5 Essential Vehicle Insurance Add-Ons For Your Policy

A vehicle insurance policy acts as an armour against any financial emergencies that may arise out of unforeseen damages to your vehicle on the road. Third Party Liability Insurance (TPL) is a mandatory policy in UAE for vehicles, and it offers only basic insurance cover to shield damages caused to third-party and not damages to your own vehicle.

To ensure complete peace of mind to vehicle owners, Vehicle insurance companies in UAE offer a host of additional covers to ensure your vehicle is adequately protected in case of an accident. The add-ons broaden the coverage and increase the premium you pay for. Accidents are the only time the insured realizes the benefits of the add-ons. We recommend some useful add-ons covers that make your vehicle insurance policy rewarding:

Cover Against Nature’s Perils

– Nature’s forces can storm the roads anytime and it is in your best interest to avail insurance coverage before a disaster strikes.

– The comprehensive vehicle insurance plan offers cover against environmental disasters such as storms, fires, hail or falling debris and covers your vehicle against financial damages in the event of a collision. (This may vary as per the insurance company)

Agency Repair Cover

-If your vehicle is damaged in an accident, authorized agencies and workshops will service it. Perceptive agency personnel can diagnose a hitch faster and replace components and spare parts in a quality manner.

– Reputed insurance companies offer agency repair services for up to 2 years from the date of manufacture under a comprehensive vehicle insurance policy.

No Claims Bonus (NCB)

– NCB is a special reduction on insurance premium offering to the policyholder with a claim-free record at the time of policy renewal.

– In the UAE, you can fetch a discount ranging from 10- 50 percent on your premium, subject to terms and conditions. This is a valuable add-on since it guarantees you considerable savings on your vehicle insurance premium.

Personal Accident Cover

This personal accident policy covers Medical expenses, compensate for permanent disability, or death. This protection covers  the owner, driver and the co-passengers.

– This cover compensates for medical costs, repatriation of the body, funeral expenditures. And also loss-of-income limited up to AED 1 million depending on the terms.

Roadside Assistance Cover

– This is the safest policy upgrade if you frequently travel alone outskirts of the city. Also to remote areas, especially with your family.

– This cover, offering you the benefits that include on the spot repairs. Towing assistance, flat tyre repairs, examining battery issues and taxi benefits also available.

Vehicle insurance companies offer distinct add-on covers. And you are given the leeway to select as per your need and budget. Policyholders need to choose wisely the add-on covers, so that they prove beneficial to them at the time of crisis.

We have an extensive team of experienced insurance advisors who can address all of your queries regarding the vehicle insurance cover options you can obtain and foster your decision to finalize a policy that offers optimum coverage. Contact our vehicle insurance brokers in UAE  today to avail proper guidance and clarification.