Know your needs

Knowing what car insurance you need and the services each insurance plan offers is important. There are two major car insurance plans in the UAE.

Third-party liability insurance (TPL): As the title suggests, this insurance covers the damages done to the third party. This insurance type doesn’t cover damages done to your vehicle or yourself in the incident.

This type of insurance is generally preferred for older cars with low resale value.

Comprehensive car insurance: This insurance covers damages done to your car, yourself, or a third party, depending on the policies. This insures the insured against any mishap happening to the vehicle, like fire, theft, natural disasters, etc.

Recommended for new cars and people who do not want to risk any damage.

A genuine comparison platform

Use a licensed platform that allows you to enter your information and gives you authentic time quotes.

Make sure the details you provide are consistent and the same, like your car model, registration, licence date, and model number. The details must be accurate. Make sure to check in all the add-ons and special services.

Aspects to compare

While comparing your car insurance, it’s not just the price that you have to look out for, you have to look for the best value for money. Here are some checkpoints to look for:

Deductible: A lower deductible ensures an easy claim, but it also increases your premium.

Agency repair if you have a new car, and non-agency/garage repair for older cars.

Add ons like roadside assistance, rental car, off road cover, GCC cover and cover from natural disasters.

Discounts

Always ask or look for discounts such as

(NCD) No claim bonus: NCD offers a significant discount if you haven’t claimed your insurance in years.

Safe driver discount: Based on your no-risk profile, you are eligible for various discounts and offers.

Bundled insurance: You can get a discount if you buy bundled insurance like car+life insurance.

Reviews

Always check the customer reviews before making a purchase to check for claim process, claim settlement ratio, response time services, customer care experience etc.

Savington Insurance can guide customers on choosing and renewing the right policy.
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