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Car Insurance

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  • Free Roadside Assistance
  • Free Dynatrade repair and Replacement of vehicle for 10 Days
  • Free Driver and Passenger Cover and More...

About Car Insurance

Car insurance is a kind of insurance that protects your prized possession against the odds while on road. It takes care of all the expenses incurred due to unforeseen events such as theft, accident, mishaps, and third-party liability. You can protect your car and yourself from all the financial contingencies including legal liability, expenses resulting from a traffic collision, physical damages, and bodily injury to you or a third-party.

Benefits of having Car Insurance in UAE

Here are the benefits of having car insurance:

  • Protection from loss of car or damage to your vehicle
  • Unlimited liability for third party death or injury claims
  • Indemnity for third-party property damage
  • Protection from financial liability

Types of Car Insurance in the UAE

Mentioned below are 2 different types of car insurance policies offered in the UAE. Based on the preference, one can easily compare car insurance online -

Third Party Liability Car Insurance

It is mandatory to have third-party liability insurance for every car owner in the UAE. It is the most basic form of car insurance Dubai, as it offers protection against any liability arising due to third-party bodily injuries or property damage caused by the insured vehicle.

Policy holder’s own damage like accidental collision, fire, and theft is not covered by third-party insurance. Anyone who is buying third-party insurance should be ready to meet the repair expenses arising from an accident on their own.

Comprehensive Car Insurance

Comprehensive car Insurance protects the insured vehicle from all the damages arising out of theft or fire, and also pays out to the third party libility in case of an accident leading to damage, injury or death to a third party.

How to Find Cheap Car Insurance in UAE?

Opting for the cheap and best car insurance in Dubai & UAE is as easy as ABC.

A. Fill in an Online Form

First of all, policy seekers need to enter their personal as well as car details in order to look for the best car insurance deals at competitive premium rates available in the market.

B. Compare & Choose the Best Car Insurance in UAE

In order to opt for the best deal, compare car insurance in UAE and select the one that meets your car insurance needs at an affordable premium.

C. Make a Payment

A policy seeker can easily make payments as we offer instant and secure online payment with debit or credit cards.

Best car Insurance Plans

Motor Insurance Insurer Features & Benefits Eligibility Criteria

Oriental Car Insurance

  • Comprehensive cover
  • Third-party liability cover
  • Motor fleet - comprehensive insurance
  • Coverage against loss or damage arising due to accident, collision or overturning of the vehicle
  • External explosion and fire cover
  • Theft cover
  • Roadside assistance
  • UAE Nationals/A passport with UAE residence visa (for expats)
  • UAE driving license
  • Geographical coverage limits UAE

New India Assurance Car Insurance

  • Comprehensive & third-party liability cover
  • Fleet auto insurance
  • Coverage against loss or damage arising due to accident, collision, & overturning of the vehicle
  • Theft or burglary cover
  • Coverage against the malicious act of any third-party
  • UAE Nationals/A passport with UAE residence visa (for expats)
  • Vehicle registration proof
  • Valid UAE driving license

Salama Islamic Arab Car Insurance

  • Comprehensive & third-party liability cover
  • Accidental loss or damage coverage
  • Burglary or theft cover
  • An external explosion and self-ignition cover
  • Coverage against the malicious act of any third-party
  • UAE Nationals/A passport with UAE residence visa (for expats)
  • Valid UAE License
  • Vehicle should be legally registered

Union Car Insurance

  • No claim discount
  • Personal accident coverage a maximum of AED 1 million
  • Personal belongings cover
  • Superior auto assist – airport pick and drop facility
  • Emergency medical assistance
  • UAE Nationals/A passport with UAE residence visa (for expats)
  • Hold a valid registration vehicle card
  • Car modification certificate ( if any)
  • Valid UAE driving license

Watania Car Insurance

  • Comprehensive & third-party takaful
  • 24 hours roadside assistance
  • Mulkiya renewal registration facility
  • International driving license registration support
  • Accidental damage cover
  • Fire and theft cover
  • Coverage against natural calamities
  • UAE Nationals/A passport with UAE residence visa (for expats)
  • Authorized UAE driving license
  • Vehicle registration proof

