Car Insurance Dubai & UAE

Buy Car Insurance in 20 Seconds!

Car Insurance in Dubai & UAE
Exclusive Offer
Pay 25% Now And Rest Over 3 Months

T&C Apply

akshay-img
Secure your car starting @ AED 360
Secure your car starting @ AED 360
  • Nissan
  • Toyota
  • Mitsubishi
  • Honda
  • Hyundai
  • Ford
  • Mercedes
  • Audi

Car Insurance is a reassurance from insurance providers that your investment in the said vehicle is safe if you meet with an accident or the vehicle is stolen, damaged or vandalized for a variety of reasons. Instead of paying out-of-pocket, the insurance company pays costs associated with damages in exchange for certain annual premiums.

What is Car Insurance?

Car insurance UAE 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 to ensure your peace regarding the safety of your vehicle. You pay a yearly premium to the insurance company for car insurance Dubai. 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 of Car Insurance Policy in the UAE

Car Insurance Dubai Key Features Benefits Offered

Coverage in case  of self-inflicted damage

Covered under full-time comprehensive as well as standalone plans.

Third-Party Liability Cover

Mandatory as stipulated by the law in the UAE, accident benefit to passengers to the amount of AED 200,000.

Coverage in case of Personal accident

Up to AED 200,000.

Minimum Policy premium payable in lieu of vehicle insurance

Car insurance premiums begin at AED 1300.

Process for initiating claims

Can be done online through dedicated portals, or offline through local branches.

Claim Assistance

24/7 Roadside Assistance is available in several plans.

Savings

Savings can be obtained up to a maximum of 50%.

Repair facility with cashless transaction

Insurance companies may settle repair dues with the agency if damages are covered in the policy.

Paperwork

Relevant documents such as Emirates ID, a bank statement will need to be submitted in case of process application through local branches.

Add-ons along with the main coverage

Various options are available such as agency repair, replacement cars, roadside assistance, off-road servicing, fire and theft protection, purchase protection, etc.

Buy/Renew Process

Online & Offline.

Benefits car insurance

Type of Car Insurance UAE

Car insurance Dubai can be of three main types – Comprehensive and Third-party liability Car Insurance and Temporary Car Insurance to provide short-term coverage. These three types are segregated on the basis of the type of 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 three types of available dubai car insurance can fulfill that requirement for you. Let’s examine all kinds of car insurance:

1. Third-Party Liability Car Insurance:

A third-party liability car 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 vehicle insurance plan. All vehicles in the UAE are required to at least have a valid third-party liability coverage at all times. 

2. Comprehensive Car Insurance:

A comprehensive car 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.

3. Temporary Car Insurance:

Temporary or short-term car insurance plans serve as a brief solution for your driving and car protection needs. The inclusions of this type of car insurance Dubai are the same as the third-party vehicle insurance or the comprehensive vehicle insurance plans. The coverage tenure for temporary auto insurance can be anywhere between 1 one day to a few months. It is the best car insurance in UAE to go with if you have to drive someone else’s vehicle for a while.

insurer your car

Difference between Comprehensive and Third-Party Liability Car Insurance Dubai

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.

Benefits of Dubai Car Insurance

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:

1. Fulfills Legal Requirements

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 in 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. 

2. Shield Against Third-Party Lawsuits

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. 

3. Better Financial Stability

Having car insurance in Abu Dhabi to rely upon grants you better stability when it comes to managing finances. 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. 

4. Cover Against Loss or Theft of Vehicle

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.

insurer your car

Documents Required to Buy & Renew UAE Car Insurance

Given below is the complete set of documents you will need to buy or renew your motor insurance in the 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:

  • Registration details of your car including the registration number. Originals are required when making an offline purchase
  • Engine number, chassis number and other details related to the car
  • Personal documents and details of the driver for example, driving licenses, address proof, phone number, etc.
  • A copy of your passport
  • A copy of your resident visa
  • A copy and original Emirates ID
  • Number of your previous car protection  policy, if you had any

Factors Affecting Car Insurance Premium Dubai

Several factors can affect the price of your car protection plan. 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:

1. Age and Condition of the Car

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 conditions results 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.

