Save time and money. Compare car insurance quotes and get the best insurance online in Lebanon

There are three types of car insurance in Lebanon
Compulsory car insurance (Elzeme)
Compulsory car insurance is required by law in Lebanon. Without it you will not be able to register or renew your car. It provides compensation for injuries or deaths due to a car accident. Keep in mind that it does not cover any material damages, you may top it up with third-party insurance to Include material damages caused to others.

Third-party car insurance 
Third party car insurance covers damages to the other person(s) car or property in a car accident. It’s a low cost alternative if you aren’t able to afford paying others material damages in an accident.

All risk car insurance 
All risk car insurance in Lebanon is designed to cover the Insured vehicle from damages due to incidents such as road accidents, fire etc. It covers own damage (damage of your own vehicle resulting from accidents, collisions, theft, fire, vandalism; total loss; and partial loss) as well as Third-parties (In a car accident). You can add-on various other covers such as 24/7 roadside assistance, natural disaster cover etc which may make your policy more comprehensive.

At an extra cost, you may add-on the below covers that can make your policy more beneficial

• Personal Accident Cover - This additional cover is great for you if you opt for Third-Party Liability Insurance. This way financial protection is provided for any personal damage for yourself and passengers in your vehicle.
• Personal Belongings Cover - In case of vehicle theft, you will be compensated for your car and for any personal belongings that might have been inside at the time of theft.
• Agency Repair - You can choose for your car to be repaired by the original manufacturer workshop.
• 24 x 7 roadside assistance - Another great feature is 24/7 roadside assistance in case you break down and need immediate help.
• Natural Calamity Cover - Covers for damages which are out of human control such as Earthquake, Storms etc.
• Off-road insurance - If you are an off road enthusiast, then it makes sense to get coverage for any damages you might incur there.
• Medical emergency expenses cover - In case of an accidental injury caused to the driver or a third party, this cover pays for an ambulance, medical costs, and emergency treatment(s).

Compulsory car insurance is required by law in Lebanon. It covers bodily injuries or death due to an accident and excludes any material damages.
So the question remains - Third-party or all risk car insurance?
Deciding this may depend on various factors like car specifications, vehicle history etc. What you should know while deciding is, third-party car insurance covers the policyholder against financial or legal liabilities arising due to injury sustained by a third-party or damage to a third-party’s property or car in a car accident. 
All risk car insurance covers own damage as well as Third-parties. Depending on any add-ons you choose, It may also cover damages arising from certain situations like total loss, theft, partial loss, vandalism, accident, fire, natural calamity etc.
Depending on your vehicle and budget, you may opt for a combination of third-party or all risk car insurance along with compulsory car insurance.

Depending on the type of cover chosen, some of the most common services that may be Included in a car insurance policy are

• Repair Assistance – In case your vehicle breaks down or is damaged the car insurance provider will reimburse you the cost of repair.
• Assistance with Towing – Cars that need to be towed to a workshop will be provided with the service.
• Crane Assistance – In case your damaged vehicle needs to be extracted and removed from the site of collision. 
• Flat Tyre Assistance – In case of a flat tyre, you will be assisted without any cost.
• Dead Battery – If your battery dies in the middle of the road and you need to jump-start your engine, assistance will be provided to you.
• Lost or Locked Keys – In case you lose keys or your keys are locked up in the car, adequate assistance would be provided to you. 
• Fueling Up – Imagine running out of gas in the middle of nowhere. Insurance policies come to help you out in this situation.
   

