Ambulances in the UAE can be owned by private hospitals, clinics, medical practitioners, and other businesses that use ambulances for providing additional services on top of their primary services.

Medical vehicles are considered to be at high risk of damage by the nature of the function they perform and are also typically a large investment. If an ambulance is involved in a car accident (or damaged in some other way) a company would suffer a significant financial loss if the vehicle were uninsured.

That’s why companies that provide services involving medical vehicles are sure to have the right types and amounts of commercial auto insurance.

Types of Car Insurance for Medical Vehicles

Medical vehicles are inherently at greater risk than individually-owned private vehicles. They are typically also a high-cost asset. Therefore, the extent of coverage and the kinds of cover required are extensive – but crucial.

Some of the kinds of car insurance for medical vehicles include:

Asset Insurance

This type of cover can apply to ambulances and other medical vehicles, though it is also used to cover medical and office equipment as well as the business premises. It covers businesses in the event of fire, theft and accidents.

Liability insurance

This is a prerequisite insurance type for medical vehicles. This coverage is designed to protect a company from litigation if an ambulance is at fault for an accident. It protects companies from lawsuits by covering medical and repair bills for victims involved in an accident for which a company’s ambulance service was at fault. Liability insurance can protect a company in two critical areas: Bodily Injury and Property Damages.

Specialized Emergency Vehicle Insurance

Not all car insurance companies offer car insurance for medical vehicles to the emergency medical services industry. For the ones that do, it is worth checking the fine print of the insurance contracts. Some insurers may offer coverage for emergency vehicles but have a specific clause excluding cover for emergency vehicles while they are being used to respond to an emergency. Of course, this is the time when these vehicles are most at risk of being damaged.

If your company is seeking car insurance for medical vehicles, CompareInsurance has you covered. Find the best option available for you by comparing all kinds of insurance companies – and their policies – in the UAE.