Colemont Insurance Brokers Things To Consider While Choosing Motor Insurance In UAE Driving in the UAE, with its world - class roads and stunning landscapes, is often a pleasure. However, it's also a necessity. With bustling city traffic and long highway commutes, having the right protection for your vehicle isn't just a good idea — it's a legal requirement. But not all policies are created equal. Choosing your motor insurance in UAE based on the cheapest price alone can be a costly mistake. To ensure you have real financial pro tection when you need it most, here are the critical factors you must consider. 1. Comprehensive vs. Third - Party Liability (TPL) This is the most fundamental choice you'll make. • Third - Party Liability (TPL): This is the mandatory minimum insurance required by law. It covers damages you cause to other people's vehicles or property. It does not cover any damage to your own car. This is often chosen for older, lower - value vehicles. • Comprehensive: This policy includes TPL coverage plus coverage for your own vehicle against accidental damage, fire, and theft. If your car is new, valuable, or financ ed by a bank, this is the only sensible option. 2. Agency Repair vs. Garage Repair This is a crucial detail that significantly impacts your premium. • Agency Repair: This means your car will be repaired at the official brand dealership (e.g., your Audi goes to an Audi - approved service centre ) using only genuine parts. This is highly recommended for the first 3 - 5 years of a car's life to maintain its value and warranty. • Garage Repair (Network): This policy is cheaper but restricts you to a list of pre - approved , non - agency garages. While these garages are vetted by the insurer, the quality can vary, and they may use non - original parts. 3. Check The Deductible ( Excess ) The "deductible" or "excess" is the amount you must pay out - of - pocket for a claim before the in surance company pays the rest. A policy with a very low premium often hides a very high deductible. Be sure you know what this amount is, as a high excess can make it pointless to claim for minor damages. 4. Don't Overlook The Add - Ons The best policies often bundle valuable add - ons. Look for: • Roadside Assistance: Essential for breakdowns, flat tires, or running out of fuel. • Rental Car Coverage: Provides you with a replacement car while yours is being repaired. • Personal Accident Cover: Provides compensation for the driver and passengers in case of injury or death. • Oman Coverage: If you plan on driving to Oman, ensure this is included. 5. The Value Of A Broker Navigating these options, reading the fine print, and comparing quotes from a dozen insurers is time - consuming and confusing. This is where motor insurance brokers become invaluable. Instead of you trying to become an insurance expert, you can rely on one. A professional broke r like Colemont works for you , not the insurance company. They take the time to understand your needs, your car, and your budget. They then leverage their market expertise to find the best - value policy, explaining the differences in deductibles, repair opt ions, and benefits. They are your advocate, ensuring you get the right protection at a competitive price. Don't wait until you're on the side of the road to discover gaps in your coverage. Ready to find the right motor insurance policy without the hassle? Contact the experts at Colemont today for a no - obligation quote and drive with complete peace of mind! Sour ce: https://colemontuae.com/things - to - consider - while - choosing - motor - insurance - in - uae/