There may be services like offroad insurance, agency repair, personal accident cover , personal belongings cover etc. that may not be covered in a car insurance policy. However, these services can be availed by paying an additional cost. Also there are certain situations which may invalidate your claim and your policy may not cover. For example

• Driving without a license
• Driving under the influence
• Overloading the vehicle beyond specified capacity
• Withholding or intentionally providing misleading information
• Intentionally damaging the car by initiating an accident
• Using the vehicle for any purpose other than that mentioned expressly in the insurance policy
• Filling a claim three years after the incident 

Here are a few things that you should keep in mind when buying car insurance online
Type of policy 
It is important to understand the type of car insurance policy you require. For a wholesome cover that provides maximum benefits, comprehensive or all risk car insurance works best. Although, If you have a limited budget or your car history/specification does not allow you to go for comprehensive or an all risk cover then you may opt for Third-party car insurance.
Cashless assistance 
When buying a new car insurance policy, lookout for IDV (insured declared value) of the car. It is the maximum sum insured fixed by the insurer which is provided on theft or total loss of the insured vehicle. Basically, IDV is the current market value of the car. Try and choose an IDV that matches the market value of your car so that the claim is higher.

Claim settlement ratio of the insurance provider 
The Claim Settlement Ratio (CSR) indicates the percentage of claims that an insurance company settles in a financial year. The higher the CSR, the better the company in terms of claims settlement. That’s why it is recommended to compare CSR and choose an insurance provider that has a high CSR.
Add-ons 
Choosing the most beneficial add-ons will make your policy more useful, boost the claim payouts, and reduce your out-of-pocket expenses. Keep in mind that each add-on comes with an additional cost.
Premium  vs. coverage offered 
Always compare the best car insurance plans based on their premium and coverage offered. A plan that offers the most comprehensive scope of coverage and that too at the lowest premium would be the most beneficial.
Network of cashless garages in Lebanon 
If you are looking for the best car insurance in Lebanon, make sure to check the network of cashless garages. If you want to increase the probability of availing cashless settlement of claims, then the insurance provider should have tie-ups with major workshops and garages across Lebanon.
 

While the exact needs may vary between car insurance providers, below are some general documents and information you may be asked for
Vehicle registration certificate
It contains all information regarding your vehicle like – engine number, chassis number, year of manufacturing, make, model etc.
Valid identification
You will have to provide a valid identification like – passport, or any other national ID to prove your identity.
Driving license
A valid driving license is required to get a car insurance policy in Lebanon.
Previous insurance policy (if any)
If you have bought a car insurance policy previously, you might have to provide its details like – insurance provider(s), policy number, and claims made (if any).

There are so many car insurance providers in Lebanon that choosing the best one can be confusing and challenging. By comparing policies you can get a better idea of the best policies on offer and a company's claim ratio before you make the final purchase. 
Compare quotes easily in a few clicks from leading insurance providers on BuyAnyInsurance website and then choose the best policy. 
 

There are numerous factors that can affect how affordable or expensive car insurance premiums can be. Some of them are

• Driver's age
• Driver's location
• Vehicle specifications like make, model, number of cylinders etc
• Vehicle's market value
• Claims history of the vehicle owner
• The driving experience of the insurance holder
• Location - For example areas with higher instances of accidents, vandalism, or theft may have higher premium costs
• Vehicle usage - Whether vehicle is used for commercial purposes or personal use
   

Given below are some techniques that you can use to get affordable car insurance in Lebanon
Shop on BuyAnyInsurance
No need to waste time shopping around by talking to many brokers or insurance companies. Just enter your car details on our website to compare car insurance quotations from different companies. You can also speak to our experts who will handle everything for you, end to end.
Get the right coverage
Third-party insurance may prove to be affordable than all risk car insurance. When opting for either one, you can choose fewer add-ons. By limiting your add-ons, you can get comparatively affordable car insurance.

No-claims discount
An unconventional way to get a lower premium is by being a good driver with little to no claim history on your policy. Policyholders with little or no claim history are awarded a No-Claims discount which lowers their policy premium significantly.
Bundle insurance
A smart way to get a discounted rate on your insurance is by buying more than one policy. You can club health, travel, and car insurance together from the same provider to get an overall discount on the premium.
Higher deductible
Insurance deductibles are the amount you decide to pay out of your own pocket in case of a claim. By opting for a higher deductible, you can lower the premium. However, this affords you little protection in case of a claim, and you end up paying more in an emergency.