Replacement Car Add-on: Stay Mobile While Your Car Is Repaired

If your car is damaged in an accident or other covered incident in the UAE, the Replacement Car Add-on (also called temporary replacement vehicle or car replacement cover) keeps you moving while repairs are underway. This vehicle insurance add-on is available across Dubai, Ajman and other Emirates and can be added to most motor insurance policies.

Key points

What it is: an add-on to your motor insurance that provides a temporary replacement vehicle while your insured vehicle is under repair after a covered incident.

Who it helps: daily commuters, families, business drivers and anyone who cannot be without a car during repairs.

Where it applies: available with many insurers in the UAE (including Dubai and Ajman) — terms vary by insurer and policy.

Typical benefits: continuity of mobility, reduced disruption to work and family life, and often a vehicle in the same category as your insured car (subject to availability).

How the Replacement Car Add-on works

1. Report the incident to your insurer and submit a claim as soon as possible. 2. Arrange vehicle inspection and repair at an approved workshop (insurer requirements vary). 3. Once the claim is accepted and repairs are scheduled, your insurer or repairer arranges the temporary replacement vehicle according to the add-on terms. 4. You return the replacement when repairs are complete or when the add-on limit is reached.

Common questions (FAQ-style)

What does the add-on usually cover?

Coverage normally provides a temporary vehicle while the insured car is being repaired after an accident or other covered incident. Exact vehicle class, daily caps and duration depend on the insurer and your policy.

How long will I get a replacement vehicle?

Duration varies by policy and insurer. Many policies set a maximum number of days or a total limit for replacement car provision. Check your policy for specific limits.

Is the replacement car included for at-fault claims?

This depends on your insurer and the add-on wording. Some insurers provide replacement vehicles for both at-fault and non-fault claims; others may restrict this. Confirm with your insurer or broker.

Are there exclusions?

Common exclusions (subject to your policy) include mechanical breakdowns not caused by an insured event, incidents not reported properly, or situations outside policy terms. Always review the add-on wording for exact exclusions.

What documents are typically required to arrange a replacement car?

Usually: claim reference, vehicle registration (Mulkiya), driving license, repair estimate or approval from the insurer, and police report where applicable. Requirements vary by insurer and repairer.

Can I get this add-on in Dubai and Ajman?

Yes — many UAE insurers offer the replacement car add-on in Dubai, Ajman and other Emirates. Availability and terms differ by insurer and policy.

Is a like-for-like replacement guaranteed?

Availability of a vehicle of the same class is subject to supply and insurer terms. Policies often provide a vehicle of similar category where possible but do not guarantee an exact make or model.

Tips before you add Replacement Car Cover

Read the add-on wording carefully: check daily limits, total days, vehicle class and exclusions.

Confirm whether the replacement is provided for at-fault claims and third-party liability claims.

Ask whether the replacement vehicle includes insurance, mileage limits or fuel responsibilities.

Verify approved garages or repairers required by your insurer to avoid delays.

How to add the Replacement Car Add-on

Contact AL SAHRAA Businessmen Services LLC to discuss available add-on options for your motor insurance policy. An AL SAHRAA advisor can explain coverage limits, eligibility, and how the replacement car arrangement will work in your emirate (Dubai, Ajman or elsewhere in the UAE).

Call to action

Request a quote from AL SAHRAA Businessmen Services LLC today to add the Replacement Car Add-on to your motor insurance and stay mobile while your vehicle is repaired. Contact AL SAHRAA through our website or speak with your AL SAHRAA insurance advisor to get started.