Car Insurance Abu Dhabi

Car insurance in Abu Dhabi is not only a legal requirement but also a financial safety net for your vehicle. It primarily protects you financially in case you meet with an accident while driving. Whether you incur injuries or car damages, your car insurance policy can offer compensation for the costs associated with your car repairs, medical treatments, third-party liabilities, and more. ...read more

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If you are currently residing in Abu Dhabi or moving to the Emirate soon, this guide will help you gain significant info on Abu Dhabi car insurance. In this exclusive article, we will uncover the types of car insurance, benefits, required documents, policy buying process, claim process, and much more.

  • Comprehensive
  • Third Party
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.

Why Should You Buy Car Insurance in Abu Dhabi through PolicyBazaar UAE?

Well, with our digital platform, you can unlock a multitude of benefits like -

  • With our tie-ups with the top car insurance providers across the UAE, you can find the best motor insurance plans in one place.
  • You dont have to worry about car insurance Abu Dhabi prices as the plans include maximum coverage at attractive rates.
  • You can easily compare multiple plans in one place and select the ideal one for your car.
  • Our customer service support is always available to provide you with the necessary guidance.
  • It is pretty convenient to renew your policy on our website.
  • You can swiftly switch to a new insurance provider if you are not satisfied with your current car insurance provider.
Click here to Buy Car Insurance in Abu Dhabi

Types of Car Insurance in Abu Dhabi

Insurance companies mainly offer two types of car insurance in Abu Dhabi, categorised as comprehensive and third-party car insurance - 

1. Comprehensive Car Insurance

Comprehensive car insurance offers extensive financial protection against a wide range of potential risks and damages. It not only comprises mandatory third-party liability coverage but also provides coverage for your own vehicle.

Comprehensive car insurance typically covers damages and losses resulting from accidents, theft, fire, vandalism, natural disasters, and more. It offers peace of mind to policyholders by ensuring that their own vehicle is financially safeguarded in addition to having coverage for any harm caused to others. Additionally, many comprehensive policies in the UAE and Abu Dhabi offer benefits like roadside assistance, agency repairs, and even personal accident coverage for the driver and passengers. These coverages are mostly included in add-on plans. With all such benefits and many more, comprehensive car insurance is recommended for those who seek comprehensive coverage for their own vehicle on top of fulfilling the minimum requirement of third-party coverage.

2. Third Party Car Insurance

Third party car insurance is the minimum legal requirement for vehicle owners in Abu Dhabi and other emirates. It is a basic form of insurance that primarily provides coverage for damages and injuries caused to third-party individuals or properties involved in an accident where you are at fault. This includes compensation for medical expenses, property damage, bodily injury sustained by other parties, and legal fees (if applicable). 

While third party car insurance fulfils the legal mandate and is more affordable than comprehensive coverage, it comes with its limitations. For instance, it does not cover any damages to your own vehicle or personal injuries, meaning you will have to bear these costs yourself. Additionally, it may not provide coverage against non-accident-related events like theft or vandalism

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How to Buy Car Insurance in Abu Dhabi?

With Policybazaar UAE, buying vehicle insurance for those residing in Abu Dhabi is a straightforward process. In just a few easy steps, you can compare and buy car insurance from the convenience of your home. 

Here is the step-by-step process of how to buy motor insurance in Abu Dhabi through our digital platform -

  • Step1- On policybazaar. ae, click on the Insurance drop-down menu and select Car Insurance.
    • You can also click or tap on the car insurance icon on our homepage.
  • Step2- Choose your car brand and proceed with further instructions.
  • Step3- Fill out the lead form with the correct details and submit it.
  • Step4- Get directed to our car insurance quotes page and go through the list of plans on the page.
  • Step5- Shortlist and compare plans to choose the most suitable one for yourself.
  • Step6- Once decided, apply for your chosen plan by following the on-screen instructions.

Note: Once you buy an Abu Dhabi car insurance plan, a soft copy of the policy will be sent to your registered email ID.

Documents Required to Buy Car Insurance in Abu Dhabi

Insurance companies require you to submit a few documents when buying Abu Dhabi car insurance. Check out the list below - 

  • Valid Emirates ID
  • Valid driving licence
  • Vehicle registration (Mulkiya) if the car is registered in the UAE

If the vehicle is being registered for the first time, details like engine number, chassis number, and more would be required

  • Valid trade license copy (if the car is owned by a company) 

Note: The list above contains the standard documents required. As per the requirements of your insurance provider, you may be required to provide additional documents.

