Car Insurance for 25 Year Olds

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As a 25-year-old car owner in the UAE, you may have experienced the thrill of the open road and the freedom that comes with it. However, along with this independence comes responsibility, including the need for car insurance to financially protect yourself and your vehicle.

Car insurance can seem daunting, especially for young drivers who may be navigating the process for the first time. With so many options and factors to consider, it is easy to feel overwhelmed. That's why we have put together this comprehensive guide to help you understand everything that you must know about car insurance for 25-year-olds in the UAE.

From mandatory coverage to optional add-ons, we will break down the different types of car insurance plans and explain what you should consider when choosing a policy. We will also offer tips on how to save money on your premiums. So buckle up, and let us get started!

How Does Age Impact Your Car Insurance Deals?

In the UAE, drivers who are 25 years old or younger generally pay a higher premium as they are regarded as having less driving experience. After 25 years of age, car insurance rates begin to decrease. Due to their tendency to be risk-averse, drivers 50 and older pay the lowest premiums.

As per statistics, young drivers are more likely to be in car accidents. This is the reason why insurance providers examine driving records prior to determining premiums. In the first few years, a driver can lower their car insurance rates if they don't have any accidents, obey the law, and have a spotless driving record.

When you reach 25, you may contact your insurance company to request a decrease in your auto insurance premiums. The majority of insurance providers in the UAE provide a discount beyond the age of 25.

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Top Car Insurance Quotes for 25 Years Old in the UAE

Have a look at some of the best car insurance plans for 25 years olds in the UAE below -

Plan Name Excess Amount
Tokio Marine Comprehensive (Garage) AED 350
Union Insurance Comprehensive (Silver Agency) AED 500
Salama Insurance Comprehensive (DynaTrade) AED 200
GIG Gulf (Previously AXA) Comprehensive (Agency) AED 500
Adamjee Insurance Third Party Only NA
Alliance Insurance Third Party Only NA

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Inclusions of the Car Insurance Quotes for the 25 Years Old in the UAE

Listed below are the prime inclusions of the car insurance quotes for 25 years olds in the UAE -

Plan Name Inclusions
Tokio Marine Comprehensive (Garage)
  • Cover for Third-party Damage - up to AED 3,000,000
  • Geographical Coverage for Damage to Own Vehicle - Only in the UAE
  • Cover for Third-party Liability Bodily Injuries
  • Cover for Riots/MD/Strikes
  • Windscreen Damage Waiver - Waived only once
  • Ambulance Service Cover (National Ambulance Cover) - up to AED 6,770
  • Personal Injury Cover - up to AED 10,000
  • Cover for Fire and Theft
  • Car Hire Cash Benefit - 
    • Hire Cash Benefit (if the policyholder or driver is at fault) - up to 20 days
    • Hire Cash Benefit (if the policyholder or the driver is not at fault) - Covered
  • Cover for Self-Authorisation Repairs - up to AED 1,000
  • Cover for Loss of Personal Belongings - up to AED 2,500
  • Emergency Medical Expenses - up to AED 3,000
  • Cover for Taxi Fare - up to AED 200
  • Cover for Accident and Breakdown Recovery 
  • Loss of Benefit Allowance
Union Insurance Comprehensive (Silver Agency)
  • Cover for Third-party Damage - up to AED 3,500,000
  • Geographical Coverage - 
    • Third-party Liability - Only in the UAE
    • Damage to Own Vehicle - Oman and the UAE
  • Cover for Damages Incurred due to Strike/MD/Riots
  • Emergency Medical Expenses Cover - up to AED 3,000
  • Coverage for Taxi Fare - up to AED 100
  • Cover for Personal Injury - up to AED 10,000
  • Cover for Valet Parking Theft
  • Agency Repair
  • Cover for Windscreen Damage - up to AED 1,000
  • Ambulance Service
  • New Car Replacement if There is Total Loss - Auto Gap - up to 6 months (only for brand-new vehicles)
  • Cover for Lock Replacement - up to AED 1,000
  • Garage Repair Guaranteed - up to the policy period
Salama Insurance Comprehensive (DynaTrade)
  • Cover for Third-party Damage - up to AED 3,500,000
  • Geographical Scope of Coverage -
    • Third-party Liability - Oman and the UAE
    • Damage to Own Vehicle - Oman and the UAE
  • Cover for Loss of Personal Belongings - up to AED 5,000
  • Cover for Emergency Medical Expenses - up to AED 5,000
  • New Car Replacement in Case of Total Loss - Auto Gap - up to 6 months (only for brand-new vehicles)
  • Cover for Damage in Valet Parking (only due to accident)
  • Cover for Damages Due to Fire and Theft
  • Car Registration Service - Once a Year
  • Cover for Windscreen Damage - up to AED 4,000
  • Cover for Ambulance Service - up to AED 6,770 per person
  • Cover for Lock Replacement - up to AED 1,000
  • Off-road Cover - for 4WD Only
  • Cover for Child Car Seat Replacement - up to AED 2,000
GIG Gulf (Previously AXA) Comprehensive (Agency)
  • Cover for Third-party Damage - up to AED 3,500,000
  • Geographical Scope of Coverage -
    • Third-party Liability - Oman and the UAE
    • Damage to Own Vehicle - Oman and the UAE
  • Cover for Damages Incurred Due to Riots/MD/Strikes
  • Waiver for Windscreen Damage - up to AED 5,000
  • Ambulance Services
  • New Car Replacement if There is Total Loss - Auto Gap - up to 6 months from the 1st registration
  • Off-road Cover
  • Cover for Accident and Breakdown Recovery
  • Car Registration Service - Once a year
  • Airport Pick and Drop Service - Once a year
  • Cover for Loss of Personal Belongings - up to AED 4,000
  • Cover for Emergency Medical Expenses - up to AED 3,500
  • No-Claim Bonus Discount Retention 
  • Cover for Personal Injury - up to AED 20,000
  • Cover for Damages due to Fire and Theft 
  • Guaranteed Garage Repair
  • Automobile Maintenance Pick and Drop Service
Adamjee Insurance Third Party Only
  • Cover for Third-party Damage - up to AED 2,000,000
  • Geographical Coverage for Third-party Liability - Only in the UAE
Alliance Insurance Third Party Only
  • Cover for Third-party Damage - up to AED 2,000,000
  • Geographical Coverage for Third-party Liability - Only in the UAE
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Exclusions for the Best Car Insurance Plans for 25 Years Old

