Insurance Is a must when driving in the UAE! There is a huge variety of Insurance Companies in the UAE and it could get confusing to select the most convenient for you, but first you need to select between Comprehensive Motor Insurance & Third Party Motor Insurance.

Let’s learn more about the difference between them and which one you should opt for.

What is a Third Party Car Insurance?

Third Party Car Insurance is one of the most basic forms of Car Insurance that has been mandated as per the UAE law. It is cheaper compared to Comprehensive Car Insurance however, the drawback of Third Party Car Insurance is the coverage limitation whereas in the case of a faulty accident only the Third Party will be covered not yourself nor your damages.

In other words, if you have purchased a Third Party Car Insurance Policy for your car and have been involved in an accident, you will have coverage for the damages that have occurred to your car with your own money. However, a Third Party Car Insurance Policy does cover the scenarios:

  1. a)     Fire & Theft Cover (Add – on facility)
  2. b)     Bodily injuries or death of a Third Party as well as damage to the property that has been caused (Add – on facility)

The Policy, however, does not cover:

  1. a)   Cover for injuries/ damages caused to you or your vehicle.
  2. b)   Replacement Cars and other facilities are traditionally not available in certain cases.

What is Comprehensive Car Insurance?

Comprehensive Car Insurance is the most favorable Insurance Coverage as it covers not only the damages caused to you and your car but also of the other party who was involved in the accident. A Comprehensive Car Insurance Policy offers complete peace of mind to the person who has been involved in an accident as it also covers their hospital bills.

These are the general features of Comprehensive Car Insurance in the UAE, you can also opt for various additional features (such as engine cover, 24/7 roadside assistance, etc.) by paying some extra money.

Along with its numerous benefits, you will also have to understand that the terms of Comprehensive Insurance can be different for every insurance company due to their policy guidelines and regulations.

Make your selection: Comprehensive Motor Insurance or Third Party Motor Insurance?

The benefits and coverages of each Insurance Policy are different when compared, it is up to you to decide which is more convenient and affordable to maintain. We are happy to guide you throughout the differences and similarities and suggest the most suitable coverage for you!

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