Car insurance protects vehicle owners from financial losses caused by accidents, theft, natural calamities, and third-party liabilities. As per RTA regulations, car insurance in Dubai & UAE is mandatory and allows you to legally register and drive a vehicle on public roads.While third-party insurance is the minimum requirement, most drivers opt for comprehensive car insurance as it provides cover for their own vehicle in addition to third-party risks. ...read more
Car insuranceis a contract between you and your insurance company. It states that the insurer will cover certain costs if your car is involved in an accident, stolen or damaged, in return for the premium you pay. Depending on the policy you choose, motor insurance may cover damage to other vehicles, repairs to your own car, medical expenses after an accident and legal liabilities arising from injury or property damage.
On Policybazaar.ae, you can compare car insurance plans from multiple insurers in one place and choose a policy that suits your car and usage. The platform allows you to check coverage details, premiums, add-ons and insurer features side by side. This comparison-based approach makes it easier to find suitable car insurance in the UAE without spending time contacting insurers individually.
Top Car Insurance Dubai Plans - 2026
Some of the best and the cheapest car insurance quotes in Dubai are:
Comprehensive
Third Party
Sukoon Insurance (Previously Oman Insurance)
Plan Name
Sukoon Comprehensive (Gold Garage)
Starting from
AED 1,995/year
Blood money
Third Party Damage Limit
Third Party Liability
Orient Insurance
Plan Name
Orient Insurance Comprehensive (Silver Garage)
Starting from
AED 1,727.25/year
Third Party Damage Limit
Third Party Liability
Damage to Insured vehicle
Adamjee
Plan Name
Adamjee Insurance Comprehensive (Garage)
Starting from
AED 1,522.5/year
Third Party Damage Limit
Third Party Liability
Damage to Insured vehicle
Methaq Takaful
Plan Name
Methaq Takaful (Pre-Approved Workshop)
Starting from
AED 1,346.1/year
Third Party Damage Limit
Third Party Liability
Damage to Insured vehicle
Alliance Insurance
Plan Name
Alliance Insurance Comprehensive (Garage)
Starting from
AED 1,575/year
Third Party Damage Limit
Third Party Liability
Damage to Insured vehicle
*Above mentioned prices are for Honda City EX 1.5L, 2022 model.
*Above mentioned prices are for Honda City EX 1.5L, 2022 model.
Key Features of Car Insurance in UAE
Key Features
Insurance Benefits Offered
Third-Party Cover
Mandatory, Up to AED 200,000 on Accident Benefits
Coverage
Up to AED 200,000.
Minimum Premium
Begin at AED 630*.
Process for Claim
Policybazaar UAE Portal & Insurer Portals
Claim Assistance
Yes
Savings
Up to 30% Safe Driver Discount*
Add-ons Covers
Driver Cover, Passenger Cover, Natural Calamities, Replacement Of Vehicle, Roadside Assistance, Oman Cover
Buy/Renew Process
Online
Policy Tenure
Valid for (12+1) 13 months, including 1 month of grace period
Regulator
Central Bank of the UAE
See More
Types of Car Insurance in UAE
Car insurance is mandatory for driving in the UAE. You can choose from 2 types — Third-party Liability Insurance & Comprehensive Car Insurance. Both these types have different degrees of coverage and benefits. Driving without valid car insurance can lead to fines, vehicle impoundment and up to 4 black points on your licence.
Third Party Car Insurance
Third-party car insurance is the minimum mandatory car insurance in Dubai and across the UAE. It is required by law to legally drive a vehicle on UAE roads. This policy covers injury, death or property damage caused to a third party in an accident involving your insured vehicle. However, third-party car insurance does not cover any damage to your own car, even if the accident is caused by you.
Comprehensive Car Insurance
Comprehensive car insurance provides both own-damage cover and third-party liability protection. It helps vehicle owners manage financial losses arising from accidents, fire, theft, vandalism or other insured events, as mentioned in the policy terms. In addition to covering third-party injuries, death, and property damage, comprehensive car insurance also protects your own vehicle. Because it offers wider coverage, comprehensive motor insurance in the UAE usually comes at a higher premium compared to third-party insurance.
