Check the top 3 Insurance companies in Qatar
Car insurance is obligatory in Qatar, it’s not a something that you may or may not do, instead, any new car must be insured for at least 12 months before being registered.
Driving without a valid car insurance is regarded as an illegal action in Qatar which is penalized, however, drivers may have a month grace if the 12-month period is over.
In Qatar, it is the car that gets insured not the driver, so once a car is insured, anyone having a valid driving license can drive it.
Costs of insurance in Qatar is estimated according to the car value. The benchmark cost starts from 6% of the car value and rises up for fancy, high-performance and expensive vehicles.
Since insuring a car is a must in Qatar, we thought about listing a number of the best car insurance agencies that you offer the best insurance services in the state.
But before starting off with the list, it’s better to provide a number of tips that you may find helpful. First, Car-insurance policies last only for 12-months, no more. Second, insurance becomes invalid if the driver was found to be driving off-road or drinking alcohol, however, some insurance agencies cover off-road accidents.
Third, driving in other GCC states is covered by some agencies, but not all, so, if you travel a lot around GCC areas, you need to check before purchasing a policy.
Now, let’s start with our list.
Best car insurance companies in Qatar
1.Qatar Insurance Company
A well-established Qatar-based insurance company that offers an extended bundle of insurance services including of course car insurance.
Qatar Insurance Company (QIC) has a massive branch network that covers many areas in Qatar including a branch in Al Khor Road and another one in West Bay, Doha.
Besides the conventional car insurance services, QIC features a unique set of additional features including the availability of full-registration services online, top-notch customer services, and Workshop Rating Program which includes nearly all workshops and garages around Qatar.
2.Arabia Insurance Company
Arabia started in 1944 in Beirut to cover later with its branch network 9 Arabian countries including Qatar.
The car insurance services at Arab Insurance Company has a wide array of programs starting from the benchmark program (Third Party Liability) that covers road damages only to comprehensive program that covers road damages, thefts, fire, malicious acts, driver’s medical expenses, and even the family’s medical expenses.
AIC has different platforms on the top social networks to stand nearer to its customers and be more responsive, however, it doesn’t offer online services and its website content is bit limited.
3.Doha Insurance Company
Doha Insurance Company (DIC) was established in 1999 and it is listed on Qatar Exchange Market.
Despite that it’s one of the newest companies engaged in insurance and re-insurance business activities, it has registered high growth rates and it is developing in a very rapid pace.
DIC offers only two programs of car insurance which are the Motor Compulsory Insurance and the Motor Comprehensive Insurance.
The comprehensive kind covers the customer against all sorts of theft, car damages, body injuries, and third-party liability.
The compulsory kind covers injuries of other people which happened as a result of a car accident made by the customer and damages made to other people’s properties due to a car accident made by the customer.
Car Insurance details checklist
Before shopping around for a policy, make sure you have the following checklist to hand as you will need these details to get a quote:
- The type of cover you require
- Who will be driving the car
- The make, model, registration number and year of manufacture of your car
- The current value of your car
- The number of years of no-claims discount you’ve accrued
- Where the vehicle is kept when not in use
- What you use the vehicle for, such as business, commuting or domestic use
- Estimated annual mileage
- Full details of all claims or convictions you’ve had over the past three years
- The dates and details of any claims you have made
- Your full address
- Full details of any alarms or immobilizers the car has installed
What should I look for in my car insurance quotes?
When you compare quotes, ask yourself:
- Is the policy designed for a particular group, such as the over-50s?
- What extras you could get, such as breakdown cover, lock replacement or overnight accommodation if you are involved in an accident or have your car stolen while you’re away from home.
- If you drive abroad for long periods of time, are you covered?
- Would you get a courtesy car while yours is being repaired? And if so, how long can you keep it for, and do you have to pay to insure it?
- Do you have legal cover if you go to court? Some insurance policies will pay legal bills up to £50,000.
- Can you protect your no-claims bonus, and how many claims are you allowed to make?
- Can you transfer a no-claims bonus built up while driving on someone else’s insurance policy?
- Can you transfer your no-claims bonus onto a second car?
- If you pay your premiums monthly, will your policy be more expensive than if you pay for it in full?
Finally, always read the small print, and make sure you check that the policy document you receive in the post is the same as the one you saw online before signing on the dotted line.