liabilities arising from the bodily injury caused to a third-party person, either inside or outside the motor vehicle
  • Property damages to a third-party vehicle
  • Ambulance cover
• Loss or damage to the insured vehicle -
  • Due to accidental run-over, turnover, collision or road accidents
  • Due to robbery or theft
  • Due to a willful act of a third-party person
  • Due to external fire, lightning, explosion, or spontaneous combustion
  • During land transport, inland water transport, lifting machinery or elevators (including loading and unloading processes related to all modes of transport)
  • Due to natural calamity or natural perils
  • Due to strikes, riots, etc.
• Agency repairs
• Windscreen damages
• Loss of personal belongings

Add-on Covers for Mercury Car Insurance

Add-on covers offered by mercury insurance companies help you enhance the comprehensive car insurance coverage and match it to your requirements exactly. These are optional covers that you can avail of at an additional premium. Some common add-ons offered with Mercury car insurance policies are:

• Gap Insurance: Gap insurance for mercury cars covers the difference between insurance settlement money and the remaining loan amount when the insured vehicle is declared as a ‘total loss’ or any other perils covered under the policy. Gap insurance is only useful when you have financed your car.

• Roadside Assistance: Roadside assistance includes mercury insurance services such as towing service, emergency fuel service, battery boost service, flat tire service, lockout service, car registration service, off-road assistance, etc.

• Lock Replacement: This add-on provides coverage for the cost of replacing the door lock, boot lock, ignition and steering lock, car key, and central locking system if you lose the car keys or are locked out of the car.

• Temporary Rent a Car: This add-on covers the cost of renting a car for use until the insured vehicle is fully repaired.

• Personal Accident Cover: Available for both drivers and passengers, a personal accident cover offers coverage and compensation for injuries, death and disability of the insured person due to an accident.

Add-ons offered may vary from one insurance company to another. Choose only the relevant add-on covers as they come with additional liabilities.

Exclusions of Mercury Insurance Plans

The following are the general exclusions of Mercury car insurance plans available in the UAE:

• Losses or damages to the insured vehicle due to mechanical breakdown, defect, or breakage of electrical devices.
• Losses resulting from vehicle overload over the specified limit
• Losses arising as a result of using the vehicle for purposes that are not specified in the policy
• Losses arising as a result of the violation of law
• Losses arising as a result of using the motor vehicle for a speed race or test
• Losses arising as a result of driving the vehicle under the influence of alcohol, narcotic substances, and drugs
• Damages are caused when the vehicle is driven without a valid driving license
• Damage or loss that occurred outside the geographical territory set out in the policy
• Consequential losses
• War and nuclear perils
• Losses incurred due to voluntary negligence of the policyholder

Process of Car Insurance Renewals for Mercury Cars

The process of Mercury car insurance renewal is simple and convenient.  You can complete your mercury insurance renewal through Policybazaar.ae or from the provider’s website. Renewing your plan with policybazaar.ae is easier, safer and swift requiring only a few minutes. If you are an existing customer, visit policybazaar.ae and log in using your customer credentials. Open your profile and click on the ‘car insurance renewal’ option for your Mercury car. Provide your existing policy details to get the Mercury car insurance quote for renewal. Find the plan you wish to renew with and begin the application process. Check the details and pay the premium to complete the process of Mercury insurance renewal.

If you are a new customer on policybazaar.ae, visit our main car insurance page and fill out the lead form available there. Submit the form to get Mercury car insurance quotes. Compare the relevant plans and choose one as per your requirements. Now, fill out the application form, upload the documents and pay the premium to complete the Mercury car insurance renewal process.

Alternatively, visit your provider’s website to renew your car insurance plan. Follow the required steps for renewal as mentioned by your provider and complete the process. You may also renew your plan from a branch office of the provider.

