{"id":23479,"date":"2023-01-05T09:55:23","date_gmt":"2023-01-05T05:55:23","guid":{"rendered":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/?p=23479"},"modified":"2026-08-24T11:25:23","modified_gmt":"2026-08-24T07:25:23","slug":"temporary-car-replacement-in-car-insurance","status":"publish","type":"post","link":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/","title":{"rendered":"Temporary Car Replacement in UAE: What It Covers &amp; Is It Worth It?"},"content":{"rendered":"\n<p>Temporary car replacement in the UAE provides car cover when your insured vehicle is being repaired after a covered accident. It is an optional add-on that provides a courtesy car to users with <a href=\"https:\/\/www.buyanyinsurance.ae\/en\/car-insurance\/comprehensive-car-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">selected comprehensive car insurance policies<\/a>.<\/p>\n\n\n\n<p>If your car is damaged in a road accident and your comprehensive car insurance includes a replacement vehicle, you can rest assured and won&#8217;t need to worry about your commute.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"640\" src=\"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_2248472463-1024x640.jpg\" alt=\"Damaged car to a replacement car insurance\" class=\"wp-image-55956\" style=\"width:800px\" srcset=\"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_2248472463-1024x640.jpg 1024w, https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_2248472463-300x188.jpg 300w, https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_2248472463-768x480.jpg 768w, https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_2248472463-1536x960.jpg 1536w, https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_2248472463-2048x1280.jpg 2048w, https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_2248472463-528x330.jpg 528w, https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_2248472463-1056x660.jpg 1056w, https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_2248472463-820x513.jpg 820w, https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_2248472463-1240x775.jpg 1240w, https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_2248472463-1920x1200.jpg 1920w, https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_2248472463-scaled.jpg 2560w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-temporary-car-replacement-in-uae-car-insurance-at-a-glance\">Temporary Car Replacement in UAE Car Insurance at a Glance<\/h2>\n\n\n\n<p>Before exploring how temporary car replacement works, it is helpful to understand the key facts. <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Not every UAE car insurance policy includes a car replacement benefit<\/li>\n\n\n\n<li>The duration of cover varies between insurers<\/li>\n\n\n\n<li>The type of replacement vehicle you receive depends on your policy terms.<\/li>\n<\/ul>\n\n\n\n<p>The table below answers the most common questions at a glance.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes has-small-font-size\"><table class=\"has-background has-fixed-layout\" style=\"background-color:#8ed1fc\"><thead><tr><th>Question<\/th><th>Quick Answer<\/th><\/tr><\/thead><tbody><tr><td>What is Temporary Car Replacement?<\/td><td>A replacement car provided to you for your accepted insurance claim.<\/td><\/tr><tr><td>Is it included in every policy?<\/td><td>No, it depends on the insurer and policy.<\/td><\/tr><tr><td>Is it available with Third-Party Insurance?<\/td><td>Not as a policy benefit.<\/td><\/tr><tr><td><strong>When can I use it?<\/strong><\/td><td>Typically after a covered accident claim while your vehicle is being repaired.<\/td><\/tr><tr><td>How long do you get a replacement car?<\/td><td>Depends on your policy and repair duration.<\/td><\/tr><tr><td>What type of car will you receive?<\/td><td>Usually a similar or economy-class vehicle, subject to availability.<\/td><\/tr><tr><td>Is there an extra cost?<\/td><td>Often yes, unless it&#8217;s already included in your policy.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Temporary car replacement is not a standard feature across all UAE car insurance policies. Understanding the differences can help you compare policies more effectively before making a purchase.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--37\"><a class=\"wp-block-button__link has-background wp-element-button\" style=\"background-color:#42b72a\">Compare Car Insurance Policies  <\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-temporary-car-replacement-work\">How Does Temporary Car Replacement Work?<\/h2>\n\n\n\n<p>Follow these steps to understand how a temporary replacement car works.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step1-document-the-incident\">Step1: Document the Incident<\/h3>\n\n\n\n<p>You have to take photos of the damaged car and send them to the local police and file a report.<\/p>\n\n\n\n<p>For detailed steps, consider reading our <a href=\"https:\/\/www.buyanyinsurance.ae\/blog\/en\/car-insurance-claim\/\" target=\"_blank\" rel=\"noreferrer noopener\">guide for filing a car insurance claim in the UAE<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-2-contact-your-insurance-provider-to-verify-coverage\">Step 2: Contact Your Insurance Provider to Verify Coverage<\/h3>\n\n\n\n<p>You have to send the details of the incident to your insurance and ask for assistance if your policy provides a courtesy car.<\/p>\n\n\n\n<p>In most cases, you have to use only insurance-approved garages for repairs; this automatically brings you to the rental car companies, which allow you to provide a replacement car per your policy.