Will your car insurance in Dubai and the UAE protect you in instances where the UAE's intermittent but strong rain causes flooding and hail damage to cars? The majority of the population enjoys the good winter weather in the UAE, and with an average daytime temperature of 25°C, it's a popular destination for travelers seeking to avoid icy conditions and snow so they can enjoy the beaches and desert camps. Even though heavy downpours are uncommon, they can be followed by thunderstorms and lightning, which can result in flood damage to your vehicles. And will your motor insurance online or offline provide proper coverage if that occurs?

Your Insurance Type

First and foremost, you should be aware that third-party liability motor insurance in Dubai and the UAE does not provide coverage for your personal damage - this is clear from the name. But please note that not all comprehensive insurance policies cover storm damage. It is vital to check the terms and conditions because the coverage might differ from one insurance broker in Dubai and other emirates to another. Don’t worry! Comprehensive car insurance online/offline typically provides justified coverage for storm damage. 

Natural Peril Cover

If you want to be covered for any storm damage, your comprehensive insurance policy should specify that you have the additional protection that goes by the name of. But does that mean, in the context of your car sustaining weather-related damage, you are always covered?

On the contrary, some insurance companies in the UAE would insist that you come with a police report proving that the damage occurred while the car was parked and not in motion to utilize the coverage. Some insurance companies in Dubai and other emirates would also deny payment for damages under this coverage in circumstances where the weather has been officially declared a natural disaster.

There is no such thing as a black-or-white answer when it comes to insurance talks, and each situation will be much influenced by the particulars of the context as well as the restrictions and specifics of your insurance policy. However, because the damages were incredibly unforeseen and affected cars even in parking lots and villas, the Federal Insurance Authority Chairman said that UAE drivers will be paid for the recent-then flood damages. 

Natural Perils or Calamities Cover?

Although most comprehensive insurance policies from almost all insurance providers add this coverage by default, you may occasionally have to spend a little extra to get this coverage. Should you purchase it? Everything relies on the particulars of your demands and circumstances.

Do you spend a lot of time traveling between sites as part of your job? Do you have a designated parking space in your apartment or villa that is normally unaffected by flooding or rain? Try to be in a state of security rather than skipping to the statement of sorry, so if your job involves a lot of traveling and your car could get damaged even when parked nearby, it might be worth it to spend a few hundred dirhams now rather than thousands in the future.

If you have any questions about how to file a claim for storm damage or if you want to know which comprehensive insurance plan is the best value for your money and will protect you in the context of a storm, contact policyhouse.com, your trusted partner. 

Policyhouse.com is one of the most reputed insurance companies in UAE and will never disappoint you! We have 30,000+ motor insurance online - in Dubai and the UAE, with big benefits and rewards. Our insurance advisors will go beyond your expectations for customer support to provide you with the best insurance policy selections that suit your needs at a price you can afford. Try them out right now!

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