When it comes to insurance, paying lower premium is what we all want. But when it comes to car insurance in Dubai, cheapest is not always right. Even though there are plenty of options available for cheaper car insurance in Dubai due to increased competition in the industry in last few years, there is a lot more to look into other than pricing.
Cheaper or the Best
If you are going after the best offer or a great value for your money, cheaper is probably not the answer. With a variation in prices comes a great variation in facilities offered against your money. What if your car breaks down in middle of the road, does your insurance include quick roadside assistance? In the case of a cheaper insurance, probably not.
According to official statistics, UAE is among the top few countries with the highest rate of accidents per capita in the world. This is why if you are driving in Dubai, you need a car insurance that you can rely on. What if a sandstorm hits your windscreen but you learn later that your cheaper car insurance does not cover windscreen damage?
The key is to read and look into coverage offer in detail. Make sure the policy covers everything that suits your style of driving. For example, if you own a land cruiser and hits a desert every week or two, makes sure your insurance offers off-road coverage.
If saving cost is your only priority, there are also ways to get the best for a cheaper price. For example, look for the companies that offer a no-claims bonus on their products. If you have a clean driving record for last few years, you can save up to 45% on your insurance premium.
What to Look for in a Car Insurance Company?
The most important thing to look for in a car insurance company is their claim history and what their customers have to say about their experience. At the time of need, if the insurance company does not deliver, there is no point in saving your premium cost.
All in all, for finding the best value for your money, make sure to learn about the coverage you get for the price you are paying, how the company treats their customer, how effective is their support, what is their history with claims and if they offer discounts like a no-claim bonus.