As you start driving on the roads of the UAE, there’s one thing you must pay heed to - Buying Car Insurance. This is a mandatory requirement without which you are liable to face a number of issues, both legal and financial. But buying your first car insurance policy can be a tricky process, especially if you’re unfamiliar with the jargon used in the terms and conditions. So as you start finding an insurance broker to activate the process for you, here’s some information on third party car insurance you should know about.

What is Third Party Car Insurance? 

There are two types of car insurance policy available in the UAE - Third party car insurance and Comprehensive car insurance. Third party car insurance is a type of plan that provides you cover for any damage accidentally caused to a third-party vehicle by you. Known also as third-party liability insurance (TPL), it doesn’t cover any damages that happen to you or your vehicle. You have the option of asking your insurance broker to opt for an add on service and make this plan’s benefits more holistic. 

Comprehensive car insurance on the other hand covers damages that happen to your person or car when you get into an accident. It is a less rigid plan that can be customised according to your needs.  

Benefits of Buying Third-Party Liability Car Insurance 

This is a mandatory car insurance policy for all drivers in the UAE and offers them a number of significant benefits. These include: 

Protection Against Liability: 

Buying third party car insurance provides complete against any liability originating from an accident involving a third person or property. 

Financial Safety Net: 

Buying this type of car insurance policy gives you a financial protective cover so you don’t have to divert your resources from their original goal in an emergency. 

Peace Of Mind: 

By having an insurance broker by your side, you get financial, legal and managerial resources in your corner, so you don’t have any worries while dealing with an accidental situation involving third party damage due to accident. 

Inclusions And Exclusions Of Third Party Insurance 

The list of inclusions in a third-party car insurance policy in the UAE include:

• Bodily injury or death to a third party
• Damage to third-party’s property caused by the insured 

Whereas, the exclusions in a third party car insurance plan include:

• Complete car replacement
• Injuries/damages caused to the insured vehicle or driver during an accident
• Any damage caused due to an ongoing war, war-like situation, nuclear risk (manmade disaster)
• When driving without a valid driving license
• Intentional injury or damage
• Driving under the influence of drugs and/or alcohol 

Third-Party Car Insurance Add-Ons

Third party car insurance policies don’t often offer a lot of options for add on services/benefits. But you should always check with your insurance broker, as they can find plans for you that offer add ons with your third party liability cover, or negotiate with the insurance company to get it for you. The add ons you can get in a third party car insurance policy include: 

• Personal Accident Cover for Drivers
• Personal Accident Cover for Passengers 

Documents Required  

Buying car insurance involves a lot of paperwork and processes. Thankfully, if you have an insurance broker by your side, you don’t have to worry about any of this. You just need to provide the broker with details of you and your vehicle. Some of the documents that will help you in this regard include: 

• Your driving license
• Previous insurance details (if any)
• Registration number and documents of the car
• No claim bonus (NCB) certificate (if any)
• Your Emirates ID
• Your passport
• Visa page as residency proof
• Additional documents and details like chassis number and engine number