Union Insurance Car Insurance Overview
Union Insurance has been in operation for more than 20 years. This Dubai-founded company has nine offices through the United Arab Emirates and operates in a number of countries in the Gulf region. It has more than 300 staff and, as of 2015, had an annual turnover of AED 700 million, and has received a B++ AM Best rating.
You can buy consumer and commercial insurance from Union Insurance; their consumer insurance products include health, life, travel, home and yacht insurance, as well as motor insurance.
Union Insurance was founded in in 1998 in Dubai using capital in excess of AED 330 million. The company is licensed by the UAE Insurance Authority and listed on the Abu Dhabi Securities Exchange. In 2017 Union Insurance announced a commercial alliance with the Isle of Man-based financial services company Hansard International to produce savings and investments products.
Union Car Insurance Contact Details
Dubai (Head Office)
Single Business Tower,
Sheikh Zayed Road
P.O Box 119227
+971 (04) 3787 777 (764)
Fax: +971 (04) 3787 778
Al Corniche Tower, Abu Dhabi Corniche
P O Box 54524
Abu Dhabi, UAE
+971 2 6906 555
FAX +971 2 6906 556
Ground & Mezzanine Floors, Ajman Building
Sheikh Khalifa bin Zayed Road
P O Box 1225
+971 6 7014666
FAX +9716 7014668
Why buy Union Insurance Car Insurance?
Union Insurance offer three car insurance packages from the basic third-party insurance that covers damage to a third party by your vehicle and is mandatory according to UAE law, to Standard Comprehensive cover and then Superior Comprehensive insurance cover.
The Union Insurance third-party insurance covers third-party property damage up to AED 2 million, unlimited third-party bodily injury, ambulance services up to AED 6,770, personal accident benefit for the driver up to 200,000, and personal accident benefit for family members up to 200,000, and covers the entire UAE.
The Union Insurance Standard Comprehensive deal covers the same as the above package but with a larger payout for third-party property damage that is up to AED 3.5 million, it additionally covers accidental overturning, fire and theft, driving in Oman as well as UAE, emergency medical expenses up to AED 3,000, valet parking theft cover, replacement of locks up to AED 1,000, waiver of mandatory excess for windscreen damage up to AED 1,000, auto GAP for vehicles under 6 months old, the option of having a replacement vehicle when yours is being repaired or serviced, personal injury for the insured driver or their spouse up to AED 10,000, Silver Plan roadside assistance, optional pickup and drop off for both the airport and service center, taxi fare up to AED 100, agency repair up to five years.
The Union Insurance Superior Comprehensive package covers the same as the above package but with a larger payout for third-party property damage that is up to AED 5 million, emergency medical expenses up to AED 6,000, personal belongings up to AED 5,000, replacement of locks up to AED 5,000, unlimited waiver of mandatory excess for windscreen damage, off-road (4-wheel drive) cover, auto GAP for vehicles under 12 months old, the option of having a replacement vehicle when yours is being repaired or serviced, personal injury for the insured driver or their spouse up to AED 20,000, Gold Plan roadside assistance, a car registration service, and taxi fare of up to AED 250.
Value Added Extras
Union Insurance has a network of seven garages and repair workshops, which together cover the entire UAE. If you go for a year without making a claim you will get a no-claims bonus when you renew your policy.
Both Comprehensive plans both offer roadside assistance, this includes jumpstarting and towing your car, and you can pay an additional premium to get a replacement vehicle in case you cannot drive yours (usually because it at the garage). If you need roadside assistance, call 800 4900.
Union Insurance will insure sports and high-value cars on a referral basis.
Union Insurance Car Insurance Claims Process
Before you make you claim you need to have the four following documents to hand:
- Policy number and policy type
- Driver’s license
- Copy of your car registration card (or Mulkiya), (both sides)
- Police report
You can register a motor insurance claim through the Union Insurance online claims portal or by calling the motor claims hotline on 800 UIC4U (84248).
Please note: You should ask for an estimate for any work from the garage and get it approved with Union Insurance before the garage starts work on any repairs.
Union Insurance Car Insurance FAQs
What does GAP insurance cover?
GAP insurance stands for Guaranteed Asset Protection and it protects you when your standard insurance payout (or ‘total loss payment’) does not cover the full value of your car. GAP is really for motorists who have just bought a brand new car, because a great deal of the value of a new car shrinks within the first few months or during first year that you own it. This means that if your car is stolen or written off soon after you have bought it, GAP insurance will make sure you get the full value of your car rather than just, say, 60% that you would get from ‘total loss payment’.
Where do I find the ‘Vehicle information’ that is required to buy car insurance?
You will find the ‘vehicle information’ on your car registration card (Mulkiya).
What is the minimum length of car insurance I can buy?
You have to buy coverage for a 13-month period according to the UAE Traffic Department (the Roads and Transport Authority and the Emirates Vehicle Gate). This insures you get a one-month ‘grace’ period after a year’s cover.
I have third-party insurance, can I upgrade to one of the Union Insurance Comprehensive plans?
You can upgrade from third-party insurance to a comprehensive plan as long as your car is GCC standard and supported by a Comprehensive Test Certificate. All subject to approval of course.
I can’t remember when I need to renew my insurance policy. What do I do?
Your insurance policy document and car registration card (Mulkiya) should have details of your policy renewal date. In any case, we will send you reminders by SMS, plus an email near to the renewal date.