The UAE is a paradise for car enthusiasts, offering a wide range of vehicles from sports cars to luxury automobiles and spacious SUVs. For those on a budget, purchasing a used car in Abu Dhabi is a wise decision, as it allows you to save a significant amount of money. While the prospect of buying a used car in Abu Dhabi is exciting, insuring a pre-owned vehicle requires careful consideration.
Here are some essential tips to help you optimize your purchase and reduce costs on used car insurance policies:
- Compare Insurance Options
It is crucial to take the time to compare different insurance policies, whether Comprehensive or Third Party, to find the one that best fits your needs. You can easily do this by visiting our quotes page, where you can instantly compare policies online.
- Gather Required Documents
Make sure you have all necessary documents ready, such as your driver’s license and vehicle registration card. If you are purchasing your insurance from Shory, the process is even simpler—all you need is your Emirates ID and car plate number, without the hassle of gathering a long list of documents.
- Understand Premium Calculations
Investing time in understanding how insurance premiums are calculated can significantly benefit you. By knowing the factors that influence premium costs, you can optimize your coverage to suit your budget. One effective way to potentially lower your premium is by opting for a higher excess in your coverage.
- Look for Insurance Bonuses
Explore the benefits offered by insurance companies, such as no-claim bonuses, which reward customers who haven’t made any claims during the policy period.
- Check for Agency Repairs Coverage
Where possible, ensure that your car insurance policy includes coverage for agency repairs. These repairs are typically more reliable and efficient, offering peace of mind if your vehicle needs servicing.
- Confirm Emergency Services Coverage
It’s essential to have assistance in case of emergencies, so make sure your insurance policy covers emergency services. This ensures you’re not left stranded in a difficult situation.
For those seeking expert advice and easy access to after-sale claim services, the Shory Team offers the most relevant and up-to-date guidance. However, if you prefer handling the process on your own, you can follow a few simple steps on our intuitive platform by logging into your account.
Documents Needed for Getting Used Car Insurance in Abu Dhabi
Here’s a general list of documents required to get car insurance in Abu Dhabi:
- A driver’s license for yourself and any family members who will be driving the insured vehicle.
- A copy of the car’s registration (Mulkiya) as proof of ownership.
- Expatriates will need to provide a copy of their residence visa and passport when applying for car insurance.
- It’s also advisable to carry your Emirates ID and proof of the car’s specifications, such as whether it’s a GCC or Non-GCC vehicle.
Types of Car Insurance Offered for Used Cars in Abu Dhabi
Insurance companies in Abu Dhabi offer various types of coverage options, including:
- Third-Party Liability Cover
- Comprehensive Car Insurance
- GAP Insurance
Additional coverages (add-ons) such as breakdown assistance, courtesy cars, legal expenses coverage, misfuelling cover, lost or stolen key protection, windscreen cover, and personal injury cover are also available.
Tips to Avoid Scams in the Used Car Market
To protect yourself from scams when purchasing a used car, keep the following tips in mind:
- Be cautious about paying deposits without proper documentation and receipts from sellers. Always complete the ownership transfer of the vehicle.
- Check if there are any outstanding loans associated with the car you’re considering. Additionally, verify the vehicle’s specifications to determine if it’s a GCC or Non-GCC model.
- If applicable, confirm that the vehicle’s warranty is still valid and not nearing expiration.
- To avoid any potential issues, have the car inspected by a professional.
- Always take the car for a test drive to evaluate its performance and listen for any unusual sounds.
- Request a passing certificate from approved centers to ensure the car is in good condition.
- Ensure that the car’s registration hasn’t lapsed for more than two years and complete the transfer at authorized centers.
Obtaining car insurance for your used car is essential as it provides protection against accidents and other unforeseen events. If you are concerned about the costs involved in insuring a used car, keep in mind that expenses vary depending on factors such as the car’s make, model, age, and the specific type of coverage you choose.
