Blog

If you are looking to get affordable motor insurance in Dubai, it is essential for you to compare various automobile insurance policies available over the internet. Besides, you should provide some essential information to crack the best possible deal.

Why Comparison is Essential 

Good Dubai-based online portals always work with the leading insurance companies and service providers of motor insurance in Dubai. In this way, they help you in finding the right policy, which matches perfectly with your specific requirements. Whenever you opt to compare deals offered by multiple motor insurance companies you will save on your invested premium amount. Besides, in some cases, the comparison of insurance quotes let you avail the benefit of discounts and deals available on each of the policies. This step further reduces your premium amount. In simple words, comparison is the key to get the best possible value for your invested money.

Steps Involved in Getting the Best Insurance 

Getting affordable vehicle insurance Dubai requires simple and easy steps, i.e.-

• Completion of an online insurance form with each of the essential details
• Selection of the best possible insurance policy
• Making of a secured and instant online payment

Information required to crack the best deal 

You have to provide basic details about you i.e. the car driver and your car to generate you personalized quote for your car insurance. Accordingly-

• Details of Your Car

Online portals providing details on motor insurance Dubai may ask you about the year of manufacture of your car, its year of registration, exact place of the vehicle registration and so on. In addition, you have to provide details about your car model, car make and its value. On doing this, the insurer will give you an estimated value of your vehicle in accordance with your provided details. However, you may even change this value until and unless it remains within the range mentioned by your insurer.

• Personal Details

You have to provide your personal details, like your name, contact details, date of birth, nationality, your first driver license, the numbers of years, for which you had the driving license. Along with this, you have to mention the exact numbers of years, for which you have driven your vehicle without making any insurance claim. Excluding this, you have to mention whether you use your car for personal usage only, fulfills GCC specifications and does not imported from any other country.

Whether you own a small flat, a duplex, a bungalow, a villa or anything else, the beautiful yet dream home remains incomplete if you do not think about insuring the building, its valuables and furnishings properly. However, before you should seek policies related to home insurance in Dubai, you have to understand that the selection of an insurance policy depends on who you are, as we have discussed in this blog post.

Owner’s Liability Policy 

According to the homeowner’s liability policy, you get insurance coverage in the case of any accidental injury caused to any person and damage to any property. However, when you fill the form, you should make sure valuing the building in accordance with its re-building cost, as most of the insurance companies use the respective value while you make claims. You should keep in mind that re-building cost is often low as compared to the market price or purchase price of your property. Because of this, if you price it at re-building cost, you end up paying a relatively less amount of premium.

Loss of Alternative Accommodation or Rental Loss 

Under the home insurance in Dubai policy related to rental loss or loss of an alternative form of accommodation, a policyholder has the right to claim specified limits of money related to his/her selected policy.

Liability of a Tenant 

If you are a tenant of any property, say a flat, an apartment or a bungalow, you should never forget getting a suitable tenant liability-based insurance policy. The main role of this policy is to give you coverage in the case of any accidental damage to the building of your property owner.

Article Limit Policies in Dubai

Along with the insurance policies available for tenants, property owners or both, home insurance providers in Dubai offer an additional type of article limit policies for its policyholders. According to this, the insurance policy will list each of the personal belongings of the policyholder and related contents, provided their values are higher than the specific value mentioned in the chosen insurance policy.

Especially contents refer to each of the items found in your home and they are of immovable objects. These include kitchen and bedroom appliances, cabinets and dining table. Even though if you do not know or remember the exact costs, you should provide an approximate value of the contents present in your property.

One should never make the mistake of risking high financial burden by not getting car insurance for their expensive cars.  Car insurance provides coverage to the car against theft or damage occurred after the accident. There are various insurance companies operating in the market and all of them claim to provide the best policy. However, one needs to follow some simple tips to select the right auto insurance policy that will provide required coverage to the car as well as the driver.

While selecting the car insurance in UAE, make sure that you protect yourself completely against damage property as well as bodily injury. Having inadequate coverage can lead to huge complications and financial loss after the accident. Further, while insuring the driver make sure that first check about the discount eligibility. Insurance companies offer special discounts for teenage drivers, students, occasional drivers and for drivers having a good track record.

When planning to purchase car insurance for young drivers or teenage drivers, it is recommended not to invest in expensive cars. The reason behind this case is that the rate for an insurance policy becomes high because teenagers are believed to do fast and rash driving. Safety is one of the prime considerations while deciding the cost of the car insurance policy.

