Get a CAR INSURANCE Quote
WHY CHOOSE CAR INSURANCE WITH BAZDXB.COM
At Bazdxb.com we firmly believe we provide an unmatched customer experience and trust our members recognize that as well! Here are just 5 reasons why:
customer satisfaction is our number one priority and we’ve got the feedback to prove we deliver!
Dedicated insurance advisor to help answer your questions and help you with your car insurance purchase
Responsive, reliable and dedicated claims manager to offer advice, reassurance and assistance when you need it most.
Competitive prices and comprehensive products providing the cover you need at a price you can afford from the insurers you can trust
Great value-added services such as discount vouchers that are sent with your policy: you just keep on saving with Bazdxb.com
Highest rated insurance provider in the UAE
Simple and fast claims process
Dedicated insurance advisor to answer all your questions
WHAT IS CAR INSURANCE?
01.
Third Party Liability
Put simply, Third Party Liability covers just that: your responsibility to pay other road users & their passengers and/or the general public for any property damage (including their vehicle) and/or personal injury sustained as a result of your negligence in driving. This is the minimum cover mandated under the law in the UAE.
02
Comprehensive Cover
Comprehensive cover, as the name suggests, offers wider cover in that it protects your vehicle against own damage as well as Third Party Liability. Since most of us have a heavy reliance on our cars to run our busy lives and work hard to afford them, Comprehensive is the most popular motor insurance since it offers peace of mind knowing we are fully protected in the unfortunate event of an accident.
WHAT ADDITIONAL COVER OPTIONS AND UPGRADES ARE AVAILABLE?
You might think that comprehensive policies are “comprehensive” in that they cover everything as standard but given everyone has different needs only the most common risks are included. That’s why many insurers offer a range of additional covers or “upgrades” for customers to choose from. These include benefits such as:
01
Agency Repairs:
If your car is less than 5 years old, this is one option you can’t afford to miss out on. Agency repair allows you to have your vehicle fixed by a manufacturer’s approved repairer using only new/approved guaranteed parts:
02
Roadside Assistance and Recovery services:
Don’t leave things to chance. Even the newest vehicles can break down! Ask about Roadside Assistance cover when taking out your Motor policy. Because being on the road is better than stranded by the side of it!
03.
GCC Cover:
We know many of you love a good road-trip to explore the beautiful region we live in! This upgrade extends your cover to include other countries outside of the UAE so wherever you are, you can feel protected like you were back “home”.
04.
Personal Accident Benefits:
In some car accidents it’s not just the vehicle that suffers damage, the driver and passengers can sustain injury too. Personal Accident cover provides compensation in respect of bodily injury, disablement or death resulting from a road traffic accident: an invaluable benefit for peace of mind.
05.
Loss Of Keys:
If you lose your car keys this valuable cover gets your vehicle recovered and a new set of keys supplied to you so you can get back on the road again.
06.
Hire Car:
If you rely on your vehicle to get to work and run your busy life, having it off the road following an accident can add to the headache. Take up the option of hire car cover in your policy and take the additional stress away!
Get the best online car insurance quotes from the leading car Insurers in the UAE
At Bazdxb.com, we’re proud to have a lot of experience to helping customers in the UAE with their online car insurance quotes and insurance renewals.
Benifits of having a Car / Motor insurance in UAE
- Covers your expenses you incur due to the motor damage
- Safety from Legal Implecations.
- Protection from financial liabilities
- Protection from the cost of third-party property damages
HOW CAN I GET LOW COST VEHICLE INSURANCE?
There’s no magic formula for getting value for money Vehicle Insurance in the UAE but there are some steps you can follow and things you can do to get the best deal for your dirhams! We asked Bazdxb and here’s what he suggests:.
Never buy vehicle insurance at the last minute. Give yourself plenty of time to consider the coverage you need against what’s available in the market. If time is running out then the budget can too if you blow it by taking the first deal that’s on offer……even worse, you might just end up paying a lot more money for a whole lot less cover!
Don’t be tempted to “go it alone” in your search for the best policy at the best price. Let the experts help! At bazdxb.com our Insurance Advisors are just waiting to do the hard work for you. It’s a simple but winning formula. No extra cost + no waste of your time = no brainer!
Don’t get too hung up on price alone. Being mindful of money is no bad thing but being bound by a budget can prove “false economy” if you don’t have the correct cover and lose out when it comes to a claim. At Bazdxb.com we search the market and work with you to find the best cover for your budget.
SOME FREQUENTLY ASKED QUESTIONS
What is car insurance?
