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Car Insurance

Getting car insurance in the UAE

Although car insurance can seem like an unnecessary expense, it is hugely important for protecting yourself and your vehicle against all the unforeseen events that may come your way, such as theft, accidents and third-party liability.

With the best car insurance companies, it is possible to protect yourself and your car against a whole string of potential costly occurrences, including expenses from a traffic accident, physical damage to your vehicle, bodily injuries caused to yourself or another driver, and legal liabilities.

What are the benefits of having car insurance in the UAE?

When driving your vehicle in the UAE, there are many benefits of insuring it. This includes:

– Ensuring you are not breaking the law
– Protecting your car from loss or damage
– Ensuring you have unlimited liabilities in the event of a third-party death or injury claim
– Aiding in medical costs for any bodily injuries caused to yourself or another person
– Indemnity against any property damage – either by yourself or a third-party
– Protecting you against any financial liabilities
– Ensuring you can replace your vehicle in the event of a theft or accident

What types of car insurance are there in the UAE?

There are two types of car insurance policies readily available within the UAE. Through understanding this, it will make it easy to compare car insurance quotes online.

Third-party liability car insurance

It is the law that every car owner who drives their vehicle in the UAE must have third-party liability insurance. This is the most basic form of car insurance available but still enables you to be protected against any third-party liabilities, such as bodily injuries or property damage that is caused to another person/property by the vehicle that has been insured.

This is not the most thorough car insurance policy though and any damage that is caused by, or affects, the policyholder is not covered. For example, it does not cover fire and theft or accidental collision. This means if there are any repair costs, they would need to be covered by the vehicle owner rather than the insurance company.

Comprehensive car insurance

For the best car insurance available in the UAE, you should look for comprehensive car insurance. This will help to protect your vehicle against all kinds of damages, whether caused by yourself or a third party, including theft or fire. It will also payout to a third party should there be an accident that leads to damage, injury or death.

For more information about car insurance policies in the UAE, contact us at Compare Insurance today.

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Car Insurance

What should you think about before going on a driving holiday?

Driving holidays are increasingly popular, as they offer you a more direct way to take control of your vacation. All you do is pack your car up and go off on an adventure. Before you set off though, what key things do you need to ask yourself?

Is your car going to be reliable?

It’s essential before setting off that you give your vehicle a thorough once-over to ensure it’s going to be reliable. Make sure it has reasonably clean oil and topped up fluids. You might want to carry spare oil/water/washer fluid with you just in case. For complete peace of mind, you might want to take it to a mechanic, explain you’re going on a long journey and have them give your vehicle an inspection. It also makes sense to check the condition of your tyres and replace them if necessary.

Do you have a clear idea of your route?

An itinerary is important on any vacation, but particularly a driving one. Be sure you know exactly where you’re going, and in what time you need to be there. Plot your routes ahead of time, and be sure to have backup maps just in case you fall out of GPS range. Think about what kind of terrain you might be encountering, and ensure your vehicle is capable of driving it safely.

Have you got appropriate car insurance cover?

You need to make sure your full coverage car insurance covers you for driving internationally, if that’s where you intend to take your vehicle. Many policies don’t have a standard contingency for international breakdown and recovery, but it’s worth taking out before your trip to give you complete peace of mind. Even if you intend to travel only domestically, it’s worth making sure that your car insurance policy is up to date and that you’re fully aware of what allowances it provides you. As your vehicle is going to be your primary method of travel through your vacation, it’s essential you have the proper coverage to rely on if something happens to go wrong.

With a little key preparation ahead of time, you can enjoy a fantastic driving vacation either domestically or internationally.

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Car Insurance Health Insurance Travel Insurance

New Year checklist for your insurance

Ringing in the New Year is always a time of celebration. It’s synonymous with renewal and the chance to start afresh – something that everybody is keen to do following the year that 2020 has been.

However, there are some things you should make a priority. Making sure all of your insurances are up to date is an essential task that ensures you can live your life with the confidence you’re covered should something, unfortunately, go wrong.

Below is a brief list of the points to remember with various popular insurances that you likely have. Read on to find out more.