Adamjee Car Insurance

  • Comprehensive cover
  • Third-party coverage
  • Competitive rates of premium
  • Largest dealer network support
    throughout the country
  • Coverage against theft
  • Coverage against accidental
    damages
  • Round the clock customer support
  • UAE Nationals/A passport with UAE residence visa (for expats)
  • Authorized UAE
    driving license
  • Proof of vehicle registration

Al Sagr Car Insurance

 

  • Damage, loss, and third party (comprehensive cover)
  • Third-party liability cover
  • Geographical areas coverage
  • Personal accident cover

 

  • UAE Nationals/A passport with UAE residence visa (for expats)
  • Valid UAE driving license
  • Proof of vehicle registration

Noor Takaful Car Insurance

 

  • Comprehensive and third-party liability cover
  • Third party property damage cover up to AED 2 M
  • Third-party bodily injury
  • Coverage against natural calamities
  • 24x7 roadside assistance
  • Standard agency repair for up to 3 years
  • No claim discount benefit
  • Emergency medical expenses for up to AED 4,000
  • Personal belongings cover for up to AED 4,000
  • Windscreen excess waiver for up to AED 3,500
  • Car replacement service for up to six months
  • Valet parking cover
  • Oman extension cover
  • Off-road coverage
  • Can rental service for up to a period of seven days

 

  • UAE Nationals/A passport with UAE residence visa (for expats)
  • Valid UAE driving license
  • Vehicle registration proof

What Do Car Insurance Policies Cover?

These are some of the common services provided to the policyholders:

  • Towing Assistance - If the vehicle breaks down or meets with an accident, the transport facilities or towing assistance to the nearest shop is provided. This service provided by the Roadside assistance service if included in the insurance policy.
  • Extraction and Removal - Crane assistance is provided to remove or extract the insured car from the place of incident in case of breakdown due to an accident.
  • Flat or Leaking Tyre Assistance - In case any of the tyres go flat, the insurer will provide assistance to remove or replace it without any labor charges.
  • Dead Battery and Refueling - In this case, assistance is provided to jump-start the engine so that it can be taken to the nearest garage for repair. Fuel assistance is provided if the vehicle runs out of fuel while driving on the road.
  • Unlocking Ignition Key - Roadside assistance is provided to unlock the car, in case the keys are accidentally left inside the car.

Additional Covers

Add-on benefits can be added to the base policy to enhance the scope of coverage.

  • Personal Accident Cover - The driver and passengers can avail the benefit in case any of them die or sustain an injury physically due to the accident
  • Off-road Coverage - Policyholders can enjoy coverage against any mishap to the vehicle while driving off the roads.
  • Windscreen Damage Cover - Not every insurance company in UAE provides this benefit that provides coverage against replacement or repair of the damaged or broken windscreen.
  • Agency Repairs - Most of the vehicle insurance providers in the UAE offer an extension of agency repair services for up to 5 years.
  • Car Hire Cover or Car Cash Benefit - These are part of the most frequently used optional benefits for motor insurance in Dubai. The provider will compensate for the cost of hiring a spare vehicle. A few motor insurance companies in Dubai offer courtesy cash while the insured vehicle undergoes repairs. Meanwhile, the policyholder can hire another car at the expense of the insurer.
  • 24 Hours Roadside Assistance - Car insurance in UAE comes with roadside assistance facility, in case the insured vehicle breakdowns or if an emergency arises.
  • Coverage to Personal Belongings or Emergency Medical Expenses - In a majority of cases, the policyholders enjoy coverage for personal belongings against loss or damage. Some insurance companies also offer the facility of availing emergency medical charges.
  • Large Third-Party Cover - The policyholders get massive third-party coverage.
  • Free Pick-Up and Drop-Off - A few insurance companies in Dubai offer free pick up and drop off services to the airport.
  • Natural Calamity Cover - A majority of motor insurance companies provide coverage in case of natural calamities.
  • Grace Renewal Period - In case a policy lapses, a few providers offer a grace period of 1 month to renew their vehicle insurance plan.
  • GCC Cover/Oman Cover - People who drive often to neighboring countries, this is a must for them as it provides territorial coverage.

What Do Car Insurance Policies Not Cover?

