A Comprehensive car insurance policy is essential for keeping your vehicle safe on roads. In the UAE, the general driving speed is high and that’s why driving here can be unique and require your insurance coverage to be paramount. While a standard car insurance policy offers a basic level of protection, many drivers often opt for add-ons to ensure adequate coverage. In this article, we'll explore the top add-ons to consider in the UAE if you’re planning to beef-up your coverage.
Roadside Assistance
Unexpected vehicle breakdowns are common and they can happen anywhere. If you have roadside assistance as part of your plan, you will be offered round-the-clock support when you need it. This add-on may include but is not limited to services like towing, replacement of a flat tire, battery jump-start, and even refueling if you run out of fuel. This add-on is to ensure you’re never stranded on the road regardless of the situation.
Personal Accident Cover for Passengers
As a driver, your safety is important, but what about your passengers? This add-on extends personal accident coverage to passengers as well by offering financial protection in case of accidental injury in an accident.
Off-Road Coverage
Off-roading is a popular activity in the region. However, off-road accidents are not covered as a part of the core policy. So, if you happen to be an adventurous person, consider having an off-roading add-on to make sure you're covered no matter where you drive. This add-on is available as a part of the main policy for some vehicles like 4x4s, but if you don’t have it, you might as well consider getting it as an add-on.
GCC Coverage
GCC cover is essential for drivers who frequently travel within the Gulf Cooperation Council (GCC) countries. This add-on extends your insurance coverage to GCC nations allowing you to drive across borders without fretting about third-party damages or in some cases your own damages as well.
Rental Car Coverage
This one allows you to get a replacement car while your own is being repaired. You will have easy transport facilitated while your own car is in a garage for repairs.
Conclusion
Insurance is a mandatory legal requirement for driving in the UAE. If your car is new or a high-end one, enhancing your basic cover with suitable add-ons is a good idea to make sure you’re covered for all kinds of mishaps that may happen on roads. But before you select add-ons, it is important to evaluate which ones are suitable for you and then add them to your basic plan based on your driving preferences and needs.
