Rental Car Dubai Insurance: What You Need to Know

Introduction

 

Renting a car in Dubai is not just a necessity, it will bring great pleasure from driving, because the traffic in the Arab Emirates, and in particular in Dubai, is organised at the highest level. It is simply impossible to see all the interesting sights of Dubai without a car. And here a rented car will come to your aid. In this case, you can safely travel around the United Arab Emirates and gain pleasant impressions either alone or with the whole family. In 2016-2017, the UAE took the 1st place in the ranking of road infrastructure development, due to which the popularity of passenger car hire in Dubai among tourists has increased. In this article, we will tell you how to rent a car in Dubai and everything you might need. You will also learn what nuances you should pay attention to, get acquainted with the peculiarities of premium car hire.

Types of insurance when renting a car in Dubai

 

Having insurance for a rented car is a very important aspect. In case of its registration you will have a kind of cushion against unplanned large financial expenses, because no one can predict what will happen during the trip. Accidents, partial damage to the car and even theft are not excluded. 

 

In most cases, car insurance in Dubai is limited to a deductible. This means that you pay for the damage caused within a set amount of deductible, the amount of which depends on the rental company and class of car (for example, for renting a luxury car the price of insurance premiums increases). Therefore, when renting a car in Dubai you will have to leave an additional deposit. If the car is damaged through your fault, the lessor will deduct the amount of damage from the deposit, but not more than the deductible. 

At the end of the rental period without violations, the deposit will be returned to you in full. 

 

When you receive the car, be sure to inspect it for damage and record it on a special inspection form. 

on a special inspection form, one copy of which you should keep for yourself. In addition, it is worth taking pictures of all scratches and dents, and let the car number and the employee of the rental company be in the frame.

Basic insurance (CDW + TPL + TP) is usually automatically included in the rental price. TLP (Third Leability Protection) or TPL (Third Party Liability) is third party liability insurance. 

 

The insurance is extended. (Super CDW + TP) If you wish, you can change the type of insurance by improving some of the terms and conditions.  CDW (Collision Damage Waiver) – insurance of the rented car against damage. This type of insurance implies a compulsory deductible. The deductible is the uncovered amount of damage, the limit of liability you share with the insurer. Any damage within the deductible will be paid at your expense from the insurance deposit, anything over that will be paid by the insurer. The amount of the deductible also depends on the type of car. If you don’t want to worry about every scratch, you can take out full insurance with no deductible. You can do this together 

with the renter or insure the deductible separately.

 

Default insurance includes three concepts:

 

• accident and damage cover (CDW – collision damage waiver);
• third party liability (TPL – theft waiver);
• theft waiver (TP – third party liability protection).

 

CDW is actually an insurance with a deductible, the amount of which is specified in the contract and terms of hire. If you are not at fault, you pay nothing, if you are the culprit of the accident – you pay the amount equal to the deductible (as a rule, the same deposit will be blocked from you), the rest is paid by the insurance company.

 

Compulsory insurance policy CWD – compensation for damage due to collision, is included in the rental price regardless of your desire. The cheapest optional PAI policy is accident insurance. More expensive will be the so-called PWD policy – partial liability for most damages. There are also more exotic offers. For example, compensation in case of glass and tyre damage. PAI and PWD are calculated according to the tariffs of local companies in Dubai, they are quite difficult to remember and understand, but in general do not exceed five per cent of the deposit amount.

• However, it is worth realising that under UAE law, injuries caused by driving under the influence of alcohol or drugs are not covered by any insurance. The same applies to dangerous or careless driving, such as running a red light or cutting someone off. The most interesting thing is that if you fill up your car with the wrong fuel – for example, with diesel instead of petrol – it is not considered an insured event either.

 

What expenses can a client incur when renting a car in Dubai?

 

The rates do not include fueling, toll parking, toll roads, fines, repair of wheels and tyres of the car, damage to the underbody of the car, damage to mirrors, windows of the car and additional equipment, as well as taxi expenses, towing of the car, replacement of car keys and other expenses incurred by the renter during the use of the car. Also, the renter’s risks depend on the chosen insurance. Types and cost of insurance you can see on the page of the selected car.

 

In what condition will the client have to return the rented car in Dubai?

 

The car must be returned in the same condition in which you received it, with the same amount of fuel. the same amount of fuel. Otherwise, you will have to pay for the service of refuelling the car.