2. Age of the Driver

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. 

3. Driving Record and Habits of the Driver 

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 insurance 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.

4. Current Market Price of the Car

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. 

5. Claim History of the Car

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 the insurance plans increases several folds when the claim history is laden with several small and big claims. 

6. Road Accident History of the Car 

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. 

7. Type and Coverage of the Insurance Plan 

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. 

8. Deductible

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. 

9. Available Promotions and Discounts

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 in Dubai is to scan such discounts and compare auto insurance quotes properly before buying

Choose From The Top & Best Car Insurance Online Dubai, UAE 2022

Following is a list of the best car insurance in Dubai and the rest of the UAE and a brief on the types of insurance covers that they offer:

Car Insurance Insurers Types of Car Insurance Plans Offered Plan Details
ADNIC Platinum Cover Gold Cover Standard Cover
AXA Insurance Comprehensive Car Insurance cover, Third-Party Liability Cover
RSA Insurance Motor Executive (Comprehensive), Motor Smart (Comprehensive), Motor Value (Third-Party)
Oman Insurance Comprehensive Cover Third-Party Insurance InsureMyTesla High Net Worth Covers (premium covers for luxury cars/vehicles)
Noor Takaful Insurance Comprehensive Car Insurance, Third-Party Liability Car Insurance
Orient Insurance Comprehensive Plans, Third-Party Liability Plans
Salama Insurance Comprehensive Car Insurance Plans
Tokio Marine Insurance Comprehensive Car Insurance Plans
New India Insurance Third-Party Plans, Comprehensive Plans
RAK Insurance Comprehensive and Third-Party liability
see more

Car Insurance Calculator UAE

Calculating auto insurance prices on your own can be a hassle. Several online car insurance calculators are available to make the initial process of estimation and drawing the budget easy. You can use a car insurance calculator in the UAE to get a fair idea of the auto insurance price for your car at any particular point. Simple details like car make, model and manufacturing year, fuel type, ex-showroom price and claim history of the policyholders are required to get an estimate of your vehicle insurance plan using an online car insurance calculator.

Add the aforementioned details in the designated columns of the calculator you pick, click or tap on ‘calculate’ and voila! You will have your insurance premium in front of you. Calculating vehicle insurance prices in advance will not only help you in managing your finances but will also allow you to compare car insurance Dubai more efficiently.

Let’s understand how the calculation of your car insurance premium works with an example:

Factors Influencing vehicle insurance Premiums Amount Details Additional Calculation Details

Manufacturing Year of the Car 

2020

 

Ex-Showroom Price 

AED 500,000

 

Depreciation 

25%

AED 125,000

Insured Declared Value

AED 375,000

 

Rate of Own Damage Premium

2%

AED 7,500

No Claim Bonus 

20%

AED 1,500

Final Own Damage Premium

AED 6,000

 

Mandatory Third-Party Cover Premium 

AED 900

 

Personal Accident Add-On Cover Premium

AED 210

 

Engine Breakdown Cover

AED 50

 

Off-Road Cover Add-On 

AED 60

 

Final Total Premium Amount 

AED 7,220

 

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.

 

compare car insurance offer banner

 

Find Best Car Insurance in UAE & Quotes Online

Finding the best motor insurance plan for your vehicle 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:

  • Evaluate Your Needs: Every driver-owner has a set of unique needs which means that your ideal auto protection plan needs to be customized. So, the first to buy the right car insurance in Dubai for your car is to evaluate your needs. See what you want your vehicle protection plan to cover and find out whether there is anything special you would like to add. For example, if you take your car on dune safaris often, an off-road cover is a must for you. Make a list of all such unique covers your car requires and then start searching for a plan that can satisfy them all. 
  • Scout Through Providers: Finding the best car insurance companies in Abu Dhabi, Dubai or any other emirate is very important. Read online reviews or talk to your fellow car owners about their auto protection providers. Choose the one with fair goodwill at the least. Make notes of everything from their plans to the claim settlement process and customer service. 
  • Obtain a Few Quotes: Go ahead and get car insurance quotes in Dubai for at least your top 3 plans. Compare these final car insurance quotes in Dubai and find out which car protection plan is the most cost-effective. Comparison of your top options is one of the most important steps to find the best auto insurance in the UAE.
  • Research as Per Your Emirate: If you reside in Abu Dhabi, concentrate on finding the best auto insurance companies in Abu Dhabi instead of the whole of UAE. This will narrow down your scope of research and make it easier to find providers specific to your area. 
  • Check The CSR: Claim settlement ratio should always be considered before buying an auto protection plan from any particular provider. While you are at it, also find out what kind of claims get rejected or denied the most by the provider. This will give you important insights into the transparency policy of the insurance provider as well.
  • Examine the Coverage: Evaluate the coverage of your auto insurance plan well and see if it includes everything you need. Get a few add-ons if necessary and find the best possible comprehensive plan for your car.

Buy Car Insurance Policy Online & Offline in UAE

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 in Dubai 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. 

Benefits of Buying Car Insurance UAE Online

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:

  • Ease of Shopping: Needless to say, you can not only research, compare and choose the auto insurance you like but also finalise the purchase from the comfort of your home. Buying car insurance online is incredibly easy and convenient no matter where you are. 
  • Additional Discounts: It is rare to find over-the-board discounts and offers when it comes to car policy shopping. But the situation is different when it comes to car protection plans bought online. Most auto insurance companies in Abu Dhabi, Dubai and other emirates offer special discounts for online purchases specifically making it a more cost-effective shopping mode for users. 
  • The convenience of Comparison: It is very difficult to compare different providers and plans when you are opting to go for offline car insurance Dubai shopping. Buying and researching for your plans online gives you an edge in finding ideal comparison tools. 
  • Access to Reviews: Online shopping platforms like aggregator websites and provider websites have a platform for customers to review the services and plans. Potential customers, i.e., you, can access these reviews and find out what the service standards and plan benefits are actually like.
  • 24x7 Access to Plan Details: When you buy car insurance online, the complete data of your plan is available on the online database of the insurance company. You can access your plan details anytime you like by simply logging in using your customer ID.

Popular Car's Brand Insurance

Honda Toyota BMW
Nissan Jaguar Hyundai

Car Insurance Dubai Inclusions

At the time of issuing car insurance Dubai, and the UAE, there are some common services that are provided by auto insurance companies in the UAE. Let’s take a look at the inclusions here:

  1. Towing assistance if the vehicle breaks down or is met with an accident.
  2. Extraction and removal of the vehicle through the crane.
  3. Flat or leaking tire assistance without labor charges.
  4. Assistance to jump-start the engine in case of a breakdown.
  5. Unlocking ignition key 

Car Insurance Add Ons

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 vehicle insurance in the UAE:

  • Personal accident cover for drivers: includes death and disability benefits
  • Personal accident cover for passengers: limited to the seating capacity of the car
  • Engine protection cover
  • Breakdown cover: for electrical and mechanical breakdowns
  • No depreciation cover: eliminates the effects of depreciation on the insured declared value
  • No claim bonus retention cover: allows you to keep no claim bonus even after making one claim
  • Consumables cover 
  • Roadside assistance cover
  • Key loss and replacement cover
  • Tyre replacement cover
  • Accessories protection cover: for both electric and non-electric accessories
  • Personal belonging theft cover
  • Courtesy car cover
  • Off-road cover for off-road driving of 4x4 vehicles like SUVs
  • Geographical extension cover
  • Return to invoice cover
Car Insurance Add-ons
Personal Accident Cover Roadside Assistance
Engine Protection Cover IDV-Insured Declared Value
No Claim Bonus Passenger Cover

What’s Not Covered by Car Insurance in 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. 

