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Car insurance is mandatory in Bahrain, and drivers who don't have it are often penalised by the Traffic Directorate. The cost of car insurance depends on the make and model of the car, the driver's history, and the level of coverage chosen. There are two main types of car insurance in Bahrain: comprehensive insurance and third-party insurance. Comprehensive insurance covers both accidental damage to the insured vehicle and third-party liability, while third-party insurance only covers third-party liability. Add-ons are also available to customise insurance plans according to driving habits and needs.
| Characteristics | Values |
|---|---|
| Insurance Type | Third-Party Liability Insurance, Comprehensive Insurance |
| Comprehensive Insurance Coverage | Own Damage, Fire & Theft, Personal Accident Cover for the Insured/Driver's Family Members, Windscreen Damage, Natural Calamities, Free Roadside Assistance, GCC Extension for Own Damage, Agency Repairs & Waiver of Depreciation |
| Third-Party Insurance Coverage | Third-Party Liability, Third-Party Bodily Injury, Third-Party Property Damage |
| Add-On Covers | GCC Coverage, Roadside Assistance, Replacement Car Services for Accident Vehicles |
| Cost | Starting from BD 53, then depending on the car and add-ons |
| Mandatory | Yes, third-party insurance is mandatory to drive a car in Bahrain |
What You'll Learn
Comprehensive car insurance
Comprehensive insurance also includes coverage for loss or damage to your vehicle, including personal belongings. In the event of a total loss, such as theft or burglary, the insurance company will reimburse you for the cost of the car. Comprehensive insurance also offers add-on covers such as roadside assistance and a replacement car service while your vehicle is being repaired. Additionally, comprehensive insurance can provide coverage for natural calamities, fire, and theft, as well as personal accident cover for the insured driver and their family members.
One of the benefits of comprehensive insurance is that it can protect you from financial burden in the event of an accident. Without insurance, repairing damaged parts can cost an average of BHD 1,000. With comprehensive insurance, you only pay a nominal insurance premium and excess fees. Comprehensive insurance also gives you the option to repair your vehicle at an agency/dealership or with a network of approved garages.
When purchasing comprehensive insurance, you can also choose from a range of add-ons to customise your policy based on your driving habits and needs. These add-ons may include GCC extension, windshield cover, no depreciation, agency repair, and roadside assistance. It's important to note that comprehensive insurance is essential if you want to ensure that your own car is protected, in addition to covering your liability towards others.
Overall, comprehensive car insurance in Bahrain offers extensive coverage for vehicle owners, providing peace of mind and financial protection in the event of accidents, damage, or loss.
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Third-party car insurance
In Bahrain, car insurance is a necessity for all drivers. One of the insurance options available is third-party car insurance, which offers protection against your liability towards third-party personal injury and property damage. This type of insurance is legally required for all drivers in Bahrain and can provide peace of mind in the event of an accident.
The benefits of third-party car insurance include not only financial coverage but also assistance services. Some insurance providers in Bahrain offer 24/7 roadside assistance and breakdown recovery as part of their third-party insurance plans. This can be invaluable if your car breaks down on the road, as you can get help anytime, anywhere.
When choosing third-party car insurance in Bahrain, it is important to understand the exclusions and limitations. For example, some policies may not cover consequential loss, depreciation, wear and tear, or mechanical breakdowns. It is also important to note that third-party insurance does not cover damage to your own vehicle or personal belongings. If you are seeking more extensive coverage, you may want to consider comprehensive car insurance, which offers additional protections.
Overall, third-party car insurance in Bahrain provides essential protection against your liability towards others in the event of an accident. By understanding the coverage, exclusions, and limitations of this type of insurance, you can make an informed decision about your car insurance needs and ensure you have the necessary financial protection in place.
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Add-ons and customisation
Car insurance is mandatory in Bahrain, and it's important to understand the various add-ons and customisation options available to ensure you're getting the most suitable coverage for your needs.
Add-ons:
Add-ons are optional coverages that you can include in your car insurance policy for an additional cost. Here are some common add-ons offered by insurance providers in Bahrain:
- Roadside assistance: This add-on provides assistance if your vehicle breaks down or experiences mechanical issues. It typically includes services such as towing, fuel delivery, and battery jump-starts.
- GCC extension: If you plan to drive your vehicle outside of Bahrain, particularly to other Gulf Cooperation Council (GCC) countries, this add-on extends your insurance coverage to those regions.
- Windshield cover: This add-on covers the cost of repairing or replacing a damaged windshield.
- No depreciation: With this add-on, you can avoid the depreciation factor when claiming for repairs or replacement parts, ensuring you don't have to pay any additional costs.
- Agency repair: This add-on allows you to have your vehicle repaired at authorised dealerships or agencies, ensuring the use of genuine parts and maintaining your vehicle's warranty.
- Protection against strikes, riots, and natural calamities: Bahrain can experience extreme weather conditions and civil unrest, and this add-on provides coverage for damages resulting from these events.