<\/p>\n\n\n\n<p>You will get an authorization code from your insurance and will need to use it to get the rental car, which may be picked up by you or delivered at your doorstep.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--38\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.buyanyinsurance.ae\/en\/car-insurance\" style=\"background-color:#42b72a\" target=\"_blank\" rel=\"noreferrer noopener\">Contact Your Insurance Provider <\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-3-inspect-and-drive-the-replacement-car\">Step 3: Inspect and Drive the Replacement Car<\/h3>\n\n\n\n<p>Once you get the replacement car, you need to inspect it for scratches and do mention them in the rental agreement before you drive.<\/p>\n\n\n\n<p>Ensure your insurance policy covers the temporary car insurance for this replacement vehicle.<\/p>\n\n\n\n<p>You will certainly have to pay a standard deposit, which might be refunded.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_1219737502-1024x683.jpg\" alt=\"Your car is broken and insurance checks for claim compensation.\" class=\"wp-image-55959\" style=\"object-fit:cover\" srcset=\"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_1219737502-1024x683.jpg 1024w, https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_1219737502-300x200.jpg 300w, https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_1219737502-768x512.jpg 768w, https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_1219737502-1536x1024.jpg 1536w, https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_1219737502-2048x1365.jpg 2048w, https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_1219737502-528x352.jpg 528w, https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_1219737502-1056x704.jpg 1056w, https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_1219737502-820x547.jpg 820w, https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_1219737502-1240x827.jpg 1240w, https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_1219737502-1920x1280.jpg 1920w, https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/shutterstock_1219737502-scaled.jpg 2560w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-4-return-the-vehicle\">Step 4: Return the Vehicle<\/h3>\n\n\n\n<p>Once your own car is up and running, you have to return the courtesy car to your insurer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-should-you-add-temporary-car-replacement-to-your-car-insurance\">Should You Add Temporary Car Replacement to Your Car Insurance?<\/h2>\n\n\n\n<p>If your car breaks down in an accident, repairs can take weeks. <\/p>\n\n\n\n<p>Car insurance companies offer a temporary car replacement as an optional add-on on some comprehensive policies. It provides a replacement vehicle while your insured car is at repairs after a covered accident, subject to your policy terms.<\/p>\n\n\n\n<p>To determine if this coverage is worth the extra premium, evaluate your daily driving habits, household vehicle count, and budget.<\/p>\n\n\n\n<p>Review the breakdown below to see where your lifestyle fits:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes has-small-font-size\"><table class=\"has-background has-fixed-layout\" style=\"background-color:#8ed1fc\"><thead><tr><th>Household Cars<\/th><th>Weekly Driving<\/th><th>Public Transit Access<\/th><th>Recommended Level<\/th><th>Action Plan<\/th><\/tr><\/thead><tbody><tr><td><strong>1 Car<\/strong><\/td><td>5+ Days<\/td><td>No<\/td><td><strong>Highly Recommended<\/strong><\/td><td>Buy the add-on to avoid sudden, major out-of-pocket rental costs.<\/td><\/tr><tr><td><strong>1 Car<\/strong><\/td><td>3-4 Days<\/td><td>Yes<\/td><td><strong>Recommended<\/strong><\/td><td>Buy for convenience and to avoid long, exhausting transit commutes.<\/td><\/tr><tr><td><strong>2+ Cars<\/strong><\/td><td>3-4 Days<\/td><td>Yes \/ No<\/td><td><strong>Optional<\/strong><\/td><td>Consider it only if both household cars are needed simultaneously every day.<\/td><\/tr><tr><td><strong>2+ Cars<\/strong><\/td><td>1-2 Days<\/td><td>Yes<\/td><td><strong>Probably Not Necessary<\/strong><\/td><td>Skip the add-on. You can easily rely on your secondary vehicle or transit.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"car-widget-container\">\n    <h2 class=\"widget-title\">Should You Buy Temporary Car Replacement?<\/h2>\n    \n    <!-- SECTION 1: CALCULATOR -->\n    <div class=\"widget-section\">\n        <h3 class=\"section-title\">\ud83d\udcca Rental Cost Calculator<\/h3>\n        <div class=\"input-grid\">\n            <div class=\"input-group\">\n                <label for=\"repairDays\">Estimated Repair Days:<\/label>\n                <input type=\"number\" id=\"repairDays\" value=\"14\" min=\"1\" oninput=\"calculateCosts()\">\n            <\/div>\n            <div class=\"input-group\">\n                <label for=\"dailyCost\">Daily Rental Cost (AED):<\/label>\n                <input type=\"number\" id=\"dailyCost\" value=\"150\" min=\"1\" oninput=\"calculateCosts()\">\n            <\/div>\n        <\/div>\n        \n        <div class=\"results-table\">\n            <div class=\"result-row header-row\">\n                <div>Scenario<\/div>\n                <div>Cost<\/div>\n            <\/div>\n            <div class=\"result-row\">\n                <div><strong>Without Add-on<\/strong> (Out of Pocket)<\/div>\n                <div id=\"costWithout\" class=\"cost-danger\">AED 2,100<\/div>\n            <\/div>\n            <div class=\"result-row\">\n                <div><strong>With Add-on<\/strong> (In Policy)<\/div>\n                <div class=\"cost-success\">Included in Policy<\/div>\n            <\/div>\n            <div class=\"result-row total-savings-row\">\n                <div><strong>Your Total Savings<\/strong><\/div>\n                <div id=\"potentialSavings\" class=\"cost-success\">AED 2,100<\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <!-- SECTION 2: QUIZ -->\n    <div class=\"widget-section\" style=\"margin-top: 25px;\">\n        <h3 class=\"section-title\">\u2753 Assessment Quiz<\/h3>\n        \n        <div class=\"quiz-group\">\n            <label>1. How many days per week do you drive?<\/label>\n            <select id=\"q1\" onchange=\"evaluateQuiz()\">\n                <option value=\"5\">5+ days per week<\/option>\n                <option value=\"3\">3\u20134 days per week<\/option>\n                <option value=\"1\">1\u20132 days per week<\/option>\n            <\/select>\n        <\/div>\n\n        <div class=\"quiz-group\">\n            <label>2. How many cars does your family own?<\/label>\n            <select id=\"q2\" onchange=\"evaluateQuiz()\">\n                <option value=\"1\">1 car<\/option>\n                <option value=\"2\">2 or more cars<\/option>\n            <\/select>\n        <\/div>\n\n        <div class=\"quiz-group\">\n            <label>3. Do you commute to work?<\/label>\n            <select id=\"q3\" onchange=\"evaluateQuiz()\">\n                <option value=\"yes\">Yes, regularly<\/option>\n                <option value=\"no\">No \/ Work from home<\/option>\n            <\/select>\n        <\/div>\n\n        <div class=\"quiz-group\">\n            <label>4. Could you realistically use public transport?<\/label>\n            <select id=\"q4\" onchange=\"evaluateQuiz()\">\n                <option value=\"no\">No, it is unavailable or impractical<\/option>\n                <option value=\"yes\">Yes, it is a viable backup<\/option>\n            <\/select>\n        <\/div>\n\n        <div class=\"quiz-group\">\n            <label>5. Would renting a car for two weeks affect your budget?<\/label>\n            <select id=\"q5\" onchange=\"evaluateQuiz()\">\n                <option value=\"yes\">Yes, a sudden expense hurts<\/option>\n                <option value=\"no\">No, I can comfortably self-insure<\/option>\n            <\/select>\n        <\/div>\n\n        <div class=\"verdict-box\" id=\"verdictOutput\">\n            Our Recommendation: <strong id=\"verdictLevel\" class=\"level-high\">Highly Recommended<\/strong>\n            <p id=\"verdictText\">Buy the add-on to avoid sudden, major disruptions to your daily routine.<\/p>\n        <\/div>\n    <\/div>\n<\/div>\n\n<style>\n.car-widget-container {\n    font-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, Helvetica, Arial, sans-serif;\n    max-width: 600px;\n    margin: 20px auto;\n    padding: 25px;\n    border: 1px solid #e2e8f0;\n    border-radius: 12px;\n    background-color: #ffffff;\n    box-shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1);\n}\n.widget-title {\n    text-align: center;\n    color: #1a202c;\n    margin-bottom: 25px;\n    font-size: 22px;\n    font-weight: 700;\n}\n.widget-section {\n    background: #f8fafc;\n    padding: 20px;\n    border-radius: 8px;\n    border: 1px solid #edf2f7;\n}\n.section-title {\n    margin-top: 0;\n    color: #2d3748;\n    font-size: 18px;\n    margin-bottom: 15px;\n}\n.input-grid {\n    display: grid;\n    grid-template-columns: 1fr 1fr;\n    gap: 15px;\n    margin-bottom: 20px;\n}\n.input-group, .quiz-group {\n    display: flex;\n    flex-direction: column;\n    margin-bottom: 15px;\n}\n.input-group label, .quiz-group label {\n    font-size: 14px;\n    font-weight: 600;\n    color: #4a5568;\n    margin-bottom: 6px;\n}\n.input-group input, .quiz-group select {\n    padding: 10px;\n    border: 1px solid #cbd5e0;\n    border-radius: 6px;\n    font-size: 15px;\n}\n.results-table {\n    background: #ffffff;\n    border-radius: 6px;\n    border: 1px solid #e2e8f0;\n    overflow: hidden;\n}\n.result-row {\n    display: grid;\n    grid-template-columns: 1fr auto;\n    padding: 12px 15px;\n    border-bottom: 1px solid #edf2f7;\n    font-size: 14px;\n}\n.header-row {\n    background: #edf2f7;\n    font-weight: bold;\n    color: #4a5568;\n}\n.total-savings-row {\n    background: #f0fdf4;\n    font-size: 16px;\n    border-bottom: none;\n}\n.cost-danger { color: #e53e3e; font-weight: bold; }\n.cost-success { color: #38a169; font-weight: bold; }\n.verdict-box {\n    margin-top: 20px;\n    padding: 15px;\n    border-radius: 6px;\n    background: #ebf8ff;\n    border-left: 4px solid #3182ce;\n    font-size: 16px;\n}\n.verdict-box p { margin: 5px 0 0 0; font-size: 14px; color: #4a5568;}\n.level-high { color: #e53e3e; }\n.level-mod { color: #dd6b20; }\n.level-opt { color: #3182ce; }\n.level-low { color: #718096; }\n<\/style>\n\n<script>\nfunction calculateCosts() {\n    const days = parseFloat(document.getElementById('repairDays').value) || 0;\n    const rate = parseFloat(document.getElementById('dailyCost').value) || 0;\n    const total = days * rate;\n    \n    const formattedTotal = 'AED ' + total.toLocaleString();\n    document.getElementById('costWithout').innerText = formattedTotal;\n    document.getElementById('potentialSavings').innerText = formattedTotal;\n}\n\nfunction evaluateQuiz() {\n    const q1 = document.getElementById('q1').value;\n    const q2 = document.getElementById('q2').value;\n    const q3 = document.getElementById('q3').value;\n    const q4 = document.getElementById('q4').value;\n    const q5 = document.getElementById('q5').value;\n    \n    const label = document.getElementById('verdictLevel');\n    const text = document.getElementById('verdictText');\n    const box = document.getElementById('verdictOutput');\n    \n    \/\/ Logic Rules\n    if (q2 === \"1\" && q1 === \"5\" && q4 === \"no\") {\n        label.innerText = \"Highly Recommended\";\n        label.className = \"level-high\";\n        box.style.borderLeftColor = \"#e53e3e\";\n        box.style.background = \"#fff5f5\";\n        text.innerText = \"Buy the add-on to avoid sudden, major disruptions to your daily routine.