Car insurance protects vehicle owners from financial losses caused by accidents, theft, natural calamities, and third-party liabilities. As per RTA regulations, car insurance in Dubai & UAE is mandatory and allows you to legally register and drive a vehicle on public roads.While third-party insurance is the minimum requirement, most drivers opt for comprehensive car insurance as it provides cover for their own vehicle in addition to third-party risks. ...read more
Car insuranceis a contract between you and your insurance company. It states that the insurer will cover certain costs if your car is involved in an accident, stolen or damaged, in return for the premium you pay. Depending on the policy you choose, motor insurance may cover damage to other vehicles, repairs to your own car, medical expenses after an accident and legal liabilities arising from injury or property damage.
On Policybazaar.ae, you can compare car insurance plans from multiple insurers in one place and choose a policy that suits your car and usage. The platform allows you to check coverage details, premiums, add-ons and insurer features side by side. This comparison-based approach makes it easier to find suitable car insurance in the UAE without spending time contacting insurers individually.
Top Car Insurance Dubai Plans - 2026
Some of the best and the cheapest car insurance quotes in Dubai are:
Comprehensive
Third Party
Sukoon Insurance (Previously Oman Insurance)
Plan Name
Sukoon Comprehensive (Gold Garage)
Starting from
AED 1,995/year
Blood money
Third Party Damage Limit
Third Party Liability
Orient Insurance
Plan Name
Orient Insurance Comprehensive (Silver Garage)
Starting from
AED 1,727.25/year
Third Party Damage Limit
Third Party Liability
Damage to Insured vehicle
Adamjee
Plan Name
Adamjee Insurance Comprehensive (Garage)
Starting from
AED 1,522.5/year
Third Party Damage Limit
Third Party Liability
Damage to Insured vehicle
Methaq Takaful
Plan Name
Methaq Takaful (Pre-Approved Workshop)
Starting from
AED 1,346.1/year
Third Party Damage Limit
Third Party Liability
Damage to Insured vehicle
Alliance Insurance
Plan Name
Alliance Insurance Comprehensive (Garage)
Starting from
AED 1,575/year
Third Party Damage Limit
Third Party Liability
Damage to Insured vehicle
*Above mentioned prices are for Honda City EX 1.5L, 2022 model.
*Above mentioned prices are for Honda City EX 1.5L, 2022 model.
Key Features of Car Insurance in UAE
Key Features
Insurance Benefits Offered
Third-Party Cover
Mandatory, Up to AED 200,000 on Accident Benefits
Coverage
Up to AED 200,000.
Minimum Premium
Begin at AED 630*.
Process for Claim
Policybazaar UAE Portal & Insurer Portals
Claim Assistance
Yes
Savings
Up to 30% Safe Driver Discount*
Add-ons Covers
Driver Cover, Passenger Cover, Natural Calamities, Replacement Of Vehicle, Roadside Assistance, Oman Cover
Buy/Renew Process
Online
Policy Tenure
Valid for (12+1) 13 months, including 1 month of grace period
Regulator
Central Bank of the UAE
See More
Types of Car Insurance in UAE
Car insurance is mandatory for driving in the UAE. You can choose from 2 types — Third-party Liability Insurance & Comprehensive Car Insurance. Both these types have different degrees of coverage and benefits. Driving without valid car insurance can lead to fines, vehicle impoundment and up to 4 black points on your licence.
Third Party Car Insurance
Third-party car insurance is the minimum mandatory car insurance in Dubai and across the UAE. It is required by law to legally drive a vehicle on UAE roads. This policy covers injury, death or property damage caused to a third party in an accident involving your insured vehicle. However, third-party car insurance does not cover any damage to your own car, even if the accident is caused by you.
Comprehensive Car Insurance
Comprehensive car insurance provides both own-damage cover and third-party liability protection. It helps vehicle owners manage financial losses arising from accidents, fire, theft, vandalism or other insured events, as mentioned in the policy terms. In addition to covering third-party injuries, death, and property damage, comprehensive car insurance also protects your own vehicle. Because it offers wider coverage, comprehensive motor insurance in the UAE usually comes at a higher premium compared to third-party insurance.
