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HI , 

Would like to get some expert opinion to renew my car insurance Pajero 2016 3.5LT.

My query is , do i need to take a additional off road package to get the insurance coverage while off road ?

What is the normal process if we come across any car body damage while off road like Bumper,mud flap damages ?Does it can cover in the normal insurance?

In roads if we met an accident , we have to get the police report . What about in Desert ? Is the process is same like road accidents ?

These are few general doubts in my mind ,Pardon me if you all feels it like nonsense.

Jay

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Nothing is nonsense here at Carnity @Jayakrishnan. People like you, Emmanuel, Frederic who ask a lot of questions help many other users in clarifying their doubts without even asking.

  • Insurance is more or less the same as the road coverage: the Third party will not cover your car and Comprehensive will most likely cover your car for any offroad damages.
  • Yes, you do need a police report for any damage done in offroad so that insurance can open a claim. If it's a collision it's a straight case of red and green paper like on road. If it's accidental damage hitting the dune, trees etc. then police report will come with a fine amount of 400 dhs (I guess) as it's your fault and the insurance will take care of the damages within the stipulated excess amount you have as per your policy.
  • Most insurance companies don't cover offroad damage, and others like RSA, AXA and Oman do cover offroad damage and one needs to read their offroad coverage clause carefully as some mention 5 meters away from the road and others have no distance limitation.
  • If you behave well and follow all the rules and convoy discipline chances are you will never damage your car. Almost all the accidents I have seen are caused by drivers who either think they can venture by themselves or just like to try some more adventure by breaking the convoy.
  • In my last 12 years of offroad, I have accidentally damaged my car twice - first was in 2006, when I was learning and broke the convoy to go little left and right and ended up on nose dive. The second was in 2017 when dune ended with a sharp drop and soft sand resulting in nose dive again because I was too fast in technical dunes (my mistake).

 

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I have comprehensive insurance with off-road coverage from Dubai National Insurance. It's 2k a year on a 2015 Pajero 3.5l LWB.

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3 minutes ago, Pajero_Mo said:

I have comprehensive insurance with off-road coverage from Dubai National Insurance. It's 2k a year on a 2015 Pajero 3.5l LWB.

Thanks for sharing your details as I never knew that Dubai National Insurance does offer an offroad coverage.

Have you read the offroad coverage clause and does it restrict to certain meters or unlimited?

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7 minutes ago, Gaurav said:

Thanks for sharing your details as I never knew that Dubai National Insurance does offer an offroad coverage.

Have you read the offroad coverage clause and does it restrict to certain meters or unlimited?

No problem 👍

There's no restrictions on the distance from the road but the deductible is higher for off-rad claims (1.5k).

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I have an Axa « Premium » comprehensive coverage (2.4k/y)  for my Xterra 2013 and I asked them about the restrictions. I was told that there is no limitation in terms of distance from the road. Just races not allowed. 

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I had very bad experience with Dubai National Insurance, I had to run around for 8 months to get my car repaired. They even refused to believe the police report for the incident.

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Yesterday I renewed my car insurance comprehensive for AXA for AED 2100, Pajero 2008 3.8, they said with offroad coverage but I had very bad experience and I didn't used it in offroad because I trusted someone after accident in offroad, I shouldn't 

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19 hours ago, Rahimdad said:

I had very bad experience with Dubai National Insurance, I had to run around for 8 months to get my car repaired. They even refused to believe the police report for the incident.

Ohh, that's unfortunate. I've actually never made an insurance claim with them. I hope I don't have to!

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19 hours ago, hossein said:

Yesterday I renewed my car insurance comprehensive for AXA for AED 2100, Pajero 2008 3.8, they said with offroad coverage but I had very bad experience and I didn't used it in offroad because I trusted someone after accident in offroad, I shouldn't 

For a 2008 model, your premium seems to be very high. My 2014 Pajero's insurance is Dhs 2K, full comprehensive from RSA.

Just out of curiosity, what is your car's insured value?

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