How is my motor insurance premium calculated in the UAE?

Your motor insurance premium in the UAE is calculated based on several factors related to you and your car, such as: Car value – The current market value of your vehicle affects the premium Car details – Make, model, age, and variant of the vehicle matter Driver profile – Age, driving experience, and claims history are considered Type of cover – Comprehensive insurance costs more than Third-Party Liability Add-ons – Covers like agency repair, Oman extension, and more can increase the premium No Claims Discount (NCD) – A higher NCD can reduce your premium You can also use the Policybazaar.ae car insurance calculator for a quick estimate

How to check the status of car insurance online?

You can check your car insurance status online through official platforms and insurer portals in the UAE. Common ways include: Emirates Vehicle Gate (EVG) – Log in and check your vehicle’s insurance details RTA website or app – Use the vehicle status or renewal section with your vehicle details Insurer portal – Log in using your policy number or registered account Policybazaar.ae account – If you got the policy through Policybazaar.ae, you can check your plan details there or contact support

How to find cheap car insurance in Dubai?

The best way to find cheap car insurance in Dubai is to compare quotes from different insurers first. After that, you can further reduce your premium by choosing the right options. Here are some useful ways: Compare quotes from multiple insurers before buying Go for non-agency repair if it suits your car and budget Maintain a clean claims record to benefit from No Claims Discount Choose Third-Party Liability cover for older or low-value cars if suitable

What is the minimum coverage required for car insurance in Dubai?

The minimum required coverage under car insurance in Dubai is Third-Party Liability (TPL) insurance, as mandated by UAE law. It covers: Bodily injury or death caused to a third party Damage to a third party’s property, such as their vehicle It does not cover damage to your own car.

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 These add-ons may vary by insurer and plan.

How to find my auto insurance policy number?

Here are some easy ways to find your auto insurance policy number : Check your original policy document – It is usually sent by the insurer as a PDF Look at your vehicle Mulkiya (registration card) – Your policy number is often printed there Log in to your insurer’s website or app – Your policy details are usually available in your account Call customer support – Your insurer or insurance aggregator can help you retrieve it If you got your policy through Policybazaar.ae, you can also call 800 800 001 for assistance.

What does ‘own damage’ cover mean in vehicle insurance in Dubai?

Own damage cover is a component of comprehensive car insurance that pays for repairs to your own vehicle, regardless of who caused the accident. It usually covers damage or loss caused by: Accidental damage Fire, theft, or vandalism Natural disasters, depending on the policy wording This cover applies only to your own insured car.

Can you transfer your motor insurance if you sell your vehicle in Dubai?

To the new owner: No, you usually cannot transfer your motor insurance policy to the new owner of the car. The buyer must purchase a new insurance policy in their own name to register the vehicle. To your new car: Sometimes, yes. Some insurers may allow you to transfer the remaining policy coverage to another car you buy, provided the insurer approves it and you pay any difference in premium. If the policy is not transferred to another vehicle, the insurer may cancel it and refund the unused portion, depending on the terms.

Car Insurance in Dubai & UAE

Car insurance protects vehicle owners from financial losses caused by accidents, theft, natural calamities, and third-party liabilities. As ...read more

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Written ByNupur JainSenior Content Writer (Expertise - Motor Insurance )

Reviewed ByToshita Chauhan BalochiChief Business Officer – General Insurance @ Policybazaar.ae

Last updated on 26 May 2026Editorial Standards

What is Car Insurance?

Car insurance ( also known as Motor Insurance & Vehicle Insurance) is 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.

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 (Policybazaar UAE Licence No. 123).

Types of Car Insurance in the 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 Through Policybazaar UAE?

With impeccable customer service and value-added benefits, Policybazaar.ae constantly strives to deliver more than car insurance in Dubai, UAE. It is for this commitment that we have been recognised with several awards. In 2026, Policybazaar.ae was recognised as “Financial Services Tech of the Year” at the GCC Leadership Conclave. The list of accolades also includes 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:

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.
RTA registration requirement — 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.
Valid driving licence Required — The UAE motor policy defines a licensed driver as someone permitted to drive the insured vehicle according to the vehicle category and traffic laws.
Insurance experience certificate — 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 UAE

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 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 motor insurance quotes in Dubai for at least your top 3 plans. Compare these final car 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, UAE?