  • Normal damage incurred by the car due to wear and tear 
  • Damages incurred by car tyres, electric accessories and equipment, unless covered by an add-on of the vehicle insurance plan
  • Intentional damages caused to the vehicle by the driver/owner
  • Voluntary negligence on the part of the driver/owner 
  • Damages caused/incurred when driving under the influence of drugs or alcohol
  • Loss or damages caused by war or acts of war
  • Over-usage of the car 
  • Using the car for illegal activities and getting it damaged
  • Driving without a valid driver’s license or driving permit
  • Damages caused when the car has been pledged to another driver under a contract
  • Consequential damages caused to the car 
  • Mechanical and electrical damages of the car unless covered by an add-on
  • Engine damages unless covered by engine breakdown cover
  • Damages incurred outside of the UAE unless covered by geographical extension cover

No Claim Bonus (NCB) Car Insurance

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 car insurance quotes as a no-claim bonus is 50%. Some special cases can even bag up to a 65% discount. All the best car insurances in the 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:

  • A no-claim bonus is awarded to the policyholder and not the car. This means that the policyholder can transfer their no-claim bonus when they change car protection plans, providers or even their car. 
  • A ‘No-Claim Certificate’ is required to get your no-claim bonus transferred to a new provider or plan and reduce auto insurance costs.
  • Accumulating a no-claim bonus is the only sure shot way for getting discounts on the insurance price of the car.
  • The no-claim bonus breakup and policies can be slightly different as per the provider. 
  • No-claim bonus is not applied to third-party liability policy premium amounts. Only the own damages premium from the total premium amount of a comprehensive car policy can be discounted using the NCB. 
  • All auto insurance claims in the UAE, no matter how big or small, except for third-party liability claims, can affect your no-claim bonus. Making claims will bring down the no-claim bonus to zero. 
  • You cannot transfer a no-claim bonus to another owner or policyholder. Some providers allow you to transfer it to your blood relatives, but that’s very rare. 

How to File a Car Insurance Claim in the UAE?

The claim process for your car 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 the UAE against your car insurance in Dubai:

  • Call the insurance provider and inform them about the claim you need to make about the incident that happened. 
  • Obtain a police report of the incident if it involves theft, accident, collision or other similar kinds of damage. 
  • Call the roadside assistance number provided by your car insurance in Dubai and get towing assistance if you need it.
  • Obtain a claim form from the provider, fill it and attach it with the police report, registration documents of the car and the driving license of the person who was driving the car. 
  • Take the claim documents to the nearest agency garage of your insurance company or the one assigned to you. Submit the claim documents there. 
  • The documents will be examined there and a supervisor from the insurance company will evaluate the damage. 
  • Once all these formalities are through, your claim will be approved and the garage will start the repairs. 

What to do After a Car Accident in the UAE?

Follow the steps given below in case you find yourself in an accident:

  • Call an ambulance immediately if someone is injured and require emergency care. If the injuries are minimal, make sure that everyone receives first aid. 
  • Call the police and your car insurance company or the car insurance broker immediately if you are in the position to do so. 
  • Record the events of the accident in your own words too. Take photographic evidence of the site and note down the names of the people involved. Note down the license plate number of the cars involved as well. 
  • Call the roadside assistance service of your car insurance company and get the towing assistance you need. If the vehicle can be driven, drive it to the nearest workshop or the one assigned to you. 
  • Submit the claim for your vehicle insurance in Dubai once you have recuperated as per the aforementioned steps.
  • Keep track of your repairs and make sure that everything finishes up smoothly with your car insurance in Dubai. 