Car Insurance in Dubai will cease to exist in the following circumstances:

  • Driving with an Invalid License or Under the Influence of Intoxicants  - If the driver drives with an invalid Driving License or under the influence of intoxicants such as alcohol, drugs, etc., and meets with an accident.
  • Overloading - In case the insured automobile was overloaded or was encumbered beyond the defined capacity.
  • Providing Misleading Information or Intentional Damage- In case false or misleading information is provided to the insurance provider at the time of buying the insurance plan. Or, if it's proved that the damage/accident was caused intentionally.
  • Unethical Use of Insured Vehicle - In case the insured vehicle is used for any purpose except as mentioned in the insurance policy.
  • Claims Filed After 3 Years - Motor Insurance providers in Dubai don't entertain claims registered 3 years after the accident.

No Claim Bonus/Discount

No claim bonus is a discount offered to the policyholder for not claiming the insurance policy. It can be availed while renewing the policy. Some of the unique features of NCB include:

  • No claim discount benefit is transferable at the time of renewal or porting
  • A no claim certificate is required from the insurance provider to transfer the accrued NCB benefit
  • No claim discount is one of the most reliable ways of reducing car insurance premium which is applicable in comprehensive car insurance
  • No claim discount upto 20%, which can be further utilized as a discount in the premium for the subsequent year
  • The no claim discount may vary for different car insurance companies in Dubai or other Emirates

 Car Insurance Calculator

Car insurance calculator is a virtual simulation that helps buyers to compare and analyze quotes from different car insurance providers. The virtual tool takes different personal and car-related factors into consideration while calculating the premium of car insurance in UAE and helps buyers to get the best plan based on their individual set of requirements.

Comparing car insurance via car insurance calculator helps buyers to save money and get the best-suited plan at the lowest cost. Furthermore, since the car insurance calculator is a virtual simulation that works on well-structured algorithms the information provided is highly precise and accurate.

The following factors play a crucial role in determining the premium for car insurance in UAE:

  • The manufacturer, model and make of the car are vital in determining the premium of car insurance. Typically, expensive and luxury cars tend to have a higher premium when compared to mid-range hatchbacks and sedans
  • The purpose for which the vehicle is being used is another important factor
  • Claim history and driving record of the owner
  • The market value of the vehicle
  • Manufacturing year of the vehicle

How to Select the Best Car Insurance Plan in UAE?

The below-mentioned tips can go hand-in-hand when it comes to ensuring the best car insurance in UAE:

Understand Your Insurance Needs and Expectations

When you know what you want, it becomes easier to analyze whether a plan fulfils your car insurance expectations or not.

Reputation and Reliability of the Insurance Provider 

Financial background of the insurance provider plays an important role in ensuring the best car insurance in UAE. A provider with a good market reputation will always ensure timely settlement of claims, with no hassle.

Compare Plans and Prices 

When it comes to buying a car insurance plan, one plan doesn’t fit all so don’t just pick the first car insurance quote you come across. Instead of that, practice car insurance compare Dubai and pick the one that fulfils your insurance needs at an affordable premium. By comparing online car insurance Dubai, a quick and informed insurance decision can be ensured.

Evaluate the Insurance Coverage 

Always analyse the coverage offered by a provider and make sure it is at par your expectation. Restrain from buying inadequate insurance coverage and regret in the future.

What Details are Required to Ensure Cheap Car Insurance?

To ensure the right car insurance UAE, the online comparison is a must. The details that are required to get a quote include:

  • Car details
  • Details of driving license
  • Record of any previous car insurance claim
  • Name & license details of other drivers added in the policy
  • Details of No Claim Bonus

Documents Required To Purchase or Renew Your Car Insurance

If you are renewing your car insurance plan from a different insurance provider, then you will need the following documents –

  • Driving License
  • Mulkiya
  • Emirates ID
  • However, documents may vary from case to case 

Best Car Insurance Companies in UAE

Below mentioned are a few renowned car insurance companies who claim to provide the best car insurance in UAE. Here we go:

Salama Islamic Arab Insurance Company

Salma Islamic Arab Insurance Company aspires to be the top insurance company by offering innovative and tailor-made Takaful car insurance plans. The company religiously follows Shari’ah principles in order to conduct their business. Car insurance offered by the provider can be a good option to provide round-the-clock protection to the insured vehicle. 

