# Car Insurance in Dubai, UAE **Published:** 2020-05-23 **Updated:** 2026-09-16 **Author:** Nupur Jain **Reviewer:** Toshita Chauhan Balochi **Original Url:** https://www.policybazaar.ae/car-insurance/ **We are Rated:** 4.7/5 **Review Count:** 44,602 [Reviews](https://maps.app.goo.gl/Ry9H7NLgFAGso8gZ7) **Insurance Partners:** 35+ **Trusted Customers:** 2 Million+ **Policies Sold:** 1 Million+ 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. ## What is Car Insurance? Car insurance (also known as Motor Insurance & Vehicle Insurance) is 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. In the UAE, car insurance is mandatory under Federal Decree-Law No. 14 of 2024 on Traffic Regulation. Every registered vehicle must have at least third-party liability cover to be driven legally. Driving without valid insurance can lead to a fine of AED 500, 4 black points on your licence and your car being impounded for 7 days. On Policybazaar.ae, you can compare car insurance plans from 35+ insurance partners, check premiums starting from AED 630\*, and buy or renew your policy online in just 30 seconds. The platform lets you check coverage details, premiums, add-ons, and insurer features side by side. This comparison-based approach makes it easier to find the right car insurance in the UAE without spending time checking insurers individually. ### Car Insurance in UAE - Key Facts at a Glance Here is a quick snapshot of how car insurance works in the UAE before we get into the details. | Key Feature | What You Get | | --- | --- | | Minimum legal cover | Third-party liability (mandatory to drive and register a car) | | Starting premium | From AED 630\* per year | | Third-party injury cover | Bodily injury / death: court-awarded amount, no upper limit.
Property damage: up to AED 2,000,000 per accident. (AED 200,000 sub-limit applies only if the insured’s spouse, parent or child dies.) | | Coverage types | Third-Party, Comprehensive, and Takaful (Sharia-compliant) | | Number of insurers | Compare 35+ Central Bank-approved insurers in one place | | Policy validity | 13 months (12 months + 1 month grace period) | | Payment option | Pay in full or in easy monthly instalments at zero interest (via Tabby on Policybazaar.ae) | | Claim process | Cashless agency/garage repair or reimbursement | | Buy / renew time | Online in about 30 seconds with instant policy issuance | | Common add-ons | Agency repair, natural calamity, Oman cover, roadside assistance, rental car | \*Premiums are starting prices based on Policybazaar.ae data as of June 2026. Your actual price depends on your car, driver profile and add-ons. ## Types of Car Insurance in UAE There are two types of car insurance in UAE. Third-party is the cheapest and the legal minimum as it only pays for damage you cause to others. Comprehensive costs more but also pays to fix your own car. Choose third-party for an older car, comprehensive for a new, financed or daily-use car. Both covers are sold by every major UAE insurer. The right one for you comes down to three things: your car's value, your budget, and how much protection you want. ### [Third Party Car Insurance](https://www.policybazaar.ae/third-party-car-insurance-cic/) Third-party is the minimum cover the law requires. It pays for injury, death or property damage you cause to others. However, it does not pay anything towards your own car, even if the crash was your fault ### [Comprehensive Car Insurance](https://www.policybazaar.ae/comprehensive-car-insurance-cic/) A comprehensive policy covers everything third-party does, plus your own car. It also pays for damage from accidents, fire, and theft. That wider protection is why it costs more. ### Third Party Vs Comprehensive Car Insurance Tabled below is a comparative overview of third-party and comprehensive motor insurance in Dubai & UAE. | Features | Comprehensive Insurance | Third-Party Liability | | --- | --- | --- | | Third-party Vehicle Damage; | ✅Yes | ✅Yes | | Third-party Bodily Injury | ✅Yes | ✅Yes | | Accidental Damage to the Insured Vehicle | ✅Yes | ❌No | | Theft or Fire Damage to the Vehicle; | ✅Yes | ❌No | | Natural Calamity Cover (optional) | ✅Yes | ❌No | | Personal Accident Cover (optional) | ✅Yes | ✅Yes | | Premiums | 🔼 Higher | 🔽 Lower | ## Why Should You Buy Car Insurance Through Policybazaar UAE? With impeccable customer service and value-added benefits, Policybazaar.ae constantly strives to deliver more than car insurance in Dubai, UAE. It is for this commitment that we have been recognised with several awards. In 2026, Policybazaar.ae was recognised as “Financial Services Tech of the Year” at the GCC Leadership Conclave. The list of accolades also includes 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. Compare Car Insurance PB Advantage Instant Issuance Customer satisfaction ### Here are the benefits of buying car insurance from us - * **Compare & buy online car insurance in Dubai, UAE from over 35+ RTA-approved car insurance companies in just 30 seconds** * **Enjoy exclusive PB Advantage perks like 12 free car washes, up to 30% safe driver discount\*, and so much more.