The Risks of Driving Without Comprehensive Car Insurance in Dubai

Car Insurance

The roads of the UAE are carrying more vehicles than ever before. As a matter of fact, there are about 390,000 new vehicles registered in the country. (Dubai Road Transportation Log) With such a huge number of vehicles hitting the streets, the risk of accidents is quite high. Therefore, it is always wise to buy car insurance in UAE and avoid unwanted consequences.

Among the different regions in the UAE, the streets of Dubai remain especially more crowded, with nearly 3.5 million vehicles operating on a daily basis. So, the significance of having comprehensive car insurance cannot be undermined. 

In this blog, you will explore the hidden risks of skipping comprehensive car insurance in Dubai. Let’s get started!

Consequences of Driving Without Car Insurance in Dubai

According to the rules and regulations in Dubai, a valid insurance is a mandate for every registered vehicle operating on the road. While the third-party car insurance is the minimum required coverage, opting for a comprehensive car insurance can provide you with optimal coverage for your own vehicle as well as that of the third parties. In case you are found driving without car insurance in Dubai, you may experience the following consequences:

Hefty Fines

The Dubai laws are quite strict when it comes to road safety and car insurance. Driving without a valid insurance may require you to pay a high price, which can go up to AED 500. In addition to that, you might even earn black points on your driving license.

Vehicle Seizure

If the officials in Dubai catch you without a valid insurance, your vehicle can be impounded for up to 7 days. As a result, you will be left without a vehicle until you settle the impound fees, causing a lot of inconvenience in your daily schedule. 

Legal Complications

Not having insurance can land you in legal trouble in Dubai. From hefty fines to several court appearances, you may have to deal with a lot of legal complications.

Risks of Skipping Comprehensive Car Insurance in Dubai

If you choose to drive without comprehensive car insurance, you will come across various hidden risks. Take a look at the most prominent ones!

High Out-of-the-Pocket Costs

Without comprehensive car insurance in Dubai, you will have to bear all the expenses in the event of an accident. Whether your car gets damaged in a road accident or a third party is injured, the medical expenses and repair costs will fall on your shoulders. As a result, it will lead to increased financial impact and affect your savings in the long run.

Limited Coverage

If you only have third-party car insurance, the coverage will be limited in case of an accident. The policy will cover only the damages to the vehicles and properties of third parties in the event of an accident. However, any damage to your own vehicle will not be covered. So, you will have to repair them on your own, increasing your financial burden.

No Coverage for Theft and Natural Disasters

Natural disasters and climate change have become pretty common in Dubai these days. As a result, there is a high chance of potential damage to your vehicle if it’s on the road when the natural disaster hits. If you do not have comprehensive car insurance, you will have to bear the costs of fixing the damage or repairing the vehicle parts. Moreover, when your prized vehicle gets stolen, you will receive no compensation and need to bear the brunt without any financial assistance.

Lack of Any Emergency Assistance

Most comprehensive car insurance in Dubai offers you add-on options like towing services and roadside assistance. So, in case your vehicle gets involved in an accident, sustains damage, or breaks down, availing of these services will prove to be a lifesaver. However, without comprehensive car insurance, you will not be able to access these services and experience more stress in difficult situations.

Mental Stress

Besides financial risks and legal complications, you will also experience a lot of mental stress if you do not have comprehensive car insurance in Dubai. The out-of-the-pocket medical bills, hefty fines, costly car repairs, and appearances before the court will surely impact your mental health significantly. Eventually, all these will affect your professional and personal lives, leading to a lot of unwanted chaos.

Final Thoughts

The number of vehicles on the roads of the UAE continues to increase over the years. So, ensuring optimum protection against traffic accidents is the need of the hour. Are you looking for comprehensive motor insurance in UAE? The New India Assurance Co. Ltd. is the ultimate destination for all your car insurance requirements. Reach out to the experienced professionals, share the specific details of your vehicle, and obtain comprehensive car insurance to safeguard it against unseen events.

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