Why Your Credit Card Void Your Monthly Car Rental Dubai Insurance

Driving a monthly car rental Dubai is one of the best things to do if you want to discover luxury locations, lively districts and gems on your own terms. Many travelers choose a credit card because using it covers them with rental car insurance.         

In fact, some people do not know that your credit card coverage in the UAE can be gone if specific requirements are not met. As a result, you may end up paying a large sum for damages or because of liability. There are important reasons why your credit card doesn’t protect your car rental insurance in Dubai and ways to prevent surprises.        

Insurance Monthly Car Rental Dubai: Why Many Travelers Rely on Credit Card

If you are like most modern tourists, you probably book your rental car with your credit card, hoping it will pay for possible accidents, thefts or repairs. It often does happen. Many companies that issue credit cards explain that they have monthly car rental Dubai insurance, saving you the cost of paying for extras like the Collision Damage Waiver (CDW).

Because the driving, rental and legal situations in Dubai can differ from your own country, trusting your home insurance might not be a good idea.        

Monthly Car Rental Dubai Period Limits and Geographic Restrictions   

Credit card car rental insurance tends to be limited in time and place. For example, most travel insurance will not cover you if you are renting for more than 15 or 30 days or if you visit certain areas. While Dubai is usually covered, a number of U.S. and European credit cards will not provide coverage outside their home country or in the Middle East.       

Also Read: Rent a Car Monthly Dubai: Steps to Follow After a Road Accident

Tip: It’s important to check with your credit card company before renting, to see if Dubai will be part of their rental car insurance. Check what your privileges include such as time and car type.

Not Declining the Rental Company's Insurance

Many credit card insurance policies only work if you turn down the Collision Damage Waiver or similar coverage given at the rental agency. If you are responsible for your insurer’s money, by accident or by design, they can avoid answering your claim.                     

In Dubai, a lot of car rental firms simply include CDW in the rental price or add it without you needing to ask. Unless you tell the company otherwise (if that’s an option), your credit card insurance may not be valid.   

Tip: Before using your credit card’s coverage, check with the rental company and ensure they agree, in writing, to renounce their insurance.   

Type of Vehicle Monthly Car Rental Dubai Not Covered

In most cases, luxury automobiles, performance cars, off-road option and cars meant for business are too costly to insure with credit card insurance. If you’re renting a sports car to drive around Sheikh Zayed Road or taking a 4x4 into the desert, chances are your credit card won’t provide you with any help.          

Tip: If you want your credit card insurance benefits, go for standard or economy models.

Improper Use or Legal Violations

Failure to comply with road rules, driving under the influence or giving the car to an unauthorized person could always make your insurance invalid—with credit card or other types. Dubai considers all traffic rules very important, so the fines for breaking them are often high.

Tip: It’s important to obey all local driving rules and have the person in the rental agreement drive the car.        

Final Thoughts

If you are careful about the rules, monthly car rental Dubai insurance from your credit card can save you money. Mistakes in Dubai can quickly cause large problems or lawsuits. The surest way to avoid harm? Check with your credit card company to make sure your card will cover you, carefully read your rental agreement and add rental coverage from a trusted company like Hala Drive.