Car insurance is the one thing we all buy hoping to never use it, not even once! Despite the fact, we go to great lengths to keep us safe behind the wheels, the obscurity of our fate can bring anything anytime. Especially in a city like Dubai, driving can be challenging for those who are not used to drive in large, busy roads leading to accidents and paying a hefty amount of traffic fines.
So, whether you own a car or prefer a car rental in Dubai, make sure you are covered for any accidents that might happen. But we can’t deny the fact with each passing year, car insurance cost in Dubai has been scaling new heights. A big amount is spiked out and you have no escape than paying without any clue how the insurer arrived at that rate.
The car insurance is the basic need and the main problem is that we fail to fully understand it.
I’m sure this inevitable question of how to get best deals on car insurance premiums holds tight in front of every driver in Dubai. We can’t let car insurers have it all in their own way.
However, all is not lost as we can choose ways to reduce car insurance cost. To know how here are some tried and tested tips to enjoy a few extra bucks for yourself.
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Search around till the last minute:
There are many car insurance companies in Dubai spending a lot of money on commercial advertisements to convince you with eye-glazing policy options making it hard to compare and figure out the best deal. The only way to ensure you get the best for your pockets is to shop around. I would suggest using online comparison sites to do the hard work for you. Be careful though to make sure you are comparing like for like the cover.
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Build and protect your NCB:
The more claim free years you build, the more eligible you’re for attractive discounts on your car insurance premiums. Consider paying an extra premium to protect your no claim bonus, if you haven’t claimed for five years or more. But be warned, if you protect your policy and haven’t claimed for a number of years, the less valuable it becomes and could lead to eroding any potential savings.
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Lower your risks:
Make sure you’re not a party to an accident! Drive safe and within rules to avoid higher car insurance and black points. Hone in on your driving skills and if you prove that you are a low-risk driver, this could result in a lower insurance premium.
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Watch out for insurance trap cars:
Insurance companies calculate premium taking into consideration the model, year, type, and safety features of your vehicle. To buy the right car, be sure to check the insurance cost for your model of choice.
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Don’t put everyone on your policy:
Smooth out the risk by adding a second experienced driver with a clean driving license and decent no-claims history to your insurance policy.
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Cut your extras!
Be aware of what’s included in your car insurance quote. Don’t purchase covers you don’t need or want. Every extra will naturally bump up your premium.
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Boosts your excess!
You also need to check on how much excess is there on the policy. This is how much you have to pay yourself when making a claim. Agreeing to a higher excess could drastically reduce your car insurance. However, you need to work out how what you can afford to pay in the case of an accident and accordingly set your excess.
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Get your car in smart shape
Make sure your vehicle has smart technologies like the auto-braking system, black box, automatic parking system that supports better driving habits and reduces insurance claims in the best possible way. If you don’t have these technologies installed then it’s high time you make a wise investment.
Being surprised by your insurance company is rarely pleasant and not knowing where and how you went wrong is the worst! So, utilize the one-stop destination TripJohn to take care of your car insurance worries.