If you have a driving licence from any of the following countries, you can easily opt for licence exchange and have it converted to a UAE licence.
Car insurance is a type of insurance that provides coverage for damages to your car and for injuries to you or other people involved in an accident. It is required by law in most emirates, and it protects you from financial responsibility if you are involved in an accident that causes damage to your ...read more
T&C Apply
Some of the best and the cheapest car insurance quotes in Dubai are:
Planning to Buy Car Insurance in UAE, Let's First Understand - What is Car Insurance?
Car insurance is a type of general insurance that works to protect the vehicle, passengers and you the driver, from damages and loss incurred in an accident.
Driving may be therapeutic but it is not always one hundred percent safe. Going out on the road in your precious car puts you, the passengers and other drivers at the risk of accidents, sometimes totally unavoidable. This is where vehicle insurance steps in and make it necessary for everyone to buy Car Insurance UAE to ensure your peace regarding the safety of your vehicle. You pay a yearly premium to the insurance company for insurance. In return, it takes on the responsibility and risk of handling the repair expenses in the event of an accident/collision/theft/total loss of the car, partially or fully.
Key Features |
Car Insurance Benefits Offered |
---|---|
Coverage |
Comprehensive |
Third-Party Cover |
Mandatory, Up to 200,000 on Accident Benefits |
Coverage |
Up to AED 200,000. |
Minimum Premium |
Begin at AED 1300. |
Process for Claim |
Insurer Portals or Offline through their Local Branches. |
Claim Assistance |
Yes |
Savings |
Up to 45% |
Add-ons Covers |
Driver Cover, Passenger Cover, Natural Calamities, Replacement Of Vehicle, Roadside Assitance, Oman Cover |
Buy/Renew Process |
Online |
Car insurance can be of two main types – Comprehensive insurance and Third party Insurance. These two types of insurance are segregated on the basis of the coverage they offer, the scope and the tenure of the plan. It is mandatory to have at least a basic level car protection plan for your vehicle at all times. Any of the two types of available dubai car insurance can fulfill that requirement for you. Let’s examine all kinds of auto insurance:
A comprehensive insurance plan is designed to protect you from third-party liability claims as well as damages incurred by your vehicle and injuries sustained by the driver. Depending on the coverage scope of the plan, a comprehensive car protection plan can offer cover against damages caused by accidents, fire, natural disasters, man-made disasters, theft and collisions. Comprehensive car insurance UAE can get you any level of coverage that you are looking for with options to customize the benefits as well.
A third-party liability insurance plan is for all third-party claims in case of accidents where you are at fault. It is the most basic level of vehicle protection you will find anywhere in the world. Your vehicle is not protected or covered against any damages caused in an accident by a third-party liability insurance plan. All cars in the UAE are required to at least have valid third-party liability coverage at all times.
COVERAGE | THIRD PARTY COVER | STANDALONE OD COVER | COMPREHENSIVE COVER |
---|---|---|---|
Third-party bodily injuries |
✔ |
✖ |
✔ |
Third-party property damage |
✔ |
✖ |
✔ |
Car’s own damages |
✖ |
✔ |
✔ |
Personal accident coverage |
✔ |
✔ |
✔ |
Car Theft |
✖ |
✔ |
✔ |
Add-ons |
✖ |
✔ |
✔ |
Get Quotes Now |
Computing insurance premiums on your own can be a huge hassle. What you can do instead is use our car insurance calculator to get an estimate. Policybazaar UAE insurance premium calculator is an expertly crafted, online computation tool that helps in determining the estimated auto insurance premiums for your policy. Here’s a list of steps you can follow to use our car insurance calculator:
Let’s understand how the calculation of your auto insurance premium works with an example:
Factors Influencing vehicle insurance Premiums |
Value |
---|---|
Model Year | 2018 |
Brand new car/ Second Hand | No |
Car Type | Sedan |
Last Year's Claim? | No |
Car is Modified/ Non- GCC | No |
Car Value | AED 32,000 |
UAE driving experience | More than 1 year |
Driver Age | Greater than 25 yrs |
Premium | AED 840 + VAT |
Note: All mentioned amounts, premium rates, depreciation and add-ons in the above table have been assumed as an example. The actual rate of premium rates, depreciation rates and other amounts will differ as per industry trends and provider policies.
Finding the best motor insurance plan for your car in the UAE can be a lengthy process. However, there are a few simple tricks you can adopt to make sure you buy nothing but the best for your sweet ride. Given below are the top ways to find the best car insurance in Dubai:
Apart from fulfilling the mandatory requirements set by the UAE government, having a good and cheap car insurance plan can turn out to be a beneficial choice in many ways listed below:
The first benefit of getting a vehicle insurance plan is that you will be saved from any legal consequences related to the traffic rules. If you do not have valid car insurance UAE, you can face a fine of up to AED 500 along with 4 black points on your license. In addition to that, the vehicle can be confiscated as well. So, having a proper and valid car policy can save you from this ordeal.
