Q1. What are the documents needed to apply for AFNIC third party insurance?

Ans. If you are considering buying the AFNIC third party insurance, the following documents are required: Emirates identity proof Car policy registration documents Driving licence Copy of the passport with the resident visa

Q2. What are the documents that I need if I want to make a claim with AFNIC?

Ans. It is very easy to make a claim with AFNIC, as there are branch offices all over the UAE. The following documents are required to make a claim: Vehicle registration card Police report of the accident Driver’s licence Images of the loss or damage incurred Claim form Detailed inventory and list of the damaged items Cost estimate for repairs If claim letter has been sent to the third party, a copy of the same

AFNIC Third Party Car Insurance

Q: Q3. Are damages to the vehicle due to natural disasters covered under third-party car insurance?

Ans. No, damages to your own vehicle due to natural disasters are not covered under third-party car insurance.

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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 27 April 2026Editorial Standards

Third-party car insurance is essential in covering drivers against liabilities arising from accidents involving others. Al Fujairah National Insurance Co (AFNIC) offers reliable third-party car insurance in the UAE, covering injuries, deaths, and property damage caused to third parties. With this plan, you can get financial protection while also complying with UAE traffic laws. With AFNIC's coverage and customer-centric approach, you can navigate the roads with confidence, knowing that you’ll be safeguarded against unforeseen incidents and potential financial burdens.

Top UAE Third Party Car Insurance Plans

Choose Cheap & Best Third Party Car Insurance in UAE

*Above mentioned prices are for Honda City EX 1.5L, 2022 model.

Why Should You Buy for AFNIC Third-Party Car Insurance Plan?

Let’s understand the main reasons to apply for an AFNIC third-party insurance plan —

Customisable car insurance policies
24/7 insurance claim assistance
Round-the-clock customer care service
Affordable premium rates

Inclusions of AFNIC Third-Party Car Insurance Plan

Third-party liability for damage to vehicle or property
Third-party liability against bodily injuries

Exclusions of AFNIC Third-Party Car Insurance Plan

Coverage outside the UAE
Coverage against natural disasters
Coverage for damages due to foreign invasions, warlike situations, and more
Damage to own vehicle

How to Apply for the Best Third-Party Car Insurance Plans in the UAE?

Policybazaar.ae helps you get the best third-party car insurance plans in one place. What’s interesting about this platform is that you can do everything in just a few clicks — exploring and comparing plans, checking their features, applying for your favourite one, and more!To start, fill out the lead form — this will take you to the car insurance quotes page. Here, you can compare your third-party car insurance options and select the most suitable one. The plans are affordable and you can enjoy privileges like an instant application process with the website.

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FAQ's

Ans. If you are considering buying the AFNIC third party insurance, the following documents are required:

Emirates identity proof
Car policy registration documents
Driving licence
Copy of the passport with the resident visa

Ans. It is very easy to make a claim with AFNIC, as there are branch offices all over the UAE. The following documents are required to make a claim:

Vehicle registration card
Police report of the accident
Driver’s licence
Images of the loss or damage incurred
Claim form
Detailed inventory and list of the damaged items
Cost estimate for repairs
If claim letter has been sent to the third party, a copy of the same

Ans. No, damages to your own vehicle due to natural disasters are not covered under third-party car insurance.

Reviews & Ratings

★★★★★4.7 / 5

(based on 44,602 reviews)

MAJED HUSSAIN ALI WAHEEDIDubai, 15 September 2026

★★★★★

Add-ons on what I actually needWhat I liked about this pllatform was I could choose add-ons as per how I actually use my car. Usually insurers pushed all add-ons, even the unnecessary ones. This team did not, and I selected the ones that made sense for me for real. The whole process felt much more comfortable here.

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★★★★★

Found much better ratesTill date car insurance was either low rates or compromised coverage. On this platform I compared many plans and surprisingly found a good plan. Like affordable rates but pretty solid cover too.

AHMAD ZUHIER M R IDRIESAbu Dhabi, 31 August 2026

★★★★★

Actual support when confusedI was clear that I wanted comprehensive motor insurance, but not sure about what the diff was between add-ons and excess. But thankfully contacted Policybazaar.ae team. I asked a few questions and got satisfactory answers without any pressure to buy.

MOHAMED AHMED KHALAFDubai, 25 August 2026

★★★★★

Nice options for new carRecently bought new car, was not sure of dealership insurance. Checked a few plans here and actually, found amazing options at not much cost too. Glad I did that as, I got better deals instead of just going with the recommendation.

Tiaan TerblancheDubai, 18 August 2026

★★★★★

Good comparison before renewalMy car insurance was due for renew, and luckily I found Policybazaar.ae. Surprised by how many more plans and prices were out there. Rather than going with the same insurer like every time, it was good to compare options on this site.

Ribu JeromeDubai, 14 August 2026

★★★★★

Simple to compareI don't understand car insurance terms much. On Policybazaar.ae, everything was side by side, so I could see what's covered and what's not. Chose in one sitting.