Companies refuse to insure vehicles by proxy in the event of an accident

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Date: 2018-09-01 04:20 PM

Insurance companies active on the local market ask dealers to submit a certificate showing that no road accident or insurance claim has been filed for vehicles that are to be insured and maintained for the second year. They said that 90% of the companies ask for these driver certificates if they want to believe in a new company, adding that if the driver has caused an accident during the first year of life of the vehicle, most insurance companies refuse to insure. Agency for the second year, and ask him to accept the insurance condition of maintenance within a workshop or garage or to insure it only against others. The insurance companies also require this certificate to ensure that the car is still covered by the warranty or the price of the document for the first year, stating that the insurance policies are mandatory to maintain a car within the agency, the risk of companies doubling at the expense of agencies' prices and parts services. "Most insurance companies ask customers to show that there is no road accident or insurance claim for vehicles that must be insured for the second year," said Adnan Elias, director of sales at Fidelity Insurance Services. More conservative in relation to insurance coverage policy in agencies except for the first year. "Elias added:" During the past period we have noticed that 90% of companies ask for this certificate from drivers if they want to believe in a new company. "He pointed out that" insurance companies take a lot of precautionary measures with respect to drivers. who want to keep the proxy. "" For some types of vehicles, especially luxury cars or expensive vehicles, including spare parts, all companies need this certificate, "he added." Maintenance in the agencies of the cost insurance companies double percentages, compared with workshops and garages on the local market ». He explained that "if it appears that the driver caused an accident during the first year of the vehicle's life, most insurance companies refuse to secure the Agency for the second year and ask him to maintain the insurance conditions in a workshop or accept garage or insure him against others only ».

"Insurance companies that provide the customer with information for the first time in the field of their traffic history and the number of accidents that caused them," said Moussa Shawahin, CEO of May Partners, a consultancy in the insurance and risk management business. Is due to the maintenance costs of the agencies and the high prices of spare parts ». He added that "insurance companies also need this certificate to ensure that the car is still covered by the warranty and that the driver did not perform maintenance on a third party after causing a traffic accident", pointing out that " maintenance of the car is rejected according to the standards of the office, regardless of whether it was carried out It has maintenance in a workshop, for example »." The application of this certificate by the insurer helps insurers determine the level of risk in case the vehicle to be held at the office for the second or third year, "said the executive director of United Gulf Insurance Brokers, Said Al Muhairi, that" the price of the previous year's document, the first, plays a role in the assessment of the insurer of the vehicle ».

"Certain categories of vehicles are mainly faced with insurance companies that struggle to carry out maintenance at a reasonable price, given the scarcity of this type of vehicle or the high prices of spare parts," Al Muhairi said. "The policy of insurance companies in price documents is completely different when a car insurance policy is taken out. For the maintenance within the agency, the risks of companies double and therefore try to reduce their levels as much as possible".