Oriental Insurance

The Oriental Insurance Company is one of the prominent names in the Indian General Insurance market. During these 65 years, the company has expanded its operations overseas, including the UAE. Since 1960, it has been operating in collaboration with Armab Insurance Works LLC. Oriental Insurance also extends support to other companies operating in the Gulf Cooperation Council (GCC). Today, it has been counted among one of the leading Motor Insurance providers in the UAE.

Adamjee Insurance Company Limited

Adamjee Insurance Co. Ltd. is one of the top insurance providers in Pakistan. AICL has registered its presence in the UAE and is committed to offering the best car insurance in Dubai and the UAE. AICL’s has earned the trust of various insurance buyers in the UAE by offering best car insurance plans that fulfill the insurance expectations of the insurance seekers.

New India Assurance

New India Assurance Company Ltd. is a General Insurance Company that was founded in the year 1919 by Sir Dorabji Tata. Today, the company operates in 28 countries and the UAE is one of its prime overseas locations. The New India Assurance offers insurance for cars by keeping the needs of the car owners of this region in mind.

Union Insurance

The Union Insurance company was established in the year 1998, and it is listed on the Security Exchanges of Abu Dhabi. Certified by the UAE Insurance Authority, the pocket-friendly yet comprehensive car insurance packages of this company fit the ever-evolving requirements of the car owners of the country.

Watania Insurance

Founded in the year 2011, Watania Insurance is a collaboration of Abu Dhabi National Insurance Company, Abu Dhabi National Energy Company, Abu Dhabi National Islamic Finance, and Aldar Properties. The company has been growing rapidly with leading companies having their shares such as MB Investment has 52% stakes, Al Madina Takaful (Oman) has 9.54% stake, ADNIF has 15.74% stake, and Bin Harmal has 8.37% stake in the company.

How to File a Claim for Car Insurance in UAE?

If the right claim filing procedure isn't followed, your claim might get rejected. Follow the steps mentioned below if you have to file a car insurance claim in Dubai, UAE:

Step 1 Inform the Insurer ASAP

Contact your car insurance provider as soon as possible to ensure a fast and hasslefree claim settlement in the UAE.

Step 2 - Cooperate and Provide Complete Information

Notify the insurance provider with the complete information supporting your claim such as your full name, policy number, policy duration, date & time of the accident, a copy of the driver's license & license plate number of the involved parties, names & contact details of the involved people

Step 3 File a Police Report

In case of accidental and theft claim, visit the nearby police station and file a complaint. Make sure you get a copy of your complaint as some car insurance providers ask for it.

Step 4 - Get the Vehicle Supervised

Once you have informed your auto insurance provider, a  surveyor will be assigned  to assess your case. The surveyor will evaluate your case and will inspect and examine your vehicle so that your claim could be duly processed.

Step 5 Final Settlement

Once the insurer receives the surveyor’s report on the damage and actual cost of repair, your case will be resolved by applying terms and conditions of your opted plan and its coverage offered. In case of cashless claim, the incurred expense will be directly paid to the network garage.

Why buy Car Insurance through Policybazaar.ae?

Policybazaar.ae, a group company of Policybazaar.com - India’s largest insurance web aggregator, strives to offer an extensive range of insurance products to cater to the needs of different vehicle owners. You can buy cheap car insurance in UAE by comparing various plans with Policybazaar.ae. Apart from a quick and simple comparison of various car insurance policies, some of the obvious reasons to choose Policybazaar.ae are:

  • Instant offers on car insurance Dubai online.
  • You can compare car insurance plans and their features offered various car insurance UAE providers and selecting the best and the cheapest car insurance in UAE that matches the requirements of the customers.
  • Offers the most affordable and suitable car insurance policies by comparing among the largest car insurance companies in Dubai and other emirates of the UAE.
  • If a customer needs assistance, we can provide the help of our insurance advisors either via email or by phone.
  • Provision of after-sales service, which offers unparalleled sales assistance to the customers even after buying car insurance in UAE.

To Summing it Up!

While buying car insurance in Dubai or any other emirate of the UAE, you must do thorough research and take a call only after you are satisfied. Finding the best car insurance in UAE can be baffling at times. Buy only after ensuring car insurance compare Dubai. Also, go through the terms and conditions of your car insurance policy carefully before making a deal. A lot of insurance buyers take the premiums into consideration while purchasing a car policy; however, it makes more sense to take all the necessary factors into consideration including the inclusions and exclusions, insurers market reputation or claim settlement ratio etc. that may have a major effect in the future.

