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Additional protection options
While comprehensive policies provide a broad range of protections, they may not cover every conceivable risk. Policyholders often have the opportunity to enhance their coverage through a variety of add-ons.
Agency repairs
Recommended for newer vehicles, this option ensures repairs are conducted at official dealerships with genuine parts
Protected no claims bonus
This option allows you to retain your no-claims discount, safeguarding your lower premiums even after filing a claim
Roadside assistance and breakdown recovery
A service for emergency assistance and vehicle recovery in case of breakdowns, providing crucial support when you need it most
Hire car
A temporary replacement vehicle to use while your own car is being repaired, mitigating the inconvenience of being without a car
Why CAFU?
Pick a plan that works best for you and your car
Get your insurance approved within minutes
No obligations. Your quote will be valid for 30 days
A truly exclusive insurance
We get it, finding the perfect insurance can be overwhelming. Luckily, we have a team that is dedicated to getting you a flexible and hassle-free insurance at exclusive CAFU rates.
Questions? Answered.
How should one go about purchasing Car Insurance in Dubai?
- Assess your insurance needs.
- Obtain and compare quotes from reputable insurance agents.
- Review the benefits each company offers before finalizing.
What differentiates Third Party from Comprehensive Car Insurance?
- Third Party Insurance, mandatory in Dubai, covers damages to others caused by your vehicle.
- Comprehensive Insurance adds protection for your vehicle, covering theft, damage, and more.
What are the additional protection options for insurance?
Agency RepairsRecommended for newer vehicles, this option ensures repairs are conducted at official dealerships with genuine parts.Protected No Claims BonusThis option allows you to retain your no-claims discount, safeguarding your lower premiums even after filing a claim.Roadside Assistance and Breakdown RecoveryA service for emergency assistance and vehicle recovery in case of breakdowns, providing crucial support when you need it most.Loss Of KeysSupport for situations where car keys are lost, including vehicle recovery and key replacement services.GCC CoverAn extension of your insurance to cover road trips within the GCC countries, ensuring peace of mind even beyond UAE borders.Personal Accident BenefitsFinancial compensation for the driver and passengers for injuries, disability, or death resulting from car accidents.Hire CarA temporary replacement vehicle to use while your own car is being repaired, mitigating the inconvenience of being without a car.
What are the exclusions in car insurance policies?
Car insurance is crafted to mitigate a range of risks associated with vehicle ownership and driving. However, like all insurance policies, car insurance also has its exclusions. These exclusions highlight incidents and damages not covered by the policy, usually because they fall outside the scope of "relevant risks" or are better addressed by other insurance types. Notable exclusions typically include:Illegal ActivitiesDamage resulting from the engagement in illegal activities, such as driving under the influence of alcohol or drugs, is not covered. Insurers will not bear the cost of recklessness or deliberate law-breaking.Instructing Learner DriversIf you're instructing a learner driver, any damage caused during the lesson is excluded unless the instruction is happening in a driving school's vehicle and under their insurance policy. Private car insurance does not cover teaching scenarios.Personal Property DamageWhile comprehensive car insurance may cover the damage to your vehicle, it does not extend to your personal property. For instance, if you damage a wall or a part of your house with your car, the vehicle's repairs might be covered, but the property damage will not be, unless you have a home insurance policy that covers such damage.Driving in Hazardous ConditionsDriving through a flood can be inherently risky, and some insurers may exclude coverage for damages incurred while driving during a flood. Coverage is often only extended to vehicles that were stationary and parked during the flooding event.Understanding these exclusions is crucial for maintaining the validity of your insurance coverage and ensures you are not caught off guard by uncovered damages in unfortunate events. Always review your policy thoroughly and consult with your insurance provider for complete clarity on what is and isn't included in your coverage.
Is it possible to transfer my Car Insurance to a new vehicle owner?
- If remaining policy is under 9 months, transfer is not permitted.
- For policies over 9 months, check with the insurer for transferability or potential refunds.
What are the steps for filing a Car Insurance claim in Dubai?
- Document the accident with photos of damages and injuries.
- Report to the police and insurer immediately for assessment.
- Present a valid driving license during the claim process.
What factors affect the cost of Car Insurance in Dubai?
- The premium is typically between 3% to 5% of the car’s value.
- Driving record, age of driver, and duration of license held are also considered.
Which documents are necessary for obtaining Car Insurance?
- Driving license, vehicle details and registration card.
- RTA Certificate of Transfer if changing ownership.
When is the right time to renew Car Insurance?
Annually, coinciding with vehicle registration, plus a 30-day grace period for renewal without penalty.
How can I buy Car Insurance or renew my Car Insurance?
- Contact CAFU for assistance to ensure fast and frictionless insurance renewal and to get the best car insurance.
- For a new provider, provide a driving license, Emirates ID, car registration, passport, and visa copies.
What are the consequences of not having valid Car Insurance?
Driving uninsured incurs a fine of minumum AED 500, 4 black points on your license, and your vehicle may be impounded for 7 days.
How frequently is Car Insurance payment made?
Payment schedules are usually annual, varying by insurer, you can also pay for your car insurance online.
Are there discounts for drivers with a clean record?
Many insurers offer a No Claims Discount for drivers without any claims in the preceding policy period.
Can Car Insurance cover any driver of the insured vehicle?
Policies may vary; some cover the vehicle regardless of driver, others are specific to named drivers.
Is off-road driving covered in Car Insurance policies in Dubai?
Typically not included in standard policies but can be added as optional coverage.
Are there any geographical limitations to Car Insurance coverage?
Some policies include GCC coverage; others are limited to the UAE.
What support services are available with Car Insurance?
Additional options like roadside assistance, legal cover, GCC cover, offroad cover and rental car provision are available for enhanced protection.