Why Should You Buy Car Insurance Dubai Through Policybazaar.ae?
With impeccable customer service and value-added benefits, Policybazaar.ae constantly strives to offer more than car insurance in Dubai, UAE. It is for this commitment that we have been recognised with several awards, including Broker of the Year at the GAIP-InsureTek Global Shield Excellence Award, Dubai 2025, and Digital Insurance Pioneers of the Year 2025, at MEA Business Awards.
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List of Cheapest Car Insurance Plans in Dubai, UAE - 2026
The cheapest car insurance in the UAE is not always the one with the lowest premium, but the one that offers essential coverage at a reasonable cost. To help you make a quick and informed choice, we have listed some of the most affordable car insurance plans in Dubai that balance cost and coverage.
Insurer Name
Third-Party Price (in AED)
Comprehensive Price (in AED)
Sukoon Insurance
630
1470
RAK Insurance
630
1523
Watania Takaful Insurance
630
1575
Salama Insurance
651
1680
Tokio Marine Insurance
735
1801
GIG Gulf Insurance
738
1523
Alliance Insurance
788
1365
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
Why is Car Insurance Mandatory in the UAE?
Car insurance is mandatory in the UAE to provide financial protection for everyone on the road. It ensures that in case of accidents or other events, the involved parties’ losses are covered as much as possible.
You need valid motor insurance before you can register or renew your vehicle. At the minimum, your car must have Third-Party Liability insurance, which covers injury or property damage caused to others by the insured vehicle. Comprehensive car insurance offers wider protection by also covering damage to your own car, subject to the policy terms.
Here are some more details into the importance of motor insurance in the UAE:
Car insurance is part of the UAE’s federal traffic framework — The UAE’s current traffic regulation is covered under Federal Decree-Law No. (14) of 2024 on Traffic Regulation, which is active and effective from 29 March 2025 on the UAE Legislation platform.
Required for vehicle registration and renewal — UAE Government guidance for registering vehicles includes getting vehicle insurance from an authorised insurer before completing registration.
Third-party liability Mandatory — The Central Bank of the UAE’s unified motor insurance rules state that insurers issue Third-Party Liability policies for motor vehicles licensed in the UAE.
A valid driving licence is important — The UAE motor policy defines a licensed driver as someone permitted to drive the insured vehicle according to the vehicle category and traffic laws.
You may also need vehicle-related documents — While buying or renewing car insurance, you may need Emirates ID, driving licence, vehicle registration card or Mulkiya, previous policy details, no-claim certificate if available, and vehicle inspection certificate if required.
Insurance experience certificates can help —As per Central Bank guidelines, insurers should provide a Certificate of Insurance Experience for previous years, electronically or in writing, free of charge. This can help when checking previous claim history or no-claim benefits.
Policybazaar.ae Compliance Note - Policybazaar.ae is operated by Policybazaar Middle East Insurance Brokers LLC, a licensed insurance broker regulated by the Central Bank of the UAE under licence number 123. Insurance products are subject to insurer approval, policy terms, exclusions, and applicable UAE regulations.
Car Insurance Inclusion & Exclusions in Dubai
What is Covered
Third-Party Damage - Covers the repair costs of damages done to someone else’s car by your insured car.
Damage to Insured Vehicle - Covers the repair cost of the damaged insured vehicle
Emergency Medical Expenses - Pays emergency medical costs that you and your passengers incur in case of an accident
Fire & Theft Cover - Offers coverage for vehicle damage in case of fire or theft of your vehicle.
Third-party Liability - Coverage for legal and financial liabilities that arise from third-party injuries or death.
What is not Covered
Driving under the Influence - Causing an accident or harm while driving under the influence of alcohol or drugs.
Vehicle Overloading - more passengers or cargo than allowed
Intentional Damages - Damages or losses caused intentionally are not covered
Involvement in Criminal Activities -No coverage for damage if the vehicle is used in criminal activities or hit-and-run.
