Car insurance is a contract that protects you from the high costs of a car accident. You pay a yearly premium and in return the insurer pays for the injury or damage your car causes to others. A comprehensive plan also pays to repair your own car after a crash, fire or theft. Car insurance in Dubai, UAE is mandatory as you cannot drive your vehicle without it. On Policybazaar.ae, you can compare car insurance quotes from 35+ Central Bank-approved insurers, buy car insurance online from just AED 630* and get your policy in about 30 seconds. ...read more
Written ByNupur JainSenior Content Writer (Expertise - Motor Insurance)
Nupur Jain
Senior Content Writer (Expertise - Motor Insurance)
Nupur Jain is a Senior Writer at Policybazaar.ae with 4+ years of experience in the insurance industry. She specialises in car insurance and has built strong expertise in the UAE auto insurance industry by closely covering policy features, coverage options, premiums, renewals, claims, insurer offerings and vehicle ownership-related matters. Over the years, she has created 2000+ high-impact articles and covered 1000+ motor insurance topics, helping readers understand complex insurance jargons in a simpler and more practical way. Her work is focused on helping people compare options wisely, understand what truly matters in a policy and make more confident car insurance decisions based on their needs, budget and lifestyle in the UAE.
Reviewed ByToshita Chauhan BalochiChief Business Officer – General Insurance @ Policybazaar.ae
Toshita Chauhan Balochi
Chief Business Officer – General Insurance @ Policybazaar.ae
Toshita Chauhan Balochi has strong experience in the insurance and digital business space. At Policybazaar.ae, she works on making general insurance easier and more customer-friendly for people in the UAE. Her focus is on building simple, useful and transparent insurance journeys across motor, health and travel insurance products. She brings a clear business vision, strong industry understanding and a customer-first approach to the brand.
Here is a quick snapshot of how car insurance works in the UAE before we get into the details.
Key Feature
What You Get
Minimum legal cover
Third-party liability (mandatory to drive and register a car)
Starting premium
From AED 630* per year
Third-party injury cover
Bodily injury / death: court-awarded amount, no upper limit.
Property damage: up to AED 2,000,000 per accident. (AED 200,000 sub-limit applies only if the insured’s spouse, parent or child dies.)
Coverage types
Third-Party, Comprehensive, and Takaful (Sharia-compliant)
Number of insurers
Compare 35+ Central Bank-approved insurers in one place
Policy validity
13 months (12 months + 1 month grace period)
Payment option
Pay in full or in easy monthly instalments at zero interest (via Tabby on Policybazaar.ae)
Claim process
Cashless agency/garage repair or reimbursement
Buy / renew time
Online in about 30 seconds with instant policy issuance
Common add-ons
Agency repair, natural calamity, Oman cover, roadside assistance, rental car
*Premiums are starting prices based on Policybazaar.ae data as of June 2026. Your actual price depends on your car, driver profile and add-ons.
Is Car Insurance in UAE Mandatory and What Is the Fine for Driving Without It?
Yes, car insurance is mandatory in Dubai and across the UAE. As per Federal Decree-Law No. 14 of 2024, every registered vehicle must have at least third-party cover before it can be driven or renewed. Driving without valid motor insurance is treated as a serious offence. Here are the six things every driver should know about the rule and the penalties.
Third-Party Cover Is the Legal Minimum
Every car needs at least third-party insurance to pay for injury or damage you cause to other people and their property.
You Cannot Register or Renew Without It
The RTA links your insurance to your Mulkiya, so an expired policy blocks your vehicle registration renewal completely
AED 500 Fine for Driving Uninsured
If you are caught driving without valid motor insurance in Dubai, you pay a flat fine of AED 500 under UAE traffic law
4 Black Points on Your Licence
Along with the fine, the offence adds 4 black points to your driving record.
Your Car Gets Impounded for 7 Days
Authorities can seize and hold your vehicle for seven days, leaving you without your car and facing release procedures.