\";\n    } else if (q2 === \"1\" || (q3 === \"yes\" && q4 === \"no\")) {\n        label.innerText = \"Recommended\";\n        label.className = \"level-mod\";\n        box.style.borderLeftColor = \"#dd6b20\";\n        box.style.background = \"#fffaf0\";\n        text.innerText = \"Highly beneficial. Your schedule has strict dependencies and lacks easy transit alternatives.\";\n    } else if (q2 === \"2\" && q1 === \"3\") {\n        label.innerText = \"Optional\";\n        label.className = \"level-opt\";\n        box.style.borderLeftColor = \"#3182ce\";\n        box.style.background = \"#ebf8ff\";\n        text.innerText = \"Consider this option only if both vehicles in your house are always in use at the same time.\";\n    } else {\n        label.innerText = \"Probably Not Necessary\";\n        label.className = \"level-low\";\n        box.style.borderLeftColor = \"#718096\";\n        box.style.background = \"#f7fafc\";\n        text.innerText = \"You can likely save your money and skip this add-on by relying on secondary cars or transit.\";\n    }\n}\n\/\/ Run calculations on startup\ncalculateCosts();\n<\/script>\n\n\n\n<p>If there is still some confusion, consider reading the <a href=\"https:\/\/www.buyanyinsurance.ae\/blog\/en\/car-insurance-claim-dos-and-donts-in-the-uae\/\" target=\"_blank\" rel=\"noreferrer noopener\">do&#8217;s and don&#8217;ts of car insurance claims in the UAE<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-does-car-insurance-cover-a-temporary-replacement-vehicle\">When Does Car Insurance Cover a Temporary Replacement Vehicle?<\/h2>\n\n\n\n<p>There is no guarantee that you will get a temporary replacement vehicle, even if your car insurance policy includes this add-on.<\/p>\n\n\n\n<p>There are situations when your insurance coverage covers a replacement vehicle, and others when it does not.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes has-small-font-size\"><table class=\"has-background has-fixed-layout\" style=\"background-color:#8ed1fc\"><thead><tr><th><strong>Usually Covered<\/strong><\/th><th><strong>Usually Not Covered<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Repairs after a covered road accident<\/td><td>Routine servicing or scheduled maintenance<\/td><\/tr><tr><td>Claims approved by your insurer<\/td><td>Mechanical or electrical breakdowns (unless separately covered)<\/td><\/tr><tr><td>Repairs carried out at an approved garage (where required by the policy)<\/td><td>Wear and tear or ageing parts<\/td><\/tr><tr><td>Policies that include Temporary Car Replacement as a standard feature or add-on<\/td><td>Claims rejected due to policy exclusions or invalid claims<\/td><\/tr><tr><td>Repair period covered under your policy<\/td><td>Repairs carried out outside your insurer&#8217;s approved network (if required by the policy)<\/td><\/tr><tr><td>Eligible comprehensive car insurance claims<\/td><td>Damage excluded under your policy<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-is-temporary-car-replacement-included-in-every-uae-car-insurance-policy\">Is Temporary Car Replacement Included in Every UAE Car Insurance Policy?<\/h3>\n\n\n\n<p>No, temporary car is not available with every car insurance policy in the UAE. It is included as an add-on in a comprehensive car insurance policy because a comprehensive claim provides repair costs that happen to your own vehicle as well.<\/p>\n\n\n\n<p>Normally, a third-party liability(TPL) does not include a car replacement as a benefit; however, drivers who were not at fault and have only third-party insurance can get a replacement car or loss-of-use compensation as compensation from the at-fault driver&#8217;s comprehensive insurance. <\/p>\n\n\n\n<p>See the table to understand.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes has-small-font-size\"><table class=\"has-background has-fixed-layout\" style=\"background-color:#8ed1fc\"><thead><tr><th>Feature<\/th><th>Comprehensive Car Insurance<\/th><th>Third-Party Car Insurance<\/th><\/tr><\/thead><tbody><tr><td>Covers damage to your own vehicle<\/td><td>\u2705 Usually<\/td><td>\u274c No<\/td><\/tr><tr><td>Temporary Car Replacement<\/td><td>\u2705 May be included or available as an add-on<\/td><td>\u274c Usually not available<\/td><\/tr><tr><td>Optional add-ons<\/td><td>\u2705 More options<\/td><td>\u26a0\ufe0f Limited options<\/td><\/tr><tr><td>Best suited for<\/td><td>Drivers seeking broader protection<\/td><td>Drivers seeking basic legal cover<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Since not all comprehensive car insurance policies include a replacement car, you need to check before buying whether it is an add-on, an added benefit, or not provided at all.<\/p>\n\n\n\n<p>If you wish to have a car replacement cover plan in your comprehensive insurance, you must ask the following questions of your insurer.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Is temporary car replacement a part of the policy or optional?