WC_BLOG_ARTICLE_What to consider before taking out your car insurance

What to consider before taking out your car insurance

18 August, 2022 4 min read

https://www.giggulf.ae/documents/554082/0/car-insurance.jpg/fb40071e-e8bc-0ef1-75c4-ba3bf4fc77f3?t=1704954756102

GIG Gulf, the first regional insurer provides a wide range of insurance policies for individuals has some helpful advice for people looking to renew or buy car insurance.

Recently, the region's car insurance market has become more price driven. Add to this the fact that demand for car insurance usually spikes at the end of the year, and you may end up rushing out to buy your insurance while missing out on cover that is best suited for your situation.

GIG Gulf is keen to create more transparency across the insurance market and is encouraging prospective customers to do a little homework to ensure they buy the most appropriate level of cover before making a decision. The following are the top 5 questions you should ask yourself before you take out car insurance:

 

  1. What would you do if your car was off the road following an accident?

    • If your insurer provides a rental car how long will the car be available?  Will they both drop it off and pick it up from your work to minimise the disruption of your day?

 

  1. How quickly does your insurer process a claim request?

    • A less expensive premium might seem attractive, but in the unfortunate event you have an accident, you will need an insurer that is easily accessible, both through the phone but also through online channels.  If your insurer has specific agreements with garages to speed up the repair process, this is also a plus.

 

  1. If your car is damaged due to an accident, who repairs it?

    • Does your insurer have a reputable panel of repair centres, reviewed regularly to guarantee the quality and safety of the repairs, or do they expect you to get estimates and submit them for reimbursement?

 

  1. Do you use comparison websites?

    • If you use them, make sure to check that you are comparing identical levels of cover and not just prices. When you compare prices online it’s important to check that the covers mentioned are also included in your quote. You may want to speak to an agent to get further explanations on the covers and services you would be receiving.

 

  1. Is your vehicle genuinely protected in all types of situations?

    • Are you getting a full level of cover that includes off-roading, such as driving in the desert? Will damage caused because of fire, vandalism, or theft also be included by your insurer?

 

Franck Heimburger, Chief Personal Lines Officer at GIG Gulf, advises; “We all have a million things to do, so whilst it’s tempting to choose the least expensive car insurance you can find, this can frequently end up causing you a headache.”

“We would recommend that customers take a little time to review what they are actually buying. Not all car insurance is the same and it’s important that you buy what you need rather than opting for the least expensive.  Asking the right questions and getting the right answers will save you time, hassle and money in the long run.  Getting cover from a recognised brand at a competitive price is a more sensible and safer solution than choosing the lowest premium or the most basic cover.”

Tags
GIG Car Insurance Car Insurance Car Insurance comparison Before you buy Car Insurance
Related articles

WC_BLOG_ITEM_INSURNACE

Travel Insurnace
Top Tips for Budget Travel to Qatar World Cup 2022!
Travelling to support your team during the World Cup 2022 is a golden chance and being able to do so on a budget ...
09 October, 2022 8 min read
Travel Insurance
Five reasons why travel insurance is a must
Investing in travel insurance ensures peace of mind amongst travellers and can help you recover from travel’s most common but unexpected complications, such as cancelled flights and lost baggage.
10 October, 2022 3 min read
Car Insurance
Five key steps to take after a car accident in the UAE
The following is GIG’s guide to the 5 key steps one should take after a car accident in the UAE
23 August, 2022 5 min read
Car Insurance
What to consider before taking out your car insurance
Helpful advice for people looking to renew or buy car insurance.
18 August, 2022 4 min read
Travel Insurance
Five reasons why travel insurance is a must
Investing in travel insurance ensures peace of mind amongst travellers and can help you recover from travel’s most common but unexpected complications ...
21 August, 2022 3 min read
Home Insurance
Five thing you should do before winter to protect your possessions
Winter can be the most wonderful season of the year, as long as you stay safe.
10 August, 2022 7 min read
Travel Insurance
Qatar mandatory visitor health insurance
The Qatari government (Ministry of public health) introduced mandatory health insurance requirements for visitors ...
05 April, 2023 6 min read
Home Insurance
Fires in Dubai: The Urgent Need for Home Insurance
Several destructive fires have affected Dubai's tall buildings and fancy properties. This has caused concern for people living there and owning property. These ...
27 September, 2023 7 min read
Personal Insurance
Holiday season insurance essentials
As the year draws to a close, the promise of holiday adventures and cozy homecomings beckons. This guide combines home and travel insurance for holidays to help you have a stress-free holiday season.
10 November, 2023 8 min read
Car Insurance
How to Get the Best Deal for Car Insurance
In the UAE's dynamic insurance market, finding comprehensive coverage without breaking the bank is key. This also applies to...
12 March, 2024 4 mins read
Car Insurance
Your Ultimate Guide to a Road Trip from UAE to Oman
Are you gearing up for an exciting road trip from the UAE to Oman? Are you seeking all the essential information to guarantee a seamless and....
13 March, 2024 5 mins read