You Pay All Accident Costs Yourself
Without cover, every dirham of repair, medical, and third-party bills comes straight out of your own pocket after a crash
Top Car Insurance Dubai Plans - 2026
Some of the best and the cheapest car insurance quotes in Dubai are:
Comprehensive
Third Party
Sukoon Insurance (Previously Oman Insurance)
Plan Name
Sukoon Comprehensive (Gold Garage)
Starting from
AED 1,995/year
Blood money
Third Party Damage Limit
Third Party Liability
Orient Insurance
Plan Name
Orient Insurance Comprehensive (Silver Garage)
Starting from
AED 1,727.25/year
Third Party Damage Limit
Third Party Liability
Damage to Insured vehicle
Watania Takaful (Previously Noor Takaful)
Plan Name
Watania Takaful (Garage)
Starting from
AED 2,231.25/year
Third Party Damage Limit
Third Party Liability
Damage to Insured vehicle
Watania Takaful (Previously Noor Takaful)
Plan Name
Watania - PB Auto Care Advantage (Pitstop)
Starting from
AED 2,310/year
Damage to Insured vehicle
Natural Calamity Cover
Emergency Medical Expenses
Watania Takaful (Previously Noor Takaful)
Plan Name
Watania Mumtaz (Premier)
Starting from
AED 2,364.6/year
Third Party Damage Limit
Third Party Liability
Blood money
*Above mentioned prices are for Honda City EX 1.5L, 2022 model.
*Above mentioned prices are for Honda City EX 1.5L, 2022 model.
Which Type of Car Insurance Should You Choose - Third-Party or Comprehensive?
There are two types of car insurance in UAE. Third-party is the cheapest and the legal minimum as it only pays for damage you cause to others. Comprehensive costs more but also pays to fix your own car. Choose third-party for an older car, comprehensive for a new, financed or daily-use car. Both covers are sold by every major UAE insurer. The right one for you comes down to three things: your car's value, your budget, and how much protection you want.
Third-party is the minimum cover the law requires. It pays for injury, death or property damage you cause to others. However, it does not pay anything towards your own car, even if the crash was your fault
A comprehensive policy covers everything third-party does, plus your own car. It also pays for damage from accidents, fire, and theft. That wider protection is why it costs more.
Third-Party vs Comprehensive - Quick Comparison
Choose Third-Party if…
Choose Comprehensive if…
Your car is old or low in value
Your car is new or expensive
You only want the minimum legal cover
Your car is financed or leased (banks require it)
Repair costs on your car would be low anyway
You drive an EV or use the car every day
You rarely drive or are on a tight budget
You want coverage against theft, fire and floods
Not sure which fits your car? Enter your details and compare both side by side in seconds.
Why Should You Buy Car Insurance Through Policybazaar UAE?
With impeccable customer service and value-added benefits, Policybazaar.ae constantly strives to deliver more than car insurance in Dubai, UAE. It is for this commitment that we have been recognised with several awards. In 2026, Policybazaar.ae was recognised as “Financial Services Tech of the Year” at the GCC Leadership Conclave. The list of accolades also includes Broker of the Year at the GAIP-InsureTek Global Shield Excellence Award, Dubai 2025, and Digital Insurance Pioneers of the Year 2025, at MEA Business Awards.
Compare Car Insurance
PB Advantage
Instant Issuance
Customer satisfaction
Here are the benefits of buying car insurance from us —
Compare & buy online car insurance in Dubai, UAE from over 35+ RTA-approved car insurance companies in just 30 seconds
Enjoy exclusive PB Advantage perks like 12 free car washes, up to 30% safe driver discount*, and so much more.
Avail of the instant policy issuance benefit with zero paperwork
Get cheapest car insurance Dubai & the UAE that more than 2 Million+ customers trust.
Bonus -Take advantage of world-class after-sales service including claim assistance
How to Get Cheap Car Insurance in Dubai, UAE? - 2026
The cheapest car insurance in the UAE starts at AED 630* a year for third-party cover, while comprehensive plans start from around AED 1,350*. The best way to find cheap car insurance in Dubai is to compare quotes, keep a clean driving record so you earn a No Claims Discount and pick only the add-ons you really need. Below is a live comparison of the most affordable car insurance plans across 35+ insurers. Prices are starting points and change based on your car and driver profile.
Insurer
Cover Type
Annual Premium
Notable Feature
Alliance Insurance
Comprehensive
AED 1,365
Lowest comprehensive premium in this comparison
Sukoon Insurance
Third-Party
AED 630
Third-party cover; access to AG Cars premium garage network
RAK Insurance
Third-Party
AED 630
Joint-lowest third-party premium; insurer since 1974
Sukoon Insurance
Comprehensive
AED 1,470
AG Cars garage network + new Motor War Cover add-on (2026)
GIG Gulf Insurance
Comprehensive
AED 1,523
Wide repair network and strong claims reputation
RAK Insurance
Comprehensive
AED 1,523
Agency repair up to 5 years; good for older and imported cars
Watania Takaful
Takaful / Islamic
AED 1,575
Sharia-compliant; Mumtaz & exclusive PB Auto Care variants
Orient Insurance
Comprehensive
AED 1,727
Al-Futtaim Group insurer (since 1982); A-rated, well-established
Salama Insurance
Takaful / Islamic
AED 1,680
UAE's largest Sharia-compliant Takaful provider
*All prices in AED per year, based on a sample vehicle profile. Your quote may be lower or higher. Prices last verified June 2026.