Health insurance

When it comes to private health insurance companies, you want to make sure a few different aspects are still correct. For one, be sure to update your provider of any newly diagnosed health conditions within the past year. Also, ensure you have all of the correct paperwork to hand so that you are prepared should any injury or health concern arise.

Medical insurance

Leading on from this, make sure your medical insurance is all in order. Less an issue in the UK thanks to the NHS (with the exception of private medical insurance), up-to-date medical insurance in other countries such as the UAE is essential, should citizens require urgent attention.

Car insurance

No matter how careful a driver you are, ensure your car insurance is current and that the policy you are paying for reflects your requirements. Just a few factors you may want to revise are the liability policy, the deductibles policy, and collision coverage. This last one is especially important as it helps to protect you in the instance of an accident.

Travel insurance

Travel insurance has never been more important as a UK citizen. With the UK’s official transition period ending on the 1st January, UK nationals will no longer be protected under the EU’s travel laws, which means it’s an incredibly wise idea to invest in travel insurance if you plan on going abroad next year – especially to places like the UAE, where visitors won’t be able to access free medical treatment especially visitors that want travel insurance for schengen visa.

Trust Compare Insurance today

If you require independent insurance comparison filtered to your unique needs, look no further than Compare Insurance.

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Car Insurance

What is the most expensive car to insure?

If you imagine what the most expensive car to insure would be, what springs to mind? If you thought of a Ferrari or Porsche, well done. Even though the top eye-watering car insurance bill is changeable, you can be sure that Tesla and Mercedes-Benz will also be on that list. Extra bonus points to anyone who pictured a BMW i8. The consensus of the wise (well, the internet) seems to be that this super-fast vehicle is top of the list when it comes to the most expensive insurance premium.

Why is this?

Alongside its wallet-emptying friends, the BMW i8 is very, very expensive. Prices vary but hover around the £100,000 mark. The car insurance premium needs to be high to cover the cost of replacing the vehicle if the worst were to happen and it was damaged, or written off, in an accident.

What would make the car insurance even more expensive?

To afford such a fancy car, the chances are that you are well into grown adulthood. The younger you are, the more statistically likely it is that you are going to be involved in a car accident. So, if you really want to ramp up the cost of your car insurance go out and buy one of these sports cars for an 18-year-old.

Could the premium get any more expensive?

So, you have a very expensive car with an inexperienced 18-year-old driver at the wheel – what else would ramp up the insurance cost? If the teenager used the car for work, for example driving all around the country as a salesperson, this would significantly increase the premium. Purely for the fact they are more likely to have an accident as they are using the car more than average.

Surely that’s it?

Well, almost. Just one more thing. If the teenage travelling salesman lived in a high-crime area and parked the vehicle on the street, the premium would likely skyrocket even higher. Fortunately, these scenarios are unlikely to occur altogether.

Whatever your circumstances, be sure to get vehicle insurance online and compare the insurance market carefully on a reputable site such as www.compareinsurance.ae

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Car Insurance

Why you need to avoid lying on a car insurance application

Have you ever bent the truth in order to save money? Although most people would not own up to blatantly lying when applying for a car insurance policy, withholding certain truths can have major consequences should the truth come out later on.

The consequences of lying on an insurance application to car insurance companies near me are serious

There is no way to soften this, but lying, withholding information or deliberate misrepresentation when completing an insurance form is insurance fraud. This is a serious matter and could lead to a criminal conviction and even imprisonment if you are found guilty in a court of law. At a bare minimum, you will find it incredibly difficult to get insurance for your car, and if you do, it will be much more expensive.

Your policy may be cancelled

If an insurance company feels as though you have not been entirely truthful on your application, they have every right to cancel the policy. This will then cause you a problem when you try to get insurance from another company, as you will be expected to disclose information on voided, cancelled or refused policies that have arisen in the past.

Your policy may be voided

A more serious scenario is if an insurance company has proof that you purposely withheld or changed vital information in order to get a cheaper policy. If this happens then the insurance company may void your policy from the start date, so it would appear as though the policy never existed. In addition to which, voiding a policy will automatically cancel any claims in progress, and that means any costs involved will have to be covered by you.