One of the easiest and effective ways to get the lowest insurance rates from car insurance companies is to make them realize that you are a safe and trained driver. This can be done by attending a driving course from the registered driving school. These courses are readily available and can be completed in a short duration; the best aspect is that it saves a lot of money spent on getting car insurance.

Some of the car insurance companies in UAE offer extra services like roadside assistance, GPS service, towing, etc and charge extra amount. All these services come handy, so investment extra money for getting these services is not a great idea.  Hence, simply say no to all these extra services and save some extra money on car insurance UAE.

Before making the final purchase decision one should enquire about different insurance policies in detail and then opt for the one that will go best with their requirement. Also, one can take reference from friends and family members who have already purchased a car insurance policy. The process is slightly time-consuming and requires efforts but it very beneficial in the long run and saves a huge amount of money.

Today, a large number of individuals opt to go for trip, family vacation or office with their cars. Reason for this is that cars are one of the easy mode of transportation from a particular place to another, while simultaneously, these vehicles save a valuable amount of time. However, driving cars on roads (whether you are on fault side or not) result in road accidents. Because of this, it is essential for every new car buyer and existing car owner to get proper car insurance in Dubai policy.

Insurance Coverage is Imperative to Drive on Road

Getting an adequate insurance coverage for your car or any other similar type of vehicle in Dubai is of highly imperative while you drive on road. Especially, you cannot overlook getting insurance if you often drive your car on roads prone to cause accidents, drive in heavy traffic roads and deal usually with unfavorable conduction.

Relieves Your Financial Tension

Car insurance company in Dubai is responsible to cover you and thereby, relief your mind from excessive financial tension or worry caused due to the expense that may take place because of any type of unintentional damage taken place to your car or any other vehicle. Considering this fact, you should make sure to stay aware about each term related to vehicle insurance and make sure renewing it regularly before its expiry, so that you may not deprive of getting benefits offered by your car insurance company in Dubai policy. You should always keep in mind that getting proper vehicle insurance in a timely manner and accurately is highly essential to stay safe on road even though it involves a monotonous procedure.

Getting Insurance Policy

 Today, with the help of internet, you may easily get your job of car insurance renewal in less time and with only a few simple and easy procedures. Only thing is that you have to consider a few important things to get an appropriate insurance policy to safeguard your life while you are on the road with your friends and family members.

Nowadays, people often get confused while selecting the best health insurance. There are so many questions that arise in the mind of the individuals while choosing the most appropriate plan for oneself. Let’s take a look on some of the key points that should be seriously considered while purchasing the handiest medical insurance plan.

Type of Plans

Insurance companies offer various plans suiting need of different individuals. One should first analyze the type of plan that will best suit their requirement. The selection of plan depends on the scope of coverage and also on whether it’s an individual plan or a family plan. Individual insurance plan provides medical coverage to only the insured individual whereas a family plan acts an umbrella providing medical insurance coverage all the members of the family. An individual plan is best for people who are young and do not have any dependency of aged parents. On the contrary, family plan is more appropriate for people having family responsibility as it covers parents, spouse and children.

Coverage Amount

The next key area is the coverage amount that can be availed by the insurer. Experts say that having insurance with low coverage is as good as not having insurance. Cost of insurance is increasing day by day and considering the increasing rising trend of medical expenses it has become even more vital to select a medical insurance plan providing wider coverage.

Benefit of provided coverage

Different insurance plan comes with its own list of benefits which is also known as coverage most of the plans provides coverage for hospitalization only. In addition some of the benefits are included in all plans despite of its type. Some of the common benefits include expense for hospitalization, ICU room, doctor consultation fees, post hospitalization charges, room rent, post-surgery procedures and so on.

People who drive cars are not only liable to take care of their life but also of their car. However, the fact is that not every car owner understands this fact and they end my causing road accident, which ultimately cost them huge amount of money. Hence, it is very essential that car owners should always have car insurance because it is correctly said that driving a car without Car Insurance in UAE is not less than a serious nightmare.

• Medical expenses: In majority of cases car accidents cause serious injuries which leads to bearing huge medical bills for recovery.  

• Medical expense for other people: At times, car accident causes injuries to other people also, so in that situation car owner is liable to pay for their medical expenses as well.

• Repair cost: If the accident had caused damage to property of the third party then the repair expense is taken care by the car owner. For instance, if the car is crashed at someone’s gate then expense for repair is provided by the car driver.

