New India Assurance Car Insurance Plans Compared: Which One Fits Your Needs?

Car Insurance

In the UAE, the number of traffic accidents has increased more than ever before. About 4,748 accidents have been recorded across the country in 2024. (Source: The National News) Such incidents not only cause serious injuries but also may damage your valuable vehicles and lead to unnecessary financial expenses. If you are seeking ways to safeguard your vehicle against such unfortunate events and want to lower financial losses, be sure to buy car insurance in UAE from New India Assurance.

Whether you own a commercial or private car, getting insurance can provide optimum coverage during unforeseen circumstances. However, with different car insurance plans available, selecting the best one is indeed tough. Understanding and comparing what’s offered in each of the plans will make your choice easier. Read on to explore everything in detail!

An Overview of New India Assurance Car Insurance Plans

New India Assurance provides coverage for both private and commercial cars. The key plans include comprehensive car insurance and third-party liability car insurance. The core aim is to secure your vehicles in situations like accidents, natural disasters, malicious acts by third parties, and theft. 

Comparing Comprehensive Coverage and Third-Party Insurance

When you decide to buy car insurance in  UAE, there are basically two options. Let’s explore them in detail!

Comprehensive Car Insurance

If you want complete coverage to protect your car against all unforeseen situations, comprehensive car insurance proves to be ideal. This insurance can safeguard your car against:

• Damages due to collision, accident, or fire
• Natural calamities, including storms, earthquakes, and floods
• Loss of cars due to theft
• Third-party liabilities.

Besides these coverages, the comprehensive car insurance also gives you the flexibility to select several add-ons. It includes: 

• Off-road cover for private vehicles
• Windscreen damage coverage
• Personal accident benefit for both the passenger and the driver
• 24/7 road assistance
• Zero depreciation cover

Third-Party Liability Car Insurance

When a car accident occurs, it is the liability of the car owner to compensate for the losses of the third parties involved in the incident. As a result, you may have to bear a significant financial burden. Are you looking for a way to avoid such losses? Opting for third-party liability car insurance is a wise decision. This insurance will compensate for all the expenses in the event of an accident. It includes:

• Coverage for potential damage to the property of third parties
• Legal liability coverage for injuries or death of third parties involved in the accident.

How to Choose the Right Car Insurance in the UAE?

Buying car insurance need not be complicated. Here’s how to select the best car insurance in UAE! 

Know Your Needs and Goals

When it comes to buying car insurance in the UAE, every individual has unique requirements. So, having clarity about your needs and goals must be your top priority. Take a look at what matters the most!

• Car Value: If you own an older car whose value has significantly depreciated over time, meeting the legal requirement is enough. So, it is wise to go for third-party liability insurance. However, when you are driving an expensive or the latest model car, comprehensive car insurance is the ideal deal.
• Usage: If you prefer covering long distances by car, look for insurance plans that offer extensive road assistance. Apart from that, towing coverage can be an added benefit.
• Financial Budget: Before you start looking for your car insurance in the UAE, be sure to set your budget. Look for plans that offer the necessary coverage within your budget.

Understand the Premiums and Add-on Flexibility

It is no surprise that everyone wishes to get the best deals. Choose a car insurance plan that provides optimum coverage at affordable premiums. Moreover, ensure that the insurance allows you to add optional covers like roadside assistance and off-road protection.

Consider the Claim Process

When deciding on a car insurance plan, the claim process matters a lot. So, before finalizing any plan, ask these questions:

• How fast can the claim be processed?
• Is a digital claim possible?

Evaluate the Customer Support

Whether you have a doubt relating to a specific clause or want assistance while filing a claim, you may require the help of the customer support. So, be sure to choose an insurance that offers professional and responsive customer service.

Final Thoughts

Having car insurance in the UAE has become a need of the hour. By effectively comparing different plans, you will be able to make a smart choice easily and efficiently. Looking for the best car insurance in UAE? The New India Assurance Co. Ltd is the perfect destination for all your vehicle insurance needs. Reach out to the skilled and experienced team, share your specific requirements, and avail of the most appropriate insurance plans with ease!

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