December 04, 2019

UAE Insolvency Law | Financial Settlement for Residents

UAE Insolvency law, insolvency application, insolvency file, bankruptcy law in uae

There are thousands of debtors inside and outside UAE facing difficult time of their life due to financial inability. If you are one of them no need to worry more as UAE Cabinet approved a new Insolvency law through which a non-payer (defaulter/debtor) can seek help to pay the dues, not only this the debtor can avoid criminal prosecution too.
September 14, 2019

Best Car Insurance Companies in Dubai and UAE

Insurance companies in Dubai, Car Insurance UAE, Car Insurance Dubai,

Why to visit insurance companies in UAE when you have a website where you can get everything about car insurance? On this page you can get the list of top insurance companies in Dubai and the other emirates of UAE along with additional details such as types of insurance, benefits, dos and don'ts of insurance.

Before proceeding to guide, please note that it is mandatory for car owner to apply for vehicle insurance as per insurance policy and UAE law.

Types of Motor Insurance in UAE:

There are two types of vehicle insurance policies in UAE:

1.     Comprehensive Insurance
2.     Third Party Insurance

Comprehensive Insurance Policy:

Motor comprehensive insurance also known as full insurance is a complete safety package for car owner which includes all types of damages to the car either due to road accident, theft or fire. It also covers and pays to the third party if you’re involved in a road accident.

It is advisable to insurance buyers to check with insurance company if passenger injury (physical injury) included in your comprehensive insurance package or not.

Basic and add-ons benefits of comprehensive motor insurance:

·       Car replacement in case of full loss (6 months old car)
·       Damage repair to your own vehicle
·       Damage repair to third party vehicle
·       Dent repair (paint-less dent removal)
·       Door lock replacement in-case keys are stolen
·       Natural disasters
·       Vandalism
·       Windshield or glass damages
·       Fire
·       Damages sustained by hitting an animal
·       Floodwaters
·       Towing service and roadside assistance
·       GCC cover (outside UAE)
·       Return of personal belongings or amount of it
·       Emergency medical cover

Excluded from Comprehensive Insurance Package:

·       Depreciation of your vehicle
·       General wear and tear
·       Mechanical or electrical failure
·       Damages to tires
·       Driving without driving license
·       Driving under influence of alcohol
·       Intentional damage
·       Unethical use of a vehicle
·       Overloading

Third-Party Insurance Policy:

Motor third-party insurance is a basic form of policy which cover damages caused to another party by your car, third party insurance will not pay for any damages to your own car.

In simple words, a person who is purchasing third party insurance must repair car on his own expenses.

Require Documents:

·       Photocopy of Driving License
·       Emirates ID copy
·       Vehicle Registration Card (Mulkia)
·       Vehicle purchase invoice
·       No claim bonus (if applicable)

What is No Claim?

No claim is known as “no claim bonus” (NCB) which is like a reward that issue to motorist if he/she don’t make any claim (accident/damage) during the term of insurance policy. The good thing is that 1 year’s worth of no claim could get driver up to 7% discount on next purchase.

How to choose best insurance plan?

who does not want cheap and best insurance for their car? before buying insurance in UAE consider your expectations and needs as per your car model.

If you owned old models (used cars) we will suggest you to buy third-party insurance which approximately cost you around 700 AED but if you are going to drive zero kilometer or luxury car you must go for comprehensive insurance plan (full insurance) as in-case of accident or damage to the vehicle, the repairing or buying parts for new cars will be expensive.

But if you owned the full insurance plan, you don’t need to pay anything from your pocket; everything will be repair or replace by agency.

How to get Car Insurance Online:

·       Visit website to complete online form
·       Select your insurance policy
·       Pay online through your credit/debit card

Best Insurance Companies in Dubai and UAE:

Below is the list of leading insurance companies in UAE, click name of the company to visit their official website for insurance quotes or to purchase your policy online in few minutes.

1.     Salama Insurance 800725262
Salam wins best family takaful operator award in 2016 is one of the leading insurance company that offer Islamic insurance in UAE, Kingdom of Saudi Arabia, Jordan, Egypt, Senegal and Algeria which offer both comprehensive and third party insurance to the insurance buyers.

2.     Adamjee Insurance +97142752337
Adamjee is ISO 9001 certified and is also the largest general insurance company of Pakistan with its head office in UAE; Adamjee TAKAFUL plan gives the maximum coverage against theft, accidental damage and third party liability with greater features and benefits.

3.     Watania Insurance +97126138888
Watania Insurance company is known for its fastest claim settlements, along with two general insurance plans comprehensive and third party, Watania recently launched Watania Plus with additional benefits including Mulkia registration, discount on getting international driving license and roadside assistance.

4.     Union Insurance 80084248
Union allow motorists to buy and renew insurance online with special benefits such as air reward points, agency repair replacement for 5 years, 24/7 roadside assistance, ambulance service, emergency medical expenses and much more.

5.      Aman Insurance 8004998
Both private and commercial vehicle owners can buy insurance through Aman online (Dubai Islamic Insurance and Reinsurance Co.) which provide numerous benefits such as free of cost 24/7 roadside assistance, cover for injury to the driver and passengers, replacement of vehicle at very reasonable price, unlimited third party coverage for death or injury and much more.

If above list of insurance companies does not suits you, try Axa Insurance and Orient insurance Dubai, the popular car insurance Dubai firms who fully understand customers need.
September 02, 2019

How to Verify if this UAE Visa is Real or Fake?

uae real visa vs fake visa

As per our research some visa agents scam people with fake visas or work permits, to avoid UAE visa fraud, we decided to share a guide "How to check UAE visa is original or fake" with people who wish to visit Dubai to look for job, they can save their hard earn money by checking online if the visa issued to them by agent is real or fake?
August 20, 2019

How to get UAE Driving License

Dubai Driving License, Abu Dhabi Driving License, Sharjah Driving License

Getting UAE driving license give you a freedom to travel around the country freely, those who have Dubai driving license know the importance of it as it not only save time but money too which you might pay to public transports such as taxis, buses and metro.

Before proceeding to guide about driving license, please keep in mind that the license you obtain after passing final road test will be considered as UAE license, no matter if you obtained it in Dubai, Abu Dhabi or Sharjah. It can be used across the country.