Reckless Driving - Reckless driving activities, like street racing or speeding, are not covered
List of Add-ons for Car Insurance Dubai
You can always upgrade your car insurance Dubai by adding riders or add-ons for a nominal additional premium. With car insurance add-ons, you get extra protection for your insured vehicle. Some of the most common riders are –
Personal Accident Cover
Personal accident add-on covers the drivers and passengers in your vehicle. If an accident leads to disability or death, it provides a sum of up to AED 200,000 per person. Just keep in mind that if your vehicle is overloaded at the time of accident, your claim won’t be valid.
Natural Calamities Cover
This add-on covers your car from damage due to natural disasters like floods, earthquakes, sandstorms, and more. After the flood in Dubai in April 2024, this rider has become quite popular. However, if there’s a flood and you drive your car around or park it in waterlogged areas on purpose, you will not be covered. Also, trying to start your vehicle in such areas can damage the engine and lead to claim rejection.
Car Rental Cover
With this rider, you can get a rental car as a replacement till your insured vehicle is under repair. This way, you can travel conveniently while your car is undergoing repairs after an accident.
Roadside Assistance
If your vehicle breaks down in the middle of the road, you can ask for roadside assistance from your insurance provider. Your vehicle will be towed to your nearest authorised garage using the benefit. The services, apart from towing service, include tyre replacement, battery jump start, lock replacement, breakdown recovery, and more.
Oman Extension
Oman is a popular destination for road-trips. After all, it’s quite easy to jump to E44 road in Dubai and reach Hatta border in 1.5-2 hours. With Oman Extension add-on, you can plan your journey even better and extend your own policy’s coverage to Oman!
Get Car Insurance Quotes from Top Leading Motor Insurers in UAE
Choosing the right motor insurance becomes easier when you compare plans from the UAE’s top motor insurers. These insurers are known for fair pricing, consistent claim support, and a wide range of cover options for every type of driver. By viewing motor insurance quotes from leading companies in one place, you can quickly understand the differences in benefits, add-ons, and premium ranges. This helps you pick a policy that matches both your budget and the level of coverage you want. Explore the top motor insurers and see what each one brings to the table before making your decision.
How to Save Money on Car Insurance Online in Dubai, UAE - 2026
Finding the right 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 choose nothing but the best for your ride. Here's how you can find the best car insurance in UAE :
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 get 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 insurance companies in Dubai or any other emirate is very important. Read vehicle insurance reviews online, talk to your fellow car owners about their motor 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 motor insurance quotes in Dubai for at least your top 3 plans. Compare these final motor insurance quotes for Dubai and find out which insurance plan is the most cost-effective. Comparison of your top options is one of the most important steps to finding the best auto insurance in the UAE.
Research as Per Your Emirate: If you reside in Dubai, concentrate on finding the best 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 CoverageEvaluate 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.
How Much Does Car Insurance Cost in Dubai ?
Car insurance in Dubai tends to be more expensive than in other emirates because Dubai has denser traffic, a large number of high-value and luxury cars, and higher repair costs at both agency and non-agency garages.
Minimum Car Insurance Premiums in Dubai
Minimum Premium for Sedans in Dubai: AED 1,346
Sedans covered under this slab include: Nissan Altima, Sunny, Tiida, Sentra • Toyota Corolla, Yaris, Camry • Honda Civic, City, Accord • Hyundai Elantra, Sonata • Kia Optima • BMW (selected models) • Lexus IS-Series (starting AED 1,365)
Minimum Premium for SUVs in Dubai: AED 1,680
SUVs under this slab include: Nissan X-Trail, Pathfinder, Kicks • Toyota RAV4, Fortuner • Mitsubishi Pajero • Honda CRV • Hyundai Tucson • Kia Sportage • Chevrolet Captiva • BMW & Lexus SUVs
Higher Premium Brackets for EVs & Luxury Cars - There are significantly higher minimum premiums for electric and luxury vehicles —
Tesla Model 3: AED 3,250
Tesla SUV: AED 3,300
MG ZS: AED 2,310
Jetour T2: AED 3,250 – 3,300
Mercedes C-Class: AED 2,625
Geely models: AED 1,995
Land Cruiser / Prado: AED 1,890
Disclaimer: The premium ranges and examples provided above are based solely on the data available. Actual car insurance Dubai prices may vary depending on the insurer, policy type, driver profile, vehicle condition, and add-ons selected.