<\/li>\n\n\n\n<li>How many days is the replacement vehicle provided?<\/li>\n\n\n\n<li>Are there restrictions on the type of replacement car? <\/li>\n\n\n\n<li>Do repairs have to be completed at an approved garage?<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-pays-for-the-replacement-vehicle\">Who Pays for the Replacement Vehicle?<\/h2>\n\n\n\n<p>There is no black-and-white rule for who pays for the replacement vehicle because it is situation-dependent. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-if-you-caused-the-accident\">If You Caused the Accident<\/h3>\n\n\n\n<p>Your insurer may provide a replacement vehicle if your policy includes Temporary Car Replacement and your claim gets approval. Without this benefit, you may need to pay rental costs yourself.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-in-case-other-driver-was-at-fault\">In Case Other Driver Was at Fault<\/h3>\n\n\n\n<p>If another driver is responsible for the accident, the at-fault driver&#8217;s insurer is generally responsible for providing the replacement vehicle or loss-of-use compensation. <\/p>\n\n\n\n<p>If you also have comprehensive insurance, your own insurer may arrange the benefit first and later recover the amount from the at-fault insurer, depending on the claim process.<\/p>\n\n\n\n<p>Example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ahmed has TPL.<\/li>\n\n\n\n<li>Fatima crashes into Ahmed.<\/li>\n\n\n\n<li>Fatima is at fault.<\/li>\n<\/ul>\n\n\n\n<p>Ahmed may still receive loss-of-use compensation because <strong>Fatima&#8217;s insurer pays<\/strong>, not because Ahmed&#8217;s TPL policy includes courtesy-car cover.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-if-your-claim-is-rejected\">If Your Claim Is Rejected<\/h3>\n\n\n\n<p>You may not receive a replacement vehicle because the benefit usually applies only to a covered accident.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-repairs-take-longer-than-expected\">Repairs Take Longer Than Expected<\/h3>\n\n\n\n<p>Your replacement vehicle coverage usually depends on the maximum days and limits mentioned in your policy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-does-uae-law-say-about-temporary-car-replacement\"><br><strong>What Does UAE Law Say About Temporary Car Replacement?<\/strong><\/h2>\n\n\n\n<p>Under the UAE Unified Motor Insurance Policy, if you are the <strong>non-fault owner of a private vehicle<\/strong>, you may be entitled to either:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A similar replacement vehicle while your car is being repaired, or<\/li>\n\n\n\n<li>Compensation for the loss of use of your vehicle.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-is-the-compensation-for-replacement-car-calculated\">How Is The Compensation For Replacement Car Calculated?<\/h3>\n\n\n\n<p>The insurer calculates the compensation based on the market rental cost of a similar vehicle, subject to a maximum of <strong>AED 300 per day<\/strong> for up to <strong>10 days<\/strong>.<\/p>\n\n\n\n<p>The replacement vehicle or compensation becomes applicable from the date you submit the accident report, vehicle registration, and damaged vehicle to the insurer or its approved repair workshop, provided all policy conditions have been met.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-type-of-replacement-car-will-you-get\">What Type of Replacement Car Will You Get?<\/h2>\n\n\n\n<p>Often, people want to know whether they will get a replacement vehicle similar to theirs, an economy car, or a luxury car. <\/p>\n\n\n\n<p>That totally depends on your policy and the replacement car rules you and your insurance provider agreed upon.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-long-can-you-keep-the-replacement-car\">How Long Can You Keep the Replacement Car?<\/h2>\n\n\n\n<p>The length of time you can keep the replacement vehicle aligns with your policy.<\/p>\n\n\n\n<p>Sometimes it is a set number of days, so after that you have to pay for each additional day, while in other situations you get the replacement vehicle as long as the repair lasts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-temporary-car-replacement-worth-buying\">Is Temporary Car Replacement Worth Buying?<\/h2>\n\n\n\n<p>It is totally situation-dependent. <\/p>\n\n\n\n<p>If you have another car, you may not need a replacement cover; or you can use public transport, so you may not get a temporary replacement car.<\/p>\n\n\n\n<p>The table lets you decide if temporary vehicle replacement is worth buying in your case.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes has-small-font-size\"><table class=\"has-background has-fixed-layout\" style=\"background-color:#8ed1fc\"><thead><tr><th>Consider buying if<\/th><th>You may not need it if<\/th><\/tr><\/thead><tbody><tr><td>You rely on one car daily<\/td><td>You have a second vehicle<\/td><\/tr><tr><td>You commute regularly<\/td><td>You rarely drive<\/td><\/tr><tr><td>You cannot easily use public transport<\/td><td>You can arrange transport easily<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--39\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.buyanyinsurance.ae\/en\/car-insurance\" style=\"background-color:#42b72a\" target=\"_blank\" rel=\"noreferrer noopener\">Compare Policies To Add Temporary Car Vehicle<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-to-do-if-your-insurer-refuses-to-provide-a-replacement-vehicle\">What to Do If Your Insurer Refuses to Provide a Replacement Vehicle<\/h3>\n\n\n\n<p>If your insurance provider does not provide a replacement vehicle, you can follow your insurer&#8217;s complaint process and seek guidance from Sanadak (UAE insurance authority).