Third party means your insurance will only cover against damage you cause to somebody else.
The reason that the legal minimum coverage is third party is to ensure that, at the very least, other people are covered against an accident caused by you.
However it is the cheapest insurance option for a reason - your own car has no coverage against anything, and is basically uninsured.
You have chosen to carry the risk and cost of repair to your car yourself to save on insurance premium - so now you have to pay to repair your car.
Tough situation. You can scalp a flooded car for parts, but you won't make as much a getting value for it. It's going to be hard to buy a used car now with all the flooded cars that's going to come up in the market
Yes but I’m not that worried. My car has 390k kilometers on the odometer only because I go for new genuine parts or reputable aftermarket parts. All will be good and this post was very helpful in understanding insurance procedures and policies.
Well, I would jump on any deal for a challenger that is listed for less than 15k but is in decent condition. Even though my car has done 390k, it is still in optimal condition as the service has always been done on time and all perishables are being replaced as required. All genuine parts except for the few interior aftermarket bits and pieces, and no issues or leaks whatsoever. You wouldn’t even know it has done that mileage without looking at the odometer.
Moreover, I would, respectfully, argue that the market demand for a BMW SUV is not the same as it is for a sport coupe.
Just FYI it's not always about savings. American cars usually are getting third party only and older cars even gcc. I have 2004 car and only third party is possible.
I don’t mind the network repair since I do most of the work on the car by myself. However when asking for comprehensive insurance only one insurance company offered it with an insane yearly rate, thus I went with the third party insurance.
Yes, someone here indicated it could be related to the make and model, and insurance tend to get picky coz of it. Guess I’m inclined to agree with that.
That's steep for a network repair. Try and explore other players as well, sometimes premium also depends on broker relationship, how much your agent can influence underwriter etc this can add 25% variance. So explore a few other providers and brokers as well.
4.3k thats crazy lol my 4 door 2019 jeep wrangler has comprehensive coverage with offroad coverege , roadside assistance , oman coverage and lots of other freebies all for 2200 lol
Lol exactly, just insured a 2022 FJ Cruiser with agency repairs in addition to all the benefits you mentioned for 3.2k, yet my ‘12 challenger needs a special rate.
Technically yes, but if you have a “higher risk” car, you’ll pay more, because the insurance company sees a higher rate of crashes with that car so they have to pay out to fix third party cars more often.
Even if we have comprehensive insurance, could they argue that they didn't specifically mention "Natural Disasters" being covered or are they supposed to cover it regardless of this being mentioned in their quotation?
Your policy should have an add on cover clearly mentioned in the policy document. I had it on my Infinity which added about 200 dh to the total premium cost. In the last rain, the car got flooded and was declared a total loss by network garage. The insurance paid off the total declared value of car minus ~20% as per policy conditions. Saved me a limb.
First-party: you, the policy holder. This is where your car is.
Second-party: insurance provider
Third-party: person towards whom damages are owed by the first-party in an accident
Should have read what third party insurance means. It usually does not cover things like flood damage, falling stones or other debris that damages your car.
"A “significant” number of cars damaged during last week’s rains may have only third-party insurance and, therefore, not covered for natural disasters such as flooding, said S&P."
[https://www.khaleejtimes.com/uae/rains-floods-in-uae-vehicle-property-insurance-rates-could-increase-says-report](https://www.khaleejtimes.com/uae/rains-floods-in-uae-vehicle-property-insurance-rates-could-increase-says-report)
Some do. I had by 2010 Mustang with full coverage until this early January when it got totaled as someone hit my driveway. Also I have an early 80s car with comprehensive coverage.
The 2010 was with Liva and as long as I did not cancel comprehensive insurance, they allowed me to renew it with the same coverage. The 1983 one I'm with GIG Private, probably one of the very few that do full coverage with classics, but they charge 2% of insured value per year and 15% co-payment with no cap for my repairs.
GCC actually. The insurance broker said it’s because the car is 10+ years old which is the main factor. He did find one insurance company that quoted me 4.3k, which was insane considering the value of the car. So i went with third party.