Factors that Affect Car Insurance Premiums in Dubai
Car insurance companies in Dubai and across the UAE factor in several considerations when calculating insurance premiums. This usually includes the region you belong to, your age, car type and age, and so much more. Discussed below are the factors that affect your motor insurance premium.
Driving History - If you have a history of accidents or traffic violations, your premiums can increase by 10 to 15%.
Driver’s Age - If you are a younger driver (under the age of 25 years), the premium would be higher. This is because you may appear as a risky driver to the insurance company.
Car Type and Age - Luxury vehicles tend to have higher premiums, generally ranging around AED 3,500 to AED 5,500. This is due to the expensive repair costs. Older cars (usually older than 5 years) see a hike of 15 to 20% in premium.
Repair Types - Policies with agency repairs require around 10 to 25% higher premiums than plans with non-agency repairs.
Traffic Density - Some of the busiest roads in Dubai like Sheikh Zayed Road, Emirates Road, and Al Khail Road have high traffic density and are prone to more collision claims. Thus, insurance premiums for those residing in such places may be higher.
Add-ons – If you include add-ons like personal accident cover, roadside assistance, and more, you can expect higher premiums. For this reason, be careful while selecting add-ons — choose only the relevant ones.
How to Compare Car Insurance in Dubai?
With so many options to buy vehicle insurance online in Dubai, it can be difficult to find out which one is the best. While comparing plans is the way to go, it’s hard for many to know where to state. To find the best motor insurance in Dubai that suits your needs, here’s what you have to do —
1
Make a List of Insurance Companies
Start by shortlisting a few motor insurers. This helps you get a clear picture of the options out there. It also gives you an idea of what to expect in terms of coverage, premiums, services, and more.
2
Check What’s Covered
When comparing car insurance quotes, take time to look closely at what each policy actually covers. Make sure you understand the coverage for accidents, theft, third-party liabilities, and more.
3
Don't Overlook Exclusions
It’s easy to focus on what’s covered. However, it’s equally important to know what is not. When comparing UAE motor insurance quotes, carefully review the exclusions to avoid unpleasant surprises. This also helps you pick a policy that truly protects you.
4
Think About Add-Ons and Riders
Add-ons and riders let you customise your policy for extra protection. Whether you want coverage for off-roading, natural disasters, or personal accidents, these extras can be a great choice.
5
Look Out for Discounts and Offers
Many vehicle insurance providers give discounts or special deals that can lower your premiums. However, as they are usually available at particular times or occasions, check for these specifically when comparing motor insurance quotes.
6
Read Customer Reviews
Customer reviews give you a real-world look at how an insurance company performs. Reviews from people who’ve already used their services can help you spot both positive and negative aspects before you buy.
Compare Car Insurance from Top UAE Insurers
When comparing car insurance in the UAE, price alone doesn’t tell the full story. Each motor insurer differs in how they structure coverage, handle repairs, offer add-ons and process claims. The comparison below highlights how leading car insurance providers differ across these practical aspects, so you can choose a policy that truly matches your vehicle. .
Insurer
Coverage Structure
Agency Repair Eligibility
Third-Party Property Damage Limit
Best Suited For
Get Quotes
Sukoon
TPL, Comprehensive & Privilege
Up to 3 years (Privilege plans)
AED 2,000,000
Luxury & premium vehicles
Orient Insurance
TPL & Motor Plus
First 3 years
AED 2,000,000
Families & long-term owners
Tokio Marine
Unified TPL & Comprehensive
First year only
AED 2,000,000
Risk-averse drivers
DNI
Unified TPL & Comprehensive
As brand new (initial period)
AED 2,000,000
Budget & older vehicles
QIC
Basic, Prestige & Prestige Plus
First 2 years (higher tiers)
AED 3,500,000
Drivers needing strong RSA
Methaq Takaful
Unified Motor Takaful
First year
AED 2,000,000
Sharia-compliant buyers
Watania Takaful
Unified Motor Takaful
First year
AED 2,000,000
Budget takaful customers
Note: Benefits may vary by vehicle age, insurer approval and selected plan
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How much does car insurance cost in the UAE in 2026?
