Heavy rains, hail in UAE: Will insurance cover weather-related damages to vehicles?

Over the weekend, the UAE was hit by heavy rains and gusty winds, damaging cars and homes. A video shared by weather monitoring account Storm_ae showed trees falling on the vehicles during the rain, damaging the car's windshield. Hail and strong blowing wind shattered car windows and glass of some of the buildings.

This has left several residents wondering whether their insurance will cover their damaged vehicles. Motorists are advised to avoid parking in low-lying and waterlogged areas during rains as damages to engines are usually not covered by most insurers.

However, insurance industry executives say that car owners can claim insurance if their vehicles are damaged after submerging fully or partially due to the heavy rain.

But if the car has been parked in a waterlogged place, resulting in damages to the car's engine, then the vehicle owner may not be able to file a claim from the insurance company.

Industry executives advise motorists to buy comprehensive insurance policies which cover towing, road assistance and other facilities, as these services come in handy in the event of heavy rains or if they are stuck on a flooded road.

However, when it comes to home insurance, insurers say that most policies cover damages due to rains, but it also depends on the packages chosen by the individual.

• Look: From fallen trees to toppled boards, how Dubai cleared roads as rainstorm whips UAE