Best Car Insurance Companies in Dubai, UAE

In a market filled with options, identifying the best car insurance in the UAE can seem challenging. From basic third-party liability to full comprehensive coverage, insurers offer a wide range of plans to suit different needs.

Selecting the best motor insurance in Dubai means finding a balance between cost, coverage, and convenience. Top car insurance companies in the UAE provide tailored plans, fast claims processing, and added benefits such as roadside assistance and access to network garages. To make an informed choice, it's important to compare offerings, check customer reviews, and consider your specific driving habits and vehicle type. The goal is to choose a policy that offers maximum protection with minimal hassle.

Top 10 Car Insurance Companies in Dubai, the UAE - 2025

Finding the right insurance provider is crucial for covering your vehicle and ensuring peace of mind on the road. However, as mentioned earlier, with so many insurers in the market, selecting a trusted company can be overwhelming. To help you out, here is a list of the top 10 car insurance companies in UAE and Dubai that highlights providers known for reliable coverage, efficient claims handling, and excellent customer service.

List of the Best Car Insurance Companies in Dubai

Providers	PB Advantage	Third-Party Insurance Premium	Comprehensive Insurance Premium	Check Premium
GIG Gulf Insurance	12 Free Car Washes	AED 649	AED 6,080	Check Premium
Sukoon Insurance	24 Free Car Washes	AED 651	Price on Request	Check Premium
Watania Takaful	12 Free Car Washes	AED 937	AED 8,489	Check Premium
Salama Islamic Insurance Company	N/A	N/A	N/A	Check Premium
Dubai National Insurance Company	12 Free Car Washes	AED 1,019	AED 13,263	Check Premium
Tokio Marine Insurance	12 Free Car Washes	AED 785	AED 4,950	Check Premium
Admajee Insurance	12 Free Car Washes	AED 630	AED 1,626	Check Premium
New India Assurance	N/A	N/A	N/A	Check Premium
Qatar Insurance Company(QIC)	12 Free Car Washes	AED 788	N/A	Check Premium
Abu Dhabi National Takaful Company	N/A	N/A	N/A	Check Premium

*Based on new variants of the Nissan Altima 2025, the Honda City 2017, and the Toyota Land Cruiser 2024 — actual premiums may vary as per your car, its age and model, your driving experience, age, and many other factors

1. GIG Gulf Insurance

This car insurance company in UAE is one of the largest insurance providers in the MENA region. You can choose this company for both third-party and comprehensive motor insurance plans. With over 70 years of industry experience, this motor insurance provider specialises in customisable insurance plans. GIG Gulf Insurance Company is vouched for its transparent claim and round-the-clock customer support, which has garnered the trust of millions.

Top Car Insurance Plans from GIG Gulf Insurance

Motor Prestige

Motor Perfect

Complete Vehicle Protection - Protection against damage or loss Third-party Liability - Cover for bodily injury and property Complete Protection against Environmental and Criminal Disasters - Theft, flood, strike, fire, storm, and riot Personal Injury Coverage Emergency Medical Cover Personal Belongings Protection Assured Repairs and Agency Repairs - for up to 5 years Comprehensive Benefits including windscreen damage waivers, 24/7 accident recovery, convenient pick-up and drop-off services, GCC coverage Total Loss Benefit Wider Geographical Coverage – Oman and off-road car insurance

Vehicle Damage Protection - Cover against loss or damage Wide protection - From natural disasters to theft Preservation of Personal Assets Flexible Repair Options - Agency repair for up to 5 years Third-party Liability - Bodily injury and property damage Personal and Medical Protection Oman and Off-road Insurance Total Loss Protection, Optional Hire Car Benefits, and Pick-up and Drop-off Services

 

2. Sukoon Insurance

With an industry presence of more than 48 years, Sukoon Insurance is one of the best car insurance companies in Dubai, UAE. It offers quick and effective insurance solutions including claim processing and customer service.This car insurance company in UAE pays about AED 2 billion claims every year and has a customer satisfaction rate of 86%. Around 700 professionals are serving all your insurance needs.

Top Car Insurance Plans from Sukoon Insurance

Sukoon Comprehensive Car Insurance
Standard Cover	Additional Benefits	Optional Cover
Third-party Bodily Damage Third-party Property Damage Loss of Use Allowance Ambulance Benefit Loss or Damage to Own Vehicle	Off-road Cover Emergency Medical Expenses Territorial Expansion Cover Natural Disasters, Flood, Riots, Storm, Strikes, and Civil Commotion Windscreen Damage Roadside Assistance Valet Parking Theft Personal Injury Personal Belongings Replacement of Locks Auto Gap read more	Personal Accident Benefit Courtesy Car Cash Benefit Rent-a-Car Benefit