** * **Avail of the instant policy issuance benefit with zero paperwork** * **Get cheapest car insurance Dubai & the UAE that more than 2 Million+** **customers trust.** **Bonus -** _Take advantage of world-class after-sales service including claim assistance_ ## How to Get Cheap Car Insurance in the UAE? - 2026 The cheapest car insurance in UAE starts at AED 630\* a year for third-party cover, while comprehensive plans start from around AED 1,350\*. The best way to find cheap car insurance in Dubai is to compare quotes, keep a clean driving record so you earn a No Claims Discount and pick only the add-ons you really need. Below is a live comparison of the most affordable car insurance plans across 35+ insurers. Prices are starting points and change based on your car and driver profile. | Insurer | Cover Type | Annual Premium | Notable Feature | | --- | --- | --- | --- | | Alliance Insurance | Comprehensive | AED 1,365 | Lowest comprehensive premium in this comparison | | Sukoon Insurance | Third-Party | AED 630 | Third-party cover; access to AG Cars premium garage network | | RAK Insurance | Third-Party | AED 630 | Joint-lowest third-party premium; insurer since 1974 | | Sukoon Insurance | Comprehensive | AED 1,470 | AG Cars garage network + new Motor War Cover add-on (2026) | | GIG Gulf Insurance | Comprehensive | AED 1,523 | Wide repair network and strong claims reputation | | RAK Insurance | Comprehensive | AED 1,523 | Agency repair up to 5 years; good for older and imported cars | | Watania Takaful | Takaful / Islamic | AED 1,575 | Sharia-compliant; Mumtaz & exclusive PB Auto Care variants | | Orient Insurance | Comprehensive | AED 1,727 | Al-Futtaim Group insurer (since 1982); A-rated, well-established | | Salama Insurance | Takaful / Islamic | AED 1,680 | UAE's largest Sharia-compliant Takaful provider | \*All prices in AED per year, based on a sample vehicle profile. Your quote may be lower or higher. Prices last verified June 2026. ## How Much Does Car Insurance Cost in the UAE? Car insurance in Dubai, UAE usually costs between AED 630 and AED 5,000+ a year. Third-party cover starts around AED 630, while comprehensive cover is generally 1.5% to 3% of your car's value and starts around AED 1,350 for a standard sedan. Your exact price depends on the cover type, your car and your driver profile. Here is a quick, real-world breakdown so you know what to expect before you get a quote. | Driver / Car Profile | Cover Type | Approx. Annual Premium | | --- | --- | --- | | Young driver (under 25), standard sedan | Comprehensive | Higher end (AED 1,800+) | | 30+ driver, clean record, standard sedan | Comprehensive | From around AED 1,350 | | Any driver, older or low-value car | Third-Party | From AED 630 | | EV or luxury car owner | Comprehensive | AED 3,000 – AED 8,000 | ## What Factors Affect Your Car Insurance Premium in the UAE? Your car insurance UAE premium is set by your driving history, your age, your car's make/value/age, the type of repair (agency or non-agency), the emirate where the car is registered, and the add-ons you choose. Driving history If you have past accidents or traffic violations, your premium can go up by around 10% to 15%. Driver's age Younger drivers (under 25) usually pay more, as insurers see them as higher risk. Car type and age Luxury and high-value cars cost more to insure because of pricey repairs. Older cars (usually over 5 years) can see a 15% to 20% rise. Repair type Plans with agency repair usually cost around 10% to 25% more than non-agency repair plans. Emirate and traffic density Busy, high-traffic areas have more accident claims. Thus, vehicle insurance premiums there can be higher. Add-ons selected Add-ons like personal accident cover or roadside assistance raise the premium, so pick only what you need ## What Does Car Insurance Cover and What Is Not Covered in UAE? Before you buy, it helps to know exactly what your motor insurance policy will and will not pay for. The list below shows the common inclusions and exclusions. Always read your policy document, as cover can vary slightly between insurers. What is Covered Third-Party Damage - repair cost for damage your car causes to someone else's car Damage to your own insured vehicle (comprehensive) Emergency medical expenses for you and your passengers after an accident Fire and theft of your vehicle Third-party liability: legal and financial costs from third-party injury or death What is not Covered Driving under the influence of alcohol or drugs Vehicle overloading: more passengers or cargo than allowed Intentional damage or losses caused on purpose Use of the car in criminal activity or hit-and-run Reckless driving, such as street racing or speeding ## List of Add-ons for Car Insurance in the UAE You can always upgrade your car insurance Dubai by adding riders or add-ons for a nominal additional premium. With [car insurance add-ons](https://www.policybazaar.ae/car-insurance/addons/), you get extra protection for your insured vehicle. **Some of the most common riders are –** ### Personal Accident Cover [Personal accident add-on](https://www.policybazaar.ae/car-insurance/addons-personal-accident-cover/) 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](https://www.policybazaar.ae/rain-damage-and-flood-coverage-with-best-car-insurance-in-uae-ciart/) 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](https://www.policybazaar.ae/car-insurance/addons-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](https://www.policybazaar.ae/car-insurance/addons-oman-extension/) add-on, you can plan your journey even better and extend your own policy’s coverage to Oman! ### GCC Cover [GCC cover](https://www.policybazaar.ae/car-insurance/articles/gcc-car-insurance/) extends your policy beyond the UAE to the other Gulf countries - Saudi Arabia, Oman, Qatar, Kuwait and Bahrain. With it, your car stays insured for accidents, damage or theft while you are driving in these countries, instead of being covered only inside the UAE. ## Get Car Insurance Quotes from Top Leading UAE Motor Insurers 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.** [GIG Gulf Insurance](https://www.policybazaar.ae/axa-car-insurance-cipvd/) [Fidelity United Insurance](https://www.policybazaar.ae/fidelity-united-car-insurance-cipvd/) [Watania Takaful Insurance](https://www.policybazaar.ae/insurance-companies/watania-takaful-car-insurance/) [Salama Insurance](https://www.policybazaar.ae/salama-islamic-arab-car-insurance-cipvd/) [QIC Insurance](https://www.policybazaar.ae/qatar-car-insurance-cipvd/) [ADNIC Insurance](https://www.policybazaar.ae/adnic-car-insurance-cipvd/) [DNIR Insurance](https://www.policybazaar.ae/dubai-national-car-insurance-cipvd/) [Arabia Insurance](https://www.policybazaar.ae/arabia-car-insurance-cipvd/) [New India Assurance Insurance](https://www.policybazaar.ae/new-india-assurance-car-insurance-cipvd/) [Oriental Insurance](https://www.policybazaar.ae/oriental-car-insurance-cipvd/) [Al Wathba Insurance](https://www.policybazaar.ae/al-wathba-car-insurance-cipvd/) [Orient Insurance](https://www.policybazaar.ae/orient-car-insurance-cipvd/) [Tokio Marine Insurance](https://www.policybazaar.ae/tokio-marine-car-insurance-cipvd/) [Union Insurance](https://www.policybazaar.ae/union-car-insurance-cipvd/) [Abu Dhabi National Takaful Insurance](https://www.policybazaar.ae/abu-dhabi-national-takaful-car-insurance-cipvd/) [Sukoon Insurance](https://www.policybazaar.ae/oman-car-insurance-cipvd/) [RAK Insurance](https://www.policybazaar.ae/rak-car-insurance-cipvd/) [Adamjee Insurance](https://www.policybazaar.ae/adamjee-car-insurance-cipvd/) [AFNIC Insurance](https://www.policybazaar.ae/afnic-car-insurance-cipvd/) [AL Sagr National Insurance](https://www.policybazaar.ae/al-sagr-national-car-insurance-cipvd/) [Alliance Insurance](https://www.policybazaar.ae/alliance-car-insurance-cipvd/) [DIC Car Insurance](https://www.policybazaar.ae/insurance-companies/dubai-insurance/) [Insurance House Insurance](https://www.policybazaar.ae/insurance-house-car-insurance-cipvd/) [Al Buhaira Insurance](https://www.policybazaar.ae/insurance-companies/al-buhaira-car-insurance/) [Al Ittihad Al Watani Insurance](https://www.policybazaar.ae/insurance-companies/al-ittihad-al-watani-car-insurance/) [Emirates