There was a total of 3,935 traffic accidents reported in the UAE during the first ten months of 2015 based on statistics released by the Traffic Coordination Directorate General. Even though traffic accidents decreased compared to 2014, road safety is a priority for UAE motorists. It also means, you need to pay special attention to the terms and conditions of your car insurance policy and ensure you’re covered in case of an accident.

But, are you confused about which policy is best for you? If you aren’t sure about the differences between policies offered, below we have made comprehensive and third party insurance a lot simpler for you.

What Is Comprehensive Motor Insurance?

A comprehensive car insurance is a complete package for your car. Any damages caused due to theft, accident, fire are covered. Along with this, you’re also covered against third-party insurance i.e. damages caused by your vehicle to another party. When applying for a car insurance policy, remember to check with your service provider if injury and passenger cover forms part of your policy. Below are instances which are usually covered by a comprehensive car insurance policy.

What does the policy include?

  • Vandalism
  • Glass Damages (Windshield)
  • Damages sustained by hitting an animal
  • Fire
  • Floodwaters
  • Natural disasters
  • Damage to third-party vehicle
  • Damage to your own vehicle

What does the policy exclude?

  • Depreciation of your vehicle
  • General wear and tear of the car
  • Mechanical or electrical failure
  • Damage to tires
  • Damages caused under the influence of alcohol

[Related: Don’t Understand Your Car Insurance Policy?]

What Is Third-Party Motor Insurance?

This is the most basic and mandatory form of motor insurance as per UAE law. The policy is usually cheaper compared to a comprehensive policy and covers damages caused to another party by your car. Third party insurance cover will not pay for any damages to your own car. Below are instances which are usually covered by a third-party car insurance.

What does the policy include?

  • Third-party fire and theft – any damages caused due to accidental fire or theft such as stolen music system or broken windows. (These can be included into your basic third-party car insurance)
  • Death or bodily injury to any third party or person as well as property damage caused by insured vehicle. (These can be included into your basic third-party car insurance)

What does the policy exclude?

  • Cover for damages to your own vehicle
  • No replacement car option available
  • Injuries caused during an accident