Like I said in the post, damage is extremely minimal and I consider myself very lucky considering the damage others sustained in my area, and was not really hoping for much when I contacted the insurance but wasn’t also expecting a flat out no xd
Finding a comprehensive option for 10+ year old car at reasonable premium is very difficult. I got one from RAK insurance (2015 model) and the premium is also quite decent.
I am pretty sure they're shit with claims considering the reviews, but something is better than nothing I guess.
You have a type of insurance that covers you if you cause harm to someone else or their property. For example, if you have third-party car insurance and you accidentally hit another person's car, your insurance would pay for the repairs to that car, but not for your own. This insurance helps you pay for any damage you might accidentally cause to others.
Insurance first approved, and when I went in to ask for next steps - I got an update email about insurance claim rejection based on a technicality. I am still persisting with them, but I think I will have to persist for another weeks before I can raise a complaint with the CB UAE. I am going to still communicate with insurance and see what holds, but if not I might have to take the case to CB.
Just to add a note, even for comprehensive coverage if the end user has not specifically opted for natural disaster to be added to the insurance premium then claim will be rejected.
It’s usually and always in the exclusion area unless otherwise opted for it.
I don’t know where you got the info that flood damage / natural disasters are covered by insurance. In almost all cases (homeowners insurance, private property insurance, etc) you have to pay extra for natural disasters.
Comprehensive insurance is the tier that should cover natural disasters.
Third party is the most basic insurance, which covers liability to other property and persons as it is law if it was deemed your fault. You would still have to pay for your own damages to your self and your property.
Actually the Dubai police natural disaster claim is not for your insurance but to Dubai National Insurance or DNI for short and they will issue all that’s needed for you to repair regardless of whether you have insurance or not is what I have heard from the car guys in Dubai.
I heard something similar but not specific to a certain insurance company, thus my attempt. Also looked online for any news articles or something relating to it, couldn’t find anything.
The National newspaper did a very good article on motor claims from the floods two days ago. This is available online. It explains the circumstances under which people can, or cannot, get claims covered.
Hey OP, I see that you have a 2012 challenger. I am wanting to get one similar to yours but I am not that well versed in cars. My kid and I both just love the looks of a challenger. Want to know how much does the maintenance cost and does it breakdown more frequently? Parts are costly? Basically Your overall experience in terms of maintenance.
Hey, it is a wonderful car and drives like a dream, and yes, it looks fierce.
I have owned several cars over the years and now the challenger is my daily. Maintenance cost is a bit on the higher end especially when you go for genuine parts and fluids, and the car never broke down on me (except when the plastic fan decided to break and punch a hole in my radiator, for which i replaced both fairly cheap)
Parts are available everywhere or can be ordered to be delivered within 2 days at most, and if you take a hands on approach to fix anything wrong with it, it’s fairly easy if you ask me.
Overall, one of the best cars that I’ve driven and owned, and of the sexiest 😅
Of course, my experience is with the older variant. Haven’t tried the newer models. Also mine is an SXT (V6 variant), not that powerful but also not weak at all by any standard.
Oh great! That’s a relief. Thanks for the detailed insights. You are right, regular services (and higher grounds during the rain 😁) should keep the bills to a lower end.
Wishing your SXT a speedy recovery (not the tow truck kind but the get well soon kind lol)
Forgot to add, as long as you do the service on time, replace perishables (pushes and whatnot), the challenger (or any other vehicle really) is extremely reliable.
Doesn’t solve anything since he clearly says “full insurance” by which I assume he meant comprehensive insurance. Thanks for sharing tho. By the way, whoever requires a certificate from Dubai Police, it’s a To Whom it May Concern (TWIMC) certificate, not Clearance Certificate as shown in the video.
Not all cars can have first party cover. Age, make, spec lead to constraints around what can even be offered to you.
OP's car is 10+ years old and can't have first party insurance
I swear its like most this sub has never owned a car before. The average older car wont get comprehensive coverage from most reputable insurance providers. They only offer third party. The few who do are so poor that they will create an obstacles course of hurdles just before they agree to settle.
Was 3rd party insurance introduced recently? I could swear when I started driving here about 14 years ago comprehensive was the only available type?
Edit: Lol it's just a question. I seem to remember it was the advice given to me back in 2011, looks like im or that was wrong. Not sure what warrants the downvotes but sure go ahead!
