It was 2008 and I was living in Blackheath, London with my then-boyfriend and our dog, when he suddenly dropped the bombshell that he had been offered a position in Dubai. He told me that he was only going to stay 6 months, so I decided to move back into my parent’s house with the dog – and fly out to Dubai regularly for holidays. But 6 months turned into 18 months – and after getting married on a snowy day in Greenwich in December 2010, I thought I better commit to the Dubai thing (given we were married now and all).
So I flew out with a couple of suitcases in January 2011 – and our life as a married couple began in the desert. We rented a flat, bought the bare necessities in furniture from IKEA, and set up utility accounts and phone numbers. But the one thing we never did back then – nor for the 6 years afterwards – is think about taking out home insurance.
And we aren’t alone. Apparently only 6% of UAE residents are estimated to have home contents insurance (source here) – and whilst it’s shocking that the other 94% would have zero to fall back on if disaster struck at home, I am really not surprised.
Because just like us, they probably see Dubai as transient. Arriving with a suitcase, buying second-hand or very cheap furniture, renting places to live rather than buying, and never knowing when expat life will be over and it’ll be time to head back home.
So why did we take out a policy?
After I heard that statistic, it got me thinking. And I looked around our villa at the things we had accrued over the years. The pictures on the walls, the TV, the computers, the cameras, the iPads, the children’s toys, the stacks of books in the bookcase, the growing collection of furniture, rugs, and kitchen equipment. And then upstairs, the clothes in our wardrobes, the shoes, the jewellery, the accessories, the bed linen, the towels… The list went on in my mind – and if, god forbid, we had a theft, a flood or a fire, a lot of it may be gone.
But RSA Home Insurance is about more than that too – it’s about being covered for emergency accommodation while you get things sorted, if belongings are damaged in transit when moving house, if your door keys are stolen and you need the locks changed, if your deep freezer breaks and you lose everything inside, and much more.
You can also add things onto the policy – I added the replacement of lost documents, as I know how expensive it is to replace them (my husband accidently throwing away Mabel’s birth certificate is testament to that).
And that’s not all, as you can also choose to add the belongings of your domestic staff or additional tenants to the policy too.
And it’s not just at home that your belongings are protected, but those you choose to take out of the house too. So if I took my laptop out with me one day and managed to lose it (even the thought gives me the chills), I would now be covered on our home insurance policy.
It’s really easy and quick to get a quote. Just head to www.rsadirect.ae/home-insurance and click on ‘Start your home insurance quote’. It took me a few minutes to get my quote, agree to the terms, and click through to pay for it. An email then quickly pinged into my inbox with our policy documents, where they can be filed away safely for if we ever need them.
Our policy cost 1,035 AED for an annual policy, which I think is fantastic value for the level of cover we have – and really not much when you consider what a godsend it could be, if we had a disaster. Policies start at just a few hundred dirhams, making it really very affordable.
The funny thing is that after 6 years of not thinking we need home insurance, I feel really relieved that we have it sorted!
Head over to www.rsadirect.ae/home-insurance now to get your quote.
In collaboration with RSA Insurance