Replacement Car Add-on
An add-on to your motor insurance that provides a temporary replacement vehicle while your insured car is being repaired after an accident or covered incident in the UAE.
Overview
The Replacement Car Add-on supplies a temporary vehicle when your insured car is off the road for repairs following a covered accident. It can be purchased with comprehensive policies or added at renewal to reduce disruption and keep you mobile. This cover is suitable for daily commuters, families and business users in Dubai, Ajman and elsewhere in the UAE who require continuity of transport during repair periods. Coverage terms (duration, vehicle class and daily limits) vary by insurer and policy. To add this benefit we assess your existing vehicle policy, select an appropriate replacement vehicle class and confirm the add-on premium. When you file a valid claim, you will submit required documentation and arrange the replacement through approved suppliers or as specified in your policy. Before purchasing, check exclusions, daily or total limits, eligible vehicle classes, and whether the add-on applies to accidents only or also to theft/total loss. AL SAHRAA helps compare options so you choose the cover level that fits your needs.
What to prepare
- Copy of Emirates ID
- UAE driving licence copy
- Vehicle registration (Mulkiya)
- Current insurance policy copy or policy number
- Passport copy (if required)
- Police report (for accident/claim situations)
- Garage repair estimate or workshop job card (for claims)
- Completed claim form (when filing a claim)
How the process works
- Request a quote or discuss add-on options with an AL SAHRAA agent
- Confirm eligible vehicle class, duration and daily limits
- Provide required documents and policy details
- Pay the add-on premium and receive endorsement to your policy
- If an insured event occurs, file a claim with documentation and arrange the replacement vehicle per policy terms
Why clients choose AL SAHRAA
- Admin-reviewed quotations before you proceed.
- Document coordination and progress tracking in one portal.
- Support for business, compliance, visa, insurance, and IT-related requests.
- Clear request history, updates, and delivery follow-up.
Frequently asked questions
What does the Replacement Car Add-on cover?
It provides a temporary replacement vehicle for a defined period while your insured car is being repaired after a covered accident or incident, subject to your policy terms and limits.
Can I add this cover to any policy?
The add-on is commonly available with comprehensive policies and at renewal; eligibility depends on insurer rules, vehicle age and policy status. AL SAHRAA can check your eligibility.
How long will I get a replacement car?
Duration depends on your chosen add-on limits and the insurer’s terms—typical options are daily limits up to a specified total number of days during repair.
Are there exclusions I should know about?
Yes. Common exclusions include uninsured drivers, intentional damage, and incidents outside policy coverage. Check policy wording for full details.
What do I need to claim a replacement vehicle?
You typically need your policy number, claim reference, police report (if applicable), garage repair estimate, ID and the completed claim form as required by the insurer.
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