UAE: Do I have to pay ‘excess charge’ to insurance company if someone hits my car while parked?
In the Emirates, all vehicles need to have at least third-party insurance coverage, if not a comprehensive one
Based on the aforementioned provisions of law, it is assumed that your insurance company is calling upon you to bear additional charges (premium) on your insurance as your car is covered by third-party liability insurance. Therefore, as your car is damaged by some vehicle while your car was parked in a parking area, then in such cases insurance coverage insurance cover should cover such damages.
This is in accordance with clause 29(b) of the Standard Conditions related to Unified Motor Vehicle Insurance Policy Against Loss and Damage, which states, “The Company and the Insured may agree, using riders in return for an additional premium and within the scope of the terms and conditions herein, that the Company shall insure against the other damages not provided for in this Policy in particular “coverage of the damages or risks which occur outside the roads”.
However, if your car is covered by comprehensive insurance cover and it covers insurance for damages caused for incidents outside the roads, then you may file a complaint against the insurance company with the Insurance Authority of UAE and settle the matter amicably with the insurance company.
If the insurance company does not agree to settle, then you may approach a court in the UAE which has jurisdiction to hear the matter as mentioned in Clause 36 of the Standard Conditions related to Unified Motor Vehicle Insurance Policy Against Loss and Damage, which states, “The courts of the United Arab Emirates shall be competent to determine any disputes arising from the insurance policy.”