Mercury Car Insurance Claim Procedure

Let’s take a look at the step-by-step process of claim submission against your Mercury car insurance:

• Report the Accident

Mercury car insurance claim needs to be initiated immediately by intimating the insurance company about the incident/accident. In addition to that, report the incident to the police and obtain the police report as it is important for processing the claim. You can report the incident to your insurance company by calling, sending an email, or online.

• Document submission

Submit all the relevant claim-related documents to the insurance company along with a duly filled claim form. You can get the claim form from the provider’s official website.

• Claim reference number

Ensure to save the claim reference number sent by your car insurance company to track the progress of your Mercury car insurance claim.

• Assessment of claim

After the submission of claim documents, the insurance company appoints a surveyor to assess your claim. Based on the surveyor’s report, the insurance company sends approval for your claim.

• Final settlement of the claim

Once the claim is approved, you can take your car to a nearby network or agency garage. The repairs will begin when you have paid off the due deductible. The remaining compensation would be directly paid to the authorized network garage by the insurance company once the vehicle has been repaired.

Documents Required for Mercury Car Insurance Claims

Submitting the right set of documents is an important part of car insurance claims. Ensure to submit all the relevant documents to avoid claim rejection or delay in settlement.  Here are some important documents you need to submit for Mercury car insurance claims:

• Mercury car insuranceclaim form (duly filled)
• Driving license
• Policy number
• Mercury car registration card
• Police report/Saaed report
• Car modification certificate (if any)
• Proof of the incident, picture or video, contact details or identification details of the third-party person involved (optional)

The insurance company might ask for additional documents depending on the nature of the claim.

How to Buy Mercury Car Insurance Online?

You can buy your Mercury insurance online without any hassles with Policybazaar.ae. All you need to do is visit our websites and open the car insurance section where you can find the lead form. Fill out this form and choose the car brand as ‘Mercury’. Provide all other required vehicle details and submit the form to get Mercury insurance quotes from various insurance providers. Compare the quotes and features, and then proceed to fill out the application form for the policy that you intend to buy. Pay the premium and complete the purchasing process. The policy documents will be sent to your registered email id instantly and the coverage will begin soon after.

Why Buy from Policybazaar.ae?

You can hope to enjoy the below-given benefits and more when it comes to purchasing your Mercury insurance policy from policybazaar.ae:

• The best car insurance quotes from all top providers in the UAE.
• Prompt responses from our 24x7 customer support cell and real-time solutions.
• Ease of research, comparison and purchase using a singular integrated platform.
• In-house experts to guide you with your insurance and finance-related decisions.
• Secure payment gateways to ensure online transaction safety.

Following are some frequently asked questions about Mercury car insurance plans in the UAE. Scroll and read to see what other car owners are asking.

Frequently Asked Questions

Q1. Is the Mercury car insurance policy expensive in the UAE?

Ans: Mercury car insurance policies in the UAE can be purchased online at competitive rates. Most Mercury car insurance plans cost about 3.75% of the current market price of the car.

Q2. When should I renew my Mercury car insurance policy in the UAE?

Ans: Mercury car insurance policies in the UAE are required to be renewed yearly. A grace period of 30 days is given to renew the policy which gives a total of 13 months before your Mercury car insurance shall be renewed.

Q3. From where can I purchase insurance for my Mercury car?

Ans: You can purchase Mercury insurance online at Policybazaar.ae. You can easily compare quotes from top insurance providers in the country here and find the most cost-effective plans for your car.

Q4. How is the Mercury car insurance price calculated?

Ans: Mercury insurance costs are calculated based on the insured declared value of your vehicle, type of insurance coverage, vehicle details, add-ons availed, claim history, driving record, geographical location, etc. It can also depend on the underwriting of the insurance plan.

Q5. Should I buy my insurance from a Mercury tie-up insurance company?

Ans: Mercury tie-up insurance companies in the UAE offer you customizable, comprehensive car insurance coverage at the best rate which can be found on Policybazaa.ae along with several other providers. Compare and choose a company that offers the best benefits at the lowest prices.

Policybazaar UAE – Helping you navigate the wilderness of the insurance world!