Why Should You Buy Car Insurance Dubai Through Policybazaar.ae?
With impeccable customer service and value-added benefits, Policybazaar.ae constantly strives to offer more than car insurance in Dubai, UAE. It is for this commitment that we have been recognised with several awards, including Broker of the Year at the GAIP-InsureTek Global Shield Excellence Award, Dubai 2025, and Digital Insurance Pioneers of the Year 2025, at MEA Business Awards.
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List of Cheapest Car Insurance Plans in Dubai, UAE - 2026
The cheapest car insurance in the UAE is not always the one with the lowest premium, but the one that offers essential coverage at a reasonable cost. To help you make a quick and informed choice, we have listed some of the most affordable car insurance plans in Dubai that balance cost and coverage.
Insurer Name
Third-Party Price (in AED)
Comprehensive Price (in AED)
Sukoon Insurance
630
1470
RAK Insurance
630
1523
Watania Takaful Insurance
630
1575
Salama Insurance
651
1680
Tokio Marine Insurance
735
1801
GIG Gulf Insurance
738
1523
Alliance Insurance
788
1365
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
Why Is Car Insurance Mandatory in Dubai, UAE?
It is mandatory for car insurance in Dubai (and the wider UAE) for several key reasons, primarily centered on public safety and financial responsibility.
Let’s understand why car insurance is mandatory in Dubai —
It’s the RTA Law – Driving without insurance is illegal. It can lead to serious consequences as per RTA guidelines. In Dubai, you can get 4 black points on your driving licence and face an AED 500 fine. In fact, your vehicle can be impounded. If you keep driving without insurance, your licence can also be suspended.
Financial Protection When You Need it the Most – Even with all precautions, accidents can happen. With a car insurance policy, you don’t have to bear all expenses if something goes wrong. For instance, if you’ve a comprehensive plan and end up injuring a third-party in an accident, you can file a claim. Your insurer can cover the costs related to vehicle repairs, medical bills, legal fees, and compensation to the third party.
Encourages Safer Driving – In a way, insurance also promotes responsible driving. If you keep a clean record and avoid reckless driving, you can enjoy a no-claim bonus. This gets you discounts for every year you don’t file a claim.
Peace of Mind on the Road – Whether you choose third-party or comprehensive insurance, knowing you’re protected brings real peace of mind. You can drive in Dubai with confidence, knowing that you, your loved ones, and others on the road are covered against legal and financial troubles.
Car Insurance Inclusion & Exclusions in Dubai
What is Covered
Third-Party Damage - Covers the repair costs of damages done to someone else’s car by your insured car.
Damage to Insured Vehicle - Covers the repair cost of the damaged insured vehicle
Emergency Medical Expenses - Pays emergency medical costs that you and your passengers incur in case of an accident
Fire & Theft Cover - Offers coverage for vehicle damage in case of fire or theft of your vehicle.
Third-party Liability - Coverage for legal and financial liabilities that arise from third-party injuries or death.
What is not Covered
Driving under the Influence - Causing an accident or harm while driving under the influence of alcohol or drugs.
Vehicle Overloading - more passengers or cargo than allowed
Intentional Damages - Damages or losses caused intentionally are not covered
Involvement in Criminal Activities -No coverage for damage if the vehicle is used in criminal activities or hit-and-run.
Reckless Driving - Reckless driving activities, like street racing or speeding, are not covered
List of Add-ons for Car Insurance Dubai
You can always upgrade your car insurance Dubai by adding riders or add-ons for a nominal additional premium. With car insurance add-ons, you get extra protection for your insured vehicle. Some of the most common riders are –
Personal Accident Cover
Personal accident add-on covers the drivers and passengers in your vehicle. If an accident leads to disability or death, it provides a sum of up to AED 200,000 per person. Just keep in mind that if your vehicle is overloaded at the time of accident, your claim won’t be valid.