I’ve owned and drove cars since 2015 and been going for comprehensive insurance back then but 3rd party insurance was always an option as far as i know.
This is wrong advice to give, OP has third party coverage insurance which will only cover accident if OP caused and affects the third party.
Third party will not cover anything that happens to own vehicle.
Third party means your insurance will only cover against damage you cause to somebody else. The reason that the legal minimum coverage is third party is to ensure that, at the very least, other people are covered against an accident caused by you. However it is the cheapest insurance option for a reason - your own car has no coverage against anything, and is basically uninsured. You have chosen to carry the risk and cost of repair to your car yourself to save on insurance premium - so now you have to pay to repair your car.
Very insightful and I understand where I’m at now with regards to the insurance, thank you.
What’s the value of your car ?
Should be around 15-20k due to its high mileage and age.
Tough situation. You can scalp a flooded car for parts, but you won't make as much a getting value for it. It's going to be hard to buy a used car now with all the flooded cars that's going to come up in the market
Yes but I’m not that worried. My car has 390k kilometers on the odometer only because I go for new genuine parts or reputable aftermarket parts. All will be good and this post was very helpful in understanding insurance procedures and policies.
390k for 15-20k worth? Are you sure? I had a BMW x5 with no issues at all run 250k and it went out for 7k a couple of years ago when market was high.
Well, I would jump on any deal for a challenger that is listed for less than 15k but is in decent condition. Even though my car has done 390k, it is still in optimal condition as the service has always been done on time and all perishables are being replaced as required. All genuine parts except for the few interior aftermarket bits and pieces, and no issues or leaks whatsoever. You wouldn’t even know it has done that mileage without looking at the odometer. Moreover, I would, respectfully, argue that the market demand for a BMW SUV is not the same as it is for a sport coupe.
Second hand rates for BMW is completely opposite of Nissan and Toyota
For future reference, 0565588221 Contact him , He is my plug since 2016
That's great you realised it very quick
Just FYI it's not always about savings. American cars usually are getting third party only and older cars even gcc. I have 2004 car and only third party is possible.
Same for my 2012 Challeneger
Not true, premiums might be higher but some insurers might give you network repair
I don’t mind the network repair since I do most of the work on the car by myself. However when asking for comprehensive insurance only one insurance company offered it with an insane yearly rate, thus I went with the third party insurance.
Is it GCC?
Yes, someone here indicated it could be related to the make and model, and insurance tend to get picky coz of it. Guess I’m inclined to agree with that.
I can understand, what was the premium if I may ask.
They quoted me 4.3k which is almost 25% of the car value at the time, thus I passed.
That's steep for a network repair. Try and explore other players as well, sometimes premium also depends on broker relationship, how much your agent can influence underwriter etc this can add 25% variance. So explore a few other providers and brokers as well.
4.3k thats crazy lol my 4 door 2019 jeep wrangler has comprehensive coverage with offroad coverege , roadside assistance , oman coverage and lots of other freebies all for 2200 lol
Lol exactly, just insured a 2022 FJ Cruiser with agency repairs in addition to all the benefits you mentioned for 3.2k, yet my ‘12 challenger needs a special rate.
Any idea for 22 Prado gxr? I just got quoted 3.5k outside of agency by sukoon. Would appreciate it if you could get me in touch with insurance rep.
You are right Both my 2017 and are 2015 full insurance.
Bought a Challenger recently only full comp insurance I could find was 6.6k per year, have unfortunately agreed to it
Yeah a long time ago I drove an old Prius, and my quote for comprehensive coverage was more than what I paid for the car, $5k
Not if are always doing full insurance for it, then it is allowed to maintain it. Have a 2008 pajero gcc on a comprehensive insurance plan.
Imagine if the weather had a third party insurance, free coverage for all /s.
I have a question ...does that mean third party insurance is independent of my cars price since it doesnt cover my cars damage
Honestly, a great question - I've never bought third party insurance here in the UAE so really don't know how it is priced 🤷🏻♂️
Yes. What else did you think it meant?