Policy refusal

The insurance company can also refuse to renew or even issue a car insurance policy due to non-disclosure or untruthfulness on an application. Things that people often lie about on an application include previous claims and previous convictions.

The bottom line

Lying on a car insurance policy application form is not worth the risk, as being found out later on can have dire consequences, leaving you uninsured, out of pocket and with a criminal record.

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Car Insurance

Top tips for young drivers in the UAE

If you are a young driver in the UAE and have recently passed your test, you may find the process of choosing your car insurance overwhelming, but it doesn’t have to be. Below we outline some top tips for young drivers to help you get the insurance quotes online you need at the best price possible.

1. Choose the right cover

While it may be tempting to opt for less insurance coverage, if you would be unable to replace your car if it was involved in an accident, then it is advisable to select a fully comprehensive insurance policy. This will ensure, no matter what scenario you may be involved in, e.g. a traffic collision or an act of vandalism, you will have the cover you need.

2. Prove you are a low-risk driver

As a new driver, the best way to prove to insurance companies that you are not a risk is by driving as safely as possible. In your second year as a newly-approved driver, you will be able to significantly lower your insurance quote if you have not made any claims or been involved in any accidents.

3. Carefully select your vehicle

Vehicles with expensive customisations, such as alloy wheels or powerful engines, are more expensive to insure. This is due to the fact it is more expensive for insurance companies to repair or replace them. While it may be tempting to choose an expensive model as your first car, it is better value to choose a car that meets your needs and does not have unnecessary customisations.

4. Compare car insurance online

The best and most effective way to ensure you select the right insurance policy at the best price possible as a young driver is to compare car insurance online. This will ensure you are receiving the best value for the cover you need and will prevent you from having to contact multiple insurance providers individually for a car insurance quote which can be time-consuming.

If you are a young driver looking for car insurance in the UAE, visit Compare Insurance today. We can help you find the cover you need effortlessly.

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Car Insurance

5 car insurance mistakes to avoid if you want to save money

As a smart and conscientious driver, you will already know the benefits of having a decent car insurance policy for when things go wrong. Shopping around for the most suitable car insurance deal is something that all drivers should do, but many people often make mistakes with their car insurance policy. Here are some of the car insurance pitfalls to avoid.

1. Inadequate coverage

One mistake to avoid is to automatically sign up for the policy that offers the cheapest quote. That low quote often comes at the expense of offering you a policy that doesn’t provide enough protection e.g. 3rd party insurance, something you may not notice until you make a claim.

2. Not being truthful about prior insurance claims

Prior to furnishing you with a quote, all insurance companies will ask you to disclose information regarding any prior car insurance claims you may have made. You need to make sure that the information you provide is up to date as any undisclosed claims discovered further down the line could see an increase in the cost of your policy.

3. Not adding all drivers

You need to be completely honest with regards to how many people will be driving the vehicle on your policy. Failure to disclose one or more drivers could result in either an increase in your premium or your policy being cancelled altogether should this information be discovered by your provider.

4. Not adding accident forgiveness to your policy

Make sure you ask the insurance company you are requesting a quote from if they have such a thing as an accident forgiveness feature on their policy. Under this plan, the first collision you have will not see an increase in your policy’s premium.

5. Not getting all the discounts you are entitled to

One of the most common mistakes people make when taking out car insurance policies is not making sure they are getting all the discounts they qualify for. Most insurance companies offer discounts for those who have not made any previous claims (often called a no-claims bonus), or for having additional security measures fitted to the car. Even adding a dash camera can often lower your monthly premiums as the footage it offers will make deciding who was at fault should a collision occur much easier.

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Car Insurance Health Insurance Travel Insurance

Is it difficult to compare insurance quotes online?

No matter what kind of insurance you’re looking for, whether it’s travel, health, home, or car insurance, you have the best chance of finding the right deal for you when you compare online. Comparing different insurance quotes online is the sure way to ensure you get the best possible quote – but is it difficult to do?

The simple answer is no, anyone can do it!

How do you compare quotes online?

There are two main ways you can compare travel insurance from different insurance companies online. The first is to make a list of insurance companies and make your application to each of them. When you get your quote back, you can compile those quotes in a list and see which is the best one for you. The trouble with this is that it’s time-consuming and laborious.

