Car Insurance 101: All You Need to Know About Off-Road Insurance Coverage

Car insurance in the UAE

Dubai is full of exciting activities, and off-road driving is surely one of the most thrilling activities that you can spend your weekends doing. But when you do so, make sure that your vehicle is insured. Some car insurance companies in Abu Dhabi automatically offer policies with off-road insurance coverage if you have a four-wheel drive vehicle, while others don’t, in which case you’d have to sign up for it as an add-on. ServiceMarket has put together this article to help you learn everything you need to know about off-road insurance coverage.

What is off-road insurance coverage?

It is a feature of car insurance that may come with your policy if you own a 4WD or you can get it as an add-on by paying extra. This add-on will protect the insured vehicle against damage and loss during off-road drives. This cover is offered exclusively for 4×4 vehicles and insurers will not offer it for sedans or vehicles without 4×4 capabilities.

Check your existing policy

There are some car insurance policies that might cover off-road damage automatically if you have a vehicle with off-road abilities. Be sure to ask your insurance provider if that’s the case. Some off-road covers come with restrictions such as the vehicle’s age, the age of the driver, and whether you were driving it off-road inside the limits of your city. If you take your vehicle to an off-road trial or race, then your policy might provide limited coverage. When you go off-roading always be mindful of these factors, so that your car insurance policy keeps your vehicle protected against damage. When taking out insurance coverage for your 4WD vehicle, you should expect extra premiums as off-roading is classified as a high-risk activity.

Check the limitations

If you have a 4WD, make sure you know about all the limitations that come with your car insurance policy. For example, roadside assistance might only be available within a certain distance from a paved road.

To learn more about other car insurance add-ons, click here. While you might have to pay extra for add-ons such as off-road coverage and roadside assistance, you can save money by doing some comparison shopping instead of just going with the first insurance quote that comes your way. ServiceMarket allows you to compare multiple quotes and read customer reviews online to make an informed decision.

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