Car Insurance Dubai

Car Insurance in Dubai
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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.

Car insurance in Dubai and UAE provides financial protection against accidents, natural calamities, theft, total loss, personal as well as third-party damages. While third-party auto insurance in UAE is mandatory by RTA law for all car owners, it is always recommended to have comprehensive insurance for car in Dubai to ensure complete protection.

  • Comprehensive
  • Third Party
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.

Key Features of Car Insurance

Key Features 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 525.
Process for Claim Policybazaar UAE Portal & Insurer Portals 
Claim Assistance Yes
Savings Up to 30%
Add-ons Covers Driver Cover, Passenger Cover, Natural Calamities, Replacement Of Vehicle, Roadside Assistance, Oman Cover
Buy/Renew Process Online

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Why Should You Buy Car Insurance Through Policybazaar.ae?

With Policybazaar.ae, you can unlock a wide range of benefits and effortlessly get your desired insurance coverage when you buy motor car insurance. Here are the key benefits of obtaining insurance through our digital platform -

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Instant Issuance

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Personalised expert advice

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Guaranteed low prices

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Customer satisfaction

Here are just 4 reasons why:

  • Purchase your car insurance policy through our platform and quickly receive your policy on your registered email ID within a few minutes.
  • Each individual is assigned an expert to resolve all the related queries and ensure a smooth and hassle-free buying of insurance.
  • We have multiple plans curated for each individual. With the products on our platform, you can easily get comprehensive coverage at competitive and economical premiums. Easily compare multiple plans altogether on the quotes page and buy one with up to 30% discount.
  • Ensuring customer satisfaction is our primary priority. Currently, we have 15,000 Google reviews and a 4.6 rating.

Types of Car Insurance in UAE

Car insurance can be of two main types Comprehensive insurance and Third party insurance. These two types of insurance are segregated based on 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.

Comprehensive Car Insurance

Comprehensive insurance in Dubai, the UAE covers damages and injuries of both the insured individual(s) and third parties. This Dubai Vehicle Insurance type covers damages or losses related to the car incurred due to accidents, theft, fire, and more. The cost of a comprehensive car insurance plan varies as per several factors like the driver's age, driving experience, type of car, previous driving record, and so on. On Policybazaar.ae, you can compare different policies from the top insurance providers all at once to make your policy-buying journey even smoother.

Third Party Car Insurance

Third-party insurance is a type of auto insurance that covers only damages and injuries caused to a third party in an accident. The cost of third party vehicle insurance in Dubai, UAE is affected by several factors, including the drivers age, driving experience, type of car, and previous driving record. Other factors that may affect third-party insurance costs include the location where the car is registered, the insurance company's policies, and the level of coverage selected by the policyholder.Its necessary to compare policies from different insurance providers to find the best coverage at the most affordable price.

List of Affordable Car Insurance Plans in Dubai, UAE

As car insurance is mandatory in the UAE, it is crucial to choose a plan wisely. Always buy plans with maximum coverage at economical premiums to get the best deal. To ease your research and make an informed decision, we have provided you with a list of some affordable car insurance plans in Dubai.

Insurer Name Third-Party Price(in AED) Comprehensive Price(in AED)
Sukoon Insurance 630 Yearly 1470 Yearly
RAK Insurance 630 Yearly 1523 Yearly
Watania Takaful Insurance 630 Yearly 1575 Yearly
Salama Insurance 651 Yearly 1680 Yearly
Tokio Marine Insurance 735 Yearly 1801 Yearly
GIG Gulf Insurance 738 Yearly 1523 Yearly
Alliance Insurance 788 Yearly 1365 Yearly

*Above mentioned prices are for Honda City EX 1.5L, 2017 model.

