Car Insurance in UAE | Motor Insurance UAE @630*

Car Insurance UAE

Car insurance is necessary to drive in the UAE. It not only covers damages to others due to collision but also damages to your own vehicle. ...read more

Why Should You Buy Car Insurance UAE?

Driving without valid motor insurance in UAE is illegal and risky for your own self. In case of any accident or theft, you will need to manage all the liabilities and losses from your own pocket.

Without a car insurance plan, you get –

4 black points against the driving licence
Fine of AED 500
You cannot renew your Mulkiya without a valid vehicle insurance in UAE
Lack of valid insurance can even lead to vehicle impoundment for up to 7 days

Note – You should have at least third-party car insurance to avoid legal troubles and unwelcome surprises on the road.

In addition to the legal requirements, if you buy your UAE motor insurance from Policybazaar.ae, you get the following benefits –

12 free car washes

Up to 30% safe driver discount

20% discount on car repairs

50% off on car servicing

Types of Vehicle Insurance UAE

When it comes to buying motor insurance, you need to understand its types. There are 2 types of car insurance in UAE — Third-party car insurance and comprehensive car insurance.

Third-Party Vehicle Insurance UAE

1. Death due to natural causes or medical conditions

2. Covers only damages and injuries your insured vehicle causes to others

3. Ideal for older or economical vehicles

Comprehensive Vehicle Insurance UAE

1. Covers third-party and own vehicle damages

2. Coverage for the insured vehicle in case of fire and theft

3. Flexibility to customise the plan with add-ons like roadside assistance, personal accident benefit, and Oman extension

4. Suitable for new, luxury, vintage, and high-value vehicles

Best Car Insurance Companies in UAE

Here are the top motor insurance companies in the UAE.

Companies	Features	Suitable For
Sukoon Insurance	24/7 roadside assistance across the UAE and GCC, a wide garage network, partnership with AG Cars	Luxury vehicles, SUVs, Sedans, Hatchbacks
Watania Takaful	Agency repairs, affordable plans, quick and efficient claim process	EVs, hybrid cars, fuel-driven vehicles
GIG Gulf Insurance	Exclusive offers, transparent claim process, 24/7 multilingual customer support	Toyota, Lexus, Nissan
Tokio Marine and Nichido Fire	Premium agency repair, purchase price option for used cars, and claim forgiveness coverage	Used cars and affordable vehicles
Orient Insurance	Extensive garage network, customisable plans for residents, 24/7 roadside assistance	All vehicle types

Tip – Always compare plans before the purchase. Check their benefits and premiums on portals like Policybazaar.ae. Here, you can find policies from reliable and RTA-approved top motor insurance companies. Get quotes in just 30 seconds!

How Much Does Car Insurance Cost UAE?

Estimating the real-time premium for car insurance in UAE can be a tough task. Several factors influence the premium rate. However, the annual premiums for comprehensive plans range between AED 1,200 and AED 5,000. Third-party plans, on the other hand, cost between AED 450 and AED 1,000.

How Does Car Insurance Work in Different Emirates of UAE?

Here is how UAE motor insurance works in different emirates —

Dubai

Regulator – Dubai Roads and Transport Authority (RTA)
Requirement – All vehicles must have valid car insurance to be registered

Abu Dhabi

Regulator – ITC/Muroor
Requirement – Insurance is mandatory before renewal/registration

Sharjah

Regulators – Sharjah Roads and Transport Authority, Sharjah Police’s Licensing Department
Requirement – Insurance is mandatory for vehicle registration

*Premiums are usually lower than that in Dubai.

Other Emirates

Regulators – Ministry of Interior and Local Traffic Police Department
Requirements – Insurance coverage is mandatory in other emirates as well

Frequently Asked Questions

You need to have at least third-party liability insurance to drive in the UAE.

Third-party car insurance is the most affordable option as it only covers third-party liabilities.

Comprehensive car insurance costs usually range between AED 1,200 and AED 5,000. Third-party motor insurance generally ranges from AED 450 to AED 1,000.

If you drive an uninsured vehicle, you would need to pay a fine of AED 500. The authorities will also levy 4 black points on your driving licence.

You should renew the vehicle insurance within 13 months of purchase. Ideally, the insurance is valid for 12 months. An additional 1 month is a grace period for policy renewal.