Owning a car in the UAE offers convenience and mobility, but it also comes with a certain set of responsibilities, including ensuring adequate insurance coverage. One essential aspect of car insurance that many drivers may overlook is breakdown cover. Understanding what breakdown cover entails can help motorists make informed decisions about their insurance policies. Let’s dive in -
What is Breakdown Cover?
Breakdown cover, also known as roadside assistance, is an optional add-on to car insurance policies that provides help in case of vehicle failure. Whether your car stops due to mechanical issues, a flat tire, or battery failure, breakdown cover ensures you receive immediate support.
What Does Breakdown Cover Include?
Breakdown cover in the UAE typically offers a range of services, including:
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Towing Service: If your vehicle cannot be repaired on the spot, it will be towed to the nearest garage or a location of your choice within a specified distance.
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Battery Boost: In case of a dead battery, roadside assistance will provide a jump start to get you back on the road.
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Flat Tire Assistance: If you experience a puncture, a professional will help replace your tire or tow the vehicle to a nearby service center.
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Fuel Delivery: If you run out of fuel, some providers will deliver enough fuel to reach the nearest petrol station.
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Lockout Service: If you accidentally lock yourself out of your car, assistance will be provided to help you regain access.
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Minor Repairs: Small mechanical or electrical issues may be fixed on-site to get your car running again.
Why is Breakdown Cover Important?
Breakdown cover offers several benefits that make it a valuable addition to your car insurance policy:
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Peace of Mind: Knowing that you have assistance available in case of an emergency can make driving less stressful.
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Convenience: No need to search for a tow truck or service center; help is just a phone call away.
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Financial Savings: Towing and roadside services can be expensive if arranged independently, but with breakdown cover, these costs are included in your policy.
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Quick Assistance: Many insurance providers offer 24/7 support, ensuring that help is available anytime, anywhere.
How to Get Breakdown Cover in the UAE?
Breakdown cover is usually offered as an optional add-on when purchasing comprehensive car insurance. Some insurers include it as a standard benefit, while others charge an additional premium for the service. When choosing breakdown cover, consider factors such as:
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The coverage area (local or other cities too)
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The number of service calls allowed per year
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The reputation and reliability of the service provider
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The cost of adding breakdown cover to your policy
Conclusion
Breakdown cover is a crucial yet often overlooked component of car insurance in the UAE. It provides essential roadside assistance services, ensuring that you receive prompt help in case of unexpected car trouble. Investing in breakdown cover can save time, money and unnecessary stress, making it a wise choice for any vehicle owner in the UAE.
Before purchasing a car insurance policy, check with your provider about the availability and benefits of breakdown cover to ensure you are adequately protected on the road.