Natural Calamities Cover
This add-on covers your car from damage due to natural disasters like floods, earthquakes, sandstorms, and more. After the flood in Dubai in April 2024, this rider has become quite popular. However, if there’s a flood and you drive your car around or park it in waterlogged areas on purpose, you will not be covered. Also, trying to start your vehicle in such areas can damage the engine and lead to claim rejection.
Car Rental Cover
With this rider, you can get a rental car as a replacement till your insured vehicle is under repair. This way, you can travel conveniently while your car is undergoing repairs after an accident.
Roadside Assistance
If your vehicle breaks down in the middle of the road, you can ask for roadside assistance from your insurance provider. Your vehicle will be towed to your nearest authorised garage using the benefit. The services, apart from towing service, include tyre replacement, battery jump start, lock replacement, breakdown recovery, and more.
Oman Extension
Oman is a popular destination for road-trips. After all, it’s quite easy to jump to E44 road in Dubai and reach Hatta border in 1.5-2 hours. With Oman Extension add-on, you can plan your journey even better and extend your own policy’s coverage to Oman!
Get Car Insurance Quotes from Top Leading Motor Insurers in UAE
Choosing the right motor insurance becomes easier when you compare plans from the UAE’s top motor insurers. These insurers are known for fair pricing, consistent claim support, and a wide range of cover options for every type of driver. By viewing motor insurance quotes from leading companies in one place, you can quickly understand the differences in benefits, add-ons, and premium ranges. This helps you pick a policy that matches both your budget and the level of coverage you want. Explore the top motor insurers and see what each one brings to the table before making your decision.
How to Save Money on Car Insurance Online in Dubai, UAE - 2026
Finding the right motor car insurance plan for your car in the UAE can be a lengthy process. However, there are a few simple tips you can adopt to make sure you choose nothing but the best for your ride. Here's how you can find the best car insurance in UAE :
Evaluate Your Needs: Every driver-owner has a set of unique needs which means that your ideal auto protection plan needs to be customized. So, to get the right Car insurance in Dubai for your car is to evaluate your needs. See what you want your vehicle protection plan to cover and find out whether there is anything special you would like to add. For example, if you take your car on dune safaris often, an off-road cover is a must for you. Make a list of all such unique covers your car requires and then start searching for a plan that can satisfy them all.
Scout Through Providers: Finding the best insurance companies in Dubai or any other emirate is very important. Read vehicle insurance reviews online, talk to your fellow car owners about their auto insurance providers. Choose the one with fair goodwill at the least. Make notes of everything from their plans to the claim settlement process and customer service.
Obtain a Few Quotes: Go ahead and get online motor insurance quotes in Dubai for at least your top 3 plans. Compare these final car insurance quotes for Dubai and find out which insurance plan is the most cost-effective. Comparison of your top options is one of the most important steps to finding the best auto insurance in the UAE.
Research as Per Your Emirate: If you reside in Dubai, concentrate on finding the best insurance companies in Dubai instead of the whole of UAE. This will narrow down your scope of research and make it easier to find providers specific to your area.
Check The CSR: Claim settlement ratio should always be considered before buying an auto protection plan from any particular provider. While you are at it, also find out what kind of claims get rejected or denied the most by the provider. This will give you important insights into the transparency policy of the motor insurance provider as well.
Examine the CoverageEvaluate the coverage of your auto insurance plan well and see if it includes everything you need. Get a few add-ons if necessary and find the best possible comprehensive plan for your car.
How Much Does Car Insurance Cost in Dubai ?
Car insurance in Dubai tends to be more expensive than in other emirates because Dubai has denser traffic, a large number of high-value and luxury cars, and higher repair costs at both agency and non-agency garages.
