How Insurance Providers Price Individual and Commercial Vehicle Policies?

Car insurance premiums in the UAE vary significantly between private (individual) and commercial vehicles, reflecting differences in usage, risk profiles, and coverage requirements.

Points to consider before making a decision:

• Private (Individual) Vehicles:

 Rates depend on various factors such as vehicle type and age, driver profile, vehicle specification (GCC/Non GCC), claims history, and selected add-ons (like roadside assistance, rental cover, or agency repairs).

• Commercial Vehicles:

Commercial vehicles are priced based on vehicle type, capacity, value and usage or purpose for which the vehicles are used. The business activity for which the vehicles are used along with the claims history will determine the price.

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