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 UAE

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 —

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.

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.

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.

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.

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.

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.

How to Buy Car Insurance Online in Dubai, UAE?

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 has a diverse range of car garages — from budget-friendly workshops to luxury and EV specialists. Below are the top 10 garages with approximate minor and major repair costs, mechanical labour rates and the type of cars each garage handles best.

Garage	Garage type	Minor panel repair	Major panel repair	Mechanical labour rate
Star Square Deal Motors	Premium body shop	AED 500 - 900	AED 1,500 - 4,000	AED 250 - 450/hr
The Car Lab Auto Repair Center	Luxury specialist	AED 600 - 1,000	AED 2,000 - 5,000	AED 350 - 600/hr
Gargash Auto Multi-Brand Car Service Centre (Al Quoz 4)	Multi-brand premium	AED 500 - 850	AED 1,800 - 4,500	AED 300 - 500/hr
MBR Auto Services L.L.C & Garage	German specialist	AED 600 - 1,100	AED 2,000 - 6,000	AED 350 - 650/hr
Automotive Repair Systems LLC (Al Quoz)	Body repair specialist	AED 450 - 800	AED 1,500 - 3,500	AED 220 - 400/hr
PAL Auto Garage - PAL Platina, DIP 1 (Tesla Approved Bodyshop)	EV / Tesla specialist	AED 700 - 1,500	AED 4,000 - 12,000	AED 450 - 900/hr
Al Nahdha Auto Garage	Budget-friendly	AED 300 - 650	AED 1,000 - 2,800	AED 150 - 300/hr
Quick Service Auto Repairing	Fast turnaround	AED 350 - 700	AED 1,200 - 3,000	AED 180 - 320/hr
Profix Auto Care Garage	General repair	AED 400 - 750	AED 1,500 - 3,200	AED 180 - 350/hr
Bosch Car Service - Auto Hub Performance Garage	Bosch-certified	AED 500 - 900	AED 1,800 - 4,000	AED 300 - 550/hr

Source: Cost ranges in this table have been verified through direct consultations with panel repair workshops across Dubai, cross-referenced with prevailing garage rate cards as of 2026. All garages listed are operational businesses with physical locations in Dubai. Always obtain a written quote before authorising any work. Policybazaar.ae is not affiliated with any of the listed garages.

How to File a Car Insurance Claim in the UAE?

A car insurance claim in the UAE usually starts with a police report or SAAED report. This is followed by claim notification, document submission, and repair approval. The exact process depends on your insurer, policy type, repair option and claim reason. If you bought an eligible comprehensive policy through Policybazaar.ae, you may also be able to claim a refund of up to AED 1,000 on your first claim excess/deductible under PB Advantage.

Claim process in simple steps:

Step 1 - Stay safe and report the accident

Check if anyone is injured. Move the vehicle only if it is safe and allowed. Use warning triangles or hazard lights to alert other drivers.

Step 2 - Get the official accident report

Report the accident through the police, Dubai Police app, Rafid, or SAAED, depending on the emirate. Check that the details in the report are correct before moving ahead.

Step 3 - Inform the insurer or Policybazaar.ae

Share the accident report and basic policy details. If you bought your policy through Policybazaar.ae, you can ask the support team to guide you on the next step

Step 4 - Arrange towing or garage support

If the car cannot be driven, roadside assistance or the insurer's network can guide the vehicle to an approved garage or workshop

Step 5 - Vehicle inspection and repair approval

The insurer may inspect the car through an authorised surveyor and approve repair costs with the garage. Some insurers give repair authorisation within 48 hours for most cases

Step 6 - Pay the excess, if applicable

Comprehensive plans may have an excess or deductible. This is the amount you pay during a claim, depending on your policy schedule and claim type

PB Claim Saver 2026 !

PB Advantage can cut down your claim cost if your policy is eligible. Under the May 2026 PB Advantage offer, users who buy a comprehensive private car insurance policy through Policybazaar.ae between 1 May 2026 and 31 May 2026 can get a refund of the standard excess amount paid on the first faulty claim, up to AED 1,000 excluding VAT.

