Motor Insurance | Individual

Motor Insurance in UAE | Explained

  • Insurance: Motor

UAE law mandates any vehicle owner to have genuine motor insurance for their journey prior to they catch it out on the roads. This law essentially covers all 2-wheeled and 4-wheeled cars (including commercial and private vehicles) that is to say in-case you own a motorbike or a car, you should get insurance for the governments prior to you have the ability to initiate steering legally. It's punishable by the UAE law to guide a vehicle that does not have a true motor insurance and may outcome in fines, overcast points on your license, and even confiscation in several cases.

Motor insurance is a term that describes all those kinds of insurance policies and projects that provide coverage to all kinds of mortised cars containing motorcycles, personalized 4-wheeled cars moreover commercial cars (both vehicles and trucks). Depending on the type of insurance coverage you get, you'll be saved against third-party hurt liabilities besides covering damages to your own vehicle that are caused by accidents, commonplace calamities, man-made calamities (like fire), theft, and get ready loss of the vehicle. When we say “protect”, it intends that motor insurance covers the price tag of services that you have opted for (third party liability cover, theft cover, etc.) ensuring that you don't get burdened financially.

General Inclusions of Motor Insurance
  • Damages caused to own vehicles by accident and collision, with another vehicle or object like dividers.
  • Damages caused to own vehicle by fire, vandalism, an act of terrorism, and other man-made disasters
  • Damages caused to own vehicle by natural calamities like hail, earthquake, storms, etc.
  • Total loss of the vehicle due to theft or any other reason
  • Damages caused to the third-party vehicle in case of an accident where you are at fault
  • Injury incurred by third party or death of the third party
  • Add-on protection covers like – engine protection, zero depreciation, accessory cover, extended cover for passengers, etc.
General Exclusions of Motor Insurance
  • Damages caused to own vehicle when involved in unlawful activities
  • Damages due to negligence
  • Damages incurred after the due usage date of the vehicle
  • Damages during war/war-like situations or caused by explosion – nuclear, atomic, etc.
  • Accidents that happened when driving under the influence of alcohol or drugs
  • When the driver does not have a valid license
  • Damages caused by willful actions

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