Car Insurance in Dubai for Expats: What You Need to Know

Car insurance for expats in Dubai needs paying attention to:

1.     UAE Driving License is valid

The majority of insurance firms make sure their clients have a valid driving license in the UAE. Although international driving permits (IDP) are temporarily accepted, most insurance companies do not cover cars driven by a person without a UAE license, particularly when using a borrowed car. Expatriates are encouraged to secure a license in UAE so that they are fully insured.

2.     Insurance Coverages and Amendments

There is a range of optional extras that insurers provide you with as supplements to your policy:

• Roadside Assistance: Covers: towing, assistance to jump start the battery, and changing tires and delivery of emergency fuel.
• Personal Accident Cover: This will cover medical bills to the driver and passengers.
• No-Claim Bonus Protection: This option enables you to claim without canceling the no-claim discount.
• Off-Road Coverage: It is coverage that applies to vehicles not used on paved streets.
• Coverage Extension: There are policies that cover the driving in the adjacent countries such as Oman.

The decision of selecting add-ons is reliant on the type of driving individual possesses and their tolerance to risks.

3.     Factors of Premium Calculation

The premiums charged by insurance depend upon many factors:

• Vehicle model, age and make: Luxury and sports cars are more expensive to insure.
• Age and experience of the driver: The younger and less experienced drivers charge higher premiums.
• Claims history: Discounts are given by clean records.
• Usage: A Higher price is charged for commercial use.
• Parking and place: Safe parking may be able to decrease the premiums.