<\/p>\n\n\n\n<p>You may want to read more on <a href=\"https:\/\/www.buyanyinsurance.ae\/blog\/en\/7-errors-that-cancel-claims-on-car-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">7 errors that can invalidate your car insurance claims<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faq\">FAQ<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1785672173534\"><strong class=\"schema-faq-question\">Does comprehensive car insurance automatically include a replacement car in the UAE?<\/strong> <p class=\"schema-faq-answer\">Comprehensive car insurance does not include a replacement car for each comprehensive insurance policy; some insurers include it as an add-on, others add it as an added benefit, and some do not include it at all.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785672382067\"><strong class=\"schema-faq-question\">Can I get a replacement car if my car is damaged but still drivable?<\/strong> <p class=\"schema-faq-answer\">You will get a replacement car if it is approved by your insurance. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785690356462\"><strong class=\"schema-faq-question\">Do I get a replacement car immediately after an accident?<\/strong> <p class=\"schema-faq-answer\">Getting a replacement car after an accident completely depends on your insurance and the claim approval.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785690593956\"><strong class=\"schema-faq-question\">Does temporary car replacement cover mechanical or generic car breakdowns in UAE?<\/strong> <p class=\"schema-faq-answer\">No, temporary replacement cover does not cover any mechanical or generic breakdowns. It only provides a replacement car after an accident.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785690832571\"><strong class=\"schema-faq-question\">Does temporary car replacement cover vehicle servicing?<\/strong> <p class=\"schema-faq-answer\">No, you do not get a courtesy car for general maintenance or servicing.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785690999131\"><strong class=\"schema-faq-question\">What happens if the repair garage delays my car?<\/strong> <p class=\"schema-faq-answer\">The provision of a replacement car is dependent on insurance approval, so if the garage delays your car repair, the insurance may terminate your courtesy car, and you have to pay the rental for the delays yourself. In case the garage is insurance-approved, there may be chances of getting further replacement for garage delays.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785691490759\"><strong class=\"schema-faq-question\">Do I need to pay a security deposit for a replacement car?<\/strong> <p class=\"schema-faq-answer\">Typically, you have to pay a security deposit for a courtesy car along with your identity documents.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785691885557\"><strong class=\"schema-faq-question\">Does a replacement car have insurance coverage?<\/strong> <p class=\"schema-faq-answer\">Yes, the car you get as a replacement has insurance coverage.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785692478542\"><strong class=\"schema-faq-question\">Can I add temporary car replacement after an accident?<\/strong> <p class=\"schema-faq-answer\">No, you can not add a temporary replacement vehicle feature after facing an accident. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785692557478\"><strong class=\"schema-faq-question\"><strong>Is a replacement vehicle available with Third-Party Insurance?<\/strong><\/strong> <p class=\"schema-faq-answer\">Typically it is not covered as a policy benefit. However, if another driver is responsible for the accident, you may still be entitled to a replacement vehicle or loss-of-use compensation under the UAE Unified Motor Insurance Policy, depending on the circumstances.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785692683822\"><strong class=\"schema-faq-question\">Can I use the replacement vehicle outside Dubai\/UAE?<\/strong> <p class=\"schema-faq-answer\">You can use the courtesy car within the Emirates, like traveling within the UAE, from emirate to emirate, but crossing the UAE to neighboring countries is totally dependent on your insurance coverage.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785692784618\"><strong class=\"schema-faq-question\">What happens if I return the replacement car late?<\/strong> <p class=\"schema-faq-answer\">If you return the car later than the agreed period, per-day charges must apply.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785869540991\"><strong class=\"schema-faq-question\">Can I upgrade my replacement vehicle?<\/strong> <p class=\"schema-faq-answer\">Yes, you can upgrade the replacement vehicle you get, but the cost difference will be your liability. You have to pay it out of your own pocket.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785871129976\"><strong class=\"schema-faq-question\"><strong>Can I get a replacement car if my vehicle is declared a total loss?