Car insurance cost depends on the car make, model, year, value, driver profile, claim history, repair option and add-ons. On Policybazaar.ae, third-party car insurance plans can start from AED 630 per year, while comprehensive plans vary based on the vehicle and coverage selected.
Where can I find car insurance in Dubai starting from AED 630*?
You can compare third-party and comprehensive car insurance plans on Policybazaar.ae. Some third-party plans start from AED 630* per year, subject to vehicle details, insurer approval, and policy terms.
Which is better in the UAE — comprehensive or third-party car insurance?
Third-party car insurance is the minimum legal cover. It covers damage caused to others, but not your own car. Comprehensive motor insurance gives wider protection because it can cover your own vehicle too, subject to the policy terms.
Why is my car insurance premium higher in Dubai in 2026?
Your premium can increase due to a higher car value, luxury or EV model, expensive spare parts, agency repair, previous claims, younger driver age, or selected add-ons. EVs and luxury cars may cost more to insure because repairs and parts can be more expensive.
How much does EV car insurance cost in the UAE and why can it be higher?
EV insurance can cost more for some models because electric cars have expensive batteries, charging systems, and advanced electrical parts. While comparing EV insurance, check battery cover, EV repair network, roadside assistance, and exclusions.
Does UAE car insurance cover EV battery damage?
Some comprehensive EV insurance plans may cover battery-related damage, but it depends on the insurer and policy terms. Always check whether the plan covers battery damage, charging system damage, electrical components, and EV-specific repairs.
Can I cancel my car insurance in the UAE and get a refund?
Yes, you may be able to cancel your car insurance policy and get a refund for the unused period, depending on the insurer’s cancellation rules. The refund amount can vary based on the policy type, time left in the policy, claims made, and insurer terms. Always check the cancellation and refund conditions before cancelling your motor insurance policy.
Can I buy car insurance for a financed or leased car in the UAE?
Yes, you can buy car insurance for a financed or leased car in the UAE. In many cases, the bank or finance company may require comprehensive car insurance because the vehicle is still under finance. Before buying, check the bank’s insurance requirements, mortgage details, policy coverage, and whether agency repair is needed.
How to Buy Car Insurance Online in Dubai?
You can easily buy car insurance in Dubai on Policybazaar.ae. This is your one-stop portal for a variety of comprehensive and third-party plans.
To buy motor insurance from us, follow the steps mentioned below.
Fill out our application form here.
Once done, you will be taken to the quotes page
Here, you can easily compare plans — up to 5 policies at once
After finding the right plan, click on the premium amount tab
Follow the instructions thereon
Choose the Right Motor Insurance in Dubai Based on Your Neighbourhood!
While car insurance is mandatory, no plan fits all. Your motor insurance plan requirements can vary as per the area of Dubai you live and drive in, your car’s type, and many other factors. We understand how confusing it can be to decide which type of insurance suits you best. To help you out, we, at Policybazaar.ae, have identified region-specific needs for car insurance in Dubai.
Downtown Dubai - It is undoubtedly among the busiest and most high-traffic regions, with a degree of accident risk. Thus, experts highly recommend comprehensive car insurance. Including add-ons like roadside assistance and car rental benefits can be useful.
Jumeirah & Palm Jumeirah - These neighbourhoods usually have luxury cars and SUVs. Experts, therefore, recommend that you buy comprehensive motor insurance with maximum coverage. To keep the cars from unwelcome surprises, you should add riders like natural disaster cover for holistic protection.
Deira & Bur Dubai - These are older districts of Dubai with a mix of commercial and residential traffic. The range of cars driven and possessed in the region varies from budget-friendly cars to new or mid-range vehicles. Some drivers, therefore, can go for third-party insurance for affordability. For brand new and mid-range cars, comprehensive insurance is recommended.