Sukoon Privilege Motor Insurance
Standard Cover	Additional Covers	Optional Covers
Agency Repairs Third-party Property Damage Bodily Injury Loss or Damage of Vehicle Ambulance Cover Loss of Allowance	Courtesy Car Off-road Cover for 4x4 Personal Accident (for Driver and Passengers) Coverage Expansion to Oman Personal Injury Personal Belongings Replacement of Locks Auto Gap Roadside Assistance Emergency Medical Expenses Natural Disaster Windscreen Damage Valet Parking Theft read more	Track Day Europe Extension

 

3. Watania Takaful

Watania Takaful is one of the best car insurance companies in UAE. This car insurance company in UAE is listed on the Dubai Financial Market (DFM) and is known for its quick and efficient claim service. A Sharia-compliant company, Watania offers the best car insurance in UAE.

Top Car Insurance Inclusions & Add-ons of Watania Takaful Insurance

Inclusions	Add-ons
Third-party Liability Damage to the Insured Vehicle Riots/MD/Strikes Windscreen Excess Waiver Ambulance Service Auto Gap Lock Replacement Off-road Cover Child Car Replacement Emergency Repair Expense Loss of Personal Belongings Emergency Medical Expenses Taxi Fares Personal Injury Valet Parking Cover Fire and Theft Cover Off-road Recovery Car Hire Cash Benefit read more	Personal Accident Benefit Natural Calamity Cover Vehicle Replacement Oman Cover Extension Roadside Assistance

 

4. Salama Islamic Insurance Company

With 45 years of industry experience, Salama Islamic Insurance is a Shariah-compliant insurance company that offers a wide range of Takaful plans. As one of the top providers offering the best motor insurance in UAE, it is committed to protecting about 450,000 customers and providing AED 10 billion in coverage overall. Its auto insurance plans cover third-party liabilities, car loss, and damages (depending on the type of plan you buy).

Here are the Takaful plans provided by Salama Islamic Insurance Company -

Comprehensive Auto Insurance	Third-Party Liability
Off-road assistance for free Integrated personal accident benefit for passenger and driver Quick repairs via A-grade garage network Car registration service Complimentary battery boost service Free vehicle recovery service	Damage to third party Legal liability Liability coverage

 

5. Dubai National Insurance Company (DNI)

Established in 1991, Dubai National Insurance & Reinsurance is among the first insurance companies listed on the Dubai Financial Market (DFM). It has partnered with the leading agencies and garages to provide hassle-free claims, which, combined with its tailor-made plans, make it one of the top car insurance companies in UAE. With the best motor insurance packages of DNI, you get comprehensive benefits to suit your requirements.

The Best Car Insurance in UAE from DNI -

Comprehensive Coverage	Third-Party Coverage
Agency repair for brand-new car Personal effects Emergency medical expenses Off-road cover Damages due to storms, riots, floods, and strikes Geographical coverage – UAE and Oman Hire car benefit Ambulance cover Windscreen cover Personal accident benefit — for the driver and passengers	Third-party property damage DL copy Section 2 legal liability to third parties Geographical Area Personal accident benefit

 

6. Tokio Marine Insurance

A Japanese insurance company, Tokio Marine Insurance is among the best car insurance companies in UAE. Having a strong presence in the country since 1976, its seamless claim settlement process and prompt customer care support have helped it earn the following —

• A+ rating from S&P
• A++ rating from A.M. Best
• Aa3 rating from Moody’s

With Tokio Marine, you can get the best motor insurance in UAE across two categories — Tokio Must and Third Party.

These two plans are discussed in detail in the following table —

Tokio Must

Tokio Third Party

Loss or damage to own vehicle Storm, strike, flood, riot, and civil commotion Third-party bodily injury Third-party liability to family members Personal injury cover Windshield damage excess waiver Third-party to non-owned cars New car replacement Oman cover for the insured vehicle Off-road cover Personal accident cover for passengers and driver Loss of use Taxi fare National ambulance cover Fire and theft cover Third-party liability Third-party property damage Emergency medical expenses Loss of personal belongings Self-authorisation repairs Unauthorised driver 24-hour accident and breakdown recovery Excess deductible read more

Third-party liability Third-party bodily injury Third-party property damage Geographical Coverage - UAE National ambulance cover

 

7. Adamjee Insurance

As one of the best car insurance companies in UAE, Adamjee Insurance has an industry expert of over 62 years. Offering a seamless claim process and round-the-clock customer care service, its dedication to providing insurance solutions has made it “Asia’s 200 Best Under a Billion Dollar” Best Company by Forbes in 2016.