Minimum Car Insurance Premiums in Dubai
Minimum Premium for Sedans in Dubai: AED 1,346
Sedans covered under this slab include: Nissan Altima, Sunny, Tiida, Sentra • Toyota Corolla, Yaris, Camry • Honda Civic, City, Accord • Hyundai Elantra, Sonata • Kia Optima • BMW (selected models) • Lexus IS-Series (starting AED 1,365)
Minimum Premium for SUVs in Dubai: AED 1,680
SUVs under this slab include: Nissan X-Trail, Pathfinder, Kicks • Toyota RAV4, Fortuner • Mitsubishi Pajero • Honda CRV • Hyundai Tucson • Kia Sportage • Chevrolet Captiva • BMW & Lexus SUVs
Higher Premium Brackets for EVs & Luxury Cars - There are significantly higher minimum premiums for electric and luxury vehicles —
Tesla Model 3: AED 3,250
Tesla SUV: AED 3,300
MG ZS: AED 2,310
Jetour T2: AED 3,250 – 3,300
Mercedes C-Class: AED 2,625
Geely models: AED 1,995
Land Cruiser / Prado: AED 1,890
Disclaimer: The premium ranges and examples provided above are based solely on the data available. Actual car insurance Dubai prices may vary depending on the insurer, policy type, driver profile, vehicle condition, and add-ons selected.
Factors that Affect Car Insurance Premiums in Dubai
Car insurance companies in Dubai and across the UAE factor in several considerations when calculating insurance premiums. This usually includes the region you belong to, your age, car type and age, and so much more. Discussed below are the factors that affect your motor insurance premium.
Driving History - If you have a history of accidents or traffic violations, your premiums can increase by 10 to 15%.
Driver’s Age - If you are a younger driver (under the age of 25 years), the premium would be higher. This is because you may appear as a risky driver to the insurance company.
Car Type and Age - Luxury vehicles tend to have higher premiums, generally ranging around AED 3,500 to AED 5,500. This is due to the expensive repair costs. Older cars (usually older than 5 years) see a hike of 15 to 20% in premium.
Repair Types - Policies with agency repairs require around 10 to 25% higher premiums than plans with non-agency repairs.
Traffic Density - Some of the busiest roads in Dubai like Sheikh Zayed Road, Emirates Road, and Al Khail Road have high traffic density and are prone to more collision claims. Thus, insurance premiums for those residing in such places may be higher.
Add-ons – If you include add-ons like personal accident cover, roadside assistance, and more, you can expect higher premiums. For this reason, be careful while selecting add-ons — choose only the relevant ones.
How to Compare Car Insurance in Dubai?
With so many options to buy vehicle insurance online in Dubai, it can be difficult to find out which one is the best. While comparing plans is the way to go, it’s hard for many to know where to state. To find the best motor insurance in Dubai that suits your needs, here’s what you have to do —
1
Make a List of Insurance Companies
Start by shortlisting a few motor insurers. This helps you get a clear picture of the options out there. It also gives you an idea of what to expect in terms of coverage, premiums, services, and more.
2
Check What’s Covered
When comparing car insurance quotes, take time to look closely at what each policy actually covers. Make sure you understand the coverage for accidents, theft, third-party liabilities, and more.
3
Don't Overlook Exclusions
It’s easy to focus on what’s covered. However, it’s equally important to know what is not. When comparing UAE motor insurance quotes, carefully review the exclusions to avoid unpleasant surprises. This also helps you pick a policy that truly protects you.
4
Think About Add-Ons and Riders
Add-ons and riders let you customise your policy for extra protection. Whether you want coverage for off-roading, natural disasters, or personal accidents, these extras can be a great choice.
5
Look Out for Discounts and Offers
Many vehicle insurance providers give discounts or special deals that can lower your premiums. However, as they are usually available at particular times or occasions, check for these specifically when comparing motor insurance quotes.
6
Read Customer Reviews
Customer reviews give you a real-world look at how an insurance company performs. Reviews from people who’ve already used their services can help you spot both positive and negative aspects before you buy.
Compare Car Insurance from Top UAE Insurers
When comparing car insurance in the UAE, price alone doesn’t tell the full story. Each motor insurer differs in how they structure coverage, handle repairs, offer add-ons and process claims. The comparison below highlights how leading car insurance providers differ across these practical aspects, so you can choose a policy that truly matches your vehicle. .
