When you have a car used by the entire family, getting the right insurance becomes even more essential. With your loved ones in mind, it’s natural to want the best possible coverage. But how do you navigate the process of buying insurance online, especially when there are so many options?
In this article, we’ll guide you through purchasing family car insurance online, offering key tips and a simple step-by-step process to help you choose the right coverage and complete your purchase efficiently.
What is family car insurance?
A family car insurance policy is for cars that everyone in the family uses. For example, if parents and their teenage child drive the same vehicle, this policy will ensure they are covered. It protects the car in case of accidents, theft, or damages and ensures everyone driving it is insured. This makes it easier and more affordable for families to manage their car insurance.
Why do you need family car insurance in the UAE?
In the UAE, driving without insurance is not just risky; it’s illegal. But beyond the legal requirement, insuring your family car offers you and your loved ones a safety shield.
Imagine a scenario where you’re involved in a minor fender bender or, worse, a more serious accident. Family car insurance ensures you’re not left with the financial burden of repairs, medical bills, or any third-party damages. You can even get add-ons and secure the passengers of the family car in case of an unexpected event.
The right coverage provides security when transporting your most precious cargo—your family. But here’s the big question: How do you buy it online without getting lost in all the choices?
Steps to buy family car insurance online
Here’s a simple guide to help you purchase family car insurance online:
Research different providers
The UAE insurance market is packed with options, from local providers to international companies. Before you jump into a policy, take the time to research different insurance providers. Read reviews, check for recognition, and visit their websites to understand what they offer. Family car insurance plans should provide extensive coverage, including accident protection, theft, and third-party liability.
- Popular providers in the UAE include GIG Gulf (formerly known as AXA), Sukoon (formerly known as Oman Insurance), and LIVA (formerly known as RSA).
- Check platforms like InsuranceMarket.ae, where you can easily compare different insurance options from various providers all in one place. This makes it simpler to find the best policy that fits your needs.
Compare coverage options
Not all family car insurance plans are the same. Some offer comprehensive coverage, protecting your vehicle against theft, accidents, and natural disasters. In contrast, others only provide third-party coverage, which covers damage to other people’s vehicles or property.
Tip: Comprehensive coverage is a great option for families as it covers many risks, providing reliable protection for everyone using the family car.
To know more about the major differences between the two, read: Comprehensive vs third-party car insurance.
Choose add-ons for better protection
Add-ons are optional extras you can include in your insurance policy to enhance your coverage. They can make a significant difference in your coverage. Some useful add-ons for families include:
- Roadside assistance: Helpful in case your family car breaks down during a trip.
- Personal accident cover: Ensures financial compensation if anyone in your family gets injured in an accident.
- Agency repair: Allows your family car to be repaired at the dealership, maintaining high repair standards.
Review the policy details carefully
Before finalising your family car insurance policy, read the terms and conditions carefully. Ensure you understand what’s included in the policy and what’s not. For instance, certain policies may not cover specific types of accidents.
Submit the necessary documents online
Once you’ve found the right policy, the next step is to submit your documents, which usually include:
- A copy of the Emirates ID
- Driver’s license
- Car registration card (Mulkiya)
- GCC specification confirmation
- No Claims Letter (optional)
Most UAE insurance providers allow you to upload these documents directly through their website, making it a convenient online purchase.
Make the payment
After submitting your documents, proceed to the payment section. Most providers offer secure online payment options, such as credit or debit cards, making the process easy and fast.
Receive policy confirmation
Once the payment is confirmed, you’ll receive an email with your policy details and documents. You can also download your policy directly from the provider’s website.
Keep copies for future use
And now your family car insurance is secured! Make sure to keep both digital and physical copies of your insurance policy for future reference.
Benefits of buying family car insurance online
Buying family car insurance online is increasingly popular in the UAE for several reasons:
- Convenience: Easily compare policies and providers from home without visiting multiple offices.
- Instant quotes: Get instant price quotes, allowing you to quickly see how much your insurance will cost.
- Exclusive discounts: Many insurers offer online-only discounts, making it more affordable.
- Time-saving: The entire process can be done in minutes, from comparison to purchase.
- Paperless process: Upload documents and receive your policy digitally, reducing paperwork.
- 24/7 access: Shop and purchase anytime, without waiting for business hours.
What to look for when buying family car insurance
When purchasing family car insurance in the UAE, focus on the following elements:
- Comprehensive coverage: Ensure that the policy you buy for your family car covers maximum risks.
- Driver coverage: Make sure the insurance covers all family members who will be driving the car.
- Add-ons: Look for useful add-ons like roadside assistance or personal accident cover.
- Cost: Compare prices and available discounts to find the best deal without compromising coverage quality.
- Customer reviews: Read feedback from other policyholders to ensure good service and claim handling.
- Network of garages: Ensure the policy gives you access to a wide network of garages for repairs in the UAE.
- Claims process: Look for a provider with a smooth and efficient claims process.
- Exclusions: Understand what’s not covered, such as specific damages or accidents, to avoid surprises.
Final takeaway
To wrap things up, buying family car insurance online is a straightforward way to keep your loved ones safe on the road. With so many easy comparison tools and online deals, you can quickly find the right coverage that suits your family’s needs. It’s fast, convenient, and lets you manage everything from home.
By taking the time to choose the right policy, you’ll ensure peace of mind, knowing everyone in your family is protected, and you’re getting the best deal possible.
Frequently Asked Questions (FAQs)
How much does car insurance cost in the UAE?
The cost of car insurance in the UAE depends on various factors, such as the type of car, the driver’s profile, and the coverage level.
Which insurance is best for a car in the UAE?
The best car insurance depends on your specific needs. Comprehensive plans are generally recommended as they cover many incidents, from accidents to theft.
What are the two types of car insurance in the UAE?
The two main types of car insurance in the UAE are third-party liability Insurance and comprehensive insurance.
Is car insurance mandatory in the UAE?
Yes, having at least third-party liability insurance is mandatory in the UAE.