<\/strong><\/strong> <p class=\"schema-faq-answer\">No, if the vehicle is a total loss, the insurance provider is no longer obligated to pay you a compensatory vehicle because when the car is a total loss, there are no repairs. <\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\"><\/h3>\n","protected":false},"excerpt":{"rendered":"Temporary car replacement in the UAE provides car cover when your insured vehicle is being repaired after a&hellip;","protected":false},"author":37,"featured_media":56158,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_acf_changed":false,"csco_display_header_overlay":false,"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"csco_post_video_bg_volume":false,"footnotes":""},"categories":[296],"tags":[],"class_list":{"0":"post-23479","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-car","8":"cs-entry","9":"cs-video-wrap"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.5 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Temporary Car Replacement in UAE: Is It Worth It?<\/title>\n<meta name=\"description\" content=\"Not every UAE car insurance policy includes a replacement car. Here&#039;s what&#039;s covered, how long you get one, and how to check before you buy.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Temporary Car Replacement in UAE: What It Covers &amp; Is It Worth It?\" \/>\n<meta property=\"og:description\" content=\"Not every UAE car insurance policy includes a replacement car. Here&#039;s what&#039;s covered, how long you get one, and how to check before you buy.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Insurance Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/BuyAnyInsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-01-05T05:55:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-24T07:25:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/wp-content\/uploads\/2023\/01\/Gemini_Generated_Image_atmx3uatmx3uatmx.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1333\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Beenish Razzaq\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@buyanyinsurance\" \/>\n<meta name=\"twitter:site\" content=\"@buyanyinsurance\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Beenish Razzaq\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\\\/en\\\/temporary-car-replacement-in-car-insurance\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\\\/en\\\/temporary-car-replacement-in-car-insurance\\\/\"},\"author\":{\"name\":\"Beenish Razzaq\",\"@id\":\"https:\\\/\\\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\\\/en\\\/#\\\/schema\\\/person\\\/5eca50c8caa579e8c8e447913e6a7e92\"},\"headline\":\"Temporary Car Replacement in UAE: What It Covers &amp; Is It Worth It?\",\"datePublished\":\"2023-01-05T05:55:23+00:00\",\"dateModified\":\"2026-08-24T07:25:23+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\\\/en\\\/temporary-car-replacement-in-car-insurance\\\/\"},\"wordCount\":2270,\"commentCount\":12,\"publisher\":{\"@id\":\"https:\\\/\\\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\\\/en\\\/temporary-car-replacement-in-car-insurance\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\\\/wp-content\\\/uploads\\\/2023\\\/01\\\/Gemini_Generated_Image_atmx3uatmx3uatmx.jpeg\",\"articleSection\":[\"Car\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\\\/en\\\/temporary-car-replacement-in-car-insurance\\\/#respond\"]}]},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\\\/en\\\/temporary-car-replacement-in-car-insurance\\\/\",\"url\":\"https:\\\/\\\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\\\/en\\\/temporary-car-replacement-in-car-insurance\\\/\",\"name\":\"Temporary Car Replacement in UAE: Is It Worth It?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\\\/en\\\/temporary-car-replacement-in-car-insurance\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\\\/en\\\/temporary-car-replacement-in-car-insurance\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\\\/wp-content\\\/uploads\\\/2023\\\/01\\\/Gemini_Generated_Image_atmx3uatmx3uatmx.jpeg\",\"datePublished\":\"2023-01-05T05:55:23+00:00\",\"dateModified\":\"2026-08-24T07:25:23+00:00\",\"description\":\"Not every UAE car insurance policy includes a replacement car. 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some insurers include it as an add-on, others add it as an added benefit, and some do not include it at all.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\\\/en\\\/temporary-car-replacement-in-car-insurance\\\/#faq-question-1785672382067\",\"position\":2,\"url\":\"https:\\\/\\\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\\\/en\\\/temporary-car-replacement-in-car-insurance\\\/#faq-question-1785672382067\",\"name\":\"Can I get a replacement car if my car is damaged but still drivable?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You will get a replacement car if it is approved by your insurance. \",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\\\/en\\\/temporary-car-replacement-in-car-insurance\\\/#faq-question-1785690356462\",\"position\":3,\"url\":\"https:\\\/\\\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\\\/en\\\/temporary-car-replacement-in-car-insurance\\\/#faq-question-1785690356462\",\"name\":\"Do I get a replacement car immediately after an accident?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Getting a replacement car after an accident completely depends on your insurance and the claim approval.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\\\/en\\\/temporary-car-replacement-in-car-insurance\\\/#faq-question-1785690593956\",\"position\":4,\"url\":\"https:\\\/\\\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\\\/en\\\/temporary-car-replacement-in-car-insurance\\\/#faq-question-1785690593956\",\"name\":\"Does temporary car replacement cover mechanical or generic car breakdowns in UAE?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No, temporary replacement cover does not cover any mechanical or generic breakdowns. 