Best Car Insurance for Expats in UAE

Car insurance in UAE is mandatory for all vehicle owners, whether you’re an expat or a national. To comply with traffic regulations, you need the best car insurance for expats to adhere to traffic rules. This guide explores the details of expats motor insurance covering available policies, and essential features to the top providers. Whether you’re seeking comprehensive coverage or third-party liability, knowing what to consider when selecting a plan will help you secure the right insurance tailored to your needs.

Understanding Car Insurance for Expats

Whether you are a resident or an expat, car insurance is mandatory for all. Motor insurance for expats in UAE works the same way as it does for residents and nationals. There are 2 primary types of coverage – third-party liability and comprehensive coverage. Understanding the best car insurance options for expats in UAE is crucial. It is also important to consider various factors when selecting an insurance policy for your car in the UAE.

Best Car Insurance in UAE

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

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

Best Car Insurance Plans for Expats in UAE

Several car insurance companies in UAE offer comprehensive as well as third-party liability policies for expats. Tabled below is a snippet of the top motor insurance plans.

GIG Gulf Comprehensive (Agency) -

Features & Benefits	Addons
Third-party damage limit Damage to the insured vehicle Third-party liability Blood money Damage due to MD/strikes/riots Personal injury Loss of personal belongings Guarantee of garage repair Windscreen excess waiver Off-road cover Ambulance service Lock replacement Fire and theft cover Emergency medical expenses No claim discount protection New car replacement in case of total loss - Auto Cap Accident and breakdown recovery Automobile maintenance pick and drop service Windscreen damage Valet parking theft cover read more	Personal accident cover for the driver and passengers Natural calamity cover Oman cover Vehicle replacement Roadside assistance – Breakdown recovery

Features & Benefits

Addons

Third-party damage limit
Damage to the insured vehicle
Third-party liability
Blood money
Damage due to MD/strikes/riots

Personal injury
Loss of personal belongings
Guarantee of garage repair
Windscreen excess waiver
Off-road cover
Ambulance service
Lock replacement
Fire and theft cover
Emergency medical expenses
No claim discount protection
New car replacement in case of total loss - Auto Cap
Accident and breakdown recovery
Automobile maintenance pick and drop service
Windscreen damage
Valet parking theft cover

Personal accident cover for the driver and passengers
Natural calamity cover
Oman cover
Vehicle replacement
Roadside assistance – Breakdown recovery

Sukoon Comprehensive (Gold Agency) -

Features & Benefits	Exclusions	Add-ons
Blood money Third-party liability Third-party damage limit Damage to the insured vehicle Ambulance service Loss of personal belongings Lock replacement Damages due to MD/strikes/riots Agency repair Personal injury Emergency medical expenses Windscreen damage Valet parking theft cover Off-road cover Fire and theft cover read more	New car replacement in case of total loss Off-road recovery	Personal accident cover for the driver and passengers Natural calamity cover Oman cover Roadside assistance – Mechanical assistance Lockout service Towing service (within the same city) Battery service Flat tyre service

Watania Takaful Mumtaz (Dynatrade) -

Features & Benefits	Exclusions	Addons
Third-party liability Third-party damage limit Blood money International driving licence discount Registration renewal Damages due to MD/strikes/riots Windscreen excess waiver Ambulance service New car replacement in case of total loss - Auto Cap Valet parking cover Fire and theft cover Emergency repair expense Loss of personal belongings Emergency medical expenses Taxi fares Lock replacement Off-road cover Child car seat replacement Car hire cash benefit read more	Involuntary loss of employment insurance Airport pick and drop service Agency repair	Personal accident cover for passengers and the driver Replacement of the vehicle Natural calamity cover Roadside assistance – Accident and breakdown recovery Battery service Flat tyre service Towing service Mechanical assistance Lockout service Fuel delivery service Car registration service

Qatar Insurance Company Prestige Comprehensive (Plus Garage) -

Features & Benefits	Exclusions	Addons
Third-party damage limit Damage to the insured vehicle Third-party liability Blood money Damages due to MD/riots/strikes Windscreen excess waiver New car replacement in case of total loss Lock replacement Fire and theft cover Ambulance cover Loss of personal belongings Emergency medical expenses Personal injury Valet parking theft cover Windscreen damage read more	Agency repair	Personal accident cover for passengers and the driver Vehicle replacement Natural calamity cover Oman cover Off-road recovery Roadside assistance (Platinum) – Off-road cover Mechanical assistance Lockout service Fuel delivery service Car registration service Accident and breakdown recovery Battery service Flat tyre service Towing service Airport pick and drop service read more

Dubai National Insurance Third Party Only

Features & Benefits	Exclusions	Addons
Third-party damage limit Third-party liability Blood money Ambulance service	Damage to the insured vehicle	Personal accident cover for passengers and the driver Roadside assistance – Mechanical assistance Lockout service Towing service Battery service Flat tyre service

Insurance House Third Party Only -

Features & Benefits	Exclusions	Addons
Third-party damage limit Blood money Third-party liability	Damage to the insured vehicle	Personal accident cover for passengers and the driver Roadside assistance – Mechanical assistance Lockout service Fuel delivery service Battery service Flat tyre service Towing service

*Disclaimer – Features, benefits, exclusions and riders may vary depending on the vehicle model, age, and type. The above-mentioned data is specific for Nissan Sunny, SV 1.5L variant, 2023 model.

Things to Consider When Choosing an Expat Car Insurance Company in UAE

When choosing the best car insurance company in UAE for expats, you should take certain factors into consideration. These factors include –

Coverage and Benefits – When selecting a car insurance provider, you should give due weightage to the coverage you want. Some providers will offer benefits as basic as cover for damages due to fire and theft and third-party liabilities cover. However, some providers also offer additional and optional benefits like roadside assistance, natural calamity cover, vehicle replacement benefit, and more. So, choose the kind of coverage you need smartly.
Checkout Claim Process – One important factor to consider when choosing the best car coverage is checking the claim process. It is vital to check out the company’s claim settlement ratio and claim settlement process. Make sure that you opt for a company with a straightforward claim process.
Compare Motor Insurance Quotes – Take advantage of websites like Policybazaar.ae and compare motor insurance quotes. Here, you can compare plans from the best car insurance companies in UAE, review their benefits, price, and additional details before making a decision.
Go Through Customer Reviews and Testimonials – Another effective way to scrutinise the best expat car insurance company is by reading the available customer reviews and testimonials. These reviews make it easy to understand which provider will offer a higher level of customer satisfaction.

Where to Buy the Best Car Insurance for Expats?

You can easily buy the best auto insurance for expats on Policybazaar.ae. This is a one-stop portal that offers comprehensive and third-party insurance plans from leading providers in the country. When you buy a plan from us, you get access to our exclusive PB Advantage program. Click here to explore the plans!