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What is the Claim Process for Abu Dhabi Car Insurance?

By promptly filing a car insurance claim in case of an accident, you can quickly get access to the necessary financial assistance from your insurance provider. Given below is a set of instructions explaining the Abu Dhabi car insurance claim process - 

  1. The primary step is to get a police report. For this, you can visit your nearest police station and inform them about the incident that occurred.
  2. Contact your insurance provider to initiate the claim process. Additionally, make a request to avail of the car towing service (if available).
  3. Move your car to one of the insurer’s approved list of repairers.
  4. The representatives of the car repair stations will analyse the damages and draft an invoice for the related repairs.
  5. The invoice will be sent to your insurer to receive final consent.
  6. Once approved by the provider, the servicing of your car will begin.
  7. You will receive a notification on your registered mobile number regarding the expected delivery date of the product.
  8. Receive your car and complete the final documentation, if required.
How to File Your Car Insurance Claim in the UAE

How to Renew Car Insurance in Abu Dhabi?

Insurance companies across the UAE allow policyholders to renew their policies within a timeframe of 13 months. While the validity of car insurance is 12 months, an additional 1 month is given to renew insurance as a grace period. 

Failing to renew policies on time can lead to negative consequences. These include confiscation of driving licence, black points, hefty fines, and more. To avoid these penalties and ensure continuous coverage for your vehicle, it is highly recommended to renew Abu Dhabi car insurance within the due date to avoid any later hassles.

If you purchased car insurance from Policybazaar UAE, here’s how you can renew your car insurance through our platform - 

  • Step1- Sign into your existing Policybazaar.ae account.
  • Step2- Navigate to your dashboard to view your purchased policies.
  • Step3- Choose your car insurance plan from the list.
  • Step4- Read all the inclusions, the fine print of the policy, and other relevant details mentioned in the document.
  • Step5- Click on the ‘Renewal’ button and make customisations to your existing policy, if required. Note that you can also go for a different insurance plan if necessary.
  • Step6- Follow the on-screen instructions to complete the process.

Note: The revised policy document will be sent to your registered email ID.

It is crucial to keep a few points in mind when renewing Abu Dhabi car insurance to ensure a successful renewal process - 

  • Always keep yourself updated with the insurance policy renewal due date.
  • If you wish to switch your current provider, choose a new provider and plan before renewal.
  • Over time, your insurance coverage requirements may change. Make sure to customise your plan accordingly before you proceed with the renewal process.
  • Always keep track of your insurer’s terms and conditions as they may make changes in their policies.
  • During the process, you may be required to submit documents such as  - 
    • UAE driving licence 
    • Valid copy of your passport
    • Car registration details 
    • UAE residence visa (if applicable) 

Get Car Insurance From Other Emirates in UAE

Dubai,Sharjah, Ras al Khaimah, Al Ain, AjmanFujairah

FAQs About Abu Dhabi Car Insurance

Q1. I want to claim my car insurance. Do I have to pay any amount to take my car to a repair station?

Ans.  If your insurance provider offers free towing services, you will be able to shift your vehicle to a repair station for free.

Q2. What are the add-on covers included in a car insurance plan in Abu Dhabi?

Ans. Here are some popular add-ons offered by car insurance companies in Abu Dhabi - 

  • Natural calamity cover
  • Personal accident cover for passengers
  • Personal accident cover for drivers
  • Roadside assistance
  • Oman cover
Q3. What is a No Claim Discount in Abu Dhabi car insurance?

Ans. No Claim Discount is fundamentally a reward given by insurance companies to their customers who don’t make any claims in their entire policy tenure. These discounts are provided at the time of policy renewal. 

Q4. What will happen if I forget to renew my Abu Dhabi car insurance within the due date?

Ans.  You can incur fines for driving without a valid car insurance. Apart from this, you can face penalties like black points or confiscation of your vehicle.

Q5. How can I get car insurance quotes Abu Dhabi via Policybazaar UAE?

Ans. Simply navigate to the car insurance section on Policybazaar.ae and fill out the lead form to view the top car insurance quotes Abu Dhabi.

Q6. I am moving to Ras Al Khaimah next month. Is my Abu Dhabi car insurance valid in other Emirate?

Ans.  Yes, your existing car insurance policy will be valid in other Emirates as well.

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