Car Insurance

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Car Insurance in Dubai & UAE
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Secure your car starting @ AED 360
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Car Insurance is a reassurance from insurance providers that your investment in the said vehicle is safe if you meet with an accident or the vehicle is stolen, damaged or vandalized for a variety of reasons. Instead of paying out-of-pocket, the car insurance company in UAE pays costs associated with damages in exchange for certain annual premiums.

Best Car Insurance in UAE

Some of the best and the cheapest car insurance quotes in Dubai are:

Nissan
2017
Altima
S 2.5L

Car Insurance UAE

Planning to Buy Car Insurance in UAE, Let's First Understand - What is Car Insurance?

Car insurance is a type of general insurance that works to protect the vehicle, passengers and you the driver, from damages and loss incurred in an accident.

Car Insurance - Why it is Vital to buy?

Driving may be therapeutic but it is not always one hundred percent safe. Going out on the road in your precious car puts you, the passengers and other drivers at the risk of accidents, sometimes totally unavoidable. This is where vehicle insurance steps in and make it necessary for everyone to buy Car Insurance UAE to ensure your peace regarding the safety of your vehicle. You pay a yearly premium to the insurance company for car insurance Dubai. In return, it takes on the responsibility and risk of handling the repair expenses in the event of an accident/collision/theft/total loss of the car, partially or fully.

KEY TAKEAWAYS

  1. Car insurance is a contract between the insurance provider and insurance buyer under which the buyer pays certain premiums in exchange of assurance of financial safety in case of a car accident.
  2. It ensures the availability of funds in case your car is damaged or stolen.
  3. Types of auto insurance - Third Party and Comprehensive Car Insurance.
  4. Third-party liability insurance, ensures compensation for the third party (and not the insured) in case of damages.
  5. Comprehensive car insurance is the best option for financially protecting your own car as well.
  6. Things to note for keeping a clean driving record and making the best of your car insurance plan.
  7. The best ways to lower your insurance premiums.

Key Features of Car Insurance

Key Features

Benefits Offered

Coverage 

Comprehensive as well as standalone plans.

Third-Party Cover

Mandatory , Accident benefits upto 200,000

Coverage

Up to AED 200,000.

Minimum Premium

Begin at AED 1300.

Process for initiating claims

Insurer Portals, or offline through  their local branches.

Claim Assistance

Yes

Savings

up to 45%

Add-ons along with the main coverage

Driver Cover, Passenger Cover, Natural Calamities, Replacement Of Vehicle, Roadside Assitance, Oman Cover

Buy/Renew Process

Hassle free online process

Benefits car insurance

Type of Car Insurance in UAE

Car insurance can be of two main types – Comprehensive and Third party Insurance. These two vehicle Insurance types are segregated on the basis of the type of coverage they offer, the scope and the tenure of the plan. It is mandatory to have at least a basic level car protection plan for your vehicle at all times. Any of the two types of available dubai car insurance can fulfill that requirement for you. Let’s examine all kinds of auto insurance:

Comprehensive Insurance:

A comprehensive car insurance plan is designed to protect you from third-party liability claims as well as damages incurred by your vehicle and injuries sustained by the driver. Depending on the coverage scope of the plan, a comprehensive car protection plan can offer cover against damages caused by accidents, fire, natural disasters, man-made disasters, theft and collisions. Comprehensive car insurance UAE can get you any level of coverage that you are looking for with options to customize the benefits as well.

Third Party Insurance:

A third-party liability car insurance plan is for all third-party claims in case of accidents where you are at fault. It is the most basic level of vehicle protection you will find anywhere in the world. Your vehicle is not protected or covered against any damages caused in an accident by a third-party liability vehicle insurance plan. All vehicles in the UAE are required to at least have a valid third-party liability coverage at all times. 

