Having a car in Dubai is simply a must for most expatriates. You will have to put up with busy traffic and congestion, but it is much better to be in a car than in a public transport bus. You cannot register your vehicle without insuring it first. Just like in any country, you are legally obliged to purchase auto insurance.
You have to buy a package that corresponds to the legal minimum set by the Dubai authorities. These packages are called TPFT, which stands for third party, theft and fire. Basically, it covers property damage and injury liability. It also gives you a basic level of financial protection in case of your car being stolen or damaged by fire. As the name suggests, this type of policy does not provide collision coverage.
You can readily opt for comprehensive insurance that will cover financially the damages on your vehicle, in case of a road accident. There are different levels of this type of coverage, including basic and premium. It is up to you to decide whether to purchase such a policy or not. Keep in mind that a pre-used vehicle that is older than 5 or 7 years might not be approved for it. Another important thing is to check how flexible and fast the payment to you will be, when you need it. Generally, if you opt for a basic comprehensive policy, you can expect to go through a lot of loopholes to get your money.
There are a number of ways to save on auto insurance in Dubai. Naturally, you will have to pay a lower premium, if you have a safe car. That is why you can readily research any model you are considering for this particular criterion. Usually, the sports cars are considered more dangerous, but you should check explicitly for any model. This is necessary since models that are relatively safe in other countries may be considered more dangerous in Dubai, if they have been involved in a larger number of accidents.
Perhaps the best way to save on auto insurance is to show the insurer that you are a good driver. You simply need to obtain a no claim bonus certificate from your insurance company back home. With this document you can get a considerable discount. You might even pay only 60% of the quoted price.
Shopping around will certainly result in a lower premium on your car insurance. There are many companies offering these polices in Dubai. You might not be able to obtain lots of quotes online, so you should consider using the services of an insurance broker. It is important for you to work with a reliable intermediary that will get things organized quickly. Ask around for such brokers. You can readily check the insurance brokerage services offered by banks as well.
Overall, it should not be difficult for you to find an affordable and reliable auto insurance package in Dubai. Just keep in mind that your premium will go up automatically, if you are younger than 25 and, especially, if you are a male driver.