Car Insurance Types in UAE - Explained

Here are the types of car insurance available, helping you make informed decisions that align with your needs. Stay protected and drive with confidence!

Car Insurance Types in UAE

Insurance for your car is a legal requirement in the UAE. You can find 2 main types of coverage — third-party and comprehensive motor insurance. Below is a detailed explanation of each.

Third-Party Car Insurance

This is the most basic and legally required type of car insurance in UAE. It protects you against the financial liabilities of injuries or death caused to a third party. The third-party liabilities extend to damage to their vehicles and property. However, note that it does not cover repair costs for your vehicle or medical expenses. This type of insurance is more affordable and is often opted for by drivers looking for cost-effective insurance options. If you have an old car, you can opt for third-party car insurance too. 

Comprehensive Car Insurance

As the name suggests, comprehensive car insurance provides broader coverage for your vehicle and third-party liabilities on the road. You are covered against third-party claims and damage to the insured vehicle in case of fire or accident. Additionally, your vehicle is also covered if it is stolen. 

This type of car insurance in UAE is widely recommended and opted for by new as well as old drivers, ensuring the safety of both parties. When you buy comprehensive motor insurance, you get agency repair for at least the first 3 years from the date of registration of a new car. You can also opt for add-ons like–

• Personal accident cover
• Roadside assistance
• Natural calamities cover
• Oman extension
• Vehicle replacement cover

To Conclude

In conclusion, choosing the right car insurance in the UAE is essential for every driver. Whether you opt for the budget-friendly third-party coverage or the comprehensive plan that offers extensive protection, understanding your options helps ensure peace of mind on the road. As the automotive landscape continues to evolve, consider your personal needs and driving habits to select the policy that best fits your lifestyle. Remember, investing in proper insurance today can save you from significant expenses tomorrow.