The biggest financial setback you can get after an accident is third-party liability claims. If you have caused the accident and do not have a protection plan to cover the damages, the complete responsibility will fall upon you. You will not only have to carry the repairs for your vehicle but may also have to pay up third-party claims for vehicular damages and injuries. A good car insurance Dubai can save you from this problem at the least.
Having auto insurance at the best price rely upon grants you better stability when it comes to managing finances from Policybazaar. If you are at fault in an accident, your auto insurance online or offline will cover the damages incurred by your vehicle as well as the third-party liabilities. Whereas, if the other driver is at fault, the damages will be covered by the insurance provider of the other driver. In addition to that, your protection plan may also offer a helping hand if the other driver is underinsured or uninsured. Hence, saving you from most possible scenarios.
Another great benefit of having a car protection plan is that you will be covered against theft as well as complete loss of your vehicle. This means if your car happens to get stolen or meets total loss after an accident, the insurance company will reimburse you for the current market value of the car.
Given below is the complete set of documents you will need to buy or renew your car insurance UAE at any given time. Online purchases may only require you to submit the details with or without scanned versions of the documents. The offline purchase will require you to bring the originals as well as a few copies, as mentioned below:
Several factors can affect the price of your insurance plan for your car. Some of these are related to your car while others are completely dependent on the driver. Given below are the top factors that can influence the price of your car protection plan:
The older your car is, the more expensive it would get to insure it. Older cars are more susceptible to breaking down and facing other issues. This increases the risk that insurance companies take on when offering you an auto insurance plan. This also means that newer cars in top condition result in cheap car insurance Dubai. If your car is old but you have kept it in good running condition, you can easily score some discount on the insurance price. The same goes for newer cars in bad condition. You may have to pay higher insurance prices if the age of your car is significantly less but the condition is not good.
Younger drivers cause more accidents statistically. This leads to higher auto insurance prices when younger drivers are included in the picture. Significantly older drivers also represent the same trend of increased accidents and can inspire higher car policy prices. The simple calculation here is that more experienced drivers who are statistically less inclined to cause accidents get comparatively lesser prices in their insurance plan.
A good driving record in the UAE will earn you discounts on your auto insurance price while a bad one can jack it up pretty quickly. Your driving records are accessible by your auto insurance provider. A good driving record will show that you are a low-risk driver. This makes insurance companies lower their plan price or offer a discount. The opposite happens when you are a high-risk driver. The car insurance( تأمين السيارة) companies have to increase the price of the premium to manage the higher level of risk that auto insurance companies take on. So, maintaining a good driving record becomes one of the ways to find the best car insurance UAE.
Newer cars with higher market value or price attract equally high insurance prices. The reason here is that when an insurance company insures an expensive vehicle and pays for the repairs, it costs them equally higher. The lower market price of the car would mean significantly cheaper car protection because the insured declared value of the plan will go down simultaneously.
If you are the second owner of your car, you may have to check the claim history of the car when you buy it. If the previous owner of the car has made a lot of claims in the past, insurance companies may sell offer the new motor insurance plan at an increased price. The more claims you make against a policy, the higher risk your vehicle is considered for the insurance company. This is why the price of insurance plans increases several folds when the claim history is laden with several small and big claims.
Yet again, a car that has been involved in a lot of road accidents is susceptible to get higher auto insurance premiums. The reason remains the same – it is branded as a high-risk vehicle to insure for any insurance company out there. When a vehicle or a driver has a bad accident or traffic violation record, they become a liability to the insurance company. Hence, the premium increases when the owner sets out to buy or renew the plan every year.
Unrelated to the car or the driver-owner, the price of your auto insurance premium will also be influenced by the kind of services and benefits you opt for. As a thumb rule, a more comprehensive auto insurance plan would be more expensive than its basic counterpart. On top of that, if you go ahead and include a few add-ons or riders on it, the premium further increases.
When you choose to take higher amounts of deductibles with your car insurance UAE, the premium is lowered significantly and vice versa. The deductible is the amount that the policyholder pays out-of-pocket whenever a claim against the auto protection plan is submitted. The insurance company covers whatever cost remains after the payment of deductibles. This lowers the risk for insurance companies and hence the premium is lowered as a result.