How Much Does Car Insurance Cost in the UAE?
Car insurance in Dubai, UAE usually costs between AED 630 and AED 5,000+ a year. Third-party cover starts around AED 630, while comprehensive cover is generally 1.5% to 3% of your car's value and starts around AED 1,350 for a standard sedan. Your exact price depends on the cover type, your car and your driver profile. Here is a quick, real-world breakdown so you know what to expect before you get a quote.
Driver / Car Profile
Cover Type
Approx. Annual Premium
Young driver (under 25), standard sedan
Comprehensive
Higher end (AED 1,800+)
30+ driver, clean record, standard sedan
Comprehensive
From around AED 1,350
Any driver, older or low-value car
Third-Party
From AED 630
EV or luxury car owner
Comprehensive
AED 3,000 – AED 8,000
What Factors Affect Your Car Insurance Premium in the UAE?
Your car insurance UAE premium is set by your driving history, your age, your car's make/value/age, the type of repair (agency or non-agency), the emirate where the car is registered, and the add-ons you choose.
Driving history
If you have past accidents or traffic violations, your premium can go up by around 10% to 15%.
Driver's age
Younger drivers (under 25) usually pay more, as insurers see them as higher risk.
Car type and age
Luxury and high-value cars cost more to insure because of pricey repairs. Older cars (usually over 5 years) can see a 15% to 20% rise.
Repair type
Plans with agency repair usually cost around 10% to 25% more than non-agency repair plans.
Emirate and traffic density
Busy, high-traffic areas have more accident claims. Thus, vehicle insurance premiums there can be higher.
Add-ons selected
Add-ons like personal accident cover or roadside assistance raise the premium, so pick only what you need
What Does Car Insurance Cover and What Is Not Covered in UAE?
Before you buy, it helps to know exactly what your motor insurance policy will and will not pay for. The list below shows the common inclusions and exclusions. Always read your policy document, as cover can vary slightly between insurers.
What is Covered
Third-Party Damage - repair cost for damage your car causes to someone else's car
Damage to your own insured vehicle (comprehensive)
Emergency medical expenses for you and your passengers after an accident
Fire and theft of your vehicle
Third-party liability: legal and financial costs from third-party injury or death
What is not Covered
Driving under the influence of alcohol or drugs
Vehicle overloading: more passengers or cargo than allowed
Intentional damage or losses caused on purpose
Use of the car in criminal activity or hit-and-run
Reckless driving, such as street racing or speeding
List of Add-ons for Car Insurance in Dubai, UAE
You can always upgrade your car insurance Dubai by adding riders or add-ons for a nominal additional premium. With car insurance add-ons, you get extra protection for your insured vehicle. Some of the most common riders are –
Personal Accident Cover
Personal accident add-on covers the drivers and passengers in your vehicle. If an accident leads to disability or death, it provides a sum of up to AED 200,000 per person. Just keep in mind that if your vehicle is overloaded at the time of accident, your claim won’t be valid.
Natural Calamities Cover
This add-on covers your car from damage due to natural disasters like floods, earthquakes, sandstorms, and more. After the flood in Dubai in April 2024, this rider has become quite popular. However, if there’s a flood and you drive your car around or park it in waterlogged areas on purpose, you will not be covered. Also, trying to start your vehicle in such areas can damage the engine and lead to claim rejection.
Car Rental Cover
With this rider, you can get a rental car as a replacement till your insured vehicle is under repair. This way, you can travel conveniently while your car is undergoing repairs after an accident.
Roadside Assistance
If your vehicle breaks down in the middle of the road, you can ask for roadside assistance from your insurance provider. Your vehicle will be towed to your nearest authorised garage using the benefit. The services, apart from towing service, include tyre replacement, battery jump start, lock replacement, breakdown recovery, and more.
Oman Extension
Oman is a popular destination for road-trips. After all, it’s quite easy to jump to E44 road in Dubai and reach Hatta border in 1.5-2 hours. With Oman Extension add-on, you can plan your journey even better and extend your own policy’s coverage to Oman!
