Question 1

What is motor insurance?

Accepted Answer

Motor insurance is a policy that protects you financially against damages or losses caused by accidents, theft, fire, or natural disasters involving your vehicle. In the UAE, motor insurance is mandatory for all vehicles.

Question 2

Is motor insurance mandatory in the UAE?

Accepted Answer

Yes. According to UAE law, every vehicle must have at least Third-Party Liability Insurance before it can be driven on the road.

Question 3

What types of motor insurance are available in the UAE?

Accepted Answer

There are two main types of motor insurance in the UAE: Third-Party Liability Insurance, which covers damages caused to another vehicle, person, or property and is mandatory by law; and Comprehensive Insurance, which covers your own vehicle as well as third-party damages and may include theft, fire, and natural disaster coverage depending on the policy.

Question 4

What does comprehensive motor insurance cover?

Accepted Answer

Comprehensive motor insurance may cover accidental damage to your vehicle, third-party liability, theft or attempted theft, fire damage, natural disasters depending on the policy, personal accident cover for the driver, and optional roadside assistance. Coverage varies by insurer and policy.

Question 5

What is not covered by motor insurance?

Accepted Answer

Typical exclusions include driving without a valid license, driving under the influence of alcohol or drugs, mechanical breakdown, wear and tear, and using the vehicle for illegal activities. Please check the policy wording for full details.

Question 6

How is the motor insurance premium calculated?

Accepted Answer

Your premium depends on several factors such as the vehicle make, model, and year, the driver's age and driving history, the type of coverage selected, the vehicle value, claims history, and any No Claim Discount.

Question 7

What is No Claim Discount (NCD)?

Accepted Answer

No Claim Discount is a reward offered by insurers for not making claims during your policy period. The longer you go without a claim, the higher the discount you may receive on your renewal premium.

Question 8

How can I buy motor insurance through eSanad?

Accepted Answer

You can buy motor insurance through eSanad by entering your vehicle details, comparing quotes from multiple insurers, selecting the plan that suits you best, completing the payment online, and receiving your policy by email.

Question 9

Can I transfer my motor insurance to a new vehicle?

Accepted Answer

Yes, many insurers allow policy transfers when you change your vehicle. The premium may be adjusted based on the new vehicle's value and specifications.

Question 10

What should I do if I get into an accident?

Accepted Answer

If you are involved in an accident, first make sure everyone is safe, then contact the police and obtain an accident report. After that, inform your insurance provider and submit the required documents to start the claims process.

Question 11

How do I file a motor insurance claim?

Accepted Answer

To file a claim, you typically need a police report, Emirates ID, driving license, vehicle registration card, and photos of the damage. The insurer will then assess the case and process the claim according to the policy terms.

Question 12

Can I renew my motor insurance online?

Accepted Answer

Yes. You can renew your motor insurance online through eSanad by updating your vehicle details, reviewing available options, and completing the payment.

Question 13

How long does it take to get motor insurance?

Accepted Answer

In many cases, motor insurance can be issued within minutes after payment when purchased online, subject to insurer approval and document verification.

Question 14

What documents are required to buy motor insurance?

Accepted Answer

Typically, you need your Emirates ID, UAE driving license, vehicle registration card (Mulkiya), and previous insurance details if applicable.

Question 15

Can I compare motor insurance policies on eSanad?

Accepted Answer

Yes. eSanad allows you to compare policies from multiple insurance providers so you can choose the coverage that best fits your needs and budget.

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