{
  "id": 6272530,
  "title": "Tell Me Why getting the right car insurance matters",
  "url": "https://urgent.news/2026/09/08/tell-me-why-getting-the-right-car-insurance-matters",
  "topic": "world",
  "section": "World",
  "published": "2026-09-08T10:34:44.000Z",
  "source": {
    "name": "Gulf News",
    "slug": "gulf-news",
    "url": "https://gulfnews.com/podcasts/tell-me-why/tell-me-why-getting-the-right-car-insurance-matters-1.500666891"
  },
  "original_language": "en",
  "account": "Car insurance is more than a mere formality or a search for the cheapest price. Its true worth becomes evident when a vehicle malfunctions or an accident occurs, states Hitesh Motwani, the recently appointed CEO of InsuranceMarket.ae. In an interview with Lachlan Kitchen on Gulf News’ Tell Me Why podcast, Motwani emphasizes that drivers must carefully consider three key aspects while selecting insurance: coverage, service, and price. Proper evaluation of these factors is crucial.\n\nMotwani highlights that not all comprehensive policies offer identical protection. Key differences can include whether repairs are carried out by agency or non-agency garages, whether a replacement vehicle is provided, geographical coverage, and the quality of claims support. During the summer, when high temperatures can strain a car's tyres, batteries, and cooling systems, roadside assistance becomes particularly vital. Drivers should verify if assistance is available 24/7, what services it comprises, and if it extends beyond their home emirate or the UAE. Those who intend to undertake road trips across the region must scrutinize the geographical coverage section of their policy. Travelers heading to Oman, for instance, might need an Orange Card for third-party insurance coverage. Motwani warns, \"You could cross the border in seconds, but your insurance may not cross it with you.\"\n\nFurthermore, Motwani advises against automatic policy renewals. Drivers should instead review the policy's exclusions, vehicle valuation, and the claims process. A lower valuation might lower the premium, but it could also drastically impact the payout in the event of a total-loss claim. Equally important is the quality of support provided after an accident. A reliable insurer or broker should manage everything from registering the claim, obtaining workshop approvals, through to repairs, quality checks, and returning the vehicle. Motwani asserts, \"You already have one problem, which is the accident itself. You don’t want another problem of managing your own claim.\"",
  "summary": "Car insurance is not simply a box to tick or a search for the lowest premium. The real value of a policy becomes clear when a vehicle breaks down or an accident occurs, says Hitesh Motwani, the newly appointed CEO of InsuranceMarket.ae. Speaking to host Lachlan Kitchen on Gulf News’ Tell Me Why podcast, Motwani explains how drivers can choose protection that works when they need it the most.…",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}