About Auto Insurance: Car insurance in Sharjah

Wednesday, February 22, 2012

Car insurance in Sharjah

by Meron Zgin Insurance / Auto (submitted 2012-01-26)

Apart from these strict laws for drunken driving, Sharjah car insurance laws require that a driver acquire comprehensive insurance, with optional insurance coverage for collision damage, personal accident insurance, physical damage, theft protection and loss damage separately or as a single additional insurance coverage. These types of insurance coverage requirements are particularly useful for tourists, when they rent a car. Since cars are the biggest transportation mode in Sharjah and other emirates, having proper is compulsory both for residents and for tourists. Basically, consists of two types of insurance cover, comprehensive motor insurance policy and exclusive third party liability motor insurance policy.

Comprehensive Motor Insurance Policy

Comprehensive motor policy provides protection against damage, loss and third party liability. Damage or loss coverage protects the car owner from damage or loss to the insured vehicle, its spare parts and accessories, under the following circumstances:
* Through accidental overturning or collision
* Through fire, self-ignition, external explosion, lightning or thunderbolt
* Through theft or burglary
* Through any third party malicious act
* While in transit at the time of transportation, including loading and unloading.

The third party liability covers the liability of the insured person and the driver for any compensation to third parties, in case of bodily injuries to or death of any person, including all the passengers in the automobiles involved in the accident, with the exception of the driver or the insured person and the families and employees of the insured person Â
Damages for property and materials, with the exception of those belonging to the driver or the insured person at the time of accident

About Sharjah

Sharjah emirate is one of the emirates in the United Arab Emirates. Sharjah emirate consists of Sharjah city and other smaller enclaves and towns like Kalba, Khor Fakkan and Dibba Al-Hisn. Possession, sale and consumption of alcohol are strictly prohibited in Sharjah and hence, drunken driving is a serious crime. The car insurance rules for residents and tourists vary significantly in Sharjah, United Arab Emirates. If you are caught for drunken driving, you can be sentenced to jail and your driving license may be cancelled even if you have adequate car insurance cover in Sharjah. You may be deported out of Sharjah, if you are a tourist, after jail sentence, fine and cancellation of driving license. If you have been involved in an auto accident, your Sharjah car insurance cannot be renewed. If a passenger or a pedestrian has been injured or killed by you while you were driving a vehicle in Sharjah, you may face sentence in jail, varying between 1 and 3 years, along with substantial fine and payment of blood money in case of death of one or more persons.

Exclusive Third Party Liability Motor Insurance Policy

The exclusive third party liability motor vehicle insurance policy covers the legal liability of the insured person and/or the driver for payment of compensation towards all third parties, as mentioned in section 2 of the comprehensive motor insurance policy explained above.

Hence, it is advisable to obtain comprehensive motor insurance policy coverage, whether you are a resident of Sharjah or a tourist. At Gulf Hound, we furnish detailed information on various latest car insurance laws and regulations of Sharjah. We also help you to obtain the best car insurance quotes from several insurance brokers and insurance companies anonymously. You will be able to compare them and decide on the best car insurance schemes that offer you not only competitive premium offers but also the best terms and conditions to suit your specific driving needs. About the Author

Writer at Gulf Hound: Gulf Hound offering Car Insurance in Dubai, Travel insurance and more in the Middle East.

Meron Zg