UAE Car Insurance Premium Calculator

Get the Best Car Insurance Quotes from Top Leading Car Insurers in UAE, Dubai

Choose Best & Cheapest Car Insurance in UAE - 2024

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:

Insurance Company Types of Insurance Plans Offered Plans

ADNIC Insurance 

Platinum Cover Gold Cover Standard Cover

AXA Insurance

Comprehensive 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 Insurance, Third-Party Liability Insurance

Orient Insurance

Comprehensive Plans, Third-Party Liability Plans

Salama Insurance

Comprehensive Plans

Tokio Marine Insurance

Comprehensive Plans

New India Insurance

Third-Party Plans, Comprehensive Plans

RAK Insurance

Comprehensive and Third-Party liability

 

How to Save Money on Car Insurance Online in UAE - 2024

Finding the best motor car insurance plan for your car in the UAE can be a lengthy process. However, there are a few simple tips you can adopt to make sure you buy nothing but the best for your ride. Here’s how you can 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, to buy the right vehicle insurance 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 Dubai or any other emirate is very important. Read vehicle insurance reviews online, talk to your fellow car owners about their auto insurance 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 online car insurance quotes in Dubai for at least your top 3 plans. Compare these final motor insurance quotes for Dubai, UAE and find out which insurance 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 UAE.
  • Research as Per Your Emirate: If you reside in Dubai, concentrate on finding the best motor insurance companies in Dubai 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 motor 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.

Compare Cheap Car Insurance in Dubai, the UAE

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

1

Create a List of Insurance Providers

Start by shortlisting several providers. This approach assists you in finding the right vehicle insurance for your car and gain a comprehensive understanding of the UAE insurance market.;

2

Review Coverage Inclusions

While comparing car insurance quotes, it's crucial to carefully examine the coverage inclusions provided by each policy. By understanding the extent of coverage offered by different plans, you can make an informed decision

3

Don't Overlook Exclusions

When comparing UAE motor insurance quotes, it's vital to carefully review the exclusions to avoid unexpected gaps in coverage. Understanding exclusions help you identify potential areas of risk and choose a suitable policy.

4

Consider Add-Ons and Riders

Exploring add-ons and riders is essential for tailoring your coverage to your specific needs. These additional options extend the coverage of your basic policy for enhanced protection.

5

Explore Discounts and Offers

By considering discounts and offers while comparing motor insurance quotes you can enjoy significant cost savings. Vehicle Insurance providers frequently offer various discounts that can substantially reduce your premium payments.

6

Read Customer Reviews

Customer reviews provide valuable insights into the real-world experiences of individuals who have used an insurance company's services. These reviews can highlight both positive and negative aspects of the company.

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Tips to Reduce Your Motor Car Insurance Premium in UAE

Here are 7 easy-to-follow tips to effectively reduce your car insurance premium significantly:

  1. Compare Insurance Providers: Evaluate coverage options, deductibles, and extras from different companies. Consider customer reviews and the claim settlement process to find the best deal.
  2. Opt for A Higher Deductible: Assess your risk tolerance and potential savings with a higher deductible. Seek advice from professionals to choose the right amount based on your financial situation.
  3. Maintain A Good Driving Record: Drive safely, avoid accidents, and consider defensive driving courses to qualify for lower premiums.
  4. Bundle Your Insurance Policies: Consolidate your coverage under one provider to qualify for multi-policy discounts and simplify paperwork.
  5. Install Anti-theft Devices: Research and install reputable anti-theft devices like wheel clamps, steering wheel locks, immobilizers, etc. to lower the theft risk and ask for discounts from your insurance provider. 
  6. Drive A Safe and Low-Risk Car: Choose a car with good safety ratings, install safety features, and store your vehicle in a secure location, and drive safely to minimize risks and save on premiums.
  7. Take A Defensive Driving Course: Enroll in approved defensive driving courses to improve your driving skills and qualify for lower insurance premiums.

Online Vehicle Insurance Renewal in Dubai, UAE

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

  • Go to the online renewal portal on the website of your vehicle insurance provider. Log in using your account details.
  • 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.
  • Select add-ons as per your requirement.
  • 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.