FAQ's

What is the Validity of a Vehicle Insurance Plan?

A vehicle insurance plan is valid for 12 months and has to be renewed annually. In case you fail to renew your plan, a 1-month grace period is offered so that you can renew your vehicle insurance plan. This way, the status of your plan can remain active.

How is the Car Insurance Premium Formulated?

The premium you pay for availing car insurance is affected by several factors such as the following

  1. Driver’s age
  2. Driver’s experience
  3. Make and model of the vehicle
  4. Vehicle’s age
  5. Car’s value
  6. Driver’s claim history
  7. Type of car insurance plan and the add-on covers.
What is Comprehensive Insurance Coverage?

A comprehensive insurance plan includes the benefits of a third-party liability plan with that of own damage plan. It provides insurance coverage for damage repair expenses of your own automobile and those of any property because of a road mishap.

Apart from accidents, the instances mentioned below are covered as well.

  1. Fire
  2. Overturning
  3. External explosion
  4. Theft
  5. Burglary
  6. Repairs
  7. Damage caused to your vehicle by any third-party on purpose

Since a comprehensive insurance plan offers enhanced insurance benefits, it comes at a higher insurance premium for obvious reasons. While a comprehensive insurance plan offers adequate insurance coverage, it is available only if your car is less than seven years old.

If you buy a comprehensive insurance plan, you can opt for some add-on covers in order to avail the desired coverage. Add-ons like personal accident cover, death cover for the driver as well as other passengers, an extension of the area(cross-country) to file a claim, coverage for rental vehicles etc. are widely opted for by the insurance buyers.

What is Third-Party Liability Coverage?

If you buy third-party liability coverage, you can enjoy insurance coverage for damages caused to a third-party in case your vehicle meets with an accident. It provides coverage in case there is a loss of life or any bodily injuries caused or damages are caused to a third-party’s property because of an accident caused by your car.

While it comes at an affordable premium, it doesn’t offer coverage for any damage caused to your own automobile.

Is it Necessary to Buy Car Insurance in UAE?

By Law we need to have car insurance to drive a vehicle legally in UAE.

What is the Difference between Comprehensive Insurance Plan and Third-Party Liability Insurance Plan?

Here is the difference between a comprehensive insurance plan and a third-party liability car insurance plan.

 Third-Party Liability Insurance Plan Comprehensive Insurance Plan

Vehicle insurance plans purchased to cover third-party liability are formulated to cover bodily injuries/ death of a third-party along with the damages caused to the property of the third-party by the insured vehicle.

The insured car doesn’t enjoy any insurance coverage in the event of a loss or damage under the third-party plan. As per UAE laws, it is mandatory for vehicle owners to buy auto insurance plans for their vehicles to cover any third-party liability.

 

Comprehensive insurance plans offer adequate insurance coverage against damages or losses caused by third-parties along with own damages.

 It provides insurance coverage against burglary, theft, fire, accidental collisions, self-ignition, lightning, external explosions, etc.

In Case I Sell my Vehicle, can my Policy be Transferred to the New Buyer?

No. Your insurance premium is calculated on the basis of your profile, so your insurance policy can’t be transferred to the new buyer. In case you plan to sell your car, you’ll first have to cancel your insurance plan so that the new car owner can buy a fresh insurance plan.

Do I Get Coverage for any Damage Caused Off the Road?

Yes, some auto insurance plans provide coverage for off-road damages. However, the insurance can only be claimed if the automobile is used for the purposes mentioned in the policy. In case it is being used for competitive events or race events, no coverage will be provided. While the T&C (terms & conditions) for off-road cover varies from insurance company to insurance company, make sure you read the policy wording carefully before buying.

What are the Factors that Affect Car Insurance Premium?

There are various factors that affect your car insurance premium. These factors include the driver’s age, the driver’s location, vehicle type, vehicle’s value, claims history and the insurance buyer’s driving experience.

What are the Eligibility Criteria for Purchasing Motor Insurance in UAE?

Anyone can buy car insurance in UAE provided he/she is a resident and falls in the age group from 25 years old to 65 years of age, having a valid driving license since 1 year or 2 years in case they have transferred from another country to UAE.