insurer your car

Comparison of Different Car Insurance UAE

COVERAGE THIRD PARTY COVER STANDALONE OD COVER COMPREHENSIVE COVER

Third-party bodily injuries 

Third-party property damage

Car’s own damages 

Personal accident coverage

Car Theft

Add-ons

  • Engine protection
  • No depreciation coverage
  • Geographical extension coverage
  • Off-road driving cover
  • Key replacement cover
  • Courtesy vehicle cover
  • Car accessory protection cover
  • NCB retention cover
  • Daily cash allowance
  • Return to invoice cove
  • Consumable items cover
  • Accidental coverage
  • Roadside assistance
  • Theft cover
  • Fire accident
  • Car agency repairs
  • Engine protection
  • Return to invoice
  • Tyre protect cover
  • Zero depreciation cover
  • Key replacement cover
  • Conveyance benefit
  • Breakdown assistance cover

Car Insurance Calculator

 

Get your car insured anytime, anywhere Calculate your Car Insurance Premium

Nissan
2019
Maxima
SR 3.5L
Yearly PremiumStarts from
AED 382.5

Computing auto insurance premiums on your own can be a huge hassle. What you can do instead is use our car insurance calculator to get an estimate. Policybazaar UAE insurance calculator is an expertly crafted, online computation tool that helps in determining the estimated auto insurance premiums for your policy. Here’s a list of steps you can follow to use our car insurance calculator:

  • Starting from the top-left enter your car brand, year of manufacturing, model and the exact variant.
  • Once you enter these details, the estimated car insurance premium for policies suiting your car will be displayed on the bottom-left side of the calculator. 
  • The computations can be changed by changing any of the four variables in the Policybazaar UAE auto insurance calculator.
  • You can also click “view plans” to view the most suitable car insurance UAE plans. 

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

Factors Influencing vehicle insurance Premiums

Value

Model Year 2018
Brand new car/ Second Hand No
Car Type Sedan
Last Year Claim? No
Car is Modified/ Non- GCC No
Car Value AED 32,000
UAE driving experience More than 1 year
Driver Age Greater than 25 yrs
Premium AED 840 + VAT

Note: All mentioned amounts, premium rates, depreciation and add-ons in the above table have been assumed as an example. The actual rate of premium rates, depreciation rates and other amounts will differ as per industry trends and provider policies.

Find Best Car Insurance in UAE & Quotes Online

Finding the best motor insurance plan for your vehicle in the UAE can be a lengthy process. However, there are a few simple tricks you can adopt to make sure you buy nothing but the best for your sweet ride. Given below are the top ways to find the best car insurance Dubai:

  • Evaluate Your Needs: Every driver-owner has a set of unique needs which means that your ideal auto protection plan needs to be customized. So, the first to buy the right car insurance 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 car insurance reviews online talk to your fellow car owners about their auto protection providers. Choose the one with fair goodwill at the least. Make notes of everything from their plans to the claim settlement process and customer service. 
  • Obtain a Few Quotes: Go ahead and get car insurance quotes in Dubai for at least your top 3 plans. Compare these final car insurance quotes in Dubai and find out which car protection plan is the most cost-effective. Comparison of your top options is one of the most important steps to find the best auto insurance in the UAE.
  • Research as Per Your Emirate: If you reside in Dubai, concentrate on finding the best auto 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 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.

Benefits of Car Insurance Dubai

Apart from fulfilling the mandatory requirements set by the UAE government, having a good and cheap car insurance plan can turn out to be a beneficial choice in many ways listed below:

1. Fulfills Legal Requirements

The first benefit of getting a vehicle insurance plan is that you will be saved from any legal consequences related to the traffic rules. If you do not have valid car insurance UAE, you can face a fine of up to AED 500 along with 4 black points on your license. In addition to that, the vehicle can be confiscated as well. So, having a proper and valid car policy can save you from this ordeal. 

2. Shield Against Third-Party Lawsuits

The biggest financial setback you can get after an accident is third-party liability claims. If you have caused the accident and do not have a protection plan to cover the damages, the complete responsibility will fall upon you. You will not only have to carry the repairs for your vehicle but may also have to pay up third-party claims for vehicular damages and injuries. A good car insurance Dubai can save you from this problem at the least. 