Insurance](https://www.policybazaar.ae/insurance-companies/emirates-car-insurance/) [Methaq Takaful Insurance](https://www.policybazaar.ae/insurance-companies/methaq-takaful-car-insurance/) ## Can You Pay for Car Insurance in Monthly Installments in UAE? Yes. On Policybazaar.ae, you can pay your car insurance premium in easy monthly installments at zero interest, powered by Tabby. There is no minimum premium needed, no hidden charges and your cover starts the moment your first payment goes through. **Here's a simple example:** If your car insurance costs AED 3,000, you don't have to pay it all today. You can break it into 4 smaller monthly payments at zero extra cost - so your car is covered right away and your budget doesn't take a hit all at once. **What you get with zero-interest instalments:** * **Zero interest, always:** What you see is what you pay. No hidden charges for splitting your payment. * **Cover starts instantly:** The moment your payment goes through, your policy is active. No waiting. * **Works for all cover types:** Comprehensive or Third-Party - installments work for both. * **No minimum premium:** Even a lower premium qualifies for installments. ## How it works: Compare and choose your car insurance plan on Policybazaar.ae Select the installment option at checkout, powered by Tabby Your total is split into smaller, interest-free four monthly payments Complete checkout and drive covered from day one ## How to Buy Car Insurance in UAE Online in 30 Seconds on Policybazaar.ae? Buying car insurance on Policybazaar.ae takes about 30 seconds. Enter your car and contact details, compare quotes from 35+ insurers on one page, pick the plan that fits and pay online with instant policy issuance and zero paperwork. 1 **Fill in the form:** Enter your basic details like name, mobile number and car information in the quote form. 2 **See your quotes:** You'll be taken to the quotes page, where you can compare all plans at once. 3 **Compare and choose:** Check cover, premiums, add-ons and insurer features side by side. Pick the motor plan that suits you. 4 **Click the premium:** Select the premium amount of your chosen plan. 5 **Pay and get covered:** Follow the on-screen instructions, make the payment and get your policy issued instantly. _Need help choosing? Policybazaar.ae advisors can guide you through the options at no extra cost_ ## How Can You Compare Car Insurance in Dubai, UAE? You don't have to visit each insurer or fill in form after form to compare car insurance online. On Policybazaar.ae you enter your details once and see quotes from 35+ insurers on the same page. It's free and takes a couple of minutes. Here's how it works - 1 ### See all the quotes together: Put in your car and personal details once. You'll get car insurance quotes from 35+ insurers on a single page, with the price and cover type for each. 2 ### Filter the list: Sort by cover type (third-party, comprehensive or Takaful), price, insurer, agency repair, or add-ons like Oman cover and roadside assistance. That trims the list down to the plans that suit you. 3 ### Check the details before you decide: Price isn't everything. See how much excess you'd pay on a claim, which garages you can use and how the insurer handles claims. Then pick the one that works for your car and your budget. ## 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 Do You Renew Car Insurance in the UAE? If you bought your policy through Policybazaar.ae, car insurance renewal is smooth and takes only a few minutes. You can also use this as a chance to compare and switch to a plan that gives you more for less. Here's how. * Log in to your account on Policybazaar.ae and go to your dashboard./li> * You'll see a car insurance renewal notice - an exclusive PB UAE feature that reminds you before your policy lapses. * Choose one of two options: continue with the same plan or switch to a new one. * If you switch, you'll be taken to the Quotes page to compare and pick a better plan. * Click "Buy Now" and follow the on-screen steps. * Make the payment and your renewed motor insurance policy is issued instantly. _**Note :**Always renew your motor insurance on time. An expired policy can block your vehicle registration (Mulkiya) renewal and leave you driving uninsured._ ## What Documents Do You Need to Buy or Renew Motor Insurance in Dubai, UAE? The following documents are usually required to buy or renew car insurance in UAE - | Documents to Buy Car Insurance | Documents to Renew Car Insurance | | --- | --- | | Valid UAE driving licence | Valid UAE driving licence | | Emirates ID (for UAE nationals) | Emirates ID | | Passport and residence visa (for expats) | Residence visa (for expats) | | Bank statements (if requested) | Previous insurance policy number | | Confirmation letter for GCC-spec vehicles | No Claims certificate (if applicable) | | \- | Vehicle engine and chassis number (if required) | Note: Some insurers may ask for extra documents. Check the exact requirement before you apply ## Top 10 Car Repairing Garages in Dubai with Approximate Repair Costs Dubai has a diverse range of car garages - from budget-friendly workshops to luxury and EV specialists. Below are the top 10 garages with approximate minor and major repair costs, mechanical labour rates and the type of cars each garage handles best. | Garage | Garage type | Minor panel repair | Major panel repair | Mechanical labour rate | | --- | --- | --- | --- | --- | | Star Square Deal Motors | Premium body shop | AED 500 - 900 | AED 1,500 - 4,000 | AED 250 - 450/hr | | The Car Lab Auto Repair Center | Luxury specialist | AED 600 - 1,000 | AED 2,000 - 5,000 | AED 350 - 600/hr | | Gargash Auto Multi-Brand Car Service Centre (Al Quoz 4) | Multi-brand premium | AED 500 - 850 | AED 1,800 - 4,500 | AED 300 - 500/hr | | MBR Auto Services L.L.C & Garage | German specialist | AED 600 - 1,100 | AED 2,000 - 6,000 | AED 350 - 650/hr | | Automotive Repair Systems LLC (Al Quoz) | Body repair specialist | AED 450 - 800 | AED 1,500 - 3,500 | AED 220 - 400/hr | | PAL Auto Garage - PAL Platina, DIP 1 (Tesla Approved Bodyshop) | EV / Tesla specialist | AED 700 - 1,500 | AED 4,000 - 12,000 | AED 450 - 900/hr | | Al Nahdha Auto Garage | Budget-friendly | AED 300 - 650 | AED 1,000 - 2,800 | AED 150 - 300/hr | | Quick Service Auto Repairing | Fast turnaround | AED 350 - 700 | AED 1,200 - 3,000 | AED 180 - 320/hr | | Profix Auto Care Garage | General repair | AED 400 - 750 | AED 1,500 - 3,200 | AED 180 - 350/hr | | Bosch Car Service - Auto Hub Performance Garage | Bosch-certified | AED 500 - 900 | AED 1,800 - 4,000 | AED 300 - 550/hr | _**Source:**_ Cost ranges in this table have been verified through direct consultations with panel repair workshops across Dubai, cross-referenced with prevailing garage rate cards as of 2026. All garages listed are operational businesses with physical locations in Dubai. Always obtain a written quote before authorising any work. Policybazaar.ae is not affiliated with any of the listed garages. #### **Get Car Insurance Quotes For Other Emirates of UAE** * [Auto Insurance in Abu Dhabi](https://www.policybazaar.ae/car-insurance-abu-dhabi/) * [Sharjah Vehicle Insurance](https://www.policybazaar.ae/car-insurance-sharjah/) * [Car Insurance Ras al Khaimah](https://www.policybazaar.ae/car-insurance-ras-al-khaimah/) * [Auto Insurance in Al Ain](https://www.policybazaar.ae/car-insurance-al-ain/) * [Car Insurance in Ajman](https://www.policybazaar.ae/car-insurance-ajman/) * [Fujairah Motor Insurance](https://www.policybazaar.ae/car-insurance-fujairah/) ## FAQs on Car Insurance in UAE ### What is vehicle insurance in Dubai? 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. ### Does car insurance include roadside assistance in Dubai? 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 is my motor insurance premium calculated in the UAE? Your [motor insurance premium](https://www.policybazaar.ae/car-insurance-calculator-uae/) 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 You can also use the Policybazaar.ae car insurance calculator for a quick estimate ### How to check the status of car insurance online? You can [check your car insurance status online](https://www.policybazaar.ae/how-to-check-car-insurance-status-online-for-your-policy-ciart/) through official platforms and insurer portals in the UAE. Common ways include: * **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. ### 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 These add-ons may vary by insurer and plan. ### How to find my auto insurance policy number? **Here are some easy ways to find your [auto insurance policy number](https://www.policybazaar.ae/find-your-car-insurance-policy-number-ciart/):** * **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 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. ### 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.