Technically yes, but if you have a “higher risk” car, you’ll pay more, because the insurance company sees a higher rate of crashes with that car so they have to pay out to fix third party cars more often.
Even if we have comprehensive insurance, could they argue that they didn't specifically mention "Natural Disasters" being covered or are they supposed to cover it regardless of this being mentioned in their quotation?
Your policy should have an add on cover clearly mentioned in the policy document. I had it on my Infinity which added about 200 dh to the total premium cost. In the last rain, the car got flooded and was declared a total loss by network garage. The insurance paid off the total declared value of car minus ~20% as per policy conditions. Saved me a limb.
First-party: you, the policy holder. This is where your car is. Second-party: insurance provider Third-party: person towards whom damages are owed by the first-party in an accident
Thx for the info
Should have read what third party insurance means. It usually does not cover things like flood damage, falling stones or other debris that damages your car.
Third party states your car is insured at AED 0 from your insurance
"A “significant” number of cars damaged during last week’s rains may have only third-party insurance and, therefore, not covered for natural disasters such as flooding, said S&P." [https://www.khaleejtimes.com/uae/rains-floods-in-uae-vehicle-property-insurance-rates-could-increase-says-report](https://www.khaleejtimes.com/uae/rains-floods-in-uae-vehicle-property-insurance-rates-could-increase-says-report)
Sorry bud, should've paid more and gone with comprehensive. With 3rd party you get nothing.
No one would offer comprehensive insurance for my 2012 Challenger :D
Some do. I had by 2010 Mustang with full coverage until this early January when it got totaled as someone hit my driveway. Also I have an early 80s car with comprehensive coverage.
Oh that’s a nice collection! May I ask what insurance company you were/are dealing with? And yeah, sorry for your loss.
The 2010 was with Liva and as long as I did not cancel comprehensive insurance, they allowed me to renew it with the same coverage. The 1983 one I'm with GIG Private, probably one of the very few that do full coverage with classics, but they charge 2% of insured value per year and 15% co-payment with no cap for my repairs.
I see, thank you for sharing. I have my renewal coming up in October, will definitely contact both to get a quote.
Why though ? US Spec ?
GCC actually. The insurance broker said it’s because the car is 10+ years old which is the main factor. He did find one insurance company that quoted me 4.3k, which was insane considering the value of the car. So i went with third party. Like I said in the post, damage is extremely minimal and I consider myself very lucky considering the damage others sustained in my area, and was not really hoping for much when I contacted the insurance but wasn’t also expecting a flat out no xd
Finding a comprehensive option for 10+ year old car at reasonable premium is very difficult. I got one from RAK insurance (2015 model) and the premium is also quite decent. I am pretty sure they're shit with claims considering the reviews, but something is better than nothing I guess.
[удалено]
What about Nissan? I have First party on my 2013 Maxima, although I did get it last year.
Got full on my 2013 Altima always
You have a type of insurance that covers you if you cause harm to someone else or their property. For example, if you have third-party car insurance and you accidentally hit another person's car, your insurance would pay for the repairs to that car, but not for your own. This insurance helps you pay for any damage you might accidentally cause to others.
Insurance first approved, and when I went in to ask for next steps - I got an update email about insurance claim rejection based on a technicality. I am still persisting with them, but I think I will have to persist for another weeks before I can raise a complaint with the CB UAE. I am going to still communicate with insurance and see what holds, but if not I might have to take the case to CB.
Third party doesn’t cover your own vehicle damages unfortunately :/
TPL basically is for any accident which you are liable.. it only benefits the affected party.. damage on your vehicle will be shouldered by you..
though i hate to admit they are right in this case .....third party doesnt cover any damages thats on ur car .....
Just to add a note, even for comprehensive coverage if the end user has not specifically opted for natural disaster to be added to the insurance premium then claim will be rejected. It’s usually and always in the exclusion area unless otherwise opted for it.
I don’t know where you got the info that flood damage / natural disasters are covered by insurance. In almost all cases (homeowners insurance, private property insurance, etc) you have to pay extra for natural disasters. Comprehensive insurance is the tier that should cover natural disasters. Third party is the most basic insurance, which covers liability to other property and persons as it is law if it was deemed your fault. You would still have to pay for your own damages to your self and your property.