3. Better Financial Stability

Having auto insurance at the best price rely upon grants you better stability when it comes to managing finances from Policybazaar. If you are at fault in an accident, your auto insurance online or offline will cover the damages incurred by your vehicle as well as the third-party liabilities. Whereas, if the other driver is at fault, the damages will be covered by the insurance provider of the other driver. In addition to that, your protection plan may also offer a helping hand if the other driver is underinsured or uninsured. Hence, saving you from most possible scenarios. 

4. Cover Against Loss or Theft of Vehicle

Another great benefit of having a car protection plan is that you will be covered against theft as well as complete loss of your vehicle. This means if your car happens to get stolen or meets total loss after an accident, the insurance company will reimburse you for the current market value of the car.

insurer your car

Documents Required to Buy or Renew UAE Car Insurance

Given below is the complete set of documents you will need to buy or renew your car insurance UAE at any given time. Online purchases may only require you to submit the details with or without scanned versions of the documents. The offline purchase will require you to bring the originals as well as a few copies, as mentioned below:

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

Factors Affecting Car Insurance Premium Dubai

Several factors can affect the price of your car protection plan. Some of these are related to your car while others are completely dependent on the driver. Given below are the top factors that can influence the price of your car protection plan:

1. Age and Condition of the Car

The older your car is, the more expensive it would get to insure it. Older cars are more susceptible to breaking down and facing other issues. This increases the risk that insurance companies take on when offering you an auto insurance plan. This also means that newer cars in top conditions results in cheap car insurance Dubai. If your car is old but you have kept it in good running condition, you can easily score some discount on the insurance price. The same goes for newer cars in bad condition. You may have to pay higher insurance prices if the age of your car is significantly less but the condition is not good.

2. Age of the Driver

Younger drivers cause more accidents statistically. This leads to higher auto insurance prices when younger drivers are included in the picture. Significantly older drivers also represent the same trend of increased accidents and can inspire higher car policy prices. The simple calculation here is that more experienced drivers who are statistically less inclined to cause accidents get comparatively lesser prices in their insurance plan. 

3. Driving Record and Habits of the Driver 

A good driving record in the UAE will earn you discounts on your auto insurance price while a bad one can jack it up pretty quickly. Your driving records are accessible by your auto insurance provider. A good driving record will show that you are a low-risk driver. This makes insurance companies lower their plan price or offer a discount. The opposite happens when you are a high-risk driver. The car insurance( تأمين السيارة) companies have to increase the price of the premium to manage the higher level of risk that auto insurance companies take on. So, maintaining a good driving record becomes one of the ways to find the best car insurance UAE.

4. Current Market Price of the Car

Newer cars with higher market value or price attract equally high insurance prices. The reason here is that when an insurance company insures an expensive vehicle and pays for the repairs, it costs them equally higher. The lower market price of the car would mean significantly cheaper car protection because the insured declared value of the plan will go down simultaneously. 

5. Claim History of the Car

If you are the second owner of your car, you may have to check the claim history of the car when you buy it. If the previous owner of the car has made a lot of claims in the past, insurance companies may sell offer the new motor insurance plan at an increased price. The more claims you make against a policy, the higher risk your vehicle is considered for the insurance company. This is why the price of the insurance plans increases several folds when the claim history is laden with several small and big claims. 

6. Road Accident History of the Car 

Yet again, a car that has been involved in a lot of road accidents is susceptible to get higher auto insurance premiums. The reason remains the same – it is branded as a high-risk vehicle to insure for any insurance company out there. When a vehicle or a driver has a bad accident or traffic violation record, they become a liability to the insurance company. Hence, the premium increases when the owner sets out to buy or renew the plan every year. 

7. Type and Coverage of the Insurance Plan 

Unrelated to the car or the driver-owner, the price of your auto insurance premium will also be influenced by the kind of services and benefits you opt for. As a thumb rule, a more comprehensive auto insurance plan would be more expensive than its basic counterpart. On top of that, if you go ahead and include a few add-ons or riders on it, the premium further increases. 

