Picture for illustrative purposes only.

Recent weather patterns in the UAE have underscored a critical gap in many car insurance policies, leaving drivers vulnerable to unforeseen risks and significant financial losses. Hundreds of vehicles were left stranded or submerged after widespread flooding from a heavy downpour that hit the UAE in mid-April. Authorities described the rainfall as unprecedented and the highest ever recorded in 75 years. “While it may take time for insurers to assess the full situation, such events underscore the urgent need for car owners to reassess their insurance coverage and ensure they are adequately protected against water damage from increasing frequency of rains and localised floods - the need for comprehensive car insurance has never been more urgent,” according to insurance marketplace Policybazaar.ae. While third-party liability insurance may seem cost-effective, it offers little to no protection against the very real threats posed by water damage, it added. Neeraj Gupta, CEO of Policybazaar.ae, said residents must safeguard themselves with the right insurance policy. “We urge all UAE residents to prioritise their safety and financial security by investing in the right and comprehensive car insurance. Don't wait until an event such as this to happen - we request car owners to ensure they are adequately protected against unforeseen challenges,” Gupta said. He added that comprehensive car insurance acts as a vital financial shield against a wide range of perils, including water damage caused by heavy rain, floods, or burst water pipes. In today's climate, where extreme weather events are becoming increasingly common, comprehensive coverage is not just a luxury but a necessity. Unlike third-party liability insurance, comprehensive policies offer coverage for natural disasters such as hailstorm damage or damage caused by falling objects during a storm. The company also advised drivers to maintain their insurance coverage. Expired car insurance leaves individuals completely vulnerable in the event of an accident or damage. ICA/Expat Media
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