Car Insurance Coverage for Riots & Natural Calamities

It is a well-known fact that car insurance is mandatory for all car owners in the UAE. More than abiding by the law, car insurance provides financial protection at the time of need. Car Insurance might seem an extra expense for a few. Car Insurance doesn’t protect you only from car accidents, there are other benefits as well. It protects you from other incidents as well like theft protection coverage, coverage for the damages that occurred during riots or due to natural calamities, if your car breaks down on road, it provides roadside assistance and much more.   

Car insurance provides coverage for damages caused during riots and natural calamities. It is available for comprehensive car insurance holders. This coverage is not provided on a third-party car insurance policy. Most car insurance providers offer coverage for damages caused during riots and natural calamities like floods, hailstorms, etc. But as a car insurance buyer, it is important to check the terms and conditions of a policy before proceeding with the payment. Though comprehensive car insurance is meant to provide extensive coverage for your car, there are certain factors it doesn’t cover unless there is an add-on on the policy cover. 

Car Insurance Riots & Natural Calamities Coverage

Damages that occur due to riots and natural calamities are something that is not under the control of the driver. Being financially prepared and protected for such incidents is always better especially if you stay in a region where frequent vandalisms take place or flood-prone areas, etc. 

Car Insurance covers natural calamities like floods, hurricanes, earthquakes, hailstorms, sandstorms, etc. It also provides coverage for damages caused during riots, vandalism, theft, etc. 

Claiming Car Insurance for damages due to Riots or Natural Calamities

The car insurance claiming procedure for damages due to Riots or Natural Calamities involves certain steps like, 

• Firstly, check the policy documents whether it covers the purpose. If your car insurance policy has an add-on for riots or natural calamities coverage, then go through the terms & conditions of the policy before proceeding with the claim request 
• It is always recommended to take pictures and videos of the damages caused to the vehicle with the timestamp on it. In the case of riots, you may also be required to provide newspaper or media reportings to support your complaint  
• Contact your insurer and explain the incident to them. They would ask you to visit the office or fill the online form. Fill the form and provide the required proof with documents to support your claim 
• In the case of vandalism, you may be required to file a police complaint and submit the FIR to your insurer 
• The insurer will examine the documents and process your claim request 

When can your car insurance claim for riots/natural calamities get rejected?

There can be instances where your car insurance claim request may get rejected when, 

• If you have only third-party car insurance but not a comprehensive car insurance policy 
• If your car insurance policy got expired 
• If the damages caused to your car are intentional 
• If you didn’t park your vehicle in a safe place at the time of riots
• If the necessary documents are not submitted to process your insurance coverage claim 
• If the car insurance terms and conditions don’t support your claim