Insurer
Coverage Structure
Agency Repair Eligibility
Third-Party Property Damage Limit
Best Suited For
Get Quotes
Sukoon
TPL, Comprehensive & Privilege
Up to 3 years (Privilege plans)
AED 2,000,000
Luxury & premium vehicles
Orient Insurance
TPL & Motor Plus
First 3 years
AED 2,000,000
Families & long-term owners
Tokio Marine
Unified TPL & Comprehensive
First year only
AED 2,000,000
Risk-averse drivers
DNI
Unified TPL & Comprehensive
As brand new (initial period)
AED 2,000,000
Budget & older vehicles
QIC
Basic, Prestige & Prestige Plus
First 2 years (higher tiers)
AED 3,500,000
Drivers needing strong RSA
Methaq Takaful
Unified Motor Takaful
First year
AED 2,000,000
Sharia-compliant buyers
Watania Takaful
Unified Motor Takaful
First year
AED 2,000,000
Budget takaful customers
Note: Benefits may vary by vehicle age, insurer approval and selected plan
Motor Insurance VS Car Insurance - Explained!
Though motor insurance and car insurance are usually used interchangeably, there is a slight difference between them. Here is a detailed overview of these differences —
Features
Car Insurance
Motor Insurance
Definition
Insurance specifically for personal cars
Insurance for a broader range of motor vehicles – bikes, cars, buses, trucks, and other commercial fleet
Vehicle Type Covered
It covers only private cars
It covers a wider range of both personal and commercial motor vehicles
Legal Use
The term is commonly used in everyday conversations
This is more of a legal and policy documentation term
How to Buy Car Insurance Online in Dubai?
You can easily buy car insurance in Dubai on Policybazaar.ae. This is your one-stop portal for a variety of comprehensive and third-party plans.
To buy motor insurance from us, follow the steps mentioned below.
Fill out our application form here.
Once done, you will be taken to the quotes page
Here, you can easily compare plans — up to 5 policies at once
After finding the right plan, click on the premium amount tab
Follow the instructions thereon
Choose the Right Motor Insurance in Dubai Based on Your Neighbourhood!
While car insurance is mandatory, no plan fits all. Your motor insurance plan requirements can vary as per the area of Dubai you live and drive in, your car’s type, and many other factors. We understand how confusing it can be to decide which type of insurance suits you best. To help you out, we, at Policybazaar.ae, have identified region-specific needs for car insurance in Dubai.
Downtown Dubai - It is undoubtedly among the busiest and most high-traffic regions, with a degree of accident risk. Thus, experts highly recommend comprehensive car insurance. Including add-ons like roadside assistance and car rental benefits can be useful.
Jumeirah & Palm Jumeirah - These neighbourhoods usually have luxury cars and SUVs. Experts, therefore, recommend that you buy comprehensive motor insurance with maximum coverage. To keep the cars from unwelcome surprises, you should add riders like natural disaster cover for holistic protection.
Deira & Bur Dubai - These are older districts of Dubai with a mix of commercial and residential traffic. The range of cars driven and possessed in the region varies from budget-friendly cars to new or mid-range vehicles. Some drivers, therefore, can go for third-party insurance for affordability. For brand new and mid-range cars, comprehensive insurance is recommended.
Dubai Marina & Jumeirah Lake Towers (JLT) - These are two high-traffic areas with dense populations. Thus, to cover unwelcome surprises, experts recommend buying comprehensive auto insurance. It will cover both third-party liabilities (in case of collision) and damage to the own vehicle (in case of accident, theft, or fire).
Arabian Ranches & Al Barsha - These regions are home to family-focused communities with private villas and expensive cars. Thus, experts recommend that you buy comprehensive car insurance in Dubai to protect your car and family alike. You should also include add-ons like personal accident cover and roadside assistance if you travel a lot.
How to Renew Car Insurance in Dubai?
If you bought your current policy of motor insurance Dubai from Policybazaar.ae, the online car insurance renewal process would be smooth. Given below are the steps you need to follow to renew your vehicle insurance in Dubai:
Log in to your account on Policybazaar.ae and go to your user dashboard.