Get Car Insurance Quotes from Top Leading UAE Insurers
Choosing the right motor insurance becomes easier when you compare plans from the UAE’s top motor insurers. These insurers are known for fair pricing, consistent claim support, and a wide range of cover options for every type of driver. By viewing motor insurance quotes from leading companies in one place, you can quickly understand the differences in benefits, add-ons, and premium ranges. This helps you pick a policy that matches both your budget and the level of coverage you want. Explore the top motor insurers and see what each one brings to the table before making your decision.
Can New UAE Residents and Expats Get Car Insurance and Can They Transfer Their NCD?
Yes. Expats and new UAE residents can buy car insurance once they have a valid UAE driving licence, Emirates ID and residence visa. Many insurers also accept a No Claims Discount (NCD) certificate from your home country, which can lower your premium from day one. Most drivers in the UAE are expats. Buying car insurance online is simple once your paperwork is in order. You will usually need the following:
A valid UAE driving licence (or a recognised licence you can convert).
Your original Emirates ID.
A valid residence visa (for expatriates).
Your car's registration (Mulkiya) details when buying or renewing.
If you have vehicle insurance in your home country, do not throw away your records. Some UAE insurers accept a No Claims Discount certificate from your previous insurer abroad. If your certificate shows several claim-free years, you may get a discount on your UAE premium straight away, instead of building your NCD from zero. Ask for the certificate before you leave your home country, as it is harder to arrange later.
What is Takaful Car Insurance, and is it Available in the UAE?
Takaful car insurance is the Sharia-compliant version of car cover. Instead of paying a premium for risk transfer, policyholders contribute to a shared pool and claims are paid from that fund. It is fully RTA-approved, meets the UAE's mandatory insurance rule and is widely available.
If you prefer Islamic finance principles, Takaful is for you. In Takaful, policyholders contribute to a shared pool called the tabarru fund, rather than paying a premium to transfer risk to an insurer. Claims are paid from this collective fund. Any surplus at year-end may be shared back with participants. The Takaful operator manages the fund but does not keep underwriting profit the way a conventional insurer does.
Takaful covers both third-party and comprehensive options, at prices that compete with conventional plans. Main UAE Takaful car insurers include Watania Takaful, Salama Insurance, Methaq Takaful and Abu Dhabi National Takaful. On Policybazaar.ae, Takaful comprehensive car cover starts from around AED 1,575 per year.
What is a No Claims Discount (NCD) and How Much Can You Save?
A No Claims Discount (NCD) is a reward for not making a claim during your policy year. In the UAE, it can cut your insurance car premium by up to 30%. The discount grows with each claim-free year, but it usually resets if you make a claim.
Here is how it generally works:
You complete a policy year without making any claim
At renewal, the insurer gives you a discount for being claim-free
Each extra claim-free year usually increases the discount, up to a maximum (often 30% in the UAE)
If you make a claim, the discount usually resets, unless you have a protected NCD add-on
Example: Say your comprehensive premium is AED 2,000. After several claim-free years, you earn a 30% NCD. That brings your renewal premium down to around AED 1,400. This is a saving of AED 600 in one year, just for driving safely.
Can You Pay for Car Insurance in Monthly Installments in UAE?
Yes. On Policybazaar.ae, you can pay your car insurance premium in easy monthly installments at zero interest, powered by Tabby. There is no minimum premium needed, no hidden charges and your cover starts the moment your first payment goes through.
Here's a simple example:
If your car insurance costs AED 3,000, you don't have to pay it all today. You can break it into 4 smaller monthly payments at zero extra cost — so your car is covered right away and your budget doesn't take a hit all at once.
What you get with zero-interest instalments:
Zero interest, always: What you see is what you pay. No hidden charges for splitting your payment.
Cover starts instantly: The moment your payment goes through, your policy is active. No waiting.
Works for all cover types: Comprehensive or Third-Party — installments work for both.
No minimum premium: Even a lower premium qualifies for installments.
How it works:
Compare and choose your car insurance plan on Policybazaar.ae
Select the installment option at checkout, powered by Tabby
Your total is split into smaller, interest-free four monthly payments
Complete checkout and drive covered from day one
How to Buy Car Insurance in UAE Online in 30 Seconds on Policybazaar.ae?
Buying car insurance on Policybazaar.ae takes about 30 seconds. Enter your car and contact details, compare quotes from 35+ insurers on one page, pick the plan that fits and pay online with instant policy issuance and zero paperwork.
1
Fill in the form: Enter your basic details like name, mobile number and car information in the quote form.
