Car insurance in the UAE can be pricey, especially if you own a luxury or high-maintenance car. Making your insurance affordable takes some skills and negotiation. Here are some important points and factors that can make your insurance affordable.

Compare quotes

Never settle for the first quote you get from your insurer or the insurance website. Compare your insurance quotes from different insurance companies and websites. Use the same care detail on all platforms to get reasonable results. Upload your no-claim certificate if you have it, as it ensures a reduction on your renewed insurance.

Always read your policy’s fine print to ensure you know all the mentioned special clauses.

Contact the sales representative.

If you are confused about your insurance, check in with a rep; they always offer a special offer that might not be listed online.

A clean driving profile

Having a clean driving profile is one of the best ways to get low premiums on insurance.

A clean driving profile means no traffic violations, fines, accidents, or insurance claims for at least 12 months.

The car insurance companies offer lower premiums for safe drivers because they see clean drivers as low risk, which means that they are less likely to cause accidents, file for insurance claims, which is why they get low premiums.

No claim discount

A discount on your premium for not making any claims during the previous insurance policy period.

The insurance discount depends on your no-claim period, e.g., if it’s 1 year, then you may get a discount of some percentage on your premium, and so on, depending on the insurance policy.

No claim certificate

A formal letter from your previous insurer stating that you didn’t make any claims during the policy period.
The serves the purpose of proof of your driving profile, used to get NCD discount on your new policy.

Broker on record

It’s a formal letter that you give to an insurance broker to act on your behalf with an insurance company.
This certificate has advantages in helping you negotiate better deals through the authorized broker, manage your policies, and help with renewals, claims, or better rates.

Agency v/s nonagency repair.

Agency repair: When your car is repaired at a manufacturer’s authorised service center. Some advantages are that you get genuine and original repair parts, trained mechanics, maintain your car’s resale value, and it’s generally recommended for new cars.

Some disadvantages are that it makes your premium expensive, and some insurance policies limit it to the first 3-5 years of the car.

Nonagency repair: When the repair is done at the insurer-approved garages and not at the official dealer.

Advantages: lower your premium, widely available, and flexible after 3- 5 years of car age.

Disadvantages: mixed quality garages, can affect the car’s resale value, and the repair parts may not be authentic.

How Savington optimises the process for you

• Helps you compare the policies from top insurers.
• Provides 24/7 available support on WhatsApp.
• Helps in securing policy rewards for being a safe driver.

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