Shopping for automobile insurance online can be confusing as there's several companies offering various options. Since it is mandatory to get motor insurance in order to drive in Dubai, it is imperative to receive a quote that is both cost-effective and beneficial.
Different insurance sites may give varying automobile insurance quotes and sometimes the discrepancy can be a tad baffling. So in case you think that all automobile insurances cost more or less the same, then you may need to hold on to that thought…
Well, initially read the following points to understand the contributing factors which select the insurance quote:
Your insurance quote depends on your claims / accident history in the recent years. In case you have been claim free your automobile quote would be lower than what it would be had you been involved in an accident.
Well, for all you people out there who thought that violating little traffic rules is not a massive deal; there is news for you! Your driving records play a role in the motor automobile insurance quote given by the insurance company. So in order to receive a reduced motor insurance quote in Dubai, make sure to have a neat driving record.
The age of the driver is and a key factor which determines a motor insurance quote in Dubai. Individuals below the age of 25 are usually quoted higher rates due to the high risk nature of the age group unless they have a ‘no claim bonus’ certificate.
The above mentioned criteria are applicable in all instances – whether you’re obtaining a quote for a brand new automobile or for the renewal of an existing one.
Since automobile insurance is mandatory, driving without one is an offence. In the event of an individual desirous to change an insurance company for any reason, he needs to receive an insurance cover from the new insurer prior to cancelling the existing cover. Insurance firms need a proof of new insurance in order to cancel an existing cover due to the legal mandate.
Equally important is to keep in mind whilst choosing an insurance company is that it not only offers nice discounts but also offers nice service at the time of a claim.
In case you have moved to Dubai from another country make sure you have collected your no claim bonus certificate from your earlier insurer. Having a ‘no claim bonus’ certificate entitles you to nice discounts and a competitive quote.
Also, if your automobile is older than five to five years, it could be a challenge for you to receive a comprehensive automobile insurance quote.
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