Dubai Marina & Jumeirah Lake Towers (JLT) - These are two high-traffic areas with dense populations. Thus, to cover unwelcome surprises, experts recommend buying comprehensive auto insurance. It will cover both third-party liabilities (in case of collision) and damage to the own vehicle (in case of accident, theft, or fire).
Arabian Ranches & Al Barsha - These regions are home to family-focused communities with private villas and expensive cars. Thus, experts recommend that you buy comprehensive car insurance in Dubai to protect your car and family alike. You should also include add-ons like personal accident cover and roadside assistance if you travel a lot.
How to Renew Car Insurance in Dubai?
If you bought your current policy of motor insurance Dubai from Policybazaar.ae, the online car insurance renewal process would be smooth. Given below are the steps you need to follow to renew your vehicle insurance in Dubai:
Log in to your account on Policybazaar.ae and go to your user dashboard.
On your dashboard, you will find a car insurance renewal notification (an exclusive PB feature).
You will get two options - continue with the same plan or switch to a new plan. Choose your option.
If you opt to switch to a new plan, you will be directed to the Quotes page, where you can compare and choose the plan that best fits your needs.
After that, you can click on buy now tab.
Follow the instructions thereon.
Once done, make the payment and get your motor insurance policy renewed.
Note – You should renew your motor insurance in Dubai, on time to avoid any penalties. This is also important for renewing your Mulkiya.
What are the Documents Required to Buy or Renew Motor Insurance in Dubai?
Documents required to buy Car Insurance
Documents required to Renew Car Insurance
A valid driving licence
Bank statements
Emirates ID (for UAE nationals)
Passport and residence visa (for expatriates)
Confirmation letter for GCC-specified vehicles
A valid driving licence
Passing test certificate
Residence visa (for expatriate)
Emirates ID
No claim bonus certificate (if applicable)
Engine number, chassis number, and other details of the car (if required)
Previous insurance policy’s number
Top 10 Car Repairing Garages in Dubai with Approximate Repair Costs
Dubai hosts a range of car garages that offer a plethora of repair services. Here are the top 10 car garages in Dubai with approximate repair costs —
Garages
Average Minor Repair Costs
Average Major Repair Costs
AAA Garage
AED 500 to AED 700
AED 2,500 to AED 4,000
Premier Car Care
AED 550 to AED 800
AED 3,000 to AED 4,500
Zdegree
AED 400 to AED 600
AED 2,000 to AED 3,500
Max Garage
AED 500 to AED 750
AED 2,500 to AED 4,200
Fasttrack
AED 400 to AED 600
AED 2,000 to AED 3,200
QuickFit Auto
AED 450 to AED 650
AED 2,200 to AED 3,800
Dynatrade
AED 500 to AED 750
AED 2,800 to AED 4,200
AutoTrust
AED 450 to AED 700
AED 2,200 to AED 3,900
Radiant Car Care
AED 480 to AED 680
AED 2,400 to AED 4,000
Orange Auto
AED 500 to AED 700
AED 2,500 to AED 4,000
Disclaimer- These are estimated costs of major and minor repairs in top 10 car garages. Actual costs may vary as per the extent of damage, your car’s model, specific services required, and more.
Last Updated At - 07 May 2026
Get Car Insurance Quotes For Other Emirates of UAE
Vehicle insurance in Dubai is legally required and is a financial security against the cost to be incurred due to an accident, theft, or damage to the vehicle and any passenger involved. The law requires at least Third-Party Liability cover so that any victim, in case of an accident, will have some monetary compensation.
How about roadside assistance cover for my vehicle?
In Dubai, motor insurance commonly does not include roadside assistance in its basic, compulsory TPL insurance but is a very popular and recommended add-on for Comprehensive policies.
It provides 24/7 services like towing in case of breakdown or accident, jump-start for a dead battery, changing of flat tire, and emergency fuel delivery
Many top insurers include it automatically with comprehensive plans
What is No Claims Discount or No Claims Bonus in car insurance UAE?
The No Claims Discount or No Claims Bonus under car insurance in Dubai is a discount given by the insurance provider to an insured upon the completion of a policy year with no claims filed against it.
