As rain continues to pour in various parts of the UAE, including Dubai and Sharjah, motorists find themselves grappling with the aftermath of torrential downpours. However, beyond the inconvenience of navigating waterlogged streets, drivers face potential hurdles when it comes to insurance claims for rain-related damages. In this guide, we delve into the intricacies of UAE motorists’ insurance claims during inclement weather, shedding light on factors that could lead to claim rejection and offering practical advice for navigating these challenging conditions
Factors Leading To Rejected Claims
A Porsche in Dubai yesterday after the heavy rain👏 pic.twitter.com/nPySiH0C6A
— Tansu Yegen (@TansuYegen) April 17, 2024
Industry experts have highlighted key reasons why insurance claims could be denied. Damaged vehicle wipers and driving or parking in submerged waters are among the top causes of rejection. According to Moin ur Rehman, executive director of Unitrust Insurance Broker, car owners have the right to file claims under specific conditions. If a vehicle is parked in a flooded area due to heavy rains and subsequently towed for maintenance, insurance may cover the repair costs. However, attempting to start the engine in a waterlogged or partially submerged area could lead to claim rejection.
To Sum Up!
- Damaged vehicle wipers
- Parking or driving in submerged waters
- Intentional driving on flooded roads
- Lack of coverage for floods and natural calamities in insurance policy terms and conditions
Coping Strategies During Heavy Rains
Timelapse of the thunder storm that led to flooding of Dubai.
The rains that started ~ midnight on 16th April went on till 7-8PM in the evening. There were multiple spells of TS rain, some of them were heavy.
Evening 5.30 PM to 6.30 PM seems to have been the worst with heavy… pic.twitter.com/V3FZd2Jn2A
— Namma Karnataka Weather (@namma_vjy) April 17, 2024
The recent heavy rainfall in the UAE has prompted authorities to issue red alerts nationwide, urging caution. With the expectation of continued rain until Wednesday morning, remote work and distance learning have been extended to ensure safety. To mitigate risks, motorists are advised to avoid driving through flooded areas, as intentional navigation through waterlogged roads can result in rejected insurance claims.
Ensuring Adequate Coverage
Stay at your homes and be safe everyone. #Dubai #dubairain pic.twitter.com/L6VdlWz9j4
— Javeria Saeed (@jwreeeties) April 17, 2024
Motorists must review their insurance policies to ensure coverage for floods and natural calamities. While comprehensive insurance plans typically include such coverage, it’s essential to check policy terms and conditions, as insurers may exclude specific clauses related to natural disasters from third-party motor insurance.
Also Read: “Nope. Not Mumbai. Dubai…” Anand Mahindra Gets Flak For Comparing Dubai Flood To Mumbai
Proactive Measures and Expert Advice
To prevent incidents in waterlogged areas, the Roads and Transport Authority in Dubai encourages the use of public transportation, such as the metro. Avinash Babur, CEO of the insurance market, emphasises the importance of essential services like roadside assistance and specialised covers for protection against natural calamities. Skipping these services could leave individuals assuming coverage for damages that may not be included in their policies.
Cover Image Courtesy: Canva
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