The past decade that has gone by has seen the insurance industry in Dubai grow as rapidly as the city itself. A number of new companies dealing in insurance have been set up in Dubai, which are mostly locally owned and are small business enterprises. These companies cater and fulfill the insurance demands of the local and also expatriate population of the city. Insurance policies that are followed in Dubai are quite similar to those that exist in the West. Insurance covers are of various kinds and among them, car insurance is one of the most common types of insurance that is demanded by the car owners and offered by the insurance firms.

Car insurance protects the insured party from losses involving the usage of their vehicle. The different types of coverage that is available and may be bought includes Medical payments

Collision caused physical damage , Damage to property , Medical expenses , Bodily injury cover

Car insurance is one among the few personal insurance types that are modeled to meet ones daily requirements. In order to get your car registered in Dubai, you first need to have the adequate insurance papers. Only then can the car be registered in the city. Thus, it is a legal requirement in Dubai to have at least a third party insurance cover for your car. For this, there are a quite a few third party insurance brokers in Dubai to choose on from. However, the car and not the diver are insured in this case.

Car insurance in Dubai is calculated depending on the type of car that one buys and is normally available through the showroom itself. For the purpose, the insurers normally look at usual details like value of the car, manufacture year and also the chassis number. The rates of 3% to 8% are generally advisable. Therefore before signing up for any kind of insurance cover, first find out how much will the insurance cover of your car cost to you.

The various advantages attained as a result of insuring your car in Dubai are

Emergency medical expenses , Driver gets an injury cover , Recovery service which is round the clock , Repairs for the car is guaranteed , You also get an off road car coverage , It is also a simple enough procedure to go through , Third party cover for members of the family , Additional insurance covers for a nominal additional amount

Insurance besides being a legal requirement in Dubai is also the simplest way for people to cover for losses as a result of vehicle damage. Thus in case of absence of a proper insurance policy for your car, you run the risk of having to bear the entire cost in case of any damage caused to others or your car.

Car insurance types available in Dubai are:

Comprehensive with options , Comprehensive premium level , Comprehensive and Fully Comprehensive , Third party, Theft & Fire

It is always advised to one to search a good number of automobile insurance companies and seek personal opinions about them before selecting any one of them. This is to help you select the company which provides the highest degree of customer satisfaction and service. Insurance is pretty expensive in case of drivers and males to be more specific who are below the age of 25, luxury cars and cars that are more than 5 years old, and such insurance covers are also hard to find. Also remember that drinking driving and crashing does not warrant any insurance cover.

An insurance broker is one person who can help in getting an affordable and cheap car insurance deal. Quite a few banks too in Dubai provide such brokerage services. You can also negotiate a cheaper deal with your insurance company and in case of an expatriate avail an almost 40% discount on the actual amount on presenting an original no claims bonus certificate.

The best process is to shop around for best bargains including looking on the internet. Also look for policies which do not include what you do not require. Pay the premium annually and get a garage for your car. Another thing is to inform and keep your insurance agent updated with all your latest information.

After all, for a legal drive in Dubai, an insured car is necessary.

To know more about owning a car in Dubai. Stop by Dubai-bb.com where you can discover all about car insurance firms in Dubai UAE and services they can do for you.

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