To use this benefit, notify Policybazaar.ae of your claim within 72 hours of the incident and update your claim reference number. Once the insurer settles the claim, upload the claim settlement receipt with the insured member’s UAE bank details. The required details must be submitted within 15 days of claim settlement. The refund is processed within 15–20 business days, subject to the offer terms.

Important: The PB Advantage excess refund does not cover ancillary excess charges, damages/repairs not covered under the comprehensive policy, breakdown or misfuelling-related damage, or damages/claims made outside the UAE.

Get Car Insurance Quotes For Other Emirates of UAE

FAQs on Car Insurance in UAE

Vehicle insurance in Dubai is a policy that protects you from financial loss if your car is involved in an accident, theft, or damage. It may also cover injury or damage caused to other people, depending on the type of policy you choose. In the UAE, at least Third-Party Liability insurance is legally required to drive a car.

Usually, basic Third-Party Liability insurance does not include roadside assistance in Dubai. It is more commonly available as an add-on with comprehensive car insurance, although some insurers may include it in select plans. Roadside assistance can help with services like towing, battery jump-start, flat tyre change, and emergency fuel delivery.

No Claims Discount (NCD), also called No Claims Bonus, is a discount that the insurer gives when you complete a policy year without making any claim. It is applied to your renewal premium, which means your next policy may cost less. In many cases, the discount increases with each consecutive claim-free year, such as 10% after 1 year, 15% after 2 years, and often up to 20% or even more, depending on the insurer. NCD can also usually be transferred when you change your insurer or buy another car.

Your motor insurance premium in the UAE is calculated based on several factors related to you and your car, such as:

Car value – The current market value of your vehicle affects the premium
Car details – Make, model, age, and variant of the vehicle matter
Driver profile – Age, driving experience, and claims history are considered
Type of cover – Comprehensive insurance costs more than Third-Party Liability
Add-ons – Covers like agency repair, Oman extension, and more can increase the premium
No Claims Discount (NCD) – A higher NCD can reduce your premium

You can also use the Policybazaar.ae car insurance calculator for a quick estimate

You can check your car insurance status online through official platforms and insurer portals in the UAE. Common ways include:

Emirates Vehicle Gate (EVG) – Log in and check your vehicle’s insurance details
RTA website or app – Use the vehicle status or renewal section with your vehicle details
Insurer portal – Log in using your policy number or registered account
Policybazaar.ae account – If you got the policy through Policybazaar.ae, you can check your plan details there or contact support

The best way to find cheap car insurance in Dubai is to compare quotes from different insurers first. After that, you can further reduce your premium by choosing the right options. Here are some useful ways:

Compare quotes from multiple insurers before buying
Go for non-agency repair if it suits your car and budget
Maintain a clean claims record to benefit from No Claims Discount
Choose Third-Party Liability cover for older or low-value cars if suitable

In many cases, car insurance in Dubai can be more expensive than in some other emirates. This may happen because of factors like higher traffic density, accident exposure, and repair costs. However, the final premium still depends on your car, driver profile, coverage type, and insurer. So, while Dubai may be costlier in general, prices can vary from one case to another.

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.

The minimum required coverage under car insurance in Dubai is Third-Party Liability (TPL) insurance, as mandated by UAE law. It covers:

Bodily injury or death caused to a third party
Damage to a third party’s property, such as their vehicle

It does not cover damage to your own car.

Car insurance in the UAE must be renewed before the end of a 13-month period (12 months of coverage + 1 month grace period). If you don’t renew your policy before this period ends, it can lead to:

Inability to renew your vehicle registration (Mulkiya)
Fines and black points if you are caught driving without valid insurance

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

These add-ons may vary by insurer and plan.

Here are some easy ways to find your auto insurance policy number:

Check your original policy document – It is usually sent by the insurer as a PDF
Look at your vehicle Mulkiya (registration card) – Your policy number is often printed there
Log in to your insurer’s website or app – Your policy details are usually available in your account
Call customer support – Your insurer or insurance aggregator can help you retrieve it

If you got your policy through Policybazaar.ae, you can also call 800 800 001 for assistance.

