Comprehensive insurance is a broad covering car insurance policy that covers damages beyond that of a third party. This cover is ideal if you need compensation for damages to your insured vehicle that was not caused in an accident with another car.
When selecting insurance, the driver has the option to select either third party cover or comprehensive cover. However, there is times when comprehensive cover is the mandatory cover for example, if you are looking to lease a vehicle then comprehensive cover is required.
Comprehensive cover is the highest for of insurance protection. However, different insurers can provide different forms of cover. It is important to compare your insurance policies in order to find the best coverage. Some may include roadside assistance or passenger cover for example, while others may require these to be an add-on to the policy.
Each case will be assessed by your insurer in the event of an accident. As such, we can not say for sure what will be covered, but we can give you a guideline of damages likely to be covered by your provider such as:
No, you are not required to have comprehensive insurance by law. However, many people in the UAE opt for comprehensive cover on their vehicle. Simply down to the fact that third party cover can be very limiting. You cannot control external factors that may damage your vehicle, so to save having to pay out of pocket later, many residents opt for comprehensive cover.