The second way is by using a dedicated insurance comparison site. There you make one simple application, no matter what kind of cover you’re looking for, be it home insurance, car, travel, health, etc, and the comparison tool does the hard work. It passes your application on to multiple insurance partners, who will then provide you with a quote. The quotes are automatically compiled in a list for you, and in many cases, you can have multiple quotes to choose from in as little as a few minutes.

How do comparison websites work?

Comparison websites partner with multiple insurance providers. When a customer makes an application through the comparison site, it passes it straight to those insurance providers. Generally, a comparison website will make its own money either through advertising or through fees for its service, either directly to customers or to the insurance providers. Either way, it offers a much faster and more convenient way to find a variety of insurance quotes in as little as a few minutes.

If you want to find your next insurance quote online, be sure to use a comparison site that you can trust in order to get the very best quotes possible. Whether it’s home insurance, car, travel, or health cover you need, you can rely on Compare Insurance for the quote.

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Car Insurance Travel Insurance

How to plan a self-driving holiday

If you have always dreamed of driving around different countries on a self-driving holiday, whether independently or with family and friends, it is important you carefully plan for your trip. In this blog post, we outline the top things you must consider and arrange before hitting the road.

1. Buy a reliable vehicle

Instead of renting a car or van, which you are unfamiliar with, you should choose to complete your self-driving holiday in a vehicle you own and are familiar with. This will ensure you do not experience any unexpected breakdowns and you are familiar with the driving limits of your car.

2. Find the right car insurance

If you choose to drive your car around the UAE or in a new country, it is essential you have comprehensive car insurance. Compare different car insurance policies and select a policy that offers you cover when in a different country. Insurance quotes online will ensure that should you get into an accident or breakdown, your holiday won’t be ruined by an extortionate fee.

3. Plan your route

While it may be tempting to hit the open road and see where it takes you, it is advisable to plan your route beforehand. This will ensure you can research any local rules and regulations and make sure you have the proper documentation to cross certain borders.

4. Revise your travel insurance

Ensure your travel insurance is updated before you hit the road. Even if you do not plan to leave the UAE, you may still require travel insurance. Selecting a comprehensive travel insurance policy before you begin your holiday will also ensure that should you decide to expand your holiday, or travel further afield than planned, you will be covered.

5. Create a budget

To ensure you do not blow all of your holiday budget in one destination, allocate a small budget for each place you plan to visit and try to stick to it. Remember, your biggest expense will most likely be fuel so this should be prioritised over other expenses.

Visit Compare Insurance

To ensure you get the best travel insurance and car insurance for your self-driving holiday, visit Compare Insurance today.

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Car Insurance

What information do I need to give when buying car insurance?

If you’ve just passed your driving test or bought a new car and need to insure it before you get out on the road, it can be a bit of a minefield. As well as sussing out the different types of car insurance, you will also need to get organised and know what information you need to provide to potential insurers. Having your documents at your side when you’re shopping for car insurance will make the process easier and faster to compare insurance quotes.

So without further ado here’s a checklist of the information you need when buying car insurance.

Driver’s licence

This one’s a bit of a no-brainer, but you will need your driver’s licence to hand in case you need to input any information from it. On a side note, you should always keep copies of your licence in case it goes missing.

Vehicle registration

You need to bring with or have to hand any vehicle registration forms as proof of ownership.

Current declaration page

If you already have existing insurance for the vehicle you want to insure, it’s time to unearth your existing insurance declaration page plus any other documents related to your policy. You never know when you might need to access those T&Cs!

Voided check

When you purchase a new car insurance policy you’ll be asked questions about whether you’ve ever had a past policy terminated, declined or voided in the past.

Something to keep in mind

After you’ve bought your shiny, new car policy your insurer can cancel your policy if you fail to disclose certain information. If you give false information on purpose it counts as fraud and could mean your insurance is voided.

Never lie or give false information, not only could you risk losing that great deal you’ve just found, but you will also find it much more difficult to get a new policy in the future.

Find a great deal on your car insurance by using Compare Insurance today.

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