Car insurance is an agreement between you and an insurer or insurance company that provides financial protection against physical damage or bodily injury resulting from road accidents. You also get covered against other liabilities from road accidents, natural disasters, fire and theft. It’s mandatory in the UAE to have valid Car insurance for your vehicle.
How can I calculate my car insurance premium?
Car insurance premiums can depend on factors like:
– The car’s make, model, and age.
– Driver’s age, driving history, and experience
– Chosen coverage type and additional benefits
You can inquire online or contact our customer service team for more details.
What does 'No Claims Discount' mean?
A ‘No Claims Discount’ (NCD) rewards drivers for a claim-free policy period, offering discounts on subsequent premiums and leading to notable savings on insurance expenses. Please note that these discounts are typically applicable to non-minimum premiums in most cases.
How to claim insurance for a car accident in dubai?
First, in case of an accident, report to the police and obtain a report with accurate details of the accident. Then, contact your insurance provider, and submit the necessary documents to start your claim. You will need to follow their claim assessment and settlement process. If you have insured your vehicle through bazdxb.com then please contact the claims team at mailto:info@bazdxb.com along with your documents (driver’s license and current Mulkiya) alongwith valid police report.
What is excess in car insurance?
Excess in car insurance is the amount you’re responsible for paying towards repair costs in the event of an accident where you are at fault or no third party is involved. This figure is predetermined in your policy and may also be referred to as deductible, payable, or other similar terms. It ensures a shared responsibility between the policyholder and the insurance company.
How does car insurance work?
In the UAE, car insurance operates under regulations set by the UAE Central Bank. Drivers must at least have Third Party Liability insurance, which covers damages to other vehicles or injuries to individuals due to one’s negligence.
What does 'own damage' mean in car insurance?
Your car insurance policy number is a unique identifier assigned to your insurance contract. To find it:
1. Policy Document: Review your policy certificate and schedule or the full policy document, usually sent to you upon purchase or renewal of your policy.
2. Online Account: Log in to your insurer’s online portal. Your policy details, including the number, should be listed there.
3. Traffic Mobile App: If your Emirate of Registration offers a mobile app, you can access your policy information there.
4. Contact Your Insurer: Call or email the customer service department of your insurance company for assistance.
5. Insurance Broker or Agent: If you purchased your policy through an agent or broker, they can provide you with your policy number.
Always store your insurance details safely and consider keeping a digital copy for easy access.
Can I customize my car insurance policy?
Yes, you can often customize your policy by adding optional coverages like roadside assistance, agency repairs, and personal accident benefits to suit your specific needs.
What are the types of car insurance in Dubai?
There are mainly two types:
Third Party Liability: Covers damage to others or injury inflicted on others due to your negligence while driving.
Comprehensive Cover: Offers broader protection, covering damages to your own vehicle in addition to third-party liabilities.
What Is the Penalty for Driving Without Car Insurance in the UAE?
In the UAE, driving without valid car insurance can result in a hefty fine, vehicle impoundment, black points on your license, and possible legal actions. Uninsured drivers also face full financial liability in accidents. Ensure you have a valid policy at all times to avoid penalties.
Can I transfer my vehicle insurance plan to another car owner when transferring car ownership?
In the UAE, vehicle insurance is linked to the specific car rather than the owner. When transferring car ownership, the insurance policy doesn’t automatically transfer to the new owner. Instead, the current policy must be cancelled, and the new owner will need to take out a fresh policy for the vehicle. Always ensure proper documentation and inform your insurance company during the transfer process.
What documents do I need to purchase car insurance in the UAE?
To purchase car insurance in the UAE, you typically need the following documents:
1. Emirates ID (Passport copy with visa page in very few cases)
2. Driving license copy.
3. Vehicle Registration Card (Mulkiya).
4. Previous insurance details (if applicable).
5. Vehicle details: The make, model, year, and chassis number.
Always check with your chosen insurance provider, as specific requirements may vary.
Do you provide coverage for rental cars or loaner vehicles?
Most comprehensive car insurance policies offer coverage for rental cars or loaner vehicles, often as an additional or optional benefit. This coverage usually steps in when your primary vehicle is unavailable due to repairs from a covered incident. It’s essential to read your policy documents or speak with your insurance provider to understand the specifics and any limits or conditions that might apply. If you’re considering renting a car, it’s also a good idea to check with the rental company about their insurance offerings and requirements
How do I choose between Third Party and Comprehensive insurance?
Your choice should depend on your risk tolerance and vehicle value. If you’re looking solely to fulfil legal obligations and cover damages to other parties, choose Third Party.
If you wish to protect against damages to your car, go for Comprehensive as it’s the optimal choice and the best way to maintain and safeguard your vehicle against any unforeseen circumstances or events.