What is Passenger Cover on Car Insurance in UAE?

Car Insurance in the UAE is known to provide financial coverage if there are any damages caused to your vehicle during accidents or natural calamities or theft, etc. It provides coverage to the drivers as well. The driver of the vehicle will be provided financial support in the case of an accident and the driver is injured. Most car insurance providers offer personal accident cover on the basic comprehensive car insurance policy. But what about the passengers traveling along in the damaged vehicle?! 

The basic comprehensive car insurance or third-party insurance does not cover the damages caused to the passengers in the vehicle. And only a Passenger Cover add-on can come to the rescue during such instances. 

Passenger Cover on Car Insurance in UAE

The passenger cover add-on is meant to protect the passengers in the vehicle. It provides financial coverage for the 3 passengers in the vehicle excluding the driver. If the car meets with an accident, the passenger cover will provide assistance for injuries, temporary or permanent disabilities or death of the passengers. It provides wide coverage for the travelers in the vehicle. 

If you are the driver of the vehicle, you will be covered in the case of accidents as per your basic car insurance policy, but passenger cover is the only cover that provides coverage for the passengers in the vehicle. Though passenger cover is not mandatory, it will financially protect your family or friends who are traveling with you. Be it your personal use or commercial purpose vehicle, it is recommended to get the passenger cover add-on on your regular car insurance.   

Benefits of Passenger Cover in UAE

Usually, as the owner or driver of the vehicle, it would be your responsibility to protect the passengers in the vehicle. Opting for the passenger cover add-on to your car insurance in the UAE will protect your passengers as well. The benefits provided on a Passenger Cover of Car Insurance are, 

• Covers medical cost for the passengers involved in the accident 
• Provides financial assistance to the passenger’s family in the case of death 
• Provides liability coverage in the case of temporary or permanent disability of the passenger 

What is NOT covered in Passenger Cover in UAE?

While getting car insurance in UAE or any add-on, it is always recommended to check the terms and conditions. Not every insurance provider offers a passenger cover and the coverage provision varies from insurer to insurer. Similar to other car insurance add-ons, the Passenger Cover also has some exclusions while providing coverage like, 

• If the accident took place as the driver is in the influence of alcohol or drugs 
• If the accident was an intentional damage
• Only three passengers in the car are provided coverage 
• If the passengers are not in the car during the accident 
• If there is no passenger cover add-on itself on the car insurance 
• If the damages caused doesn’t involve an accident

How to claim Passenger cover on Car Insurance?

The claiming procedure for the passenger cover involves a few steps that are, 

• First, register a complaint at the local police station regarding the accident 
• Then immediately inform the insurance provider without delaying it more than 24hrs 
• Provide pictures and police report copy to your insurance provider to support your claim 
• If the passengers are already hospitalized, then provide the medical bills to the insurance provider 
• The insurance provider will inspect the case and proceed with the claim as per their company policies