Getting car insurance at reasonable rates can be a challenge for drivers classified as high-risk in the UAE. Various factors come into play in determining insurance rates, including driving record, age, and type of vehicle. Even if you're deemed a high-risk driver, you can still find suitable coverage. In this article, we'll delve into how to get car insurance for high-risk drivers in the UAE.
What Makes a Driver High-Risk
Insurance companies consider certain drivers as high-risk due to their increased likelihood of making claims or being involved in accidents, making insuring them riskier. Typically, these drivers have:
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A driving record filled with accidents and other serious traffic violations.
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Limited driving history, such as new drivers or those with limited driving experience.
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Age factors, with both young and elderly drivers being more prone to risks.
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High-performance sports cars, which are more prone to accidents and expensive repairs.
Tips for Getting Car Insurance for High-Risk Drivers
Compare Prices: Make the most of online insurance comparison websites to get quotes from multiple insurance companies. You can easily compare car insurance quotes from top insurance companies in one place using apps like Shory, where you can compare prices and purchase instant insurance documentation for your car in less than 90 seconds.
Opt for Minimal Coverage: Consider third-party liability insurance as your initial option, covering damages to others only, to keep costs down.
Maintain a Clean Driving Record for the Future: Completing an accredited defensive driving course can show your commitment to road safety and earn you a discount on insurance.
Should You Be Honest About Being a High-Risk Driver with Claims History?
Yes, it's always necessary and ethical to be honest with your insurance company about your driving record and previous claims. Failure to disclose information could lead to your policy being canceled or even your claim being denied.
Types of Insurance Coverage That Might Be More Expensive
Comprehensive Insurance: This type covers damages to both others' property or persons and damages to your own vehicle, including theft and natural disasters.
Personal Accident Insurance: It covers your medical expenses in case of an accident.
Conclusion
Getting car insurance is essential for all drivers in the UAE, including high-risk drivers. By following the tips mentioned above, you may still find coverage at reasonable rates that suit your circumstances. Always drive responsibly and adhere to traffic laws in the UAE to minimize your high-risk driver classification and ensure your safety and that of other road users.