Here are the major exclusions for the car insurance quotes for 25 years olds -

Plan Name Exclusions
Tokio Marine Comprehensive (Garage)
  • New Car Replacement in Case of Total Loss (for brand new cars only)
Union Insurance Comprehensive (Silver Agency)
  • Cover for Loss of Personal Belongings
  • Off-road Cover
  • Cover for Involuntary Loss of Employment Insurance
Salama Insurance Comprehensive (DynaTrade)
  • Cover for Damages Incurred due to Riots/MD/Strikes
  • Agency Repair
  • Cover for Involuntary Loss of Employment Insurance
  • International Driving Licence Discount
GIG Gulf (Previously AXA) Comprehensive (Agency)
  • GCC and UAE Coverage

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Riders Provided by the Best Car Insurance Plans for 25 Years Old

Tabled below are the riders available for the best car insurance plans for 25 years olds in the UAE -

Plan Name Add-ons
Tokio Marine Comprehensive (Garage)
  • Personal Accident Cover 
    • For Driver - AED 200,000
    • For Passenger - AED 200,000
  • Natural Calamity Cover: For Storm and Flood
  • Oman Extension - for Own Car Damage
  • Roadside Assistance includes 
    • Battery service
    • Flat tyre service
    • Off-road Recovery
    • Lockout service
    • Towing service
Union Insurance Comprehensive (Silver Agency)
  • Personal Accident Cover 
    • For Driver: AED 200,000 - Free
    • For Passengers: AED 200,000 - Free
  • Natural Calamity Cover - Free
  • Oman Cover: Damage to Own Vehicle - Free
  • Vehicle Replacement Cover: for up to 5 Days - AED 145
  • Roadside Assistance: Silver - Free; includes -
    • Mechanical assistance
    • Lockout service
    • Fuel delivery service
    • Off Road Recovery
    • Car Registration Service - Once a Year
    • Battery service
    • Flat tyre service
    • Towing service
    • International Driving Licence Discount - Discount of AED 5
Salama Insurance Comprehensive (DynaTrade)
  • Personal Accident Cover 
    • For Driver: AED 200,000 - Free
    • For Passengers: AED 200,000 - Free
  • Vehicle Replacement: 10 Days - Free
  • Roadside Assistance - Free; includes -
    •  Mechanical assistance
    • Lockout service
    • Fuel delivery service
    • Towing service
    • Battery service
    • Flat tyre service
    • Off-road recovery 
  • Natural Calamity Cover: Natural Perils - Free
  • Oman Cover: Orange Card - Free for own and third-party damage (free for 1 year)
GIG Gulf (Previously AXA) Comprehensive (Agency)
  • Personal Accident Cover 
    • For Driver: AED 200,000 - Free
    • For Passengers: AED 200,000 - Free
  • Vehicle Replacement Cover - AED 110
  • Oman Cover - Free
  • Roadside Assistance: Breakdown Recovery (vehicle towing, mechanical first aid, flat tyre service, and battery jump-starts) - Free (Mandatory)
  • Natural Calamity Cover - AED 50.48
Adamjee Insurance Third Party Only
  • Personal Accident Cover 
    • For Driver: AED 200,000 - Free
    • For Passengers: AED 200,000 - Free
  • Roadside Assistance - AED 10; includes -
    • Vehicle towing
    • Mechanical first aid
    • Battery jump-starts
    • Flat tyre service
Alliance Insurance Third Party Only
  • Personal Accident Cover -
    • For Driver: AED 200,000 - Free
    • For Passengers: AED 200,000 - Free
  • Roadside Assistance: 10 Days - Free; includes -
    • Mechanical assistance
    • Lockout service
    • Fuel delivery service
    • Towing service
    • Battery service
    • Flat tyre service
  • Oman Extension (Damage to Own Vehicle only) - AED 300

How to Apply for the Car Insurance Quotes for 25 Years Old?