On your dashboard, you will find a car insurance renewal notification (an exclusive PB feature).
You will get two options - continue with the same plan or switch to a new plan. Choose your option.
If you opt to switch to a new plan, you will be directed to the Quotes page, where you can compare and choose the plan that best fits your needs.
After that, you can click on buy now tab.
Follow the instructions thereon.
Once done, make the payment and get your motor insurance policy renewed.
Note – You should renew your motor insurance in Dubai, on time to avoid any penalties. This is also important for renewing your Mulkiya.
What are the Documents Required to Buy or Renew Motor Insurance in Dubai?
Documents required to buy Car Insurance
Documents required to Renew Car Insurance
A valid driving licence
Bank statements
Emirates ID (for UAE nationals)
Passport and residence visa (for expatriates)
Confirmation letter for GCC-specified vehicles
A valid driving licence
Passing test certificate
Residence visa (for expatriate)
Emirates ID
No claim bonus certificate (if applicable)
Engine number, chassis number, and other details of the car (if required)
Previous insurance policy’s number
Top 10 Car Repairing Garages in Dubai with Approximate Repair Costs
Dubai hosts a range of car garages that offer a plethora of repair services. Here are the top 10 car garages in Dubai with approximate repair costs —
Garages
Average Minor Repair Costs
Average Major Repair Costs
AAA Garage
AED 500 to AED 700
AED 2,500 to AED 4,000
Premier Car Care
AED 550 to AED 800
AED 3,000 to AED 4,500
Zdegree
AED 400 to AED 600
AED 2,000 to AED 3,500
Max Garage
AED 500 to AED 750
AED 2,500 to AED 4,200
Fasttrack
AED 400 to AED 600
AED 2,000 to AED 3,200
QuickFit Auto
AED 450 to AED 650
AED 2,200 to AED 3,800
Dynatrade
AED 500 to AED 750
AED 2,800 to AED 4,200
AutoTrust
AED 450 to AED 700
AED 2,200 to AED 3,900
Radiant Car Care
AED 480 to AED 680
AED 2,400 to AED 4,000
Orange Auto
AED 500 to AED 700
AED 2,500 to AED 4,000
Disclaimer- These are estimated costs of major and minor repairs in top 10 car garages. Actual costs may vary as per the extent of damage, your car’s model, specific services required, and more.
Last Updated At - 14 April 2026
Get Car Insurance Quotes For Other Emirates of UAE
Vehicle insurance in Dubai is a policy that protects you from financial loss if your car is involved in an accident, theft, or damage. It may also cover injury or damage caused to other people, depending on the type of policy you choose. In the UAE, at least Third-Party Liability insurance is legally required to drive a car.
How about roadside assistance cover for my vehicle?
Usually, basic Third-Party Liability insurance does not include roadside assistance in Dubai. It is more commonly available as an add-on with comprehensive car insurance, although some insurers may include it in select plans. Roadside assistance can help with services like towing, battery jump-start, flat tyre change, and emergency fuel delivery.
What is No Claims Discount or No Claims Bonus in car insurance UAE?
No Claims Discount (NCD), also called No Claims Bonus, is a discount that the insurer gives when you complete a policy year without making any claim. It is applied to your renewal premium, which means your next policy may cost less. In many cases, the discount increases with each consecutive claim-free year, such as 10% after 1 year, 15% after 2 years, and often up to 20% or even more, depending on the insurer. NCD can also usually be transferred when you change your insurer or buy another car.
How to calculate my motor insurance in UAE premium?
Your motor insurance premium in the UAE is calculated based on several factors related to you and your car, such as:
Car value – The current market value of your vehicle affects the premium
Car details – Make, model, age, and variant of the vehicle matter
Driver profile – Age, driving experience, and claims history are considered
Type of cover – Comprehensive insurance costs more than Third-Party Liability
Add-ons – Covers like agency repair, Oman extension, and more can increase the premium
No Claims Discount (NCD) – A higher NCD can reduce your premium
Emirates Vehicle Gate (EVG) – Log in and check your vehicle’s insurance details
RTA website or app – Use the vehicle status or renewal section with your vehicle details
Insurer portal – Log in using your policy number or registered account
Policybazaar.ae account – If you got the policy through Policybazaar.ae, you can check your plan details there or contact support
How to find cheap car insurance in Dubai?
