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I have been using several car insurance in Dubai, since 2002 and based on my personal experience I found that RSA and AXA are one of the best car insurance that you can get in UAE.
Lately RSA started offering highly competitive rates without compromising on their standards, so I highly recommend RSA.
Here are the few things that I completely love about RSA Car Insurance:
No headache roadside assistance without any Emirates clause or limitation. Offroad cover comes by default for all 4x4. Offroad cover does cover dunes and desert than road side loose gravel - 50 meter clause. Oman coverage also comes by default or on request without impacting the premium (at least in my case). Get a very good no-claim discount, that I don't find any other car insurance cheaper than RSA. Claim department works perfect - as I had one claim when someone hit my car. Repair job was of perfect quality - done by Eurogulf - good garage - bit time consuming though. Last but not least, once you cancel the insurance they refund remaining months without any drama. This time, RSA car insurance have exceeded my expectations for refund by far.
When I sold my car recently I forgot to take the registration card copy. Tried to reach the new buyer since 4 days but he is not responding or willing to send me the new registration copy for some odd reasons. I explain the same to RSA and they send me a refund form and process the refund within 1 business day.
Now, that's what I call an awesome customer service while taking money and while giving back money.
Keep it up RSA, you guys are rock star.
This is to make everybody aware about the Service Recovery offer through Al Wathba Insurance.
I have been insuring my cars with service recovery option for over 10 years now and all the insurance companies I have come across and dealt with had unlimited recoveries throughout the year without any restrictions. For the very first time in my life I got the insurance from Al Wathba Insurance due to their good customer service and convenience. However I was surprised a couple of months back when I was in Kalba/Maliha area and needed recovery. I called the IMC number given and they confirmed my insurance and car details. The surprise came when they told me that I was in Sharjah area so they will only tow my car to any garage in Sharjah, I insisted that the garage I deal with is in Ajman, but they refused and insisted that I take it to any garage in Sharjah only. I was further surprised when I was told this was the first of the 3 recoveries allowed during the whole year.
As if this shock was not enough, I had a situation on last Friday in Liwa where I needed the recovery, I called the IMC number given and told them I would like to take my car to Musaffah which was in Abu Dhabi. They initially confirmed, but called me later to say I was in the Western Region of Abu Dhabi so could take it only within the Western Region. Not knowing Abu Dhabi so well I was really worried. I asked them to suggest me where I would take my car for urgent repairs in the Abu Dhabi Western region, but was told I need to tell them the place. Miles away from anything I checked with one of our fellow off-roader and he suggested Madinat Zayed. They confirmed that I could take it to Madinat Zayed and send the recovery accordingly.
I am just shocked as I was not made aware of these clauses at the time I was buying the insurance, and since I had never faced these restrictions I was not aware that these restrictions existed.
My main aim for starting this thread is to make everybody aware of the horrors of having such restrictions. So next time you are looking for a car insurance Al Wathba might not be the right choice for you, as you might be more comfortable with a certain garage closer to your place just in case the car needs a day or 2 to be prepared and ready to be in action again. I stay in Sharjah and if I had to leave the car in Madinat Zayed which is over 300 kilometers away it would be ridiculous to leave it so far, or have to pay heavily to get my car from Madinat Zayed to a garage in Sharjah after having silly restrictions and clause for the recovery services.
In conclusion if you want to avoid the restrictions and clause for the recovery services which is added on to the insurance please do not use Al Wathba Insurance. Next time if you have to go with a new insurance company check the restrictions before paying and finalizing the deal. Just trying to save a one day delay and having to go back to register my car, I fall in a trap unknowingly, but if I had in mind the inconvenience I have been facing for this year I would have happily got the insurance from the known company I was previously dealing with and face the inconvenience that one time only.
Please do share your comments and if you can share similar experiences and such insurance companies to avoid.
By Car News
If you love electric cars and you are a customer of Dubai Electricity and Water Authority (DEWA), then you can buy an electric car at a discounted price from the DEWA new online store on the smart app.
DEWA collaborated with several public and private companies and launched its online store on the smart app to offer exclusive discount and offers to its valued customers. Moreover, customers can also get insurance deals as well as an option to pay for their purchase in installments.
