Whether you need to buy auto insurance in UAE for your brand new car or a 10 year old chevy, going about it blindly won?t get you the best deal possible. Here are a few tips you can keep in mind to find the right insurance policy that is affordable and gives you all the cover you need.
It is most important to understand that car insurance premiums depend on three things. These are the chosen insurance company, the level of cover chosen, and your risk level. Once you have chosen an insurance provider and an insurance policy cover type, it is the job of the insurer to calculate the risk involved and quote a price. Thus, you can reduce the price by changing the insurer?s perception of your risk. This can be done by giving the insurer a ?no claims certificate? that can get you a good discount. You can also let the insurer know of your past driving history. You can also do other small things such as adding some security features to your car like an auto-lock, immobilizer, etc.
The three main types of covers offered for auto insurance in UAE are third party, third party fire and theft, and fully comprehensive. When you are presented with options for cover, do not jump to the least cover option feeling it will be the cheapest. In many cases the third party insurance may cost just as much as a comprehensive cover, or just about a little less. It is imperative that you compare the covers each type of policy is offering before making your final decision. There are some national and international insurance companies in the country that also make exceptions or give tailor-made insurance if need be. Look for features like an option to add a second responsible driver to your policy. Of course in such a case, the primary policy holder should also be the one who owns the car.
Being honest with the insurance company is vital. Doing this might get you a high premium in some cases, but it also ensures that there will be no problem in the event of a claim. Even after you have purchased the policy, make sure that you keep the insurance company updated about any changes made to the mechanics or looks of the car. For example, if you want to pimp up your car and make it look flashy, but have compromised on a security feature to do so, there is a chance the insurer might ask you to buy another comprehensive cover or add the clause to your existing policy for an extra cost. If you do not let your insurance provider know, the company may even invalidate your policy.
Other factors that affect your insurance cost are the age of the driver, the driver?s gender, the type and model of car to be insured, the driver?s driving experience, the average mileage the car might do per year, the condition of the car, its engine size, popularity of the car model, the year of manufacturing of the car, the driver?s profession, where you live in the country, your marital status, the type of travel involved, whether you have other insurance policies from the same insurance company, whether the car will be making trips to adjoining countries such as Oman, prior insurance coverage, prior claims if made, etc. So if this is your first car, buy something sensible, get a comprehensive auto insurance, drive safe and follow all the traffic rules and regulations. Most insurance companies work on competitive rates so the real trick is to find a good insurer that is giving you the service you deserve and the cover you want.
James is a content builder of https://rsadirect.ae/
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