Cars are rented in a clean condition. If the external condition of the car makes it difficult to inspect it upon return, the inspection will be carried out only after washing (at the expense of the Renter).

What are the peculiarities of renting a car in Dubai 

 

Please note that toll roads are a familiar sight in the United Arab Emirates. Dubai also has toll roads (the toll system is called SALIK). In front of such sections, special terminals are installed on the motorway that scan the licence plates of cars passing under them. The bill is issued automatically, you only need to drive under the arch and pay when you hand over your car to the transport company.

 

Documentation required for car hire insurance.

 

What documents are required to rent a car in Dubai

 

In order to arrange a car hire, you will not need a lot of documents. For rent, you need to show your passport, national and international driving licence and, of course, money. But it is worth dwelling on each of these items in more detail, because everything is ambiguous, as it seems at first glance. 

 

• passport;
• international driving licence together with a Russian driving licence (mandatory, otherwise you will be fined);
• a personal credit card to make a deposit, or cash in some cases (if there is no international card).

 

The name on the card must match the name on the passport and driver’s licence. It is important to note that it is the credit card with embossed letters that is needed; debit cards or cash are not accepted by rental agencies.

 

Insurance tips when renting a car in Dubai

 

Damage to the bodywork in an accident, as well as damage to windows, lights and wheels is paid for by the insurance company. There is no need for a police accident report or a euro protocol. If the person responsible for the accident has fled the scene, the insurance covers the repairs. The tenant does not pay anything. The insurance covers 100% of the damage.

For all types of insurance: the insurance does not cover deliberate damage to the car or gross violation of traffic rules (running a red light, crossing a double solid line, drunk driving, etc.) that caused damage to the car.

 

The amount for limitation of the lessee’s liability is stipulated in the rental agreement at the time of its conclusion and cannot be changed until its termination.

 

Full coverage of the risks of damage and theft of the rented car fully exempts the lessee from paying the expenses related to the damage or theft of the car, if the lessee has not violated the terms and conditions of the rental agreement, has duly registered the damage or theft of the car and has submitted all documents related to the incident.

 

If an insured event occurs, the Renter is obliged to immediately notify the Rental Company’s manager. In case of failure to fulfill these conditions, the insurance issued for the car is invalid and all responsibility falls on the renter.

 

Violations of the terms and conditions of the rental agreement

 

Using the rented car as a taxi, subletting the rented car subletting the leased car, transferring the right to drive the leased car to persons who are not specified in the vehicle rental agreement, transferring the right to drive the leased car to persons not specified in the vehicle rental agreement in the vehicle rental agreement, leaving the scene of an accident, driving a car in an alcoholic or narcotic intoxicated state. 

under the influence of alcohol or drugs, repeatedly exceeding the speed limit established in the rental agreement, smoking in the car interior, transporting explosive and inflammable substances, using the rented car for driving training or for participation in test drives, races or competitions entails cancellation of the rental agreement, seizure of the rented car and retention of the deposit in full. 

 

Conclusion

 

What you need to pay attention to when renting a car in Dubai

 

Many people have already appreciated the advantage of car hire, however, this service has its own nuances. What do you need to know when renting a car and what should you pay attention to?

 

• Study the prices of the rental company – they can vary significantly depending on the brand, region, availability of additional services. depending on the brand, region, availability of additional services, etc.

 

• The terms of the contract may imply not just renting for a certain period of time, but also mileage restrictions. Always read the contract carefully to find the best option for your situation.

 

• How much insurance costs and what it includes – sometimes, to reduce the cost of the service, companies minimise the number of risks covered by insurance. But in case of theft or damage to the car, the renter may incur large expenses. In some cases it makes sense to take out additional insurance.

 

• The presence of a deductible allows minimising the renter’s expenses. In case of damage to the car, not the full cost of restoration work is paid, but limited by the deductible.

 

• Return conditions are an important point, as some rental companies put forward return conditions that require additional expenses of time and money.

 

A car in Dubai is not a luxury, but a means of transport. In the hot Arab Emirates. with excellent roads, convenient car parks and strict observance of traffic rules, everything is created for travelling by car, that’s why car hire in Dubai is so popular among tourists. Cheap petrol and moderate rental prices allow you to save a lot on excursions, which are quite expensive here. Excellent autobahns, luxurious roads and their great length near the coastline make Dubai one of the most convenient cities in the world for travelling by car. Everyone will agree that travelling around the city 

in your own air-conditioned car is much more comfortable and enjoyable. Have fun travelling by car in Dubai!