Two experts: The insured is entitled to a replacement car or a cash allowance in advance

“Rent and get back after a month” .. the latest problems of the insured with insurance companies

Dealers are exposed to the term “benefit loss” and not benefiting from it.

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Dealers with insurance companies said: “They face problems in obtaining a replacement car to use during the period of repairing their cars, as stipulated in the unified insurance policy.”

And they explained, to "Emirates Today", that "whether the insured is (damaged or culprit), and he has an agreement with the insurance company to provide an alternative car, in both cases he is told that he will rent the car and bring the bills, and within a period of two weeks to a month, he can retrieve What did he pay?

And they indicated that insurance companies charge them for less than the usual amounts of car rental, and determine it according to the value of the car at the time of the accident and not according to its type. To ensure that there are no irregularities on the rental car.

In addition, two experts in the insurance sector said, “According to the clause (benefit loss allowance), stipulated in the insurance policy, the insured (the damaged) has the right to provide an alternative car during the period of repairing his car, and it was agreed through the Emirates Insurance Association, to put A table that determines the value of renting the alternative car, according to the value of the insured car, and almost all companies adhere to this custom.

extra amount

In detail, the customer, Amr Ali, said: “He has a comprehensive insurance policy, which includes a clause to provide a replacement car for a week, in the event of an accident, as the company received an additional amount for that, but when the accident occurred, he was informed that he had to rent a car and attend The bills, after which he will be given a check for the amount of the rental within a period of two weeks,” adding: “He objected and asked the company to provide the car in accordance with the document. To make sure that there are no violations,” he asked, “What is the use of the additional amount on the document that he paid?”

The dealer, Amal Muhammad, said: "Her car was in an accident while she was stopping in the parking lot designated for her, in front of her house, meaning that she was (damaged) in the police report, and when she resorted to the insurance company, they told her that she had to rent a car and bring the bills, and then a check for the amount could be received within a period of time. From 10 to 15 days.

She added, "The rental offices require a guarantee, tax, and a reservation of 2,000 dirhams in exchange for insurance for a period of no less than a month, to ensure that no violations are committed."

The dealer, Abdullah Salem, confirmed that the insurance company told him to rent a car and bring invoices, and indeed he rented a car similar to his car, according to the terms of the document, but the company told him that it pays according to the value of the car and not its type, according to the prevailing custom in the market, indicating that his car is from The “four-wheel drive” category, while the insurance company offered 70 dirhams per day, which made him wonder: “What car can currently be rented for 100 dirhams per day?”

Alternative car

For his part, Head of Accidents Department at Al Buhaira Insurance Company, Suleiman Dhaher, said that “according to the clause (in lieu of loss of benefit), stipulated in the insurance policy, the insured (the damaged) has the right to provide an alternative car during the period of repairing his car, and it was agreed through (Emirates Insurance Association) to develop a table that determines the value of renting an alternative car, according to the value of the insured car, and almost all companies adhere to this (custom),” noting that “in order to avoid conflict with the insured (injured) or who has a clause in his document that states: The alternative car, a cash allowance is provided for him to rent the car,” explaining that “companies do this, and others agree with a rental agency and provide the car to the insured,” stressing the entitlement of the insured to take a cash allowance before the rental and not after it.

Insurance document

For his part, the expert in the field of insurance, Issam Al-Maslamani, said that “according to the insurance policy, the insured has the right to obtain a replacement car, if he agreed with the company on this, or if he was (damaged), and the replacement car must be in the same The level of his car, but not to exceed 300 dirhams per day as a maximum.”

He added, "The insured is also entitled to take a (cash amount) for rent at the same value, if the insured company does not provide a car, so that he can rent the alternative car, before stopping his car for repair," noting that "many dealers are exposed to loss of benefit, as a result of negative practices." By some companies, in contravention of the provisions of the standard document.

• Companies pay less than the usual amount for car rental to customers, and determine them according to the value of the vehicle at the time of the accident and not according to its type.

• Demanding customers for a guarantee amount of 5000 dirhams for a period of one month, to ensure that there are no violations on the rented car.

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