If you are caught driving without car insurance in Dubai, you can end up with black points on your driving license and a hefty fine. In some cases, the authorities may impound the vehicle and send you to jail. Most countries have made car insurance mandatory. So, the best thing to do is avoid driving without car insurance altogether. We recommend that you buy car insurance online in Dubai. Why?
There are several benefits, including:
Instead of visiting the insurance providers’ offices, buy online. It is convenient and time-saving.
Most automobile insurance companies in Dubai offer discounts when you buy a policy online.
Instead of manually comparing different policies, you can use online tools to compare two or more policies.
While buying car insurance online in Dubai is a straightforward process, you need to be careful. The reason is that you might end up getting scammed or with a policy that does not meet your requirements. So, follow our tips.
Tips Before Buying Best Car Insurance in Dubai
Here is what you need to keep in mind:
Cancel the Old Policy
If you already have a policy and are looking for a new one, do not forget to cancel the old one. Your new insurance company might ask for proof of cancellation.
Find the Insurance Companies
Countless insurance companies are operating in the UAE. But not all of them are worth your money. So, what you need to do is conduct a little bit of research. Go through the customer reviews on Google and other forums to know what people say about the company. It will help you get an idea about which is the best insurance company. Do not discard the lesser-known companies. The reason is that they might offer excellent deals to attract customers. Hence, we recommend conducting detailed research where you go through at least 10-15 companies.
Once done, move to the next step.
Determine Your Requirements
Do you know the difference between third-party and comprehensive automobile insurance? If you already have car insurance, then we expect you to know the difference. If not, then there is no cause for worry. Third-party insurance offers protection to you against damages or injuries to others by your automobile. So, it does not cover damages to your vehicle in case of an accident. If you want protection for your car along with third-party liabilities, then you must opt for comprehensive insurance.
Insurance providers often give numerous add-ons that you can buy with a policy. For example, Dubai is famous for dune bashing. Resultantly, numerous automobile insurance companies in Dubai offer a protection add-on for desert driving. There are also that extend the insurance cover to GCC countries.
Talk to the Representative
Once you have jotted your requirements, it is easier to talk to the company’s representative. Be specific regarding your requirements as it will help the representative provide you with a policy. Once they give a quote, tell them that you will get back to them later. Then, call other companies’ representatives. Repeat the process until you have at least 5 quotes.
Once you have all the required quotes, compare each policy. Do not go for the cheapest option as the cheapest is not always the best. The same applies to the most expensive. Instead, see what they are offering and excluding. Does it fit your budget and requirements?
The last thing that you need to do is negotiate with the insurance company. Ask for as many discounts as possible. It will help you get a lower premium. Please do not be embarrassed or afraid when asking for discounts as it is something that every insurance company expects from the customers.
Once you are satisfied with the policy, finalize it. We recommend that you keep checking for new policies frequently. Who knows that you might get a better deal than your existing one. So, keep shopping around. If you are paying online, ensure that the website is SSL protected. The SSL certification makes sure that the information is encrypted and no one can see it.
It concludes today’s blog post about tips to follow before buying car insurance online in Dubai. If you have any questions in mind, feel free to let us know. We will get back to you promptly.
Abeera Aftab is a Digital Marketer having years of experience at PitstopArabia | Best car washUAE services Provider. She is a Social Media geek, a complete foodie, and enjoys trying varied cuisine.