• Car repair cost: This is a self understand and obvious point that if any damage is caused to the car then the owner has to get it repaired.

• Theft: In case the car is stolen then the car owner has no other option than buying a new car. This causes severe financial damage to the car owner.

In all the above discussed scenarios, one can save them if they have a good Car Insurance in UAE. Car insurance providing wider coverage bear all the expenses caused in car accident. Understanding the seriousness and importance of having a car insurance, government has made it mandatory for all the car owner of buy insurance while purchasing a car and get it renewed before it get expired.    

Health insurance is a type of assurance that is given by the insurance companies against medical treatment. This assurance is given based on some agreed terms and conditions. Let’s have look on some more details related to health insurance.

One of the very common questions that arise in the mind of majority of people is who will pay for the medical bills? If the patient has health insurance then all of the medical expenses will be taken care of by the insurance company, but there are some mutually agreed conditions between individual and the insurance company. The objective of signing an agreement is to avail financial protection against the cost. There are times when the cost of treatment is very high and beyond the affordability of common people. Health Insurance plans in Dubai takes care of the health of policy holder.

Health insurance can be provided by government agencies, private firms or no profit organizations. All of these provide insurance after analyzing the health condition of the individual planning to purchase a policy. After analyzing the approx medical expense the risk if bifurcated and accordingly different health insurance plans in Dubai with premium are decided.

Coverage offered by health insurance Dubai is directly proportional to the premium. This means individuals paying higher premium receive wider coverage on medical issues. There are some people who avail more benefit than the premium amount paid and some incur no expense at all. Insurance companies take an average of all the scenarios and accordingly design the policies.     

In addition to this, government also funds the insurance for disabled people and senior citizens. This initiation is taken by the government to help physically disabled and old people having very limited income. This way taking care of health becomes quite convenient and affordable, hence; health insurance contributes a lot in health expenses.

These days, insurance has become an inevitable part of life. The concept first started with life insurance then the scope extended to health insurance, vehicle insurance, property insurance and so on. There are various benefits of offered by different property insurance companies in Dubai. This is the reason why is it very crucial for owners to get their property insured. Let’s take a look on some of the fascinating benefits of insuring properties.

• If the property owner give their property on lease or rent to someone with a condition to provide one month notice before leaving the property (if leaving before the completion of tenancy period) then in this situation property insurance Dubai bear the loss and reimburse the rent amount.
• Secondly if the tenant found guilty for illegal offense and have to leave the property immediately without giving any notice then in that case also insurance companies bears the loss.  
• Any sort of damage caused to the property is also taken care by the property insurance Dubai, but it majority depends on the extent of insurance coverage.

Different Property Insurance types

• Some of the popular types of insurances include:
• Rebuilding of property
• Repair expenses
• Rent loss
• Sudden or accidental damage of property

 Different insurance types have different premium amount. Higher is the insurance premium more is the coverage and vice versa. One thing which needs to understand is that insurance company is responsible for providing damage compensation only for the insured damage. Before taking the insurance it is very important that one should analyze all types of insurance types in detail.     

When damage occurs to the property, then property owners need to submit valid proof of damage to the property insurance Dubai UAE. The company then validates the claim and then provides damage cover.

Purchasing life insurance with the help of internet acts as convenient, cheap and fast method for every individual today. Because of this, a large number of people opt to purchase and/or renew the life insurance online policies instead of following offline channels. However, buying insurance with the help of internet gives many other benefits, which we have discussed here.

Informed Choice

Purchasing insurance policy via online allows you to gain access to detailed information about the respective plan, the salient features present in the product and the necessary terms and conditions on the website of an insurer and various comparison platforms. This makes sure about transparency and accuracy in the information and helps in going for an informed choice.

Buying life insurance online helps in easy evaluation for customers. Along with this, one can find online premium calculators to choose a plan that fits with specific requirements and available budget perfectly. Other than this, you may check financial records, claim records and insurers’ credibility based on different online forums.

Cost Effective

Online option associated with buying life insurance provides cost effective options to individuals. Premium available with online policies are of comparatively low, as buying directly from an online insurer eliminates paying extra money in the form of commission.

Fast, Easy and Convenient Method

We purchase life insurance policy to keep ourselves fully prepared for various uncertainties, which may strike with the time. Buying insurance with the help of internet saves our valuable time. Whether you have to purchase life insurance or any other similar plan, you no longer have to wait in a big queue to get the necessary quotes.

