RAK Car Insurance : Compare & Renew Motor Insurance in UAE, Dubai

RAK car insurance is one of the best auto insurance providers in the UAE, offering comprehensive coverage. With a RAK plan you can drive your car worry-free, knowing that you and your vehicle are protected by the best in industry.

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

RAK motor insurance offers broad coverage at competitive prices. With RAK, you can go beyond the built-in protection and customize your existing auto insurance policy based on your insurance needs to make the motor insurance plan.

Types of RAK Car Insurance

Currently, RAK offers three types of car insurance plans and they are as follows:

1. RAK Comprehensive Car insurance Gold Plan

2. RAK Comprehensive Car insurance Silver Plan

3. RAK third-party liability car insurance plan

Now, lets take a closer look at the coverage offered by these RAK motor insurance plans:

Coverage	Gold Plan	Silver Plan	Third-Party Liability
Third-party liability property damage	Up to AED 3.5 Million	Up to AED 2 Million	Up to AED 2 Million
Roadside assistance	Yes	Yes	Optional
Windscreen damage cover	No Deductible (a maximum of AED 3K)	No	No
Geographical cover outside UAE (own damage cover)	Oman and Qatar	Oman and Qatar	No
Personal accident benefit cover for driver	Up to AED 200,000	Optional (Up to AED 200,000)	Optional (Up to AED 200,000)
Personal belongings cover	Up to AED 5K	No	No
Rent a car benefit	Optional (a maximum of 10 days)	Optional (a maximum of 10 days)	No
Personal injury for policyholder and/or spouse	Up to AED 30K	No	No
Emergency medical expenses	Up to AED 5K	No	No
Replacement of locks	Up to AED 1K	No	No
Own damage (physical loss to the automobile)	Yes	Yes	No
Unlimited- third party bodily injury	Limit set by United Arab Emirates courts	Limit set by United Arab Emirates courts	Limit set by United Arab Emirates courts
National ambulance services	Yes	Yes	Yes
Comprehensive cover availability	Up to 15 years	Up to 15 years	No
Geographical scope of cover(United Arab Emirates)	Yes	Yes	Yes
Complimentary agency repairs	3 years	1 Year	No
Agency repair	A maximum of 5 years	No	No
Premium garages	Yes	Yes	No
Dynatrade repairs	Yes (Based on allocation)	Yes (Based on allocation)	No
GCC cover (own damage coverage)	Oman and Qatar	Optional (Oman and Qatar)	No
Natural calamities	Yes	No	No
Strike and riots	Yes	No	No
Auto GAP (for brand new vehicles only)	Six months	No	No
Valet parking theft coverage	Yes	No	No
Off road coverage	Yes (4WD only)	No	No
Personal accident cover for passengers	Optional (a maximum of AED 200,000)	Optional (a maximum of AED 200,000)	Optional (a maximum of AED 200,000)
No claim discount	No	No	No
Safeguarded No claim discount	No	No	No
Track day coverage	Optional	No	No
Orange card (Oman cover third-party liability only)	No	No	No
Benefit of courtesy car cash	Optional	Optional	No
Luxury Rent a car	No	No	No
Taxi fare	No	No	No
Garage repair guarantee (body & paint)	No	No	No
Garage repair guarantee (mechanical)	No	No	No
Coverage of motor trade road risks	No	No	No

Key Features and Benefits of RAK Car Insurance

RAK car insurance has plenty of attractive features and benefits that make make it stand out in the car insurance market. Let’s take a look at them:

Reasonable Pricing: RAK car insurance in RAS AI Khaimah and across the UAE offers comprehensive coverage at affordable price points.
Extensive Coverage: RAK car insurance offers several covers in gold, silver and third-party liability car insurance plan to offer complete protection when you’re on the road.
Easy Instalment Plan: RAK offers an easy installment plan facility that allows you to convert your car insurance policy premium into equated monthly installments. You can pay premiums in easy 3, 6, 9, or 12 months’ installments.
Roadside assistance: RAK BANK motor insurance offers 24x7 free roadside assistance service in case of emergency support, in the event of a mechanical or electrical breakdown.
Car Registration Renewal Facility: With this car insurance Dubai, you can avail of a car registration renewal service on a complimentary basis.
Comprehensive Coverage: You can avail of comprehensive coverage for a maximum of 15 years.
Dealer’s repair coverage: With the RAK Car Insurance, the dealer’s repair coverage is available for a maximum of 5 years.
Attractive Discounts: Safe drivers can save up to 50% on their RAK car insurance premiums.
24x7 Customer Support: RAK car insurance has a team of dedicated customer support representatives who are trained to assist you with all your auto related queries.

Additional Covers Under RAK Car Insurance

There are several additional covers/add-ons available under RAK car insurance. You can opt for any add-ons of your liking by paying a little extra premium to enhance the coverage. Let’s take a look at RAK’S additional covers:

Rent a car benefit
Personal accident cover for driver
Personal accident cover for passengers
Benefit of courtesy car cash
Track day coverage

RAK Car Insurance Eligibility Criteria

Below-mentioned is the eligibility criteria to buy RAK auto insurance:

All the RAK customers are eligible to buy RAK Car Insurance.
UAE residents can also opt for the car insurance offered by RAK.
To be eligible for RAK motor insurance, all customers must have a valid driving license in the UAE.

Documents Required to Apply for RAK Car Insurance

You need to submit the following documents to apply for RAK car insurance:

Copy of vehicle registration
Copy of driving license
Copy of passport with a valid visa page
Vehicle quotation copy/LPO (for brand new automobiles)

RAK Car Insurance Claim process

Filing for a a RAK car insurance claim is simple and straightforward. All you need to is follow the steps given below and get your due claim:

Step 1: Report an Incident to the police.

Go to the police, report the matter and get a police report.

Step 2: Inform the Insurer

Then you must notify RAK by calling on the RAK insurance motor claim contact number 04 2130000 or send an email at GI@rakbank.ae. Alternatively, you can visit a nearby RAK branch to file for a claim.

Step 3: Submit Required Documents

Submit all the required documents like - original police report or court documents, claim form, driving license, registration copy, passport etc.

Step 4: Claim Assessment

Once the documents are submitted, the insurer will assess the details and initiate the claim process.

Important Articles Related RAK Car Insurance
RAK Car Insurance Reviews	RAK Car Insurance Claim
RAK Comprehensive Car Insurance	RAK Third Party Car Insurance

FAQ's on RAK Car Insurance

Ans. If you opted for agency repairs, your car will be sent to the authorized dealer’s garage. Garage is often allocated on the basis of the type of vehicle, garage availability and nature of damage.

Ans. The car insurance company considers several factors while calculating car insurance premium. Right from the driver’s age, driving experience, location, and claims history to vehicle value and type, RAK considers all these factors to decide the car insurance premium for any individual. Also, it may vary from one person to another due to variation in details provided by him/her.

Ans. No, you do not need to carry your policy documents everywhere you go. You can just carry your registration card since it has the insurance policy number on it.

Ans. Let’s take a look at key benefits of the comprehensive car insurance policy by RAK:

Complimentary agency repairs for the initial 2 years (for brand new vehicles only).
Complimentary Silver AAA card for emergency roadside assistance service.
Complimentary natural calamity cover - riots, strikes, earthquakes, storms, etc.
Geographic extension cover to sultanate for Oman for a maximum of 13 months (this is valid for brand new vehicles only)
There is no excess for windscreen damage claims.

RAK auto insurance offers exclusive benefits that aren’t provided by other car insurance companies.

Ans. There are many reasons why should you opt for 13 months of car insurance. Let’s take a look at a few ones here:

The traffic department of the UAE insists people on a 13 months’ insurance certificate every time they register an automobile.
The 13 months’ insurance need is intended to minimize number of uninsured automobiles on the roads.
The traffic department offers you registration for one year and provides one month extra as a grace period to allow you to re-register the same year.