Top 4 things you should know before buying car insurance

1. TPL or Comprehensive Insurance?
Car insurance is compulsory in the UAE. Chose between Comprehensive and Third Party Liability (TPL) insurance. TPL does not cover the cost of damage to your own vehicle; only if you damage other peoples’ property and physical injuries. In contrast, Comprehensive includes insurance under TPL and convers in addition to that the cost of repairs or replacement to your own vehicle and property whether you are at fault or not. You will also be covered against damages to your car due to accidental collision, overturning, fire, malicious acts etc.

2. Do I need agency repair?
Agency repair means that your car may only be repaired at the manufacturer’s authorized workshop. Sometimes this benefits is subject to providing a Non- Claim-certificate from your previous insurer if your car is older than 1 year. Some insurance companies offer agency repair as an additional cover.

3. Do I need a No-Claims Certificate?
No you don’t need it. But if you can get one from your previous insurer confirming that you made no claims during the policy term you can get discounts or have Agency Repair for more than

4. Do I need to submit any documents?
Yes you do. The insurance company require a proof of your identity, driving experience and vehicle details. If the car is registered in your name you need to submit (scanned copies are sufficient):
- Copy of your driving license; and
- Passport copy (main page and visa page); and
- Copy of the Vehicle Registration card or if it is a new car that has not been registered yet, a copy of the (pro-forma) invoice, or customs clearance documents declaring the vehicle details.

If the vehicle is registered as a company car you need to submit:
- Trade License copy; and
- Copy of the Vehicle Registration card or if it is a new car that has not been registered yet, a copy of the (pro-forma) invoice, or customs clearance documents declaring the vehicle details.


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