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some insurers include it as an add-on, others add it as an added benefit, and some do not include it at all.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785672382067","position":2,"url":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785672382067","name":"Can I get a replacement car if my car is damaged but still drivable?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"You will get a replacement car if it is approved by your insurance. ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785690356462","position":3,"url":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785690356462","name":"Do I get a replacement car immediately after an accident?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Getting a replacement car after an accident completely depends on your insurance and the claim approval.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785690593956","position":4,"url":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785690593956","name":"Does temporary car replacement cover mechanical or generic car breakdowns in UAE?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No, temporary replacement cover does not cover any mechanical or generic breakdowns. It only provides a replacement car after an accident.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785690832571","position":5,"url":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785690832571","name":"Does temporary car replacement cover vehicle servicing?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No, you do not get a courtesy car for general maintenance or servicing.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785690999131","position":6,"url":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785690999131","name":"What happens if the repair garage delays my car?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The provision of a replacement car is dependent on insurance approval, so if the garage delays your car repair, the insurance may terminate your courtesy car, and you have to pay the rental for the delays yourself. In case the garage is insurance-approved, there may be chances of getting further replacement for garage delays.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785691490759","position":7,"url":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785691490759","name":"Do I need to pay a security deposit for a replacement car?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Typically, you have to pay a security deposit for a courtesy car along with your identity documents.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785691885557","position":8,"url":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785691885557","name":"Does a replacement car have insurance coverage?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes, the car you get as a replacement has insurance coverage.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785692478542","position":9,"url":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785692478542","name":"Can I add temporary car replacement after an accident?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No, you can not add a temporary replacement vehicle feature after facing an accident. ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785692557478","position":10,"url":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785692557478","name":"Is a replacement vehicle available with Third-Party Insurance?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Typically it is not covered as a policy benefit. However, if another driver is responsible for the accident, you may still be entitled to a replacement vehicle or loss-of-use compensation under the UAE Unified Motor Insurance Policy, depending on the circumstances.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785692683822","position":11,"url":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785692683822","name":"Can I use the replacement vehicle outside Dubai\/UAE?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"You can use the courtesy car within the Emirates, like traveling within the UAE, from emirate to emirate, but crossing the UAE to neighboring countries is totally dependent on your insurance coverage.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785692784618","position":12,"url":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785692784618","name":"What happens if I return the replacement car late?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"If you return the car later than the agreed period, per-day charges must apply.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785869540991","position":13,"url":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785869540991","name":"Can I upgrade my replacement vehicle?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes, you can upgrade the replacement vehicle you get, but the cost difference will be your liability. You have to pay it out of your own pocket.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785871129976","position":14,"url":"https:\/\/buyanyinsurance-blog-13c9e88.ingress-baronn.ewp.live\/en\/temporary-car-replacement-in-car-insurance\/#faq-question-1785871129976","name":"Can I get a replacement car if my vehicle is declared a total loss?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No, if the vehicle is a total loss, the insurance provider is no longer obligated to pay you a compensatory vehicle because when the car is a total loss, there are no repairs. 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