2
See your quotes: You'll be taken to the quotes page, where you can compare all plans at once.
3
Compare and choose: Check cover, premiums, add-ons and insurer features side by side. Pick the motor plan that suits you.
4
Click the premium: Select the premium amount of your chosen plan.
5
Pay and get covered: Follow the on-screen instructions, make the payment and get your policy issued instantly.
Need help choosing? Policybazaar.ae advisors can guide you through the options at no extra cost
How Can You Compare Car Insurance in Dubai, UAE?
You don't have to visit each insurer or fill in form after form to compare car insurance online. On Policybazaar.ae you enter your details once and see quotes from 35+ insurers on the same page. It's free and takes a couple of minutes. Here's how it works —
1
See all the quotes together:
Put in your car and personal details once. You'll get car insurance quotes from 35+ insurers on a single page, with the price and cover type for each.
2
Filter the list:
Sort by cover type (third-party, comprehensive or Takaful), price, insurer, agency repair, or add-ons like Oman cover and roadside assistance. That trims the list down to the plans that suit you.
3
Check the details before you decide:
Price isn't everything. See how much excess you'd pay on a claim, which garages you can use and how the insurer handles claims. Then pick the one that works for your car and your budget.
Choose the Right Motor Insurance in Dubai Based on Your Neighbourhood!
While car insurance is mandatory, no plan fits all. Your motor insurance plan requirements can vary as per the area of Dubai you live and drive in, your car’s type, and many other factors. We understand how confusing it can be to decide which type of insurance suits you best. To help you out, we, at Policybazaar.ae, have identified region-specific needs for car insurance in Dubai.
Downtown Dubai - It is undoubtedly among the busiest and most high-traffic regions, with a degree of accident risk. Thus, experts highly recommend comprehensive car insurance. Including add-ons like roadside assistance and car rental benefits can be useful.
Jumeirah & Palm Jumeirah - These neighbourhoods usually have luxury cars and SUVs. Experts, therefore, recommend that you buy comprehensive motor insurance with maximum coverage. To keep the cars from unwelcome surprises, you should add riders like natural disaster cover for holistic protection.
Deira & Bur Dubai - These are older districts of Dubai with a mix of commercial and residential traffic. The range of cars driven and possessed in the region varies from budget-friendly cars to new or mid-range vehicles. Some drivers, therefore, can go for third-party insurance for affordability. For brand new and mid-range cars, comprehensive insurance is recommended.
Dubai Marina & Jumeirah Lake Towers (JLT) - These are two high-traffic areas with dense populations. Thus, to cover unwelcome surprises, experts recommend buying comprehensive auto insurance. It will cover both third-party liabilities (in case of collision) and damage to the own vehicle (in case of accident, theft, or fire).
Arabian Ranches & Al Barsha - These regions are home to family-focused communities with private villas and expensive cars. Thus, experts recommend that you buy comprehensive car insurance in Dubai to protect your car and family alike. You should also include add-ons like personal accident cover and roadside assistance if you travel a lot.
How Do You Renew Car Insurance in the UAE?
If you bought your policy through Policybazaar.ae, car insurance renewal is smooth and takes only a few minutes. You can also use this as a chance to compare and switch to a plan that gives you more for less. Here's how.
Log in to your account on Policybazaar.ae and go to your dashboard./li>
You'll see a car insurance renewal notice — an exclusive PB UAE feature that reminds you before your policy lapses.
Choose one of two options: continue with the same plan or switch to a new one.
If you switch, you'll be taken to the Quotes page to compare and pick a better plan.
Click "Buy Now" and follow the on-screen steps.
Make the payment and your renewed motor insurance policy is issued instantly.
Note :Always renew your motor insurance on time. An expired policy can block your vehicle registration (Mulkiya) renewal and leave you driving uninsured.
What Documents Do You Need to Buy or Renew Motor Insurance in Dubai, UAE?
The following documents are usually required to buy or renew car insurance in UAE —
Documents to Buy Car Insurance
Documents to Renew Car Insurance
Valid UAE driving licence
Valid UAE driving licence
Emirates ID (for UAE nationals)
Emirates ID
Passport and residence visa (for expats)
Residence visa (for expats)
Bank statements (if requested)
Previous insurance policy number
Confirmation letter for GCC-spec vehicles
No Claims certificate (if applicable)
—
Vehicle engine and chassis number (if required)
Note: Some insurers may ask for extra documents. Check the exact requirement before you apply
How Do You File a Car Insurance Claim in the UAE?
