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Navigating Replacement Cars After a Traffic Accident in the UAE

Stuck Without a Vehicle? Here’s What to Do

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Pavitra Shetty

Published on January 18, 2025, 14:43:42

car repair following accident UAE might

If your car is under repair following an accident in the UAE, you might be eligible for a replacement vehicle. Replacement cars, also known as courtesy cars, are often provided under motor insurance policies to minimize disruption during repairs.

What Is a Replacement Car?

A replacement car is a temporary vehicle offered through comprehensive motor insurance policies when your insured vehicle is involved in an accident. Coverage durations typically range from 7 to 15 days, depending on your insurer and policy terms.

Eligibility for a Replacement Car

Eligibility depends on the type of accident and your insurance policy:

  • Own Fault Accidents: Replacement cars are available if your policy includes this benefit. After registering your claim, the car is usually delivered within 24 to 48 hours.

  • Non-Fault Accidents: The at-fault party’s insurer provides a replacement car once repair estimates are approved.

Types of Insurance and Replacement Car Benefits

  • Comprehensive Insurance: Replacement car benefits are typically an add-on option.

  • Third-Party Insurance: In non-fault accidents, you may receive a substitute vehicle or a monetary allowance from the at-fault party’s insurer, usually for up to 15 days.

When Replacement Cars Are Not Covered

Replacement cars are not provided in cases where:

  • The policyholder has not opted for the car hire add-on.

  • The damage is caused by circumstances not covered under the policy, such as intentional harm or driving under the influence.

Policy Duration: Per Accident vs. Per Policy Year

Replacement car benefits may be capped based on your policy:

  • Per Accident Basis: You can use a replacement car for a set number of days after each insured accident.

  • Per Policy Year Basis: Coverage is limited to a total number of days per year, regardless of the number of accidents.

Non-Fault Accidents and Replacement Cars

If you are not at fault in an accident, the other driver’s insurer covers the cost of a replacement car. This applies even if your own policy lacks the courtesy car benefit.

Choosing Your Replacement Car

In own-fault accidents, options are usually limited to vehicles provided by your insurer. For non-fault accidents, you can often rent a car of your choice within an approved budget, with reimbursement available upon submitting the invoice.

Planning for Vehicle Downtime

Understanding the terms and limits of your motor insurance policy is crucial to avoid unexpected disruptions. Whether it’s opting for add-ons like the car hire benefit or being aware of non-fault rights, proper preparation ensures a smoother recovery after an accident.

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