The best way to find cheap car insurance in Dubai is to compare quotes from different insurers first. After that, you can further reduce your premium by choosing the right options. Here are some useful ways:
Compare quotes from multiple insurers before buying
Go for non-agency repair if it suits your car and budget
Maintain a clean claims record to benefit from No Claims Discount
Choose Third-Party Liability cover for older or low-value cars if suitable
Is car insurance more expensive in Dubai than in other emirates?
In many cases, car insurance in Dubai can be more expensive than in some other emirates. This may happen because of factors like higher traffic density, accident exposure, and repair costs. However, the final premium still depends on your car, driver profile, coverage type, and insurer. So, while Dubai may be costlier in general, prices can vary from one case to another.
Which companies offer the cheapest car insurance in Dubai?
The cheapest car insurance company in Dubai can vary depending on your car model, age, driver profile, and the type of cover you choose. Since insurers use dynamic pricing, the lowest-priced option may change from time to time. That is why it is best to compare live quotes from different insurers on one platform before buying.
What is the minimum coverage required for car insurance in Dubai?
The minimum required coverage under car insurance in Dubai is Third-Party Liability (TPL) insurance, as mandated by UAE law. It covers:
Bodily injury or death caused to a third party
Damage to a third party’s property, such as their vehicle
It does not cover damage to your own car.
What is the renewal deadline for motor insurance in UAE?
Motor insurance in the UAE must be renewed before the end of a 13-month period (12 months of coverage + 1 month grace period). If you don’t renew your policy before this period ends, it can lead to:
Inability to renew your vehicle registration (Mulkiya)
Fines and black points if you are caught driving without valid insurance
Can I add extra cover to my car insurance in UAE?
Yes, you can add extra cover to your car insurance in the UAE, especially with a comprehensive policy. Some of the most common add-ons are:
Agency Repair Cover – Lets you get your car repaired at the manufacturer’s authorised garage
Roadside Assistance – Helps with towing, battery jump-start, flat tyre change, and fuel delivery
Personal Accident Cover – Provides financial protection for the driver and passengers in case of injury or death
Off-Road Cover – Useful if you drive your car in desert or off-road areas
Oman Cover – Extends your insurance protection when driving in Oman, depending on the policy
Check your original policy document – It is usually sent by the insurer as a PDF
Look at your vehicle Mulkiya (registration card) – Your policy number is often printed there
Log in to your insurer’s website or app – Your policy details are usually available in your account
Call customer support – Your insurer or insurance aggregator can help you retrieve it
If you got your policy through Policybazaar.ae, you can also call 800 800 001 for assistance.
What does 'own damage' cover mean in vehicle insurance in Dubai?
Own damage cover is a component of comprehensive car insurance that pays for repairs to your own vehicle, regardless of who caused the accident. It usually covers damage or loss caused by:
Accidental damage
Fire, theft, or vandalism
Natural disasters, depending on the policy wording
This cover applies only to your own insured car.
Can you transfer your motor insurance if you sell your vehicle in Dubai?
To the new owner: No, you usually cannot transfer your motor insurance policy to the new owner of the car. The buyer must purchase a new insurance policy in their own name to register the vehicle.
To your new car: Sometimes, yes. Some insurers may allow you to transfer the remaining policy coverage to another car you buy, provided the insurer approves it and you pay any difference in premium.
If the policy is not transferred to another vehicle, the insurer may cancel it and refund the unused portion, depending on the terms.
Can expatriates buy car insurance in Dubai?
Yes, absolutely. Expats can buy car insurance in Dubai if they have a valid UAE residence visa, Emirates ID, UAE driving licence, and vehicle registration card (Mulkiya). Some residents with licences from approved countries can also exchange their foreign driving licence for a UAE one.