Applying for the best car insurance quote for a 25-year-old is super easy with Policybazaar.ae. This is a third-party aggregator website that houses a plethora of car insurance plans for different age groups under one roof.

You can seamlessly browse through the options on our car insurance quotes page and find the car insurance in Dubai. The website is easy to manoeuvre and requires just a few clicks to get the right car insurance quotes for a 25-year-old in the UAE.

Here is what you get when you apply for the best car insurance plans for 25 years old in the UAE on policybazaar.ae -

  • Opportunity to browse and compare the features of the best plans from the major industry players in the UAE
  • Discounts and deals on the best plans
  • Round-the-clock customer care service
  • Assistance from the team of insurance experts

To apply for the best car insurance in Dubai, UAE, click on the “Car Insurance” tab on the homepage of policybazaar.ae or select the relevant option from the ‘Insurance’ tab present on the menu bar.

This will take you to the car insurance page, where you will find the lead form. Fill it out accurately and submit it. You will then be directed to the quotes page, where you can browse through the options and select the best car insurance plan for a 25-year-old.

Here are the documents that you may need to provide when applying for car insurance in Dubai -

  • A valid driving licence
  • Valid passport and residence visa
  • Emirates ID 
  • Car registration
  • Pollution test certificate
  • Old car insurance policy number
  • A confirmation letter that the car is GCC specific

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Things to Keep in Mind When Purchasing a Car Insurance Plan for 25 Years Old

To ensure that you are financially protected in the event of an accident or theft, you must have car insurance. You can get financial protection from the significant costs associated with a crash or theft with car insurance. However, as insurance companies analyse your age to assess the risk associated with insuring you, age has a significant impact on both the cost and availability of auto insurance.

Here are some things to keep in mind while purchasing the best car insurance plans for 25 years olds -

  • Affordable Deals - Research is one of the most effective ways to locate the best auto insurance for you. Never accept the first plan that you are given. Utilising a site for comparisons like Policybazaar.ae for comparing insurance plans is the most effective method to find a deal that is within your budget. With this option, you will be instantly presented with a number of automobile insurance rates on a single platform.
  • Higher Risk - Young drivers are perceived as carrying a higher risk simply because they have a lot less driving experience than more experienced drivers. This often means that your premium will be slightly higher because insurance providers are cautious about covering people between the ages of 18 and 25.
  • Inexperience - Young drivers may need to pay up to 30% more in monthly premiums than older drivers as their inexperience is considered to pose a significant risk to insurance providers. You may try to lower your costs by taking a professional driving course to enhance your driving abilities.
  • Determine Your Insurance Requirements - You must be aware of your requirements before searching for an insurance plan. For instance, some drivers get a comprehensive automobile insurance plan to pay for both their own and other drivers' vehicles' damages. Others, however, may decide to only purchase third-party auto insurance and cover the cost of their own damage repairs.
  • Search for Offers and Discounts - You must keep an eye out for deals and discounts that you may take advantage of to reduce the cost of your insurance. The best way to preserve your hard-earned income is by taking advantage of these deals and discounts. Do not skip on signing up for newsletters as well to receive updates on the newest deals! You can use these discounts to renew your auto insurance as well.
  • Choose Suitable Riders - Some insurance companies prefer to tailor their auto insurance policies to suit customers' specific insurance requirements. To meet the insurance needs of insurance purchasers, the majority of automobile insurance companies now offer a variety of add-on covers. In order to increase the protection of your basic insurance plan, you can choose from a variety of add-on covers, including agency maintenance, GCC coverage, natural disaster coverage, personal accident coverage, and emergency help. Although add-ons have a small insurance fee, the coverage they offer is completely worth it.
  • Be Honest - It is best to be honest when buying car insurance. If this is not the case, your application can be turned down. Moreover, even if accepted, you may face difficulties at the time of making a claim.

Make sure that there are no errors or inconsistencies when filling out the application. You must also ensure that you adhere to all the requirements and avoid altering the data you enter on the application form. 

Related Links - 

Car Insurance for 23 Year Olds in UAE
Car Insurance for 25 Year Olds in UAE

In a Nutshell

Your age has a large impact on your car insurance premium rate. All the drivers up to the age of 25 years old usually have less driving experience than the older drivers. Young drivers are also statistically involved in more road accidents than seasoned drivers. Due to all these factors, insurance providers tend to charge higher premiums for individuals around 25.

If, as a young driver, you are able to demonstrate your driving skills, abide by the traffic rules, and are not involved in accidents, you can get your premium reduced easily.

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