DEWA is conducting deals with different car makers, banks and insurance companies to offer its customers discount on electric cars. Till now, the company has signed an agreement with AW Rostamani Group and Al Ghandi Auto while discussions are underway with BMW and Toyota. Also, DEWA is partnering with banks such as Emirates NBD to provide easy financing plans.
You might not know it - but you might've picked up a whole new language while living in the UAE. It's not overly difficult to learn - in fact, you might have picked it up in a matter of weeks. It relies mostly on visual cues and actually doesn't involve a single word. And you'll only learn it if you drive a car.
Yes, we're talking about that unspoken language of driving on the UAE's highways - and every gesture, action and unnecessary light flash that goes with it.
While you'll pick up fairly quickly on why that person behind you is high beaming you so furiously when you're going 80kph in the fast lane, there's a host of other light flashing, indicator flicking and tailgating that makes up this unspoken vernacular.
We spoke to motorists about what each of these gestures mean, and brought in the Dubai Police to find out whether they might actually get you in a lot of trouble.
1. Flashing your headlights to force a vehicle to give way?
What motorists say: This is used, primarily when travelling in the fast lane, to tell a driver in front to pull over as they are driving too slowly. The number of and time between flashes depends on the driver behind's urgency - read: aggression.
What Dubai Police say: It is legal if it is meant as an alert to overtake another vehicle while maintaining a safe distance between the two vehicles, and overtake carefully.
Read more: Complete list of UAE traffic offences and penalties
2. Leaving the right indicator on while driving in the fast lane
What motorists say: Sometimes this is used to indicate to a driver behind that you that you are intending to move out of the way. For instance, if someone has flashed their high beams at you to move, and you cannot, you can indicate right so they know you will move when it is safe to.
What Dubai Police say: There is no reason for leaving the right indicator on, and whoever does so will be fined for not giving way to other vehicles.
3. Leaving the left indicator on while driving in the fast lane
What motorists say: Some say this means that you have no intention of pulling over; others say it indicates an intent to move but it is unsafe to do so at that moment.
What Dubai Police say: It has no meaning in legal traffic procedures.
Read more: Abu Dhabi Police issue safety warning after horror crash
4. Indicating left or right once, then indicating left or right again
What motorists say: This might be a controversial one, as we've only really heard it from one person - but it is supposedly a retort to being flashed from behind in the fast lane and means, in it's politest iteration: 'no, go away, I am not moving'.
What Dubai Police say: It has no meaning in legal traffic procedures.
5. Applying the brakes when a car is following close behind
What motorists say: This is one reserved for only the most dangerous of motorists - swinging in front of another person, and pumping the brakes so you're very much aware they're angry you didn't move out of the way fast enough. While this is incredibly menacing anywhere in the world, it's even more perilous in the UAE where speed limits are often higher and the vast majority of motorists are used to roads in different countries. No matter how angry you are at the car travelling 20kph slower than the speed limit in front - this should never be practiced.
What Dubai Police say: If the practice is made intentionally, a fine will be issued, stating 'driving dangerously in a manner that endangers others’ lives'.
Read more: Dh1,000 fine for rubbernecking introduced in UAE
6. Using your windscreen's water jets when someone is tailgating you.
What motorists say: While not as dangerous as pumping the brakes in front of someone, this is also used to inform someone travelling behind you that you're unhappy with their driving. The idea is that by hitting the water jets while travelling at high speed, the water will fly over your car and hit the windscreen of the one behind, causing them to slow down as they use their windscreen wipers to clear their windscreen. Again, this is risky behaviour - because if a driver has to slam on their brakes with little notice to clear their windscreen, and another car is travelling close behind them, this could cause an accident.
What Dubai Police say: It is an individual behaviour and has no meaning in the traffic law
7. Driving very close to the car in the front, instead of using high beam.
What motorists say: This is another way drivers try to intimidate people to move out of the way - coming up from behind and tailgating the car in front until they relent and move.
What Dubai Police say: It is illegal, and a fine will be issued, stating 'not leaving enough distance behind vehicles'.