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Insurance & Coverage

At Zirwah Car Rental, your safety and peace of mind are our top priorities. We provide comprehensive insurance options for all our luxury and exotic car rentals, ensuring that you enjoy your driving experience with confidence and security. Below are the details of our insurance policies, coverage options, and renter responsibilities.
 

1. Standard Insurance (Third-Party Liability Coverage)

In accordance with UAE law, all Zirwah vehicles come with standard third-party liability insurance, which includes:

  • Coverage for damages caused to third-party vehicles or property.

  • Protection against injuries to third parties in case of an accident.

Important: Standard insurance does not cover damage to the rented vehicle itself. The renter is responsible for any repair costs unless they opt for additional coverage.
 

2. Optional Comprehensive Insurance (Collision Damage Waiver – CDW)

For enhanced protection, renters can upgrade to a Collision Damage Waiver (CDW) at an additional cost. This coverage provides:

  • Protection against damages to the rented vehicle (excluding negligence-related damage).

  • Reduced financial liability in case of an accident.

  • Coverage for minor scratches and dents, subject to policy terms.

CDW Exclusions:

  • Damage caused by reckless driving, racing, or speeding.

  • Driving under the influence of alcohol or drugs.

  • Off-road or unauthorized vehicle use.

  • Failure to obtain a valid police report following an accident.
     

3. Full Insurance (Zero Excess Plan) – Premium Protection

For maximum peace of mind, renters may opt for the Full Insurance (Zero Excess Plan), which offers:

  • 100% coverage for accident-related damages to the rented vehicle.

  • Zero liability for repair costs in covered incidents.

  • Roadside assistance in the event of mechanical breakdowns.

Full Insurance Exclusions:

  • Intentional or negligent damage.

  • Tire, windshield, or underbody damage due to improper use.

  • Driving by unauthorized or unregistered drivers.

  • Loss of keys or damage to vehicle interiors.
     

4. Security Deposit & Deductibles

A refundable security deposit is required for all rentals.

  • If the renter does not opt for CDW or Full Insurance, any damages to the vehicle will be deducted from the deposit or billed separately.

  • When CDW or Full Insurance is purchased, the renter’s liability is reduced or eliminated for covered incidents, depending on the chosen plan.
     

5. What to Do in Case of an Accident

In the event of an accident, please follow these steps carefully:

  1. Remain at the scene and ensure everyone’s safety.

  2. Call Dubai Police (999) and obtain an official police report — this is mandatory for all insurance claims.

  3. Contact Zirwah Car Rental immediately at [insert contact number].

  4. Do not move or repair the vehicle without prior authorization.

Note: Failure to provide a valid police report will result in the renter being held fully liable for all damages.
 

6. Roadside Assistance & Emergency Support

Zirwah offers 24/7 roadside assistance for:

  • Mechanical or electrical breakdowns.

  • Battery jump-starts.

  • Flat tires or towing, if necessary.

For immediate support, contact our team at +971 56 967 3373

7. Exclusions & Limitations

Regardless of the insurance plan selected, the following situations are not covered:

  • Driving under the influence of alcohol or drugs.

  • Reckless or competitive driving (racing, drifting, etc.).

  • Off-road or desert driving.

  • Negligence, such as leaving the vehicle unattended or unlocked.

Any misuse or violation of UAE traffic regulations will result in full financial responsibility for damages, regardless of coverage level.
 

8. Final Notes & Contact

At Zirwah, we recommend all customers review their insurance options carefully before confirming a booking. Choosing the right level of coverage ensures your journey remains worry-free and enjoyable.

For assistance, inquiries, or insurance upgrades, please contact us:

Phone/WhatsApp: +971 56 967 3373
Email: info@zirwah-car.com
Office Address: [insert address], Dubai, U.A.E.
 

By renting a vehicle from Zirwah Car Rental, you acknowledge that you have read, understood, and agreed to our Insurance Coverage Terms.

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