It is applied as a discount on the premium for the next renewal.
The discount percentage grows further with each consecutive year of not filing claims, such as 10% for 1 year, 15% for 2 years, up to a maximum, often 20%, or sometimes higher, depending on the insurer.
The NCB is ordinarily transferable when you change insurer or purchase a new car.
How to calculate my motor insurance in UAE premium?
Insured Declared Value (IDV): The insured declared value includes the current value of your vehicle.
Car Details: These details include the make, model, year of manufacture. The newer or luxury cars cost more.
Driver Profile: This covers the age and driving history of the driver. It also includes the claim history. As per several policies, younger or less experienced drivers pay more.
Coverage Type: The coverage type is also one of the factors that affect the calculation of your insurance premium. Comprehensive policies cost more than Third-Party Liability.
Add-on covers: Additional covers, such as Agency Repair or Zero Depreciation also contribute in increasing the premium amount.
No-Claims Bonus (NCB): With a higher NCB, the premium decreases.
How to check the status of car insurance online?
You can check the status of your Dubai car insurance online very easily. You will have to go to these official UAE government channels and input information about your vehicle.
Emirates Vehicle Gate (EVG) Platform: Log in to the portal and check the insurance details of your vehicle.
RTA Website/App: Log on to the RTA website/app and navigate to either the 'Vehicle Status Check' or the renewal section using your chassis number.
Your insurance company’s portal: You can also log in to your insurance company’s portal using your policy number and credentials.
Policybazaar.ae: If you purchased your policy through policybazaar.ae, you can dial 800- 800-001 for assistance or log into your account for more details about your plan.
How to find cheap car insurance in Dubai?
Here is what you can do to find a cheap car insurance in Dubai while ensuring coverage:
Compare Quotes: Visit multiple insurers’ websites and get insurance premium quotes.
Increase Voluntary Excess/Deductible: You agree to pay more out of pocket - the excess, in return, reduces your annual premium.
Go for Non-Agency Repair: Choosing garages that are approved by your chosen insurer instead of agency repairs, reduces the car insurance premium considerably.
Keep a Clean Record: Maximising your No Claims Discount is the best way to save long-term.
Get TPL for Older Cars: If your car's value is low, Third-Party Liability will be the cheapest option legally.
Insurance pricing is emirate-specific, but there is no general rule that one emirate is always cheaper than others. In fact, the emirate in which a vehicle is registered also plays a major role in the premium price, since it affects perceived risk factors like road density and accident rates. Prices can be very different depending on your specific profile and the company.
Is car insurance more expensive in Dubai than in other emirates?
Since they use dynamic pricing, the 'cheapest' company changes rather frequently based on your vehicle model and driver profile. It's always best to compare current car insurance quotes from prominent local and international insurers operating in the UAE.
Which companies offer the cheapest car insurance in Dubai?
The cheapest car insurance company in Dubai can vary depending on your car model, age, driver profile, and the type of cover you choose. Since insurers use dynamic pricing, the lowest-priced option may change from time to time. That is why it is best to compare live quotes from different insurers on one platform before buying.
What is the minimum coverage required for car insurance in Dubai?
The minimum mandatory coverage in car insurance Dubai (and the entire UAE) is Third-Party Liability (TPL) Insurance. This only covers:
Bodily injury or death to a third party.
Damage to a third party’s property (e.g., their vehicle).
What is the renewal deadline for motor insurance in UAE?
Car insurance in UAE is valid for 13 months (12 months of coverage plus a 30-day grace period). You must renew your policy before the end of the grace period. Failure to renew by this deadline will lead to:
Inability to renew your vehicle registration (Mulkiya).
Fines (e.g., AED 500) and black points if you are caught driving an uninsured vehicle
Can I add extra cover to my car insurance in UAE?
Yes, you can add extra cover to your car insurance in the UAE, especially with a comprehensive policy. Some of the most common add-ons are:
Agency Repair Cover – Lets you get your car repaired at the manufacturer’s authorised garage
Roadside Assistance – Helps with towing, battery jump-start, flat tyre change, and fuel delivery
Personal Accident Cover – Provides financial protection for the driver and passengers in case of injury or death
Off-Road Cover – Useful if you drive your car in desert or off-road areas
Oman Cover – Extends your insurance protection when driving in Oman, depending on the policy
You can find it on the original policy document. This document is often emailed as a PDF by the insurer.