Online Car Insurance Renewal

Car insurance renewal in Dubai is a very easy process. Given below are the steps you need to follow to renew your car insurance UAE:

  • Go to the online renewal portal on the website of your insurance provider. Log in using your account details.
  • Once you log in, you will be directed to the renewal form. 
  • Fill out the renewal form as per the requirements. You may need details like your policy number, car registration number and related information like make and model and driving license number. 
  • Select the car plan you need to buy as well as the insured declared value of the vehicle. 
  • Add or remove add-ons as you see fit. 
  • Read the terms and conditions of the plan and proceed to make the payment. 
  • Make the payment and complete the procedure. 
  • Download the payment receipt and wait for the confirmation email. You will also receive the policy documents via email. 

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.

Consider Before Renewing Car Insurance Dubai

  • Re-evaluate Your Needs: Your vehicle insurance needs are bound to change after a few years of owning the car. You may not need a lot of benefits you had before or may require different ones. Re-think what your car needs and customise the plan when the renewal for the plan is due. 
  • Compare Car Insurance Quotes: Get a few vehicle insurance quotations online and compare them. Comparing auto insurance quotes will help in choosing a cost-effective car insurance UAE. 
  • Take or Leave Add-Ons: Curate your car insurance Dubai using the add-ons. Take or leave a few as per your needs. 
  • Explore for Better Options: Check out which are the best car insurance companies in Dubai currently and see if you would like to switch. Car insurance companies in the UAE often roll out promotional discounts as well. See if there is something that can further benefit you and help in getting the cheapest car insurance Dubai, UAE. 
  • Conduct Area Specific Research: Try and find out the best car insurance companies in the UAE and the plans in the emirate you live. Search using keywords like best car insurance in Ajman or Dubai to get area-specific results.

renew car insurance offer banner

Guide of Car Insurance Dubai

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

Guide of Car Insurance Claim in UAE

Guide For New Driver Looking for Car Insurance

Guide for Renewing Your Car Insurance in the UAE

Diff b/w Comprehensive & Third-Party Insurance

Guide For Car Insurance in Desert in the UAE

Compare Affordable or Cheap Car Insurance UAE

With so many options available to purchase car insurance online, it has become easier to browse through a list of the best car insurances in Dubai, and the rest of the UAE and opt for one that suits your needs. To bag yourself affordable car insurance in Dubai and the rest of the UAE, all you have to is:

  1. Visit the insurance provider’s website or go to a vehicle insurance marketplace like policybazaar.ae
  2. Fill out an online form with all the specifications to get car insurance quotes in Dubai, Sharjah, Abu Dhabi, and the rest of the UAE
  3. You’ll be presented with a list of cheap car insurance Abu Dhabi & Dubai plans that are designed to cater to a variety of needs and budgets.
  4. Compare car insurance plans and choose the plan that best fits your requirements.
  5. Submit relevant documents and make a payment at the end. 

Why Should You Buy Car Insurance Through Policybazaar.ae?

Policybazaar.ae 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 in 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 car insurance in Abu Dhabi and the rest of the UAE from Policy Bazaar UAE:

  • Amazing offers on car insurance Dubai online.
  • You can compare car insurance plans and their features offered by various car insurance UAE providers and selecting the best plans.
  • You have access to some of the most affordable and suitable car insurance policies.
  • We have a team of insurance advisers to provide customer assistance through email and phone.
  • Policybazaar.ae has the provision of after-sales service to offer unparalleled sales assistance.

Car Insurance FAQs

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

Ans: No. Your car insurance price in Dubai is calculated on the basis of your profile, so your 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 vehicle insurance plan afresh. However, some companies allow you to transfer your car insurance Dubai, Abu Dhabi, Sharjah, and the rest of the UAE to another buyer.

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

Ans: Yes, some auto insurance plans provide vehicle insurance coverage for off-road damages. However, the policy 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 company to company, make sure you read the policy wording carefully before buying.

Q: What are the Factors that Affect Car Insurance Price in Dubai?

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

Q: What are the Eligibility Criteria for Purchasing Auto Insurance in the UAE?

Ans: Anyone can buy car insurance 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.