Customisation:
Customising your car insurance policy allows you to tailor the coverage according to your specific needs and driving habits. Here are some ways you can customise your policy:
- Selecting the right type of insurance: The most basic type of car insurance in Bahrain is third-party insurance, which covers your liability towards third-party property damage and bodily injuries. However, for more comprehensive coverage, you can opt for comprehensive insurance, which also includes protection for your own vehicle.
- Considering your vehicle's age and condition: If you have a new car, you may want to include add-ons like agency repair and no depreciation. For older vehicles, consider add-ons related to mechanical failures and roadside assistance.
- Evaluating your driving habits: If you frequently drive to neighbouring countries, the GCC extension add-on is essential. Additionally, if you're concerned about natural calamities or strikes, include the relevant add-on for peace of mind.
- Choosing the right insurance provider: Different insurance providers in Bahrain offer varied add-on options and customisation features. Shop around and compare the offerings from companies like Arabia Insurance, New India, and GIG Gulf Bahrain to find the best fit for your requirements.
Remember, when customising your policy, carefully consider your driving habits, the age and condition of your vehicle, and the level of coverage you need. By selecting the right add-ons and customising your policy, you can ensure that you have the most appropriate protection for your vehicle in Bahrain.
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Cost of car insurance
The cost of car insurance in Bahrain depends on various factors, including the make and model of your vehicle, your driving history, and the level of coverage you choose. It is mandatory to have at least a third-party insurance plan to be able to drive a car in Bahrain.
Third-Party Insurance
Third-party insurance covers your financial liability in case of an accident involving bodily injury to another person or damage to another person's property. The cost of third-party insurance starts at BD 53, excluding VAT, and can be paid as a one-time payment.
Comprehensive Insurance
Comprehensive insurance is important to ensure that your own car is also protected in addition to third-party coverage. Comprehensive insurance can cover car loss or damage, personal belongings, and third-party liability against personal injury and property damage. The cost of comprehensive insurance varies depending on the insurance provider and the specific plan chosen.
Add-ons and Customization
In addition to the basic insurance plans, you can also customize your insurance by purchasing add-ons based on your driving habits and needs. These add-ons can include GCC extension, windshield cover, no depreciation, agency repair, roadside assistance, and more. The cost of these add-ons will vary depending on the insurance provider and your specific selections.
Factors Affecting Cost
When determining the cost of car insurance in Bahrain, insurance companies may consider factors such as your vehicle's engine capacity, age, and condition. Additionally, your driving history, including any accidents or claims, can impact the cost of insurance. Insurance companies may also offer discounts or promotions that can affect the final cost of your insurance plan.
Example Costs
To give you an idea of the costs involved, here is an example: assuming you have a car that is older than three years and you want to include add-ons for agency repairs and windshield cover, your annual insurance cost could be higher than the basic third-party insurance rate. The exact amount will depend on the insurance provider and your specific selections.
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Car insurance claims
Car insurance is a necessity in Bahrain, with a range of coverage options available to suit different requirements. The process of making a claim on your car insurance can be stressful, but many insurance companies in Bahrain offer a streamlined, hassle-free claims process.
Comprehensive Insurance
Comprehensive insurance covers accidental damage, third-party liability, and damage to your own vehicle. This includes loss or damage compensation to your vehicle and personal belongings, third-party liability against personal injury and property damage, and personal accident cover for the insured driver and their family members. Comprehensive insurance also typically includes roadside assistance and a replacement vehicle in the event of a claim.
Third-Party Insurance
Third-party insurance covers third-party liability for personal injury and property damage. This type of insurance is required for all drivers in Bahrain.
Claims Process
In the event of an accident or damage to your vehicle, you will need to contact your insurance company and provide them with the necessary information. Many companies offer 24/7 call centre support to guide you through the claims process. You may be able to register your claim online by uploading relevant documents such as your CPR, vehicle registration, driver's license, insurance, accident report, and photos.
Exceptions
It is important to note that insurance companies may not be liable to pay for certain types of damage or loss, such as consequential loss, depreciation, wear and tear, mechanical or electrical breakdowns, and damage to tyres unless damage is caused to other parts of the vehicle.
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Frequently asked questions
Car insurance is mandatory in Bahrain. Driving without insurance can result in penalties from the Traffic Directorate. Insurance also saves you from paying a large sum in the event of damage to other cars or injury to another driver.
There are two main types of car insurance available: comprehensive insurance and third-party insurance. Comprehensive insurance covers damage to your own vehicle as well as third-party liability, while third-party insurance only covers liability for third-party injuries and property damage.
Comprehensive car insurance typically covers loss or damage to your vehicle, including personal belongings. It also includes third-party liability coverage for personal injury and property damage. Some comprehensive plans may also offer additional benefits such as roadside assistance, natural calamity coverage, and personal accident cover for the insured driver and their family members.
The cost of car insurance varies depending on factors such as the make and model of your vehicle, your driving history, and the level of coverage you choose. Basic third-party insurance plans can start from as low as BD 53, while comprehensive plans tend to be more expensive. It's important to compare quotes from different insurance providers and choose a plan that suits your budget and coverage needs.