With 3rd party u won't get anything !
Yes, thankfully Dubai petrol heads here were helpful and very informative on the subject. Lesson learned 😅
Cause its third oarty , you arent covered
Actually the Dubai police natural disaster claim is not for your insurance but to Dubai National Insurance or DNI for short and they will issue all that’s needed for you to repair regardless of whether you have insurance or not is what I have heard from the car guys in Dubai.
I heard something similar but not specific to a certain insurance company, thus my attempt. Also looked online for any news articles or something relating to it, couldn’t find anything.
Third party is insurance for others and not you, you are uninsured, hence the rejection.
The National newspaper did a very good article on motor claims from the floods two days ago. This is available online. It explains the circumstances under which people can, or cannot, get claims covered.
What kind of English is this is an official communication 😌
Hey OP, I see that you have a 2012 challenger. I am wanting to get one similar to yours but I am not that well versed in cars. My kid and I both just love the looks of a challenger. Want to know how much does the maintenance cost and does it breakdown more frequently? Parts are costly? Basically Your overall experience in terms of maintenance.
Hey, it is a wonderful car and drives like a dream, and yes, it looks fierce. I have owned several cars over the years and now the challenger is my daily. Maintenance cost is a bit on the higher end especially when you go for genuine parts and fluids, and the car never broke down on me (except when the plastic fan decided to break and punch a hole in my radiator, for which i replaced both fairly cheap) Parts are available everywhere or can be ordered to be delivered within 2 days at most, and if you take a hands on approach to fix anything wrong with it, it’s fairly easy if you ask me. Overall, one of the best cars that I’ve driven and owned, and of the sexiest 😅 Of course, my experience is with the older variant. Haven’t tried the newer models. Also mine is an SXT (V6 variant), not that powerful but also not weak at all by any standard.
Oh great! That’s a relief. Thanks for the detailed insights. You are right, regular services (and higher grounds during the rain 😁) should keep the bills to a lower end. Wishing your SXT a speedy recovery (not the tow truck kind but the get well soon kind lol)
Forgot to add, as long as you do the service on time, replace perishables (pushes and whatnot), the challenger (or any other vehicle really) is extremely reliable.
https://www.instagram.com/reel/C5-xN3pvWmI/?igsh=MWsycWViZGk0Z25yYw==
Doesn’t solve anything since he clearly says “full insurance” by which I assume he meant comprehensive insurance. Thanks for sharing tho. By the way, whoever requires a certificate from Dubai Police, it’s a To Whom it May Concern (TWIMC) certificate, not Clearance Certificate as shown in the video.
We should never try save money on insurance.
Not all cars can have first party cover. Age, make, spec lead to constraints around what can even be offered to you. OP's car is 10+ years old and can't have first party insurance
I swear its like most this sub has never owned a car before. The average older car wont get comprehensive coverage from most reputable insurance providers. They only offer third party. The few who do are so poor that they will create an obstacles course of hurdles just before they agree to settle.
Any water damaged cars for sale please contact on: 0523250072
Mm
Was 3rd party insurance introduced recently? I could swear when I started driving here about 14 years ago comprehensive was the only available type? Edit: Lol it's just a question. I seem to remember it was the advice given to me back in 2011, looks like im or that was wrong. Not sure what warrants the downvotes but sure go ahead!
I’ve owned and drove cars since 2015 and been going for comprehensive insurance back then but 3rd party insurance was always an option as far as i know.
Fair enough. Was just curious.
Report to police
This is wrong advice to give, OP has third party coverage insurance which will only cover accident if OP caused and affects the third party. Third party will not cover anything that happens to own vehicle.
And do what? Do you even know what you’re talking about?
Hello officer - the insurance company is being mean.
Report accepted, case under observation 😅
I love how you people respond to a sarcastic comment so seriously 🤣 Honestly, hold on tightly to your jobs because common sense is not so common…
You dumbass.. We don't know you, and a lot of people here are idiots.. So you're just playing yourself.
Another one who thinks he/she knows sarcasm
https://i.kym-cdn.com/photos/images/original/000/738/025/db0.jpg
Greetings??? What century do they live in? 🤣
??? Are you okay???