UAE-ൽ car drive ചെയ്യണമെങ്കിൽ insurance mandatory ആണ്. Insurance ഇല്ലാതെ drive ചെയ്താൽ AED 500 fine + black points. ഏത് plan best ആണ്? ഈ guide-ൽ complete information.
Insurance Types
| Type | Coverage | Cost | Best For |
|---|---|---|---|
| Third Party (TPL) | Others-ന്റെ damage | AED 600–1,200 | Old cars |
| Comprehensive | Own car + Others | AED 1,500–5,000 | New/expensive cars |
✅ Comprehensive Insurance-ൽ കിട്ടുന്നത്:
- Own vehicle damage (accident, fire, theft, flood)
- Third party liability
- Personal accident cover
- 24/7 roadside assistance
- Agency repair (new cars)
💡 Top Providers 2026:
- ADNIC — Best for Abu Dhabi residents
- RSA Insurance — Good comprehensive plans
- Oman Insurance (Orient) — Wide network garages
- AXA / GIG Gulf — Digital-friendly, quick claims
- Dubai Insurance — Budget options
Claim Process
| Step | Action |
|---|---|
| 1 | Police report collect ചെയ്യൂ |
| 2 | 24 hours-ൽ insurance company inform ചെയ്യൂ |
| 3 | Approved garage-ൽ vehicle submit ചെയ്യൂ |
| 4 | Claim form fill ചെയ്യൂ + documents submit |
| 5 | Assessment, repair, collect |
🔹 No Claim Bonus (NCB) എന്നാൽ?
Claim ഇല്ലാതെ ഓരോ year കഴിയുമ്പോഴും premium discount കിട്ടും — maximum 20–25% discount possible.
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Disclaimer: ഈ article general information മാത്രമാണ്. Latest updates-ന് UAE official government websites check ചെയ്യൂ.