Comprehensive insurance means that in the event of an accident, if you are not at fault, you won’t have to pay anything. However, if you are at fault, you will only need to cover the insurance excess amount, which varies depending on the car, ranging from 1000 AED to 5000 AED. A police report is required in the event of an accident.
Additionally, if you are under the age of 25, you will also be responsible for paying 10% of the damage claim amount.
Comprehensive insurance is a crucial safeguard for drivers, offering extensive protection in the event of an accident. This type of insurance ensures that if you are not at fault, you won’t have to pay anything out of pocket. However, if you are at fault, your financial responsibility is limited to the insurance excess amount, which can vary depending on the car, ranging from 1000 AED to 5000 AED. A police report is required to process the claim in the event of an accident.
Detailed Explanation
When an accident occurs, comprehensive insurance covers the costs associated with vehicle repairs, medical bills, and other related expenses. If you are deemed not at fault, the insurance company takes care of everything, giving you peace of mind. However, if you are found to be at fault, you will need to pay the insurance excess amount. This amount varies depending on the type of car and the terms of your insurance policy, typically ranging from 1000 AED to 5000 AED.
Special Conditions for Younger Drivers
For drivers under the age of 25, there are additional conditions to be aware of. In addition to the standard insurance excess, younger drivers are also responsible for paying 10% of the damage claim amount. This added responsibility highlights the importance of safe driving practices for younger, less experienced drivers.
Examples and Scenarios
Consider the following scenario: You are driving your car and get into an accident with another vehicle. The police arrive at the scene and determine that you were not at fault. In this case, your comprehensive insurance will cover all the costs, and you won’t have to pay anything. However, if the police report indicates that you were at fault, you will need to pay the insurance excess amount. If you are under 25, you will also need to cover 10% of the damage claim.
Another example: A young driver under 25 gets into a minor accident, and the damage claim amounts to 10,000 AED. In this situation, the driver would be responsible for paying 1000 AED (the minimum excess amount) plus an additional 1000 AED (10% of the damage claim), totalling 2000 AED.
Conclusion
Comprehensive insurance provides invaluable protection for drivers, ensuring that you are financially covered in the event of an accident. Understanding the specifics of your policy, including the insurance excess amount and any additional conditions for younger drivers, is essential. For more detailed information and to find the best comprehensive insurance policy for your car rental Dubai needs, consult with an insurance provider today.