Own damage cover is a component of comprehensive car insurance that pays for repairs to your own vehicle, regardless of who caused the accident. It usually covers damage or loss caused by:

Accidental damage
Fire, theft, or vandalism
Natural disasters, depending on the policy wording

This cover applies only to your own insured car.

To the new owner: No, you usually cannot transfer your motor insurance policy to the new owner of the car. The buyer must purchase a new insurance policy in their own name to register the vehicle.
To your new car: Sometimes, yes. Some insurers may allow you to transfer the remaining policy coverage to another car you buy, provided the insurer approves it and you pay any difference in premium.
If the policy is not transferred to another vehicle, the insurer may cancel it and refund the unused portion, depending on the terms.

Yes, absolutely. Expats can buy car insurance in Dubai if they have a valid UAE residence visa, Emirates ID, UAE driving licence, and vehicle registration card (Mulkiya). Some residents with licences from approved countries can also exchange their foreign driving licence for a UAE one.

The penalty for driving without valid car insurance in Dubai is AED 500, 4 black points, and 7 days of vehicle impoundment.

To buy car insurance in UAE, you generally need a valid driving licence, vehicle registration details, and valid ID documents. If you are an expat, insurers may also ask for your passport and residence visa copy. Some new residents with licences from approved countries may get the option to exchange their foreign licence for a UAE one before buying a policy.

No, a basic UAE car insurance policy does not automatically cover driving outside the UAE. If you want to drive in Oman or other GCC countries, you usually need an add-on such as Oman Extension or GCC cover. In many cases, it mainly covers damage to your own car. You’ll still need to arrange third-party cover separately.

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.

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.

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.

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.

Reviews & Ratings

★★★★★4.6 / 5

(based on 39,879 reviews)

Shyla beeviDubai, 23 May 2026

★★★★★

Hands Down the Best Place for Motor Insurance in the UAEI'd heard of PB.ae from a colleague and decided to try out for car insurance this time. Turns out, this was the best decision with how easy the whole journey was. Never did I ever expect to find the best policies with this much clarity, and that too with detailed explanations. Best site, delivered a 10/10 experience.

Laura Anne HaigDubai, 11 May 2026

★★★★★

Sound Advice on Car InsuranceCredits to Policybazaar.ae for getting me the best car insurance in UAE. The website was great as I could see the top plans, prices and whatnot, but the team was outstanding too. They took time and understood my requirements without rush. This zero pressure thing worked with me, like I actually made an informed choice!

Salma ElgerbyDubai, 5 May 2026

★★★★★

Helpful Experts and Clear Car Insurance OptionsPB people made it easier for me to understand car insurance plans in Dubai. The experts explained the important points in simple language and helped me compare the available options. I could check the premium, coverage and benefits before deciding. The experience was good and I did not feel pushed into buying something I did not need. So YESSSSSS!!!

YasirDubai, 28 April 2026

★★★★★

Expert Advice Made Car Insurance EasierI was not sure which car insurance in the UAE would be right for me. The expert advice from Policybazaar.ae really helped. Instead of just looking at the premium, I understood what coverage I should check, what add-ons may be useful and what things I should avoid. It made me feel more confident before buying the insrance.

Lino JohnDubai, 19 April 2026

★★★★★

Good Platform for Comprehensive Insurance in DubaiI wanted comprehensive car insurance in Dubai and was not sure which plan would offer the right coverage. Policybazaar.ae showed multiple options from different insurers, which helped me compare prices and benefits easily. I liked that I could see important details like coverage, add-ons and claim support before making a decision. It felt more transparent than choosing a plan blindly.

AHMED SABRI SYEDAbu Dhabi, 13 April 2026

★★★★★

Quick Car Insurance Renewal OnlineI used PB.ae for my car insurance renewal in the UAE and the process was simple. I entered my basic details, compared the avalble plans and renewed my motor policy online. It was much faster than visiting different branches or waiting for calls. The platform is useful for anyone who wants a simple and quick way to renew car insurance without too much back and forth.

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Car Insurance in Dubai & UAE

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Car Insurance Inclusion & Exclusions in UAE

List of Add-ons for Car Insurance Dubai

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