Check Your Motor Insurance — UAE Fine Print
Upload your motor insurance policy. AI finds agency repair exclusions, depreciation traps, geographical limits, and driver restrictions in 30 seconds.
What TenderScan checks in your motor insurance:
What We Find
Critical fine print our AI flags in motor insurance policies
Agency Repair Exclusion
Comprehensive policies that only cover non-agency repairs after the first year. Your new car may be repaired with aftermarket parts instead of genuine manufacturer parts.
Geographical Limitations
Cover that stops at the UAE border. Driving to Oman, Saudi Arabia, or Bahrain without checking your policy could leave you completely uninsured for cross-border trips.
Depreciation on Total Loss
Market value depreciation applied aggressively on total loss claims. A 2-year-old car insured for AED 200,000 may only pay out AED 120,000 after depreciation deductions.
Windscreen & Tyre Exclusions
Comprehensive policies excluding windscreen cracks, tyre damage, and undercarriage impacts. These are the most common claims — and many policies exclude them or apply separate deductibles.
Driver Age Restrictions
Hidden clauses voiding cover if the driver is under 25 or over 65, or if an unnamed driver is behind the wheel. Your policy may not cover your spouse or adult children.
Personal Belongings Exclusion
No cover for items stolen from your vehicle during a break-in. Laptops, phones, and valuables left in the car are almost never covered under standard motor insurance.
Real Finding
We found “agency repair limited to first 12 months from registration date, non-agency thereafter” in 58% of comprehensive motor policies analysed. Most policyholders assume agency repair is included for the vehicle's lifetime.