What Could Lead to Nullification of Your Vehicle Insurance in Dubai

If you have been looking around for vehicle insurance Policies, you must be familiar with how annoying it could be.

The process of buying car insurance policy in Dubai involves:

• Making a comparison between car insurance policy quotes provided by multiple agencies
• Then choose which one that is most suitable for your vehicle
• And then purchasing the one that suits you best. Even after you’re done with the hectic process there are a few mistakes people make that could make their insurance provider terminate their policy.

Who could get Dumped by their Insurance Agency?

Vehicle insurance is a monetary commitment for at least a year which could easily cost you some few thousand dirhams.

• But even after paying the full premium and spending all that money to get your vehicle insured in Dubai, you could one day be informed that your policy has been terminated.
• Even an unintentional slip-up could cost you a fortune when Your claim gets turned down. And to make matters even worse a slip-up could get your policy cancelled by the insurance agency and the hefty premium on your insurance policy going down the drain, and you may have to pay for the fixes or damages (if any) from your bank account.

There could be various reasons as to why an insurance agency would terminate your auto insurance mid-tenure. Following are a few common reasons:

Insurance Fraud

Most popular reasons why vehicle insurance agencies cancel policies are dishonesty and fraud. If your insurance provider finds out that you have provided them with false information about the automobile or driver particulars while requesting for the policy, or have made dishonest claims, or have intentionally ignored the terms and conditions of the insurance policy, they have the right to terminate your insurance policy.

Undisclosing Car Alterations

Not educating the insurance company about any alterations that you have made on your vehicle, which influences the exhibition, worth, and safety of the car may prompt the end of your policy. The most favourable circumstance is to keep your insurance provider updated about all or any alterations you want to make to your vehicle. Like this, you will precisely comprehend what your insurance policy could get extended to, and what could be excluded from it.

Ignorance of Traffic Rules

Ignoring the traffic rules and regulations doesn’t just get you in trouble with the system but also with your insurance agency. Offences such as driving after consuming alcohol or driving while having a license that is suspended could be a solid basis for the termination of your insurance policy.

Ignorance of Car Maintenance

The policyholder has to be mindful to keep his vehicle in a decent condition that is at any rate roadworthy. This implies you have to ensure that you get your car checked routinely for breakdowns and anomalies.

Leaving Your Car Unlocked

Many drivers in Dubai are oblivious to the fact that if they unintentionally leave their vehicle unprotected and unlocked, they are not only putting their automobile at the risk of getting stolen but also jeopardising their insurance policy. Your insurance agency can reject your claim and refuse to cover your damages or losses caused by burglary or vandalism after they find out you left your car unlocked. The agency can also terminate your insurance plan.

Usage of Vehicle for Business Purposes

Generally, vehicle insurance policies put a clear condition that the coverage of insurance is restricted to the private usage of the vehicle by the driver. So if you are using your vehicle for business purposes, such as for making deliveries or transportation, your car insurance policy in Dubai could get terminated.

Loaning Out Your Vehicle

Just you and the driver named in the strategy can utilise your vehicle. If you lend out your car to any companion or relative, you may wind up getting your insurance policy cancelled. If your vehicle engages in a mishap while your companion was the one driving it, the protection supplier will deny paying for any harms or fixes. Aside from that, they could nullify your strategy as a punishment for enabling an outsider to drive your vehicle deliberately.

In Conclusion

If you have a vehicle insurance policy in Dubai and want to keep it, you have to make sure you are careful at all times. In case of any doubts, contact your insurance provider immediately to be more clear about your insurance plan. After all, being dumped by your vehicle insurance agency could cost you a lot in Dubai.