Just like any other type of business out there, auto insurance companies keep rolling out promotions and special discounts. Some of these can be anniversary deals, festival bonuses, good driving discounts or simply online purchasing discounts. Depending on what you can score, your premium can go or higher. The way to find best car insurance Dubai is to scan such discounts and compare insurance quotes properly before buying
Following is a list of the best car insurance Dubai and the rest of the UAE and a brief on the types of insurance covers that they offer:
Car Insurance Company |
Types of Insurance Plans Offered |
|
---|---|---|
ADNIC | Platinum Cover Gold Cover Standard Cover | View Plans |
AXA Insurance | Comprehensive Insurance cover, Third-Party Liability Cover | View Plans |
RSA Insurance | Motor Executive (Comprehensive), Motor Smart (Comprehensive), Motor Value (Third-Party) | View Plans |
Oman Insurance | Comprehensive Cover Third-Party Insurance InsureMyTesla High Net Worth Covers (premium covers for luxury cars/vehicles) | View Plans |
Noor Takaful Insurance | Comprehensive Insurance, Third-Party Liability Insurance | View Plans |
Orient Insurance | Comprehensive Plans, Third-Party Liability Plans | View Plans |
Salama Insurance | Comprehensive Plans | View Plans |
Tokio Marine Insurance | Comprehensive Plans | View Plans |
New India Insurance | Third-Party Plans, Comprehensive Plans | View Plans |
RAK Insurance | Comprehensive and Third-Party liability | View Plans |
There are two basic ways to buy insurance plans for car in the UAE – online and offline.
To buy car insurance UAE online, you can either use the provider website or the Policybazaar UAE website. Simply log on to the website and enter your basic details on the lead form. A list of plans suiting your needs will appear after you submit the information form. Choose the auto insurance plan and the provider you like from this list and proceed with the purchasing procedure. Enter the registration details and other required information on the application form.
Finalise the purchase by making payments and completing the buying process. You can repeat the same steps to buy auto insurance UAE from provider websites. But you have to finalise the plan and provider beforehand in this situation since there won’t be much room to draw a comparison on the provider website.
To buy your auto insurance plan offline, visit the nearest branch office of your provider. Connect with one of the car policy brokers there or get in touch with the available representative. The assigned auto insurance broker will help you understand the process to buy car insurance Dubai offline and assist you along the way. Make sure that you bring physical copies of the required documents and originals as well.
Even though you have the liberty to buy your auto policy in whichever way you see fit, it is advisable to buy it online. A long list of benefits will follow your decision to buy car insurance UAE online. Given below are the top ones that you can consider:
At the time of issuing car insurance Dubai, and the UAE, there are some common services that are provided by insurance companies in the UAE. Let’s take a look at the inclusions here:
Also known as riders, add-ons are additional covers that you can buy with your car insurance Dubai for an additional price on top of the basic premium amount. Add-ons for car protection plans in the UAE can differ for all motor insurance companies in Dubai. Some benefits may be offered as an additional service by one provider while the other may offer it as a basic benefit of their auto insurance plans. It all depends on how comprehensive the basic coverage is. Given below is a list of all popular add-ons car insurance UAE:
Given below is a complete list of all the general exclusions of an auto insurance plan in the UAE. Many motor insurance companies in Dubai offer add-ons to cover some of these exclusions too.
No claim bonus is the reward you get when you spend the whole tenure of your car insurance Dubai without making even a single claim. Auto insurance providers offer a discount in the form of a claim bonus for policyholders. No-claim bonus keeps adding up for every consecutive year you do not submit a auto insurance claim in the UAE. The maximum amount of discount you can get on your vehicle insurance quotes as a no-claim bonus is 50%. Some special cases can even bag up to a 65% discount. All the best insurances UAE have the option to avail of no-claim bonus discounts. Here are some of the key facts you must know about no-claim bonus in the UAE:
City Based Auto Insurance |
||
Car Insurance Abu Dhabi | Car Insurance Al Ain | Car Insurance Sharjah |
The claim process for your auto insurance plan is pretty much the same for all the providers in the UAE. Given below are the basic steps you need to follow to submit a car insurance claim in UAE against your car insurance Dubai:
Follow the steps given below in case you find yourself in an accident:
Auto insurance renewal in Dubai is a very easy process. Given below are the steps you need to follow to renew your car insurance UAE:
Remember that the renewal process can differ a little bit for every provider. But the basics remain the same. Make sure that you read any additional information available for the renewal of your auto insurance plan. You can contact the provider to get a better idea.
Engine Damage and Auto Insurance Cover Guide | Guide to Renew Car Registration in Dubai & Abu Dhabi |
Car insurance Cover if my Friend is Driving my Vehicle in Dubai Guide |
|
With so many options available to purchase car insurance online, it has become easier to browse through a list of the best car insurances Dubai, and the rest of the UAE and opt for one that suits your needs. To bag yourself cheap car insurance Dubai and the rest of the UAE, all you have to is:
Policybazaar UAE is committed to offering an extensive range of insurance products to cater to the needs of a variety of vehicle owners. You can buy cheap car insurance Dubai and the UAE by comparing various plans at Policybazaar.ae. Apart from this, we allow you to easily navigate through a platform that lists some of the best car insurance Dubai online, all in one place. Here is a list of reasons for you to buy your online car insurance UAE from PolicyBazaar UAE: