
Third-party car insurance is the minimum cover required by UAE law, is affordable, covers the bare minimum, and provides injury cover. What happens, however, when not insured with a third-party insurance plan?
Third-party car insurance is the minimum cover required by UAE law, is affordable, covers the bare minimum, and provides injury cover. What happens, however, when not insured with a third-party insurance plan?
A third party insurance cover is a form of car protection that primarily covers damages and losses done to a third party’s property or the other person involved, and not necessarily the policy holder’s.
A third party car insurance cover is the minimum requirement mandatory as per regulations of the UAE and is the minimum coverage required for your car. As such, it covers damage done to the other party’s vehicle yet damages to the policyholder’s vehicle will not be covered. So you can provide car cover for other parties involved in an accident and not your damages.
What exactly does a third-party car insurance plan cover?
Cover |
Third-party car insurance cover |
Covers in the event(s) |
Accident |
Property Damage |
Covers damage to only third party vehicle |
Injury Cover |
Covers to injuries to the third party |
Why should you get a third party insurance cover?
Given that a third party car insurance cover is mostly single-fold, why should you opt for one compared to other car coverage plans in the market?
Compared to other car insurance coverages, a third party car insurance cover is most affordable and usually budget-friendly, especially for those that cannot afford higher coverage and premiums.
In case of an accident, injuries sustained to either party will be covered in third party car insurance. Although property damages or losses will only be covered for the third or other party involved, cover for injuries will be inclusive of both the policyholder and third party.
In the unfortunate event of an accident, if you are unable to pay for all the damages done to properties from your pocket, the third-party insurance coverage will aid in assistance to cover for the third party involved. This way, the third party should not have to suffer the loss of property damage, nor you from bearing such expenses.
Third-party car cover also provides a sense of security for those on the highway, as this prevents them from the losses of property damage and money in an accident they did not cause. It works as a guarantee for owners of cars in an accident that brought damages to their property.
Since third-party car insurance is the minimum car coverage available, it is made the basic coverage required by law in the UAE. So it is convenient for owners of cars to cover with the bare minimum within premium ranges they can afford.
Consequences of not having a third party car insurance cover
Since third party insurance can be affordable, convenient, functional and is the minimum cover required, the owner of a vehicle can be penalized by law if found without the possession of one. The said owner will also be held liable in the case of the following:
In the UAE, traffic violations are treated as a serious offence and violations committed without valid car insurance is even more so. As such, third-party insurance cover is widely known for its affordability and is the minimum car insurance cover required by UAE law. This is because it acts as a protection and guarantee in the unexpected event of an accident, and ensures that no party is inconvenienced.
It is therefore recommended to ensure car protection with at least the minimum cover possible, for safety and protection for you and others on the highway.
Ensure cover for your car with our suitable options car insurance policy made to fit your requirements.
It is said that the human body is the best picture of the human soul. If we have a healthy and fit body, it will display the state of the soul that resides in it.
Ramadan is the ninth month in the Muslim calendar. It begins with the appearance of the crescent moon. Fasting is one of the important rituals of Ramadan, read on for useful tips on fasting.
Learn about the tips to buy the best health insurance plan in UAE as they not only provide financial security but also gives you a wide range of coverages for your family and individual.