Car insurance premiums can depend on factors like:

- The car's make, model, and age.

- Driver's age, driving history, and experience

- Chosen coverage type and additional benefits

You can inquire online or contact our customer service team for more details.

A 'No Claims Discount' (NCD) rewards drivers for a claim-free policy period, offering discounts on subsequent premiums and leading to notable savings on insurance expenses. Please note that these discounts are typically applicable to non-minimum premiums in most cases.

First, in case of an accident, report to the police and obtain a report with accurate details of the accident. Then, contact your insurance provider, and submit the necessary documents to start your claim. You will need to follow their claim assessment and settlement process. If you have insured your vehicle through 1Click then please contact the claims team at claims@1clickfinder.ae along with your documents (driver's license and current Mulkiya) alongwith valid police report.

You can check your car insurance status online through the Insurer portals directly or you can check with your vehicle registration card for the insurance policy number to confirm it's validity.

Excess in car insurance is the amount you're responsible for paying towards repair costs in the event of an accident where you are at fault or no third party is involved. This figure is predetermined in your policy and may also be referred to as deductible, payable, or other similar terms. It ensures a shared responsibility between the policyholder and the insurance company.

In the UAE, car insurance operates under regulations set by the UAE Central Bank. Drivers must at least have Third Party Liability insurance, which covers damages to other vehicles or injuries to individuals due to one's negligence.

Your car insurance policy number is a unique identifier assigned to your insurance contract. To find it:

Always store your insurance details safely and consider keeping a digital copy for easy access.

'Own damage' in car insurance refers to coverage that compensates you for damage to or loss of your own vehicle due to incidents like accidents, theft, fire, or natural calamities. This is irrespective of whether you're at fault or not. Essentially, it protects your vehicle against unforeseen damages.
It's different from third-party liability coverage, which covers damage or injury you might cause to other people or their property. When opting for 'own damage' coverage, it's vital to understand the inclusions and exclusions to ensure your vehicle is adequately protected. Opt for comprehensive or full insurance policies which automatically include 'own damage' cover for your vehicle.

Yes, you can often customize your policy by adding optional coverages like roadside assistance, agency repairs, and personal accident benefits to suit your specific needs.

There are mainly two types:

In the UAE, driving without valid car insurance can result in a hefty fine, vehicle impoundment, black points on your license, and possible legal actions. Uninsured drivers also face full financial liability in accidents. Ensure you have a valid policy at all times to avoid penalties.

In the UAE, vehicle insurance is linked to the specific car rather than the owner. When transferring car ownership, the insurance policy doesn't automatically transfer to the new owner. Instead, the current policy must be cancelled, and the new owner will need to take out a fresh policy for the vehicle. Always ensure proper documentation and inform your insurance company during the transfer process.

Most comprehensive car insurance policies offer coverage for rental cars or loaner vehicles, often as an additional or optional benefit. This coverage usually steps in when your primary vehicle is unavailable due to repairs from a covered incident. It's essential to read your policy documents or speak with your insurance provider to understand the specifics and any limits or conditions that might apply. If you're considering renting a car, it's also a good idea to check with the rental company about their insurance offerings and requirements.

Your choice should depend on your risk tolerance and vehicle value. If you're looking solely to fulfil legal obligations and cover damages to other parties, choose Third Party.
If you wish to protect against damages to your car, go for Comprehensive as it's the optimal choice and the best way to maintain and safeguard your vehicle against any unforeseen circumstances or events.