Rental Car Insurance in the UAE – All You Need to Know

Published by Rental Cars UAE

Rental Car Insurance in the UAE – All You Need to Know

Planning to hire a rent-a-car in the UAE? Don’t get tricked into overspending on insurance. Here’s our guide to find the best car insurance

 for your needs and how to avoid duplication of coverage.

There is no overestimating the importance of rental car insurance, both in terms of minimizing financial risk and the peace of mind it affords. But the kind of coverage you need depend on a lot of factors and any overspending in this area stems only from lack of knowledge.

Clearly, you are looking to get the best deal for car hire without compromising your financial well-being.But if you often find yourself falling victim to hard selling at rental desks, it is essential that you educate yourself in the science of obtaining a car rental insurance.

Here is an overview of what you need to know.

Understanding the Types of Rental Car Insurance

In the UAE, the law requires rental companies to provide insurance inclusive of the rental price. It pays to check what is included and supplement it with optional covers, if required. There are 4 optional rental insurances available:

  1. Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) – These are technically ‘waivers’ and not insurance products. They are basically designed to relieve the renters of their financial responsibility if the hired car is damaged or stolen.
  2. Liability Insurance – This provides higher supplemental liability limits for adequate protection.
  3. Personal Accident Insurance – This covers the renter and the passengers against medical and ambulance costs in case of a crash and also provides death benefits.
  4. Personal Effects Cover – This provides protection against theft of personal belongings from the rental car, up to a set insurance limit.

How to Get Renter’s Insurance

Figuring out where you are already covered and what extent of cover you need ahead of time makes the process of obtaining an insurance easier. Here are the steps to follow:

  1. Evaluate your credit card benefits and other insurance policies like medical, liability, car and homeowner’s to find out if and to what extent you are already covered for car hire.
  2. Do your research regarding the types of car renter’s policies to understand if you require more coverage.
  3. Shop around and compare rates at different car rental websites. Rental Cars UAE is a popular car rental company that offers over 80,000 vehicles for hire at 100 rental locations across the UAE. They also offer free delivery, 24×7 customer support and a comprehensive insurance cover.

You can also opt for any missing covers directly from the rental desk should you choose to hire your car on location.

It should be noted that rental car companies, besides charging you for repairs, can also charge you for the loss of use to their vehicle, diminished value, towing and administrative fee associated with claims. A comprehensive policy can guard you against these charge so make sure you are adequately covered.


“Must-Haves” in a Rental Car Insurance Policy

Below is our checklist of some essential features that a good rental car insurance policy must include.

  1. Windscreen, windows, mirrors, tires, engine and body damage cover
  2. Cover for loss or damage to personal belongings
  3. Personal accident cover
  4. Car rescue and breakdown cover
  5. Loss or theft of keys

Cover for legal expenses