To file a car insurance claim in the UAE, first get an official police or SAAED report. Next, notify your insurer or Policybazaar.ae, submit your documents, get the car inspected and approve the repair. With an eligible car insurance policy bought through Policybazaar.ae, you may also claim a refund of up to AED 1,000 on your first claim excess under PB Advantage.
Claim process in simple steps:
Step 1 - Stay safe and report the accident
Check if anyone is injured. Move the vehicle only if it is safe and allowed. Use warning triangles or hazard lights to alert other drivers.
Step 2 - Get the official accident report
Report the accident through the police, Dubai Police app, Rafid, or SAAED, depending on the emirate. Check that the details in the report are correct before moving ahead.
Step 3 - Inform the insurer or Policybazaar.ae
Share the accident report and basic policy details. If you bought your policy through Policybazaar.ae, you can ask the support team to guide you on the next step
Step 4 - Arrange towing or garage support
If the car cannot be driven, roadside assistance or the insurer's network can guide the vehicle to an approved garage or workshop
Step 5 - Vehicle inspection and repair approval
The insurer may inspect the car through an authorised surveyor and approve repair costs with the garage. Some insurers give repair authorisation within 48 hours for most cases
Step 6 - Pay the excess, if applicable
Comprehensive plans may have an excess or deductible. This is the amount you pay during a claim, depending on your policy schedule and claim type
Top 10 Car Repairing Garages in Dubai with Approximate Repair Costs
Dubai has a diverse range of car garages — from budget-friendly workshops to luxury and EV specialists. Below are the top 10 garages with approximate minor and major repair costs, mechanical labour rates and the type of cars each garage handles best.
Garage
Garage type
Minor panel repair
Major panel repair
Mechanical labour rate
Star Square Deal Motors
Premium body shop
AED 500 - 900
AED 1,500 - 4,000
AED 250 - 450/hr
The Car Lab Auto Repair Center
Luxury specialist
AED 600 - 1,000
AED 2,000 - 5,000
AED 350 - 600/hr
Gargash Auto Multi-Brand Car Service Centre (Al Quoz 4)
Multi-brand premium
AED 500 - 850
AED 1,800 - 4,500
AED 300 - 500/hr
MBR Auto Services L.L.C & Garage
German specialist
AED 600 - 1,100
AED 2,000 - 6,000
AED 350 - 650/hr
Automotive Repair Systems LLC (Al Quoz)
Body repair specialist
AED 450 - 800
AED 1,500 - 3,500
AED 220 - 400/hr
PAL Auto Garage - PAL Platina, DIP 1 (Tesla Approved Bodyshop)
EV / Tesla specialist
AED 700 - 1,500
AED 4,000 - 12,000
AED 450 - 900/hr
Al Nahdha Auto Garage
Budget-friendly
AED 300 - 650
AED 1,000 - 2,800
AED 150 - 300/hr
Quick Service Auto Repairing
Fast turnaround
AED 350 - 700
AED 1,200 - 3,000
AED 180 - 320/hr
Profix Auto Care Garage
General repair
AED 400 - 750
AED 1,500 - 3,200
AED 180 - 350/hr
Bosch Car Service - Auto Hub Performance Garage
Bosch-certified
AED 500 - 900
AED 1,800 - 4,000
AED 300 - 550/hr
Source: Cost ranges in this table have been verified through direct consultations with panel repair workshops across Dubai, cross-referenced with prevailing garage rate cards as of 2026. All garages listed are operational businesses with physical locations in Dubai. Always obtain a written quote before authorising any work. Policybazaar.ae is not affiliated with any of the listed garages.
Get Car Insurance Quotes For Other Emirates of UAE
Vehicle insurance in Dubai is a policy that protects you from financial loss if your car is involved in an accident, theft, or damage. It may also cover injury or damage caused to other people, depending on the type of policy you choose. In the UAE, at least Third-Party Liability insurance is legally required to drive a car.
Does car insurance include roadside assistance in Dubai?
Usually, basic Third-Party Liability insurance does not include roadside assistance in Dubai. It is more commonly available as an add-on with comprehensive car insurance, although some insurers may include it in select plans. Roadside assistance can help with services like towing, battery jump-start, flat tyre change, and emergency fuel delivery.
What is No Claims Discount or No Claims Bonus in car insurance UAE?
No Claims Discount (NCD), also called No Claims Bonus, is a discount that the insurer gives when you complete a policy year without making any claim. It is applied to your renewal premium, which means your next policy may cost less. In many cases, the discount increases with each consecutive claim-free year, such as 10% after 1 year, 15% after 2 years, and often up to 20% or even more, depending on the insurer. NCD can also usually be transferred when you change your insurer or buy another car.
