Car Insurance with Tabby in the UAE: Pay in 4 Interest-Free Instalments!

You can pay your UAE car insurance in four monthly installments on Policybazaar.ae using Tabby, at zero interest and zero processing fees. Your cover starts the moment the first payment clears, and not after the fourth. Say your comprehensive premium is AED 3,000. Instead of paying it all today, you pay AED 750 today and AED 750 in each of the next three months. Policybazaar.ae and Tabby launched this option in July 2026. This guide covers who qualifies, what your monthly payment looks like, what happens if you miss one, and the 13-month rule that catches out most UAE drivers.

Can You Pay for Car Insurance in Monthly Instalments in the UAE?

Yes. On Policybazaar.ae, you can split your car insurance premium into four equal monthly payments with Tabby. There is no interest, no processing fee, and no minimum premium.If four months is still tight, you can pick a six, eight, or twelve-month plan at checkout instead.

Your Question	The Answer
Can you pay monthly?	Yes, on Policybazaar.ae, powered by Tabby
How many installments?	4 by default — 6, 8, or 12 months also available
Interest charged	0% on the four-month plan
Processing fee	AED 0 on the four-month plan
Minimum premium	None
When does the cover start?	Straight away, once the first payment clears
Which covers qualify?	Comprehensive, Third-Party Liability, and Takaful
Live since	8 July 2026
Checkout partner	Tap Payments

What is Car Insurance with Tabby?

Car insurance with Tabby is a buy-now-pay-later payment option. You choose your policy on Policybazaar.ae and select Tabby at checkout, Your premium gets split into four equal monthly payments. Tabby pays Policybazaar.ae the full amount upfront, and you repay Tabby month by month at no extra cost.

Who is Tabby, and is it Regulated in the UAE?

Tabby is a financial technology company headquartered in Riyadh that serves the UAE, Saudi Arabia, and Kuwait. More than 65,000 brands accept it, including Amazon, IKEA, Adidas, and Samsung. It operates under UAE regulation. The Central Bank of the UAE (CBUAE) brought buy-now-pay-later services under its amended Finance Companies Regulation. Providers must work either as a Restricted Licence Finance Company or as an agent of a licensed bank. In April 2026, the CBUAE also granted Tabby a Stored Value Facilities (SVF) licence, which lets it hold customer funds.

Policybazaar.ae is itself regulated by the Central Bank of the UAE under Registration No. 123 and by the Dubai Department of Economy and Tourism under Trade Licence 233354.

How Does Paying for Car Insurance with Tabby Work on Policybazaar.ae?

Five steps, start to finish:

• Compare - Enter your car and contact details on Policybazaar.ae. You will see quotes from 35+ Central Bank-approved insurers on one page.
• Choose - Pick the plan and the add-ons you want.
• Select Tabby - On the payment page, choose the instalment option powered by Tabby. Tap Payments runs the checkout.
• Pay the first installment - Tabby shows you the exact schedule for the remaining payments before you confirm anything.
• Drive covered - Your policy is issued instantly. You are insured from day one.

How Much Will Your Monthly Payment Be?

Divide your premium by four. Nothing is added on top. Here is what that looks like:

Cover type	Annual premium	Pay today	Next 3 months	Extra cost
Third-Party Liability	AED 630	AED 157.50	AED 157.50 each	AED 0
Comprehensive, standard sedan	AED 1,350	AED 337.50	AED 337.50 each	AED 0
Comprehensive with add-ons	AED 3,000	AED 750	AED 750 each	AED 0
EV or luxury car	AED 5,000	AED 1,250	AED 1,250 each	AED 0

*These are not actual premiums. Your actual price depends on your car, your driver profile, and the add-ons you pick.

Does Paying in Instalments Cost More Than Paying in Full?

No. The four-month plan carries zero interest and zero processing fees. AED 3,000 split over four months costs you AED 3,000. AED 3,000 paid today costs you AED 3,000.

There is one condition: pay on time. If you miss a payment, Tabby may apply a collection fee. That is a penalty, not interest. You can avoid it entirely by paying on schedule. Switch on auto-pay in the Tabby app, and you will not have to think about it again.

Why Does Your Policy Run 13 Months When Your Payments Finish in 4?

Because UAE car insurance policies are issued for 13 months, not 12. The extra month covers the one-month grace period the RTA gives you to renew your vehicle registration (Mulkiya) after it expires.

So your payment schedule and your cover period are two different things:

What	How Long
Your Tabby payments	4 months
Your insurance cover	13 months
Months you stay covered with nothing left to pay	9 months

Who Can Use Tabby for Car Insurance in the UAE?

You qualify if you:

1. Are at least 18 years old
2. Live in the UAE
3. Hold a valid Emirates ID
4. Link a valid debit or credit card
5. Pass Tabby’s own approval check

Approval happens in seconds inside the checkout. Nationality is not a restriction.

Is There a Minimum Premium?

No. Policybazaar.ae applies no minimum premium for installments. An AED 630 third-party policy qualifies just as an AED 5,000 comprehensive one does. That is a real difference — several UAE insurers require a premium above AED 1,000 before they will offer any instalment option at all. But on Policybazaar.ae, the feature is available for all!

Which Car Insurance Plans Can You Pay for with Tabby?

All of them on Policybazaar.ae:

1. Comprehensive car insurance - Covers your own car plus third-party liability
2. Third-Party Liability (TPL) - The legal minimum in the UAE
3. Takaful motor plans - Sharia-compliant cover from insurers such as Watania Takaful, Salama and Abu Dhabi National Takaful
4. Add-ons - Agency repair, roadside assistance, Oman extension, natural calamity cover and personal accident cover
5. Renewals as well as new policies

Add-ons form part of your premium total, so they split across the same four payments.

How Do You Get Started with Car Insurance Using Tabby?

1. Go to the car insurance page on Policybazaar.ae and enter your car details.
2. Compare quotes from 35+ Central Bank-approved insurers on a single page.
3. Pick your plan, then choose the Tabby instalment option at checkout.
4. Pay the first installment and get your policy the same minute.

Need help choosing? Policybazaar.ae advisors will walk you through it on 800 800 001 at no extra cost.

Frequently Asked Questions