Buying life insurance online is convenient and easy, as it allows you to choose, compare and make payments only for the best available plan. Lastly, the procedure involved in online application for life insurance policy is quick and smooth, while involves the usage of a secured payment gateway to make the complete process fast as possible.

For more details about Life Insurance Online Policies visit us : https://afia.ae/life-insurance/

Insurance is obviously a great thing for an individual, as it helps in getting whatever he or she needs. In simple words, insurance remains available for everything, such as to get top quality of medical care, safety of your vehicle, getting compensation in case of accident and many more.

Because of this, looking for insurance services in Dubai is good idea. However, you should stay aware of the insurance quotes and scope of services. For this, you have to discuss with an insurance agent or a service quote, so that you may easily find out a proper personalized quote. Other than this, you should check a few important factors, as we have mentioned in this blog post.

Write Down Pertinent Information

Before you should step ahead for finding insurance services in Dubai, you should make sure to write down pertinent information at your hand. This will help you to shop faster and without looking on same things repeatedly. In addition, getting pertinent information frees up, so that you may put efforts to ask many good questions.

Ask for Discounts

Whenever you should go for insurance services Dubai, you should make sure collecting information related to offered discounts. You will definitely be able to get low rates to insure for two or more than two cars at the same time. In addition, you may get discounts, if you choose all types of insurance at a single go, such as home, health, dental and car with a single company or take a defensive driving course or specific conditions.

Review the Life Insurance Policy

 In case you want a good life insurance policy, you should make sure to review the terms and conditions. This will allow you to make sure that your chosen life insurance policy fits perfectly with the requirements of you as well as your family members. You should keep in mind that marriage and birth of any new baby require relatively higher extensive insurance coverage. Hence, you should select a life insurance policy accordingly.

To get numerous of the benefits of insurance plan, you have to find out an experienced and skilled insurance broker like AFIA Insurance Brokerage Services LLC. At the top, no one likes to get the insurance policy which is not within their budget or have no benefits. There are few steps that one ought to follow to take the insurance cover within their budget. Collecting information and learning for these steps before buying the insurance won't only save your money however additionally you can take the most effective deal. It will assist you to save your time and efforts as well. It will sequentially be really the best policy at the cheap cost.

Numerous of the queries come into the mind after you move to get insurance for you when you visit a local insurance broker or put your footsteps into the company of a reputed insurance broker in Dubai whereas, each of those insurances has their own advantages. Choosing one in all the insurance over the other would lead you to get the most effective insurance deal for you. An experienced insurance company provides various types of insurance policies and numerous of the benefits as well. Insurance covers you can get such as life insurance, medical insurance, car insurance, credit insurance, property insurance, etc.

The charges of all the policies are different according to the plans. After you select a deal it's necessary to find out what you can get and how you can easily secure your whole life with the help of a professional insurance agent. After you build a claim it is vital that you just ought to have somebody who will offer you the best value for your money. You must make claim only with that agent who may assist you in all the ways.

If you don’t know any agent, you can search online and find the best insurance brokers by checking their reviews. Websites like insurancemarket.ae can assist you to compare insurance online and find out the best deals for you.

Before buying car insurance policy you must compare car insurance UAE plan through the medium of the website when getting a free quote, assessing the premium, paying online, checking the riders, knowing the advantages as well as terms and conditions. You have to be compelled to bear the trouble of betting on the agent for all details, payment at insurance workplace or waiting at queues for renewals.

Car Insurance Policy offers the facility of comprehensive and third-party cover and it is boon for money security. Fairly often, we understand through newspapers, court judgments etc that compensation towards accident with third-party has been to the extent of lakhs and in exceptional cases even up to crores of rupees. Individual injuries additionally from time to time are no less a price. Undeniably, it is on the far side the capability of even individuals to pay such a high compensation.

Comparing car insurance UAE policies has several choices to seem when your money security at such an essential stage. It is money payment facilities in some cases. It is the obligation to pay third-party compensation. And mind you, all this is often in a very simple way and to your satisfaction. Some service givers offer the settlement of the claim in a week's time.

The only factor the insurance agent has got to detain mind that at the time of happening of the event for claim, one has got to promptly inform the claims team through the call center helpline and provides data like Name, Policy number, Contact Numbers and address, car number, build and model of car, garage details, address and call details of the person intimating concerning claim, which kind of claim is it - third-party, death, damage, theft etc. All such details are as per insurance document accessible to you. So, by using this method you can easily claim your car insurance policy.