How is my motor insurance premium calculated in the UAE?
Your motor insurance premium in the UAE is calculated based on several factors related to you and your car, such as:
Car value – The current market value of your vehicle affects the premium
Car details – Make, model, age, and variant of the vehicle matter
Driver profile – Age, driving experience, and claims history are considered
Type of cover – Comprehensive insurance costs more than Third-Party Liability
Add-ons – Covers like agency repair, Oman extension, and more can increase the premium
No Claims Discount (NCD) – A higher NCD can reduce your premium
You can also use the Policybazaar.ae car insurance calculator for a quick estimate
Emirates Vehicle Gate (EVG) – Log in and check your vehicle’s insurance details
RTA website or app – Use the vehicle status or renewal section with your vehicle details
Insurer portal – Log in using your policy number or registered account
Policybazaar.ae account – If you got the policy through Policybazaar.ae, you can check your plan details there or contact support
How to find cheap car insurance in Dubai?
The best way to find cheap car insurance in Dubai is to compare quotes from different insurers first. After that, you can further reduce your premium by choosing the right options. Here are some useful ways:
Compare quotes from multiple insurers before buying
Go for non-agency repair if it suits your car and budget
Maintain a clean claims record to benefit from No Claims Discount
Choose Third-Party Liability cover for older or low-value cars if suitable
Is car insurance more expensive in Dubai than in other emirates?
In many cases, car insurance in Dubai can be more expensive than in some other emirates. This may happen because of factors like higher traffic density, accident exposure, and repair costs. However, the final premium still depends on your car, driver profile, coverage type, and insurer. So, while Dubai may be costlier in general, prices can vary from one case to another.
Which companies offer cheap car insurance in Dubai?
The cheapest car insurance company in Dubai can vary depending on your car model, age, driver profile, and the type of cover you choose. Since insurers use dynamic pricing, the lowest-priced option may change from time to time. That is why it is best to compare live quotes from different insurers on one platform before buying.
What is the minimum coverage required for car insurance in Dubai?
The minimum required coverage under car insurance in Dubai is Third-Party Liability (TPL) insurance, as mandated by UAE law. It covers:
Bodily injury or death caused to a third party
Damage to a third party’s property, such as their vehicle
It does not cover damage to your own car.
What is the renewal deadline for motor insurance in UAE?
Car insurance in the UAE must be renewed before the end of a 13-month period (12 months of coverage + 1 month grace period). If you don’t renew your policy before this period ends, it can lead to:
Inability to renew your vehicle registration (Mulkiya)
Fines and black points if you are caught driving without valid insurance
Can I add extra cover to my car insurance in UAE?
Yes, you can add extra cover to your car insurance in the UAE, especially with a comprehensive policy. Some of the most common add-ons are:
Agency Repair Cover – Lets you get your car repaired at the manufacturer’s authorised garage
Roadside Assistance – Helps with towing, battery jump-start, flat tyre change, and fuel delivery
Personal Accident Cover – Provides financial protection for the driver and passengers in case of injury or death
Off-Road Cover – Useful if you drive your car in desert or off-road areas
Oman Cover – Extends your insurance protection when driving in Oman, depending on the policy
Check your original policy document – It is usually sent by the insurer as a PDF
Look at your vehicle Mulkiya (registration card) – Your policy number is often printed there
Log in to your insurer’s website or app – Your policy details are usually available in your account
Call customer support – Your insurer or insurance aggregator can help you retrieve it
If you got your policy through Policybazaar.ae, you can also call 800 800 001 for assistance.
What does ‘own damage’ cover mean in vehicle insurance in Dubai?
Own damage cover is a component of comprehensive car insurance that pays for repairs to your own vehicle, regardless of who caused the accident. It usually covers damage or loss caused by:
Accidental damage
Fire, theft, or vandalism
Natural disasters, depending on the policy wording
This cover applies only to your own insured car.
Can you transfer your motor insurance if you sell your vehicle in Dubai?
To the new owner: No, you usually cannot transfer your motor insurance policy to the new owner of the car. The buyer must purchase a new insurance policy in their own name to register the vehicle.
To your new car: Sometimes, yes. Some insurers may allow you to transfer the remaining policy coverage to another car you buy, provided the insurer approves it and you pay any difference in premium.
If the policy is not transferred to another vehicle, the insurer may cancel it and refund the unused portion, depending on the terms.