Documents Required to Buy or Renew Car Insurance in the UAE

Given below is the complete set of documents you will need to buy or renew your car insurance in Dubai, 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,resident visa & Emirates ID
  • Number of your previous insurance policy, if you had any

Get Car Insurance Quotes For Other Emirates of UAE

Abu DhabiSharjah, Ras al Khaimah, Al Ain, AjmanFujairah

FAQs About UAE Car Insurance

Why do you need car insurance in Dubai?

All car owners must necessarily have car insurance in Dubai. If you are caught driving without valid car insurance, you can face penalties such as heavy fines, black points, and vehicle seizure. Apart from it being a legal formality, car insurance ensures your financial well-being in case of any damage occurring to your own vehicle or third-party individuals, properties, or vehicles.

How about roadside assistance cover for my vehicle?

Roadside assistance cover is a helpful add-on to include in your car insurance policy. If you are stuck in the middle of the road, you can use this add-on to get assistance related to mechanical failure, flat tyre, towing, and so forth.

What is No Claims Discount or No Claims Bonus?

If you have not claimed any amount for any type of damage during the policy term from your respective insurer, you can get a discount on your premium at the time of renewal. This can help you save a significant amount in premiums.

How to calculate my motor insurance premium?

Although there are a lot of factors that play a deciding role in your car insurance’s premium like age, variant, make, etc. you can easily calculate your premium through online car insurance premium calculators by simply putting in the details like model number, car plate number, etc.

In case you want a specific quote, you should connect with your preferred insurance provider.

How to check car insurance status online?

You can verify your car insurance status online by accessing your insurer's online portal directly. If you purchased your policy through policybazaar.ae, you can dial 042-472-904 for assistance or log into your account for more details about your plan.

Is comprehensive motor insurance coverage mandatory in the UAE?

No, comprehensive insurance plans are optional in the UAE. However, third-party liability insurance covers are compulsory.

What is the renewal deadline for car insurance UAE?

You are advised to renew your auto insurance in Sharjah, Dubai and the UAE a day prior to the expiration of last year’s auto insurance. However, in case 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.

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

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.

Is customisation of car insurance policy possible in the UAE?

Yes, you can customise your car insurance policy by including optional coverages or add-ons. Although motor car insurance add-ons differ from one provider to another, some of the common add ons you can find with comprehensive car insurance plans include — 

  • Roadside assistance cover
  • Personal accident cover (for the driver and passengers)
  • Oman extension
  • Vehicle replacement cover
  • Natural disasters cover, and more. 
How to find my auto insurance policy number?

Your car insurance policy number is a unique identifier specific to your insurance contract. You can locate it by reviewing your policy certificate and schedule or by accessing your insurer's online portal or mobile app. 

If required, you can contact your insurance company's customer service department or your insurance broker (042-472-904 if purchased through Policybazaar.ae) or agent for assistance.

Is it possible to transfer car insurance from one owner to another when transferring car ownership?

In the UAE, vehicle insurance is generally linked to the specific vehicle rather than the owner.  However, as the facility of car insurance transfer varies as per the company, it is essential to contact your auto insurance provider to know more.

Is it mandatory to have motor insurance in the UAE? If yes, what are the legal consequences of not having one?

In the UAE, driving without valid car insurance can result in a fine of around AED 500, four black points on your driving licence, impoundment for seven days, and more. 

Uninsured drivers also face full financial liability in accidents, making it crucial to maintain a valid insurance policy at all times to avoid penalties.

What does 'own damage' cover mean in vehicle insurance?

'Own damage' coverage in auto insurance refers to the financial protection against damages to or loss of your own vehicle resulting from accidents, theft, or fire. The difference between a third-party liability coverage and own damage vehicle insurance, which covers damage or injury to other people or their property. 

Note that own damage cover is automatically included in comprehensive auto insurance plans.

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