What is the penalty for driving without car insurance in Dubai, UAE?
The penalty for driving without valid car insurance in Dubai is AED 500, 4 black points, and 7 days of vehicle impoundment.
What are the eligibility criteria to buy car insurance?
To buy car insurance in UAE, you generally need a valid driving licence, vehicle registration details, and valid ID documents. If you are an expat, insurers may also ask for your passport and residence visa copy. Some new residents with licences from approved countries may get the option to exchange their foreign licence for a UAE one before buying a policy.
Can I drive with my UAE policy outside the UAE?
No, a basic UAE car insurance policy does not automatically cover driving outside the UAE. If you want to drive in Oman or other GCC countries, you usually need an add-on such as Oman Extension or GCC cover. In many cases, it mainly covers damage to your own car. You’ll still need to arrange third-party cover separately.
What happens if my car is damaged in a flood in the UAE?
Flood damage to your car in the UAE is usually covered only if you have a comprehensive policy with the right cover for natural disasters. Third-party insurance does not cover damage to your own car. If your vehicle is submerged, don’t start it. Report the incident, get it towed, and file a claim with your insurer.
How do I make a car insurance claim in the UAE?
To make a car insurance claim in the UAE, first get a police report. Next, inform your insurer, submit the required documents, and follow the repair or settlement process shared by the insurer. In most cases, the insurer will inspect the vehicle and approve repair at a network or authorised garage.
What is agency repair in car insurance UAE?
Agency repair means your car is repaired at the official dealer or a manufacturer-authorised workshop. It usually offers genuine parts and specialised repair quality, but it costs more than non-agency repair cover.
What is the grace period for car insurance renewal in UAE?
The grace period for car insurance renewal in the UAE is 30 days. This is why UAE motor insurance is commonly valid for 13 months — 12 months of policy cover plus 1 month of grace period.
Tanvi Pathak
Team Lead-Content
Tanvi joined Policybazaar.ae as an insurance writer in 2022. Her focus areas have been term, life, and motor insurance. With an understanding of industry trends in UAE, she strives to deliver measurable results via informative blogs and conversion-centric landing pages. She is a goal-oriented professional with over 7 years of digital marketing experience. Her curiosity to stay updated with recent trends ensures that you keep in touch with every industry trend through her blogs, articles, and landing pages.
Reviews & Ratings
Find the best car insurance in Dubai with Policybazaar UAE! Compare & buy car insurance online in UAE @AED 630* from top insurers. Get Quotes Today!
★★★★★4.6 / 5
(based on 37,550 reviews)
Robin M ThomasDubai, 27 March 2026
★★★★★
Helpful and Convenient PlatformI was looking for a good car insurance policy at a fair price, and Policybazaar.ae gave me plenty of options. It made the decision much easier for me.
Shabbir TaiyabiDubai, 21 March 2026
★★★★★
Smooth From Start to FinishThe website was easy to understand, even for someone who does not know much about insurance. It helped me find a car insurance plan without feeling lost.
MarounAbu Dhabi, 4 March 2026
★★★★★
Saved Me So Much TimeI did not want to spend hours calling different companies for car insurance. On Policybazaar.ae, I could compare multiple plans in one place and save a lot of time.
Esraa SayedDubai, 26 February 2026
★★★★★
Simple Even for First-Time BuyersWhat I liked most was how smooth the whole process felt. From checking quotes to buying my motor insurance in the UAE, everything was quick, easy, and stress-free.
Sumedh korotuDubai, 14 February 2026
★★★★★
Easy to Compare and ChooseI was confused by all the car insurance options at first, but Policybazaar.ae made everything feel much simpler. I could compare plans easily and choose what suited my car and budget.
Zafran ZebRas Al Khaimah, 23 January 2026
★★★★★
Works Well Across Emirates – Even in Ras Al KhaimahMany platforms focus mainly on Dubai, but Policybazaar.ae worked perfectly for me in Ras Al Khaimah. I easily found car insurance Ras Al Khaimah options without any location-based issues. The process was smooth, pricing competitive and customer support responsive
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