Review Of RSA Direct Insurance UAE

RSA Direct Insurance UAE is a leading insurance provider headquartered in Dubai and serving primarily the UAE. The company is part of a larger global group that has over 9 million customers in the Middle East and worldwide.

With its car insurance solutions, RSA has been helping clients enjoy their motoring experiences in the Middle East for over 50 years. RSA’s product offering has expanded to include travel, home, and personal accident insurance.

We highlight and review the RSA product range and how the company performs in this competitive market.

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Car Insurance

RSA Direct UAE offers three broad packages of car insurance.

Motor Value

This plan provides the essential basic cover you need to drive with peace of mind. In the unfortunate event of an accident, the Motor Value policy covers repairs and damage to property and third-party liability. Ambulance costs and personal accident benefit for passengers are included.

It’s good to see you’re rewarded for safe driving with a no-claims discount at renewal.

Motor Smart

It must be said the Motor Smart car insurance package is pretty comprehensive. It’s a substantial upgrade on the Motor Value plan with additional cover including:

Emergency medical expenses and emergency repairs
Generous personal injury compensation to you and your spouse
Third-party liability for family/passengers
Windscreen protection
Taxi fares

To minimise inconvenience:

RSA will conveniently arrange to pick up and drop off the car as part of its vehicle inspection.
The insurance company will attend to document handling with the authorities on your behalf.
New vehicle replacement- if your car is totalled in an accident before it’s 6 months old, the insurance provides for a brand new car of the same make and model.

Motor Executive

The Motor Executive provides high-level superior coverage. The package offers the Motor Smart coverage plus additional personal accident benefits for the driver. It also makes available:

Agency repairs – your insurance pays for repairs at the car’s manufacturer.
Generous car rental payment.
Breakdown assistance throughout the life of the policy – from changing a tyre to a major tow.
Coverage when driving in all 6 GCC countries.
No-claims rewards protection.

Travel Insurance

Travel insurance provides a safety net so that you can fly stress-free to your dream destination or visit friends abroad. The insurance company offers a range of recommended cover plans:

Schengen

The Schengen plan is the essential package that covers medical emergencies, accidents, and the loss of important documents including your passport. A very good feature is credit card fraud insurance. Many travellers know how real and unpleasant this threat is.

Holiday Plan

This plan is extensive. It covers the essentials and also accounts for annoying aspects such as cancellations, travel delays, baggage problems, and missed connections. There are other well-considered features to commend:

Legal expenses
Hospital Allowance
Dependent child protection
Emergency telephone expenses

Executive

This package provides total peace of mind. It’s Holiday Plan Plus with a few nice extra features including:

Pet care
Hijack insurance

Home Insurance

RSA appreciates that your home is your safe place and protecting its value is all-important. The insurance company understands that many of our possessions are essential to how we work and play.

The insurer has developed practical and extensive home and household insurance to cover virtually every risk scenario.

Buildings Insurance

Building insurance covers your property from the standard perils – fire, flooding, water damage, impact damage, piping and cabling issues.

The insurance includes riot/strike and burglary protection, and even insurance for a falling receiver aerial. It is welcome to see a provision for alternative accommodation while your home is being repaired.

Theft and major property damage are never pleasant experiences. Insuring your home’s contents helps you to get back on track after such unhappy incidents.

RSA Insurance provides comprehensive cover for your household contents including TVs, phones, computers, mechanical and electrical equipment, and jewellery. You can also cover:

Visitor’s personal effects
Tenant’s liability for damage
Deep freezer contents
Glass and mirrors; keys and locks and security features

Personal possessions

This insures you against accidental loss and theft of your valuable possessions including vital documents. Damage is also covered. This insurance applies worldwide so if your laptop and phone are damaged on a business trip, or your bicycle is stolen on a biking holiday you’re covered.

Personal Accident

While you’re embracing life wholeheartedly you may not think about these things, but accidents happen. RSA has developed Personal Accident cover that supports you financially if you take a knock and suffer injury. This policy is different from travel insurance but it can cover you worldwide 24/7.

Personal accident cover provides crucial compensation for:

Medical expenses
Temporary disablement
Permanent disability
Repatriation costs

Golf Insurance

This niche product is an exciting proposition for golf players. The insurance covers injuries and accidents while golfing as well as loss and damage of clubs and equipment. Important and handy add-ons include:

Liability cover for injuring a third party
Reimbursement of club membership fees
Rewards for a hole-in-one

RSA Performance

RSA sells some best-in-class products. They are not the cheapest on the market and don’t pretend to be, but they are generally affordable and competitive. There is a 10% online discount on certain products.

The direct insurance company is geared to offer quick quotes and insurance policies online for a range of general insurance needs. They do this well.

The RSA Insurance website is user-friendly and provides good guidance. Policy renewals and new policy purchases are typically straightforward and efficient. The online channel is well backed up by the professional team.

Claims

Successful registration of claims online is quick and easy provided you have all the relevant documentation ready. There are up to 4 channels that can assist you through the claim process:

Online portal (for vehicle insurance claims)
Call centre assistance
Email
Branch office

In the vast majority of cases, claims are processed speedily and efficiently. Major vehicle repair jobs or write-off payouts are settled within a week.

Negative feedback

Some claims are drawn out, especially if multiple parties are involved.
A few clients aren’t happy to leave their vehicle with an unfamiliar repair shop after a smash. It’s worth remembering that these workshops are all quality-approved operations.
Call centre response time can be slow.
Road-side assistance occasionally disappoints.

Overall RSA’s strong customer review ratings and 60 years in business are a testament to the insurer’s quality products and professional delivery.

Contact RSA Direct Insurance UAE

Head Office: 38th Floor, Burj Al Salam No 2
Sheikh Zayed Road
PO Box 28648
Dubai, UAE

www.rsadirect.ae
New Quotes and renewals: 800772
Motor claims: 800774
Home and Travel claims: +971 4 3029835; +971 4 3029903
Roadside assistance: 600 544060 (24 hours)

FAQs

Does RSA Insurance insure cars of any age?

Comprehensive cover is offered for vehicles up to 7 years old. Vehicles over 7 years need to be referred to RSA’s motor team who will review each case.

What is third-party car insurance?

Third-party car insurance is a more basic and affordable insurance that covers damages you may cause to another vehicle on the road.

RAS Direct Insurance UAE