October 28, 2025

Comprehensive Car Insurance: A Complete Checklist You Must Know

In Sharjah, UAE, the streets glitter with luxury cars. But the number of accidents has increased significantly over the years. As a matter of fact, about 320 traffic accidents and 403 traffic injuries were reported in the area in 2020. (Source: UAE Stat) To protect your vehicle against such accidents, getting car insurance in Sharjah is the need of the hour.

When it comes to car insurance, you might be confused between third-party and comprehensive car insurance. However, buying the latter one is a better option. This blog will provide you with detailed insights into a complete checklist for comprehensive car insurance.

An Overview of Comprehensive Car Insurance

Comprehensive car insurance offers robust coverage for your vehicle. While the third-party insurance covers the injuries and damages to other people’s property, comprehensive insurance protects your vehicle too. As a result, you can safeguard your vehicle against a number of risks. Whether it’s the occasional sandstorms or the chaos of city traffic, you will be rest assured of complete protection against the unexpected.

Why Buy Comprehensive Car Insurance in Sharjah?

Buying comprehensive insurance for your car can provide you with numerous benefits. Delve into the most prominent ones!

Financial Protection: By offering coverage for a wide variety of risks, this insurance significantly lowers the financial burden of the policyholders.
Better Resale Value: Buying comprehensive car insurance can help maintain the resale value when you decide to sell the vehicle.
Peace of Mind: Having insurance will not only protect your vehicle but also enable you to drive on the roads of Sharjah without any constant pressure. So, you can expect complete peace of mind.
Cost-Effective Option: While the upfront cost of comprehensive car insurance may be a little higher, it can enable you to save a lot in the long run. With this coverage, you can ensure optimum protection for the policyholder and the third-party.

Complete Checklist for Comprehensive Car Insurance

Are you planning to buy comprehensive car insurance Sharjah? Here’s a complete checklist you need to know!

Evaluate Your Vehicle’s Condition

The age of your car is a vital factor that must not be overlooked when buying comprehensive car insurance. The insurance providers usually offer coverage for cars up to a specific age. Cars beyond that age may not be eligible for the policy. Therefore, evaluating the age and condition of your vehicle matters.

Know the Inclusion

When getting comprehensive car insurance, you must have an idea of what’s included in the policy. Take a look at all that is covered!

Coverage	Benefits
All-inclusion Protection	Provides coverage for damages due to theft, natural disasters, accidents, and fire, irrespective of whose fault it is.
Third-Party Liability	Offers protection against damage or injuries caused to others.
Add-On Covers	Provides additional coverage like roadside assistance, off-road coverage, and renting a car.

Understand the Exclusions

The comprehensive car insurance will not provide coverage for:

Damages incurred when using the car for different illegal activities
Electrical or mechanical breakdown of the vehicle
Wilful damages caused to the car
Wear and tear of the car
Damage due to oil leakage.

Look for Flexibility

Not every car owner has the same requirement. Therefore, the comprehensive car insurance usually has add-on options like:

Personal accident benefits for the passenger and driver
Agency repair solutions
Roadside assistance
Renting a car
Windscreen damage coverage
Off-road coverage.

Consider the Premium Costs

No doubt, comprehensive coverage will cost you more than the third-party insurance in Sharjah. However, a balance between the premium cost and level of coverage offered is crucial. Make sure that the policy you choose provides maximum coverage without breaking your bank.

Check the Claim Process

Besides the inclusions and exclusions of comprehensive car insurance, the claim procedure also matters. Be sure to get insurance with a seamless claim process. The core aim is to ensure that you obtain the entitled compensation in an efficient and hassle-free manner. Carefully check the documentation requirements and confirm support offered.

Evaluate Professional Assistance

Buying car insurance isn’t as simple as it seems to be. In the event of an accident, you may require the assistance of the experts to process the claim and obtain compensation. Make sure that professionals with proven expertise are ready to help you complete the procedure.

Final Thoughts

Having comprehensive car insurance is no longer optional; it has indeed become a necessity. Now that you are well aware of the checklist, it’s time to get the insurance and secure your prized possession. Are you looking for reliable car insurance in Sharjah? The New India Assurance Co. Ltd can provide you with the best options. Connect with the experienced team of professionals, discuss your specific requirements, and avail of the appropriate solutions.

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