Can expatriates buy car insurance in Dubai?
Yes, absolutely. Expats can buy car insurance in Dubai if they have a valid UAE residence visa, Emirates ID, UAE driving licence, and vehicle registration card (Mulkiya). Some residents with licences from approved countries can also exchange their foreign driving licence for a UAE one.
What is the penalty for driving without car insurance in Dubai, UAE?
The penalty for driving without valid car insurance in Dubai is AED 500, 4 black points, and 7 days of vehicle impoundment.
What are the eligibility criteria to buy car insurance in UAE?
To buy car insurance in UAE, you generally need a valid driving licence, vehicle registration details, and valid ID documents. If you are an expat, insurers may also ask for your passport and residence visa copy. Some new residents with licences from approved countries may get the option to exchange their foreign licence for a UAE one before buying a policy.
Can I drive with my UAE policy outside the UAE?
No, a basic UAE car insurance policy does not automatically cover driving outside the UAE. If you want to drive in Oman or other GCC countries, you usually need an add-on such as Oman Extension or GCC cover. In many cases, it mainly covers damage to your own car. You’ll still need to arrange third-party cover separately.
What happens if my car is damaged in a flood in the UAE?
Flood damage to your car in the UAE is usually covered only if you have a comprehensive policy with the right cover for natural disasters. Third-party insurance does not cover damage to your own car. If your vehicle is submerged, don’t start it. Report the incident, get it towed, and file a claim with your insurer.
How do I make a car insurance claim in the UAE?
To make a car insurance claim in the UAE, first get a police report. Next, inform your insurer, submit the required documents, and follow the repair or settlement process shared by the insurer. In most cases, the insurer will inspect the vehicle and approve repair at a network or authorised garage.
What is agency repair in car insurance UAE?
Agency repair means your car is repaired at the official dealer or a manufacturer-authorised workshop. It usually offers genuine parts and specialised repair quality, but it costs more than non-agency repair cover.
What is the grace period for car insurance renewal in UAE?
The grace period for car insurance renewal in the UAE is 30 days. This is why UAE motor insurance is commonly valid for 13 months — 12 months of policy cover plus 1 month of grace period.
Reviews & Ratings
Compare and buy car insurance online in Dubai, UAE, from 35+ RTA-approved insurers in just 30 seconds. Get car insurance quotes starting from AED 630.*
★★★★★4.7 / 5
(based on 40,413 reviews)
Veli kaplanAbu Dhabi, 27 May 2026
★★★★★
Quite Affordable Car Insurance in the UAEPolicybazaar.ae was the place where I found the cheapest car insurance in UAE, but without any compromise on what I wanted in coverage. Got a solid comprehensive plan and the difference this time was I thoroughly informed by the team, so chose only the necessary add-ons and saved on costs.
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★★★★★
Hands Down the Best Place for Motor Insurance in the UAEI'd heard of PB.ae from a colleague and decided to try out for car insurance this time. Turns out, this was the best decision with how easy the whole journey was. Never did I ever expect to find the best policies with this much clarity, and that too with detailed explanations. Best site, delivered a 10/10 experience.
Laura Anne HaigDubai, 11 May 2026
★★★★★
Sound Advice on Car InsuranceCredits to Policybazaar.ae for getting me the best car insurance in UAE. The website was great as I could see the top plans, prices and whatnot, but the team was outstanding too. They took time and understood my requirements without rush. This zero pressure thing worked with me, like I actually made an informed choice!
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★★★★★
Helpful Experts and Clear Car Insurance OptionsPB people made it easier for me to understand car insurance plans in Dubai. The experts explained the important points in simple language and helped me compare the available options. I could check the premium, coverage and benefits before deciding. The experience was good and I did not feel pushed into buying something I did not need. So YESSSSSS!!!
YasirDubai, 28 April 2026
★★★★★
Expert Advice Made Car Insurance EasierI was not sure which car insurance in the UAE would be right for me. The expert advice from Policybazaar.ae really helped. Instead of just looking at the premium, I understood what coverage I should check, what add-ons may be useful and what things I should avoid. It made me feel more confident before buying the insrance.
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★★★★★
Good Platform for Comprehensive Insurance in DubaiI wanted comprehensive car insurance in Dubai and was not sure which plan would offer the right coverage. Policybazaar.ae showed multiple options from different insurers, which helped me compare prices and benefits easily. I liked that I could see important details like coverage, add-ons and claim support before making a decision. It felt more transparent than choosing a plan blindly.
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