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    FREQUENTLY ASKED QUESTIONS

    Alfred's InsuranceMarket.ae

    SOME FREQUENTLY ASKED QUESTIONS

    Wow, this is all a bit different isn’t it? How does it all work? What’s Alfred’s favorite color? And other frequently asked questions.
    So how can you offer all of this?

    Put simply, we handle a lot of insurance and have thousands of happy customers! Such scale brings plentiful partnerships, bargaining power and bulk discounted rates with the UAE’s leading insurance companies: all of which we can pass on to you, the customer! Why “go it alone” when you can share in our success!

    But what if I'm a busy person?

    We know the pace of life is fast these days: that’s why we are committed to “delivery at speed but never in haste”. We have tight targets for our response times but if you’re in a mad rush and need something “super speedily” we’ll try and accommodate. We can even offer next day delivery for your documents and if you’re interested in our value-added car registration service, we’d be happy to talk to you about that too.

    But what if I can’t/won’t use the internet?

    We know the internet can be intimidating or impossible for some people but don’t worry: we’re happy to talk you through the process. Our friendly team will await your call!

    How can I Pay?

    Arranging and paying for your insurance couldn’t be simpler. Like any other business, we will happily accept credit cards or cash payments. If you’re happy to collect your insurance documentation in person from our offices, we would love to see you and take your payment via your chosen method:  however, if you prefer to have your paperwork delivered we will need to take payment from you before we send your documents. 

    Please also be aware that some banks make a small charge for payments made by credit card: don’t worry, if this applies to you we will let you know beforehand.

    What if I have more than one car?

    We’ll be able to negotiate a group discount on your behalf if your cars are due for renewal at similar times. Or why not get together with a few workmates and we’ll see if we can do something very special for you.

    Whereabouts are you based?

    We’re based in Dubai, but we can deliver and issue policies all over the UAE. For more information, check out our contact page.

    What if I want to change my policy?

    Let us know, and we can sort out changing your policy. In fact, as we love our clients, we’ll even do this for free. However, your premium might change, but we’ll let you know about that.

    I'm pregnant, can I buy medical insurance to cover the birth?

    Insurance works on the basis of protecting you against the unexpected. Whilst pregnancy can of course fall into this category, it is a condition that must be declared to your Insurers as soon as you are aware of your good news!

    If you become pregnant during the course of your insurance year; that is after your insurance policy came into force; then you should notify your Medical Insurers immediately and review the benefits that may apply under your Policy.

    No medical insurance or DHA mandatory cover only? You can still get high-level medical insurance, but it will not cover anything to do with the pregnancy as this is a “known” condition. 

    If you are not pregnant yet, ask one of Alfred’s helpers for advice on which is the best Medical policy for you to cater for any future plans you might have.

    I'm leaving the country, how do I cancel my insurance?

    We’re sad to see you leave. Providing you haven’t had any claims, we can sort out cancelling your policy and getting you a partial refund. Each insurance company has their own refund set up, and you’ll probably have to pay an administration fee.

    I've moved house, how can I change my details with Alfred?

    Moving house can be a stressful time so we like to keep changing your insurance simple and worry-free. If you’re moving to a new home, we’ll need to take some details from you such as your new address and area code, and the values to be insured under the Policy (Contents and Buildings values generally alter and you want to make sure you have adequate insurance cover).

    If you’re an owner occupier and selling your property altogether, then you’ll probably want to cancel your policy and apply for a partial refund. Each insurance company has their own rules on refunds and cancellation and you’ll probably have to pay an administration fee.

    Does my car insurance policy provide fully comprehensive cover in other GCC countries?

    We only work with companies who provide fully comprehensive cover in Oman. For other GCC countries, you should check your policy schedule, but it probably won’t unless you ask for it specifically.

    Can someone else drive my car?

    You should check your insurance cover – some of them have a named driver policy.

    I've lost my insurance certificate, can I get a new copy?

    Sure, get in touch with us and we’ll send you one straightaway.

    How can I find out how my claim is getting along?

    Alfred tries to make sure you’re constantly informed about your claim process, but feel free to ring our claims department any time.

    How fast can I expect my policy?

    We realise that you are usually pushed for time when you come to us looking for car insurance. In fact, when we set up InsuranceMarket.ae one of our main objectives was to save you a great deal of time and effort.
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    What can you expect to receive from us?
    As soon as you fill the car insurance form, we start working on your car insurance comparison. We try our best to individually negotiate each quote with the insurance companies to try and bring you the best deals.
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    How do we pay our rent?
    Let’s be honest about two things – our service is really free to you as the customer and that we’re not a not-for-profit entity.

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    How does our self-declaration of no claims work?

    Get your no claims discount now! And now it’s easier than before!
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    How do we choose our panel of insurance companies and products?
    Claims service – after all what’s the point of an insurance policy if it doesn’t work at the time ..

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    What are the benefits of having one insurance broker manage all my insurance?
    If you’re a big customer for us, we will be able to give you higher levels of flexibility and a more personalised level of service than that offered to our one-off consumer clients.

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    How do I successfully get a further discount from the car insurance quotes sent to me?
    We believe that our quote comparison service inherently ensures that you to get the best deals, especially since ….
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    How can my personal shopper help me?
    Your dedicated personal shopper will help you shop for your insurance,
    and make sure you’ve got the right cover..

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    How can I plan my finances?
    Expats in the UAE will find that there is no pension plan, no government funding for children’s education, no death compensation and no public healthcare…

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    What factors do insurers look at to compute my premium?
    Life insurance providers will look at many things when underwriting a policy especially for you..

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    Alfred's tips on living a healthy life!
    People often ask Alfred how he’s kept in such good shape for a man of his age. If we’re only going to live once, we should aim to live as long as we can…

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    Am I eligible for medical insurance?

    Medical insurance is a sensitive and delicate topic since it involves people and since no two people are the same, what we need and how we use it will vary hugely too. This is reflected in the price and/or the terms & conditions and covers offered by insurance companies.

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