Owning a car in the UAE comes with unique responsibilities and benefits. One common question among drivers is, “Is towing service included in car insurance in UAE?” The answer varies depending on the type of car insurance policy and the insurance provider.
This article examines the different aspects of car insurance in the UAE, focusing specifically on towing service in car insurance. By understanding these details, you can ensure your and your car’s protection on the road.
What is towing service in car insurance?
In car insurance, towing refers to transporting your vehicle to a repair facility or safe location if it becomes non-functional due to an accident, mechanical failure, or other covered events. This service is often part of the roadside assistance package in a car insurance policy.
Types of car insurance and their towing service coverage
In the UAE, the availability of towing service in car insurance depends largely on the type of insurance policy you choose:
Third-party liability insurance
This is the minimum requirement by the law for all vehicle owners in the UAE. Towing services are typically only included under third-party liability insurance if you opt for additional roadside assistance coverage that covers towing services.
Comprehensive car insurance
Comprehensive car insurance in the UAE typically offers a broad range of coverage, including towing services as a standard benefit. However, the specifics of towing coverage, such as availability and conditions, can differ between policies.
Is towing service included in comprehensive car insurance?
While comprehensive car insurance generally offers more extensive coverage, including towing, not all policies are the same. Some insurance providers may provide towing services as a standard feature, while others may need you to purchase it as an add-on.
Towing service in car insurance is inclusive of the following:
- Roadside assistance: Help when your vehicle breaks down, such as jump-starting a battery or changing a flat tyre.
- Towing to a repair facility: If your vehicle cannot be repaired on-site, it will be towed to a nearby garage or a facility of your choice within a specified distance.
Scenarios where towing services are useful
Towing services can be incredibly beneficial in various situations that drivers in the UAE might encounter. Here are some common scenarios:
- Unexpected accidents: If you’re in a minor accident and your car can’t be driven, a towing service can quickly take your vehicle to a repair shop.
- Mechanical failures: In the UAE’s hot climate, cars can experience problems like engine overheating or battery failure. With towing service included in your insurance, you won’t be stranded on the roadside for long and can easily get your car to a mechanic.
- Late-night breakdowns: If your car breaks down late at night when most repair shops are closed, a towing service can safely transport it to a place where it can be repaired the next day.
Advantages of including towing service in your car insurance
Having towing service as part of your car insurance offers several key benefits:
- Peace of mind: Knowing that help is just a call away in case of a breakdown or accident reduces stress and worry, especially during long trips or unfamiliar areas.
- Convenience: Towing services provided by your insurance mean you don’t have to arrange and pay for a tow truck yourself. This saves time and effort in emergencies.
- Cost savings: Hiring a tow truck can cost a lot, particularly over long distances without towing coverage. Insurance that includes towing covers these expenses, saving you money.
- Reliable assistance: Insurance companies typically work with trusted towing providers, ensuring professional and prompt service when you need it most.
- Comprehensive coverage: Including towing in your insurance policy adds another layer of protection, ensuring you are prepared for various situations, from mechanical failures to accidents.
With towing services included in your car insurance, you can drive with peace, knowing you’re covered for unexpected situations on the road.
Requirements and limitations of towing service in car insurance
To use a towing service in car insurance, certain conditions usually apply. Understanding these conditions can help you be prepared when you need assistance:
- Distance Limits: Insurance policies may cover towing only up to a certain distance or within specific geographical areas.
- Vehicle condition: Towing services are available if your car is undrivable due to damage or mechanical issues, such as engine failure or accidents.
- Usage limits: Some policies restrict the number of tows you can use annually.
- Insurance and ownership requirements: To qualify for the service, the car must be registered in your name and have insurance with towing coverage.
- Covered situations: Towing is generally covered for breakdowns or accidents, but exclusions such as negligence or unauthorised off-road driving may apply.
- Approved providers: Insurers often require the use of designated towing providers. Using a provider outside the network may result in additional fees.
- Procedure for requesting service: Contact your insurer immediately after an incident, providing details about the breakdown or accident and your location to ensure prompt towing assistance.
How to check if towing service in car insurance is included?
To check if your car insurance includes towing service:
- Review your policy documents: Look for roadside assistance or towing services sections.
- Contact your insurance provider: Call customer service for specific details about your coverage.
- Check for add-ons: If towing isn’t included, inquire about adding it as an optional benefit.
Final takeaway
A towing service in car insurance in the UAE can provide significant benefits, especially given the country’s extensive road networks and long-distance drives. When choosing car insurance, it is essential to understand what is covered under your policy and consider including towing services for added convenience and peace of mind. Always check your policy documents or consult with your insurance provider to confirm if you have the coverage that best suits your needs.
By understanding the specifics of towing service in car insurance, you can be better prepared for any situation on the road, ensuring safety and security for yourself and your vehicle.
Frequently Asked Questions (FAQs)
Q: Is towing service mandatory in all car insurance policies in the UAE?
No, towing service is not mandatory in all car insurance policies in the UAE. It is typically included in comprehensive car insurance policies but not third-party liability insurance.
Q: Are towing charges included in insurance?
Towing charges may be included in comprehensive car insurance policies that offer roadside assistance. However, the extent of coverage and conditions can vary between insurers and policies. It’s important to check your specific policy to see if towing charges are covered and under what circumstances.
Q: Can I add towing service to my existing car insurance policy?
Yes, many insurance providers in the UAE allow you to add towing service to your existing policy for an additional cost. However, if you add this service after the policy is issued, a waiting period may apply before you can use it.
Q: How far will my car be towed if I have towing service in my insurance?
The distance covered by towing service can vary by insurance provider and policy. Some policies may cover towing to the nearest repair facility, while others might allow for more extended distances. It’s best to check the specifics of your policy.
Q: Does towing service in car insurance cover accidents and breakdowns?
Generally, yes. Towing service in car insurance usually covers accidents and breakdowns, but this can vary depending on the insurance provider and the policy terms.