8. Deductible

When you choose to take higher amounts of deductibles with your car insurance UAE, the premium is lowered significantly and vice versa. The deductible is the amount that the policyholder pays out-of-pocket whenever a claim against the auto protection plan is submitted. The insurance company covers whatever cost remains after the payment of deductibles. This lowers the risk for insurance companies and hence the premium is lowered as a result. 

9. Available Promotions and Discounts

Just like any other type of business out there, auto insurance companies keep rolling out promotions and special discounts. Some of these can be anniversary deals, festival bonuses, good driving discounts or simply online purchasing discounts. Depending on what you can score, your premium can go or higher. The way to find best car insurance Dubai is to scan such discounts and compare auto insurance quotes properly before buying

insurer your car

Choose Best & Cheapest Car Insurance Dubai, UAE 2022

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:

Auto Insurance Insurers

Types of Insurance Plans Offered

ADNIC 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
See Plans

Buy Auto Insurance Online & Offline in UAE

There are two basic ways to buy insurance plans for car in the UAE – online and offline.

To buy car insurance UAE online, you can either use the provider website or the Policybazaar UAE website. Simply log on to the website and enter your basic details on the lead form. A list of plans suiting your needs will appear after you submit the information form. Choose the auto insurance plan and the provider you like from this list and proceed with the purchasing procedure. Enter the registration details and other required information on the application form.

Finalise the purchase by making payments and completing the buying process. You can repeat the same steps to buy auto insurance in Dubai from provider websites. But you have to finalise the plan and provider beforehand in this situation since there won’t be much room to draw a comparison on the provider website. 

To buy your auto insurance plan offline, visit the nearest branch office of your provider. Connect with one of the car policy brokers there or get in touch with the available representative. The assigned auto insurance broker will help you understand the process to buy car insurance Dubai offline and assist you along the way. Make sure that you bring physical copies of the required documents and originals as well. 

Benefits of Buying Car Insurance Online in UAE

Ways to Find the cheaper cover & best car insurance deals in Dubai, UAE

Even though you have the liberty to buy your auto policy in whichever way you see fit, it is advisable to buy it online. A long list of benefits will follow your decision to buy car insurance UAE online. Given below are the top ones that you can consider:

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

insurer your car

Car Insurance Dubai Inclusions

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

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

Car Insurance UAE Add Ons

Also known as riders, add-ons are additional covers that you can buy with your car insurance Dubai for an additional price on top of the basic premium amount. Add-ons for car protection plans in the UAE can differ for all motor insurance companies in Dubai. Some benefits may be offered as an additional service by one provider while the other may offer it as a basic benefit of their auto insurance plans. It all depends on how comprehensive the basic coverage is. Given below is a list of all popular add-ons car insurance UAE:

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

What’s Not Covered by Car Insurance UAE?

Given below is a complete list of all the general exclusions of an auto insurance plan in the UAE. Many motor insurance companies in Dubai offer add-ons to cover some of these exclusions too. 

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

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What is No Claim Bonus in Car Insurance UAE?

No claim bonus is the reward you get when you spend the whole tenure of your car insurance Dubai without making even a single claim. Auto insurance providers offer a discount in the form of a claim bonus for policyholders. No-claim bonus keeps adding up for every consecutive year you do not submit a auto insurance claim in the UAE. The maximum amount of discount you can get on your vehicle insurance quotes as a no-claim bonus is 50%. Some special cases can even bag up to a 65% discount. All the best car insurances UAE have the option to avail of no-claim bonus discounts. Here are some of the key facts you must know about no-claim bonus in the UAE:

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

City Based Auto Insurance

Car Insurance Abu Dhabi Car Insurance Al Ain Car Insurance Sharjah

How to File a Car Insurance Claim in the UAE?

The claim process for your auto insurance plan is pretty much the same for all the providers in the UAE. Given below are the basic steps you need to follow to submit a car insurance claim in UAE against your car insurance Dubai:

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

What to do After a Car Accident in the UAE?

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

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

Online Car Insurance Renewal

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

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

Remember that the renewal process can differ a little bit for every provider. But the basics remain the same. Make sure that you read any additional information available for the renewal of your auto insurance plan. You can contact the provider to get a better idea.