Key Features, Exclusions, & Addons of top Car Insurance Plan of Adamajee –

Features and Benefits	Add-ons	Exclusions
Third-party Damage Third-party Liability Damage to Own Vehicle MD/Strikes/Riots Ambulance Service Windscreen Excess Waiver Fire and Theft Cover	Personal Accident Cover for Drivers and Passengers Natural Calamity Cover Replacement of Vehicle Roadside Assistance - Mechanical Assistance Lockout Service Fuel Delivery Service Off-road Recovery Car Registration Service Battery Service Flat Tyre Service Towing Service International Driving Licence Discount read more	Loss of Personal Belongings New Car Replacement in Case of Total Loss — Auto Gap Lock Replacement Agency Repair Emergency Medical Expenses Involuntary Loss of Employment Insurance Valet Parking Theft Cover Airport Pick and Drop Service

 

8. New India Assurance

Established in 1919, New India Assurance is one of the best motor insurance companies in UAE. It offers a variety of non-life insurance products — motor insurance, property insurance, engineering insurance, medical insurance, and more. The list of products amongst its best motor insurance in UAE includes Motor Comprehensive Insurance and Motor Third Party Liability Insurance.

These plans are detailed in the table below —

Motor Comprehensive Insurance

Motor Third Party Liability Insurance

Accident or accidental collision or overturning Theft Malicious act of any third party Damages due to fire, self-ignition, thunderbolt, external explosion, or lightning Damages during transit Optional Covers Personal accident benefit for driver and passengers Natural Perils Windscreen damage Agency repair Rental car Off road cover Roadside assistance – Free accident towing service Battery boosting Flat tyre fixing Fuel delivery Mechanical breakdown towing service Lockout service read more

Death or bodily injury of a third person Damage to third-party property by vehicle

 

9. Qatar Insurance Company(QIC)

With more than 50 years of experience in the Emirates, Qatar Insurance Company (QIC) is one of the best car insurance companies in UAE. It offers an array of insurance products – car, travel, home, health, and corporate insurance. Its motor insurance products stand out, thanks to the in-depth coverage they offer. The products in this category include Basic, Prestige, Prestige Plus, and Third-Party Liability Only.

Top Car Insurance Plans thar are provided by QIC - 

Basic	Prestige Plus	Prestige	Third-party Liability Only
Windscreen damage excess waiver Emergency medical expenses Personal accident benefit for passengers and driver Off-road cover Roadside assistance Valet parking theft Natural perils Geographical extension to Oman - Damage to own vehicle Third-party bodily injury Personal injury Personal belongings Courtesy car benefit Replacement locks New car replacement Riot, strike, and civil commotion Third-party property damage	Agency repairs Personal injury Personal belongings Personal accident benefit for driver and passengers Courtesy car benefit Replacement locks New car replacement Riots, strikes, and civil commotion Third-party bodily injury Windscreen damage excess waiver Emergency medical expenses Off-road cover Roadside assistance Valet parking theft Natural perils Geographical extension to Oman - Damage to own vehicle Third-party property damage	Agency repairs Personal injury Personal belongings Personal accident benefit for driver and passengers Courtesy car benefit Replacement locks New car replacement Riots, strikes, and civil commotion Third-party bodily injury Windscreen damage excess waiver Emergency medical expenses Off-road cover Roadside assistance Valet parking theft Natural perils Geographical extension to Oman - Damage to own vehicle Third-party property damage	Personal accident benefit for driver and passengers Roadside assistance Geographical coverage extension to Oman (for third party) Third-party property damage Third-party bodily injury

 

10. Abu Dhabi National Takaful Company (ADNTC)

Established in 2003, Abu Dhabi National Takaful Company is a leading Islamic insurance company. For the 8th year in a row, this best car insurance company in UAE received a financially stable rating of “A-” by A.M. Best. ADNTC operates across the entire UAE with offices in Al Ain, Abu Dhabi, and Dubai. It offers excellent Motor Takaful plans to meet your distinctive needs.

The details about comprehensive ADNTC Motor Takaful are discussed below —

Loss or Damage to Own Vehicle	Third-party Liability	Additional Covers
Due to Accidental Collision or Overturning Fire Theft or Burglary Third Party’s Malicious Act	Death or Bodily Injuries Damage to Materials and Property	Agency Repair Coverage For 13 Months Without Extra Premium No Claim Bonus Discounts Free Emergency Roadside Assistance Free Accident Towing Service Free Mechanical Breakdown in Towing Service Free Battery Boosting Flat Tyre Fixing Fuel Delivery Lookout Service Free Rent-A-Car For 24 Hours in Case of an Accident Free Roadside Assistance Free Car Registration (Once a Year) Emergency Medical Expenses Protection of Personal Belongings read more

 

11. Abu Dhabi National Insurance Company (ADNIC)

Founded in 1972, Abu Dhabi National Insurance Company is one of the best car insurance companies in UAE. Based out of Abu Dhabi, ADNIC offers an array of commercial and personal insurance solutions. The company has a solid financial standing of A by Standard and Poor.