Q. What is Insured Declared Value?

Ans: The Insured Declared Value (IDV) is the current market price of your vehicle at any given point in time. It is calculated by subtracting depreciation applicable on the car from the initial showroom price of the car on which you bought it.

Q. Will I need a policy while registering my car?

Ans: Yes, you will need a valid, working policy for your car to successfully register in UAE. 

 

Q. What is No Claim Bonus?

Ans: This is a gift/reward system that gives car policy holders a discount for every claim-free year they spend with their vehicle  insurance policy in Abu Dhabi and the rest of the UAE. It is given in the form of a discount on the premium payable. No claim bonus increases every consecutive claim-free year and the rates generally differ as per the policies of companies. So, if you have a payable premium of AED 1,000 and the no claim bonus is 10% then you will only have to pay AED 900 as a premium for that particular year.

 

Q. Can I transfer my No Claim Bonus?

Ans: Yes, no claim bonuses are easily transferable from one insurance policy/provider to another as long as it is opted by the same person. Although you cannot transfer a No Claim Bonus to another person (not even when selling the car) because it is a discount given to the driver/policyholder for not making any claims. 

Q. Is it possible to obtain document of my car insurance online?

Ans: Almost all providers have an online database of policies with them. You can easily use your log-in details to find and download the document of car insurance online via the portal of your vehicle insurance company if they have the service available. 

Q. What does NCB retention cover mean? Is it beneficial?

Ans: A no claim bonus retention or NCB retention cover is an add-on service that can be opted for when buying comprehensive car insurance in Abu Dhabi, and the rest of the UAE. It ensures that the policyholder gets to redeem the no claim bonus discount even after filing a claim in the concerned year.

 

Q. Is there a coverage option to include paid drivers in car insurance UAE?

Ans: Most car insurance companies Dubai do not cover paid drivers in their basic plan services but they do offer an add-on that allows the policyholder to buy an extended cover for their paid drivers. Check with the insurance company individually to make sure they offer the said service. 

Q. What are the two types of accessories?

Ans: Car accessories are broadly divided into two types – electric and non-electric. Accessories like the air conditioner, music system, brake lights, etc. are considered electric accessories. Interior fittings, alloys on the wheels, car seat covers, etc. are considered as non-electric accessories. 

Q. What effects do car theft devices have on car insurance Dubai prices?

Ans: The premium of your car insurance Dubai will be higher if it is recognized as a high-risk vehicle by the insurance company and vice-versa. Since anti-theft devices for cars lowers the risk of theft significantly, installing them significantly lowers the premium of policy that you are buying. 

Q. Can a filed claim be cancelled?

Ans: Yes, you can always cancel a claim after you have filed it already and happen to change your mind. Just contact the insurance company via your broker or the customer service portal and ask them to initiate the cancellation process. 

Q. Can I transfer vehicle insurance when selling the car to a new owner?

Ans: As long as the current policy still has 7+ months remaining before its expiration, it can be transferred to the new owner of the vehicle. If it is less than 7 months, you will have to file a cancellation of the policy and the company will settle the refund amount on a prorated basis. 

Q. Is it possible to have more than one policy for the same car?

Ans: No, one car can only be insured under one policy at a time. You can choose to get multiple add-on services but it will still have to be under a single policy only. 

Q. What is the basic issuable period for car insurance Dubai and the rest of the UAE?

Ans: A policy can be issued for the basic 1-, 3- or 5-year period as per the choice of the policyholder. This simply means that you will have to renew the policy after 1, 3 or 5 years, whichever one you happen to choose. However, the choice of the issuable period depends on the options available with the provider. 

Q. What is the renewal deadline for car insurance UAE?

Ans: You are advised to renew your car insurance in Sharjah, Dubai, Abu Dhabi, and the UAE a day prior to the expiration of last year’s auto insurance. However, in case if you are unable to renew vehicle insurance on time, as per the laws of RTA, you will be granted a grace period of 30 days after the expiration to renew your car insurance UAE.