Off Road Insurance
Posted: Tue Jan 18, 2011 12:30 pm
Guys and Ladies.
I am aware we all love to go out and enjoy ourselves in the sands but how many of us actually have off road insurance to cover any unfortunate event that might happen. This is one of the most important requirments along with the other equipment we require you to have.
You might have full comprehensive insurance on your cars but you need to go back to your insurer and check if off road usage is covered too for that extra piece of mind. It is essential for all who do trips to ensure that they have off road cover on their cars. Even the best of drivers will make a mistake at some point and without off road cover your insurer will not cover any accidents that happen in the desert.
There are only three major companies in the UAE that offer full off road cover. They are as below.
1. AXA Gulf – 800 4845 Toll Free and 02 495 7979 AUH / 04 324 3434 DXB.
http://www.axa-gulf.com/
2. RSA – 800 772 Toll Free – 02 651 7925 AUH / 04 302 9800 DXB
https://www.rsagroup.ae/contactus.asp
3. Arab Orient – 02 676 3222 AUH / 04 295 3425 DXB
http://www.insuranceuae.com/
Please note that there are no others in the country who offer full off road protection. I talk from experience and from actually checking with all insurers in UAE. Some claim to offer off road but will hassle you when it coes time to pay out.
Companies like Noor Takaful also do off road cover but it is limited to off road usage on unpaved roads / tracks only to and from a farm or place of work. If you have this kind of insurance they will also not cover any off roading accidents.
Now the policies from RSA and AXA will be a bit higher than others but it’s worth the piece of mind they bring. If you are a good driver with a good no claim history you will get a great price from them. Also for a little more they include hire car so that if your car is in the shop you get a replacement. The cost of adding this cover is negligible compared to what it would cost to hire a car for a few days. Much recommended.
Buying, claiming and renewing can all be done online or thru email with all these companies and they will include Oman cover also in your policy.
The services provided by all three companies are exceptional. I have personally dealt with all the three and filing claims and settlements has always been fast and fair.
So please check you current insurance and see if it covers off road pleasure driving. If not make a not of it and when comes time to renew move to one of the above listed companies. Have fun and be covered.
I have personally had a few bad incidents in the desert but since I was always covered it didn’t cost me much and the car was fixed once and replaced at one point too.
Please take this seriously as one never knows what will happen and if the worst happens you will always be able to recover and move on with the right insurance.
Please note this is to help our members make the right choices. I have no vested interestes in any of these companies
I am aware we all love to go out and enjoy ourselves in the sands but how many of us actually have off road insurance to cover any unfortunate event that might happen. This is one of the most important requirments along with the other equipment we require you to have.
You might have full comprehensive insurance on your cars but you need to go back to your insurer and check if off road usage is covered too for that extra piece of mind. It is essential for all who do trips to ensure that they have off road cover on their cars. Even the best of drivers will make a mistake at some point and without off road cover your insurer will not cover any accidents that happen in the desert.
There are only three major companies in the UAE that offer full off road cover. They are as below.
1. AXA Gulf – 800 4845 Toll Free and 02 495 7979 AUH / 04 324 3434 DXB.
http://www.axa-gulf.com/
2. RSA – 800 772 Toll Free – 02 651 7925 AUH / 04 302 9800 DXB
https://www.rsagroup.ae/contactus.asp
3. Arab Orient – 02 676 3222 AUH / 04 295 3425 DXB
http://www.insuranceuae.com/
Please note that there are no others in the country who offer full off road protection. I talk from experience and from actually checking with all insurers in UAE. Some claim to offer off road but will hassle you when it coes time to pay out.
Companies like Noor Takaful also do off road cover but it is limited to off road usage on unpaved roads / tracks only to and from a farm or place of work. If you have this kind of insurance they will also not cover any off roading accidents.
Now the policies from RSA and AXA will be a bit higher than others but it’s worth the piece of mind they bring. If you are a good driver with a good no claim history you will get a great price from them. Also for a little more they include hire car so that if your car is in the shop you get a replacement. The cost of adding this cover is negligible compared to what it would cost to hire a car for a few days. Much recommended.
Buying, claiming and renewing can all be done online or thru email with all these companies and they will include Oman cover also in your policy.
The services provided by all three companies are exceptional. I have personally dealt with all the three and filing claims and settlements has always been fast and fair.
So please check you current insurance and see if it covers off road pleasure driving. If not make a not of it and when comes time to renew move to one of the above listed companies. Have fun and be covered.
I have personally had a few bad incidents in the desert but since I was always covered it didn’t cost me much and the car was fixed once and replaced at one point too.
Please take this seriously as one never knows what will happen and if the worst happens you will always be able to recover and move on with the right insurance.
Please note this is to help our members make the right choices. I have no vested interestes in any of these companies