Top Car Insurance Plans of ADNIC -

Gold	Platinum	Standard
Agency Repair for up to 2 Years Comprehensive Cover for up to 8 years Third-party Liability Property Damage — Up to AED 3,500,000 Off-road Assistance (4-wheel drive) Roadside Assistance Services Loss of Personal Belongings Car Replacement Natural Perils and SRCC Waiver of Depreciation Lock and Key Replacement	Agency Repair for up to 3 years Comprehensive Cover for up to 8 years Third-party Liability Property Damage — Up to AED 5,000,000 Off-road Assistance (for 4-wheel drive) Loss of Personal Belongings Damage from Valet Parking Roadside Assistance Services Car Replacement Natural Perils and SRCC Depreciation Waiver PAB Cover (for Free) Emergency Medical Expenses Free Orange Card read more	Agency Repair for up to 1 year Comprehensive Cover for up to 8 years Third-party Liability Property Damage — Up to AED 2,000,000 Third-party Bodily Injury or Death Car Replacement Roadside Assistance Services Loss of Personal Belongings Windshield and Window Damage Cover

 

12. Liva Insurance

One of the top names for those seeking the best car insurance in UAE, Liva Insurance is known for its dynamic car insurance solutions. The company has its operations across major GCC markets — the UAE, Oman, Bahrain, Saudi Arabia, and Oman. With over 60 years of experience in serving its customers in UAE, Liva Insurance has been a big part of the insurance field in the country. The original roots of the company were established some 300 years ago. A very reliable car insurance company in the country, RSA has been functioning in UAE since 1956 and offers a variety of different car insurance plans with a comprehensive list of benefits, as explained below.

Top Car Insurance Plans of Liva Insurance -

Motor Executive	Motor Smart	Motor Value
Vehicle Inspection Ambulance Cost Oman Extension Driving Another Car Emergency Repairs Basic Cover Personal Injury Taxi Fares Lock Replacement Perils of Nature Windscreen Protection Personal Accident Benefits for Drivers and Passengers Temporary Rent-a-Car Agency Repairs Document Handling Third-party Liability for Property Damage No Claims Discount Emergency Medical Expenses Garage or Valet Parking Personal Possessions Third-party Liability for Family or Passengers Loss or Damage to Own Vehicle Off-road Cover New Vehicle Replacement Access to GCC Countries No Claim Discount Protection Breakdown Recovery read more	Vehicle Inspection Ambulance Cost Oman Extension Driving Another Car Emergency Repairs Basic Cover Personal Injury Taxi Fares Lock Replacement Natural Perils Windscreen Protection Document Handling Third-party Liability of Property Damage No Claims Discount Emergency Medical Expenses Garage and/or Valet Parking Personal Possessions Third-party Liability for Family or Passengers Loss or Damage to Own Vehicle Off-road Cover New Vehicle replacement Personal Accident Benefits for Passengers read more Add-ons Agreed Value Cover Using Car in GCC Countries No Claim Discount Protection Breakdown Recovery Personal Accident Cover for Driver Temporary Rent-a-Car Agency Repair	Ambulance Cost Oman Extension Basic Cover Personal Accident Benefits for Passengers Third-party Liability for Property Damage No Claim Discount Off-road Cover Add-ons Damage to Self Breakdown Recovery Personal Accident Cover for Drivers

How to Choose the Best Car Insurance in Dubai, UAE?

Mentioned below are the tips for choosing the best car insurance in UAE —

• Assess Your Coverage Needs - Start by identifying what type of insurance you need. Consider factors like your car's age, value, and how often you drive. If you have a newer or more expensive vehicle, comprehensive coverage might be necessary. For older cars, liability insurance could be enough.
• Get Multiple Quotes - To find the best deal, get quotes from different insurance providers. Use comparison websites PolicyBazaar.ae for quick results. Ensure you compare policies based on similar details for accuracy.
• Check Insurer’s Reputation - Research the insurance company's reputation by reading reviews and checking claim processing times to make an informed choice.
• Understand the Policy Terms - Review your policy to know exactly what’s covered, including exclusions and conditions. Seek clarification if needed.
• Consider Deductibles - The deductible is the amount you pay before insurance coverage commences. Plans with more deductibles usually have lower premiums, but balance this with what you can afford in case of a claim.
• Review Optional Add-Ons - Optional add-ons like roadside assistance or gap insurance can enhance coverage but raise costs. Only choose necessary options to avoid inflating premiums.
• Check the Claims Process - Make sure that the insurer offers a smooth and efficient claims process. For this, you can read reviews on the handling of claims and average settlement times.
• Consider the Insurer's Network - Check if the insurer partners with repair shops or services that offer discounts or fast repairs, making the process more convenient.
• International Travel Coverage - If you drive abroad, confirm if your policy includes international coverage or offers it as an add-on. Understand the terms for claims while travelling to ensure you're protected.

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Last Updated At -  5 May 2025

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