The cost of car insurance in the UAE can vary greatly depending on several factors, including:
Type of car insurance:
- Third-party liability: This is the minimum mandatory insurance required by law in the UAE. It covers bodily injury and property damage to third parties caused by your vehicle. It's the cheapest option but doesn't cover your car or personal injuries.
- Comprehensive: This covers third-party liability, damage to your own vehicle, and medical expenses for you and your passengers. It's more expensive than third-party liability but offers much more protection.
Other factors that influence cost:
- Type of car: The make, model, year, and value of your car will all affect the cost of insurance. Higher-value cars or cars with higher repair costs will generally be more expensive to insure.
- Driver's age and experience: Younger drivers and those with less experience are considered higher risk and will pay more for insurance.
- Driving history: If you have a clean driving record, you may be eligible for discounts on your insurance.
- Level of coverage: Different insurance companies offer different levels of coverage, such as optional add-ons for windshield replacement or personal belongings. The more coverage you choose, the higher the premium will be.
Estimating the cost:
It isn't easy to give you a specific estimate without more information about your car and driving profile. However, as a general guide, you can expect to pay anywhere from:
- AED 600 - AED 1,500 for third-party liability insurance for a small car.
- AED 2,000 - AED 5,000 for comprehensive insurance for a small car.
- More for larger, more expensive cars.
The best way to get an accurate estimate for your car insurance is to compare quotes from different insurance companies. You can do this online through comparison websites or contacting insurance companies directly.
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