It is also mentioned on your vehicle registration card (Mulkiya), where the insurance details are electronically linked.
You can also login to the customer portal of your insurance provider's online portal (website or app).
Insurance policy number can also be fetched by calling your insurance provider's customer service line or your insurance aggregator (800 800 001 if purchased through Policybazaar.ae)
What does 'own damage' cover mean in vehicle insurance in Dubai?
'Own Damage' (OD) cover is a part of the Comprehensive car insurance policy. It covers damage sustained by your own insured vehicle. This cover damages or losses caused due to-
Accidental damage (even if you are at fault).
Fire, theft, or vandalism.
Natural disasters (like floods or hail, depending on the policy wording).
Can you transfer your motor insurance if you sell your vehicle in Dubai?
Generally, you cannot transfer the insurance policy itself to the new owner.
When you sell your car, you must cancel your existing policy and the insurer will issue a refund for the remaining unused period.
The new owner must purchase a brand new insurance policy in their name to register the vehicle with the RTA.
You can sometimes transfer the policy coverage to a new vehicle you purchase, provided the new car is of a similar risk profile, and you pay any difference in the premium.
Can expatriates buy car insurance in Dubai?
Yes, absolutely. Expatriates are the primary market for motor insurance in Dubai. The requirements are the same as for local citizens, requiring:
Valid UAE Resident Visa and Emirates ID.
Valid UAE Driving License (or an exchanged foreign license).
Vehicle Registration Card (Mulkiya).
What is the penalty for driving without car insurance in Dubai, UAE?
You need to pay a fine of AED 500 if you drive without valid car insurance. Additionally, 4 black points will be issued against your driving licence. Furthermore, the vehicle can be impounded for up to 60 days.
What are the eligibility criteria to buy car insurance?
To buy car insurance in UAE, you should be at least 18 years old and a UAE resident with a valid driving licence.
Can I drive with my UAE policy outside the UAE?
You can only drive in the GCC region or Oman if you buy Oman extension or GCC cover rider at the time of purchase. Note that it will cover only the damages your insured vehicle incurs.
What happens if my car is damaged in a flood in the UAE?
Flood damage to your car in the UAE is usually covered only if you have a comprehensive policy with the right cover for natural disasters. Third-party insurance does not cover damage to your own car. If your vehicle is submerged, don’t start it. Report the incident, get it towed, and file a claim with your insurer.
How do I make a car insurance claim in the UAE?
To make a car insurance claim in the UAE, first get a police report. Next, inform your insurer, submit the required documents, and follow the repair or settlement process shared by the insurer. In most cases, the insurer will inspect the vehicle and approve repair at a network or authorised garage.
What is agency repair in car insurance UAE?
Agency repair means your car is repaired at the official dealer or a manufacturer-authorised workshop. It usually offers genuine parts and specialised repair quality, but it costs more than non-agency repair cover.
What is the grace period for car insurance renewal in UAE?
The grace period for car insurance renewal in the UAE is 30 days. This is why UAE motor insurance is commonly valid for 13 months — 12 months of policy cover plus 1 month of grace period.
Nupur Jain
Senior Content Writer (Expertise - Motor Insurance )
Nupur Jain is a Senior Writer at Policybazaar.ae with 4+ years of experience in the insurance industry. She specialises in car insurance and has built strong expertise in the UAE auto insurance industry by closely covering policy features, coverage options, premiums, renewals, claims, insurer offerings and vehicle ownership-related matters. Over the years, she has created 2000+ high-impact articles and covered 1000+ motor insurance topics, helping readers understand complex insurance jargons in a simpler and more practical way. Her work is focused on helping people compare options wisely, understand what truly matters in a policy and make more confident car insurance decisions based on their needs, budget and lifestyle in the UAE.
Reviews & Ratings
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★★★★★4.6 / 5
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