Can Your Insurance Company Refuse to Cover Car Damage Caused by Heavy Rain in the UAE?

It depends on your policy type. Under UAE law, comprehensive motor insurance typically covers rain- or flood-related damage, as such incidents are treated as external accidental events — unless your policy specifically excludes weather-related or natural disaster claims. However, if you hold only third-party liability insurance, your insurer is not obligated to cover damage to your own vehicle. According to the Unified Motor Vehicle Insurance Policy and the UAE Civil Transactions Law, insurers must compensate for losses only within the agreed terms and conditions of your contract. So, while insurance cannot arbitrarily deny coverage, exclusions or policy limits may apply. Do you think comprehensive coverage is essential given the UAE’s unpredictable weather?

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