In the UAE, we’re a nation of drivers. We love our cars, whether it’s a nippy, zippy, city commuter or a 4x4 dune basher, a luxury sedan or a go-anywhere-do-anything, family-friendly SUV. However, without the right car insurance, you cannot put a single wheel on the road. As with any other country, car insurance in the UAE is a legal requirement. But if you’re looking around for the best car insurance in Dubai or cover for driving in Abu Dhabi, what do you need to think about? Here’s our quick guide to finding car insurance in the UAE.
This is the big one. Your age, and how long you’ve held your driving licence, will determine how much of a risk you are in the eyes of the insurance companies. In Dubai, you need to be at least 18 to drive (with the correct driver’s licence). The trouble is, the younger you are the bigger the risk you’re seen as by the insurance companies, because of a lack of experience behind the wheel. If you’re looking for cheap car insurance and you’ve only just passed your test, you may have to accept that you’re going to be paying a premium until you’ve got at least a couple of years’ experience under your belt.
The UAE’s black points system will also affect the cost of your insurance. The more black points you have on your licence for traffic violations, the more of a risk the insurance company will regard you to be. Keep your licence clean and your insurance premiums will be lower. Edge up towards the maximum of 24 and you’ll see your insurance costs go up proportionally when you try to renew your policy.
If you’ve held a licence in another country then there should be no problem in transferring your details over to the UAE. Again, the same factors will dictate what kind of premiums you pay, namely your age, how long you’ve been driving, and how clean your licence is.
The type of car or van you drive will also have a big influence on the cost of your car insurance. Quotes will depend on everything from the cc of the engine through to the make and model, year of manufacture, and whether the car is a petrol, hybrid or electric car. The more expensive and high-end your car, the more you’ll pay for the insurance. This is simply down to the value of the vehicle and how much it would cost to replace it if the original vehicle was written off or stolen.
For drivers in the UAE, there are also some religious and ethical considerations to take into account when choosing the right car insurance. Look for Islamic-compliant policies that adhere to the religious directive of treating a premium as a monthly contribution towards the welfare and wellbeing of the insured person. If you’re not sure if your policy wording or format adheres to this important point then it’s worth talking to one of the motor insurance team at Al Futtaim Honda. They’ll be able to work with you to find an ethical and Islamic-compliant policy.
There are two ways to hunt down cheap car insurance. The first is to go online and use a comparison site to check out car insurance companies in Dubai. However, this can take some time, and repeatedly typing in your details to get quotes can get a little tedious after a while!
The alternative is to talk to a dealership who may be able to do the searching for you. Not only are they usually on first-name terms with the various car insurance companies in the UAE, but they can use their influence as approved brokers to get a better deal for you.
If you’re confused about what car insurance to get, come in and talk to one of our friendly advisors at Al Futtaim Honda or submit an enquiry here, and we’ll be happy to help you find the best car insurance in Dubai.