Emirates Car Insurance

Types of Emirates Car Insurance in the UAE

Here is a list of the types of motor insurance available under Emirates Insurance — 

1. Comprehensive Car Insurance
2. Third-Party Car Insurance
3. Customised Schemes
4. Bike Insurance
5. Motor Elite

Lets go over the top features and benefits of these Emirates car insurance plans in the UAE —

Comprehensive	Third-Party	Customised Schemes	Motor Elite
Comprehensive coverage for vehicle with numerous benefits	Basic Insurance that covers third-party's injuries and property damage	Highly customisable motor insurance solutions	Top-tier protection for luxury vehicles
Competitive prices, although usually more expensive than third-party insurance	Coverage for all private car types	Available for associates and employees of collaborating organizations	Off-road and on-road protection

Features & Benefits of Emirates Car Insurance in UAE

Some of the common benefits of Emirates car insurance Dubai include —

1. Personal Accident Benefits: Provides compensation for injuries or fatalities resulting from road accidents 
2. Roadside Assistance Cover: Offers immediate support for vehicle breakdowns, flat tyres, and lockouts 
3. Emergency Medical Expenses: Covers medical treatments and costs arising from accidents
4. Loss of Personal Belongings: Provides reimbursement for personal belongings damaged or stolen from the insured vehicle 
5. Excess Waiver on Windscreen Damage: Waives the excess amount typically required for windscreen damage claims
6. Hire Car Benefits: Offers the option to receive a courtesy car while the insured vehicle is undergoing repairs, ensuring uninterrupted mobility for drivers
7. Natural Perils & RSCC: Extends coverage to include damages caused by natural disasters and riots
8. Oman Cover: Extends insurance coverage to include travel in Oman, allowing policyholders to drive across borders with confidence
9. Off Road: Provides coverage for damages incurred while driving off-road — suitable for those seeking adventurous excursions beyond paved roads

Eligibility Criteria for Emirates Car Insurance in UAE 

To buy Emirates car insurance online or offline, you must fulfil the following requirements —

1. You must be a UAE resident 
2. You must be at least 18 years old at the time of applying

How to Buy Online Emirates Car Insurance in the UAE Through Policybazaar.ae

With Policybazaar.ae, you can easily get Emirates car insurance within a few clicks. Our platform helps you compare quotes and buy car insurance online right from the comfort of your home. 

Simply follow these steps -

• Step1- On policybazaar.ae, head to the ‘car insurance’ section.
• Step2- Fill out the lead form — this will take you to our car insurance quotes page.
• Step3- Explore and compare the options based on their features, premiums, and more. 
• Step4- Choose the most relevant option as per your requirements.
• Step5- Select the option to apply for your preferred car insurance plan. 

Documents Required to Apply for Emirates Car Insurance 

To get Emirates Insurance for car, certain documents may be required — 

1. Driving licence
2. Emirates ID copy
3. Details like the chassis number, engine number, and more if your vehicle is being registered in the UAE for the first time 
4. Mulkiya if the vehicle is already registered in the UAE 

Besides the list above, you may be asked to present certain documents.

Emirates Car Insurance Claim Process

If you've been involved in an accident, you can easily file a claim with Emirates Insurance for car. Here's a step-by-step guide to ensure a smooth claim experience —

• Immediately after the accident, ensure the safety of all parties involved. If necessary, call for medical assistance to attend to any injuries.
• Contact the police and obtain a police report detailing the incident. This document will be necessary for the claim process.
• Next, connect with your insurance company and initiate a claim through any of the available channels:
• You can utilise the Online Notification tool for instant Coverage Confirmation and proceed to your assigned repairer. 
• Note that you can dial 800 18 to report your claim over the phone. You can also Send an email to motorclaims@eminsco.com with the details of your claim.
• Depending on your Policy Schedule, drop your car at your chosen repairer or local agency.

Next Steps

• Emirates Insurance will register your claim and send you a reference number via SMS or email.
• After you drop off your vehicle at an approved repairer or local agency, the repairer will submit an estimation of the required work to the insurer.
• Emirates Insurance will survey the vehicle and send approval within 48 working hours. Keep in mind that most repairs in the non-agency network are pre-approved.
• You will be notified when the work is complete. On receiving the message, make arrangements to pick up your vehicle.

Note: During the Emirates Insurance claim process, you can use the following services as well — 

1. Roadside Assistance: If your vehicle is undrivable and you have Roadside Assistance cover, you can contact the 24/7 Emergency Hotline at 800 73 for assistance.
2. Rental Car: If your Policy Schedule includes Hire Car Benefit, simply dial 800 18 to confirm eligibility and get a courtesy car.