Consider Before Renewing Car Insurance Dubai

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

Car Insurance Dubai Guide

Engine Damage and Auto Insurance Cover Guide Guide to Renew Car Registration in Dubai & Abu Dhabi

Car insurance Cover if my Friend is Driving my Vehicle in Dubai Guide

Guide of Car Insurance Claim in UAE

Guide For New Driver Looking for Car Insurance

Guide for Renewing Your Car Insurance in the UAE

Diff b/w Comprehensive & Third-Party Insurance

Guide For Car Insurance in Desert in the UAE

Compare Cheap Car Insurance Dubai, UAE

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

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

Why Should You Buy Car Insurance Through Policybazaar.ae?

Policybazaar.ae is committed to offering an extensive range of insurance products to cater to the needs of a variety of vehicle owners. You can buy cheap car insurance Dubai and the UAE by comparing various plans at Policybazaar.ae. Apart from this, we allow you to easily navigate through a platform that lists some of the best car insurance Dubai online, all in one place. Here is a list of reasons for you to buy your online car insurance UAE from PolicyBazaar UAE:

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

Car Insurance FAQs

Q. What is the complete tenure of car insurance UAE?

Ans. Auto insurance plans in the UAE are valid for a total of 13 months. You can renew the same plan when the renewal date arrives and continue the coverage as long as you like.

Q. What is the grace period? Can my vehicle insurance plan expire?

Ans: All vehicle insurance plans come with a grace period of 30 days in the UAE, with this one month out of the 13 months of tenure being treated as the grace period for the insurance plan. If you fail to renew the plan within this timeframe, it expires. 

Q: What is a comprehensive car insurance plan?

Ans: A comprehensive insurance plan covers third-party liability, damages to the policyholder’s vehicle, and fire and theft damages as well.

Q. Is comprehensive car insurance coverage mandatory in the UAE?

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

Q. Can I transfer my vehicle insurance plan to another car owner when transferring car ownership?

Ans: Yes, vehicle insurance plans can be transferred to the next owner of the car when you sell it or transfer ownership to your family members. However, there must be at least 7 months remaining on the plan for it to be transferred. Otherwise, it won’t be transferable.

Q. Is off-road damage covered by my car insurance plan?

Ans: Some insurance plans for car in the UAE cover off-road driving and damages as a basic benefit. Others may require you to buy a separate add-on for off-road damages.

Q. Can auto insurance plans be cancelled anytime I want?

Ans: Yes, you can easily cancel your vehicle insurance plan anytime you want. Simply approach the provider or the broker and submit a cancellation request.

Q. Who is eligible to buy car insurance plans in the UAE?

Ans: Every car owner with valid vehicle registration documents, driving license or permit, and residency/citizenship documents can buy car insurance plans in the UAE. 

Q. Can I transfer my no claim bonus to another car owner?

Ans: No, the no claim bonus cannot be transferred to the next owner of the car. You can only transfer the no claim bonus to another policy you buy yourself.

Q. What is NCB retention cover and how does it work?

Ans: No claim bonus retention cover is an add-on available with comprehensive insurance plans. The no-claim bonus retention cover allows you to make one or two own damage claims in a year and still keep your no-claim bonus. However, the actual number of claims allowed can differ as per the provider.

Q. Can I add hired drivers to my car insurance plan?

Ans: Yes, you can add as many named drivers to your vehicle insurance plans as you like, including both hired drivers and family members. However, the names should be added with care, as the driving record of every named driver can affect the auto insurance price of your car.

Q. What are the two types of accessories?

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

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

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

Q. Can a filed claim be cancelled?

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

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

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

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

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

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

Ans:  A standard policy cover is for 13 months and the registration is valid for 12 months. This simply means that you will have to renew the policy after 12 months. However, there is a grace period of 1 month which makes the issuable period to be 13 months.

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

Ans: 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 if you are unable to renew vehicle insurance on time, as per the laws of RTA, you will be granted a grace period of 30 days after the expiration to renew your car insurance UAE.

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