GIG Gulf vs Orient – Which Motor Insurance Is Better in the UAE?

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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 30 April 2026Editorial Standards

With so many insurers in the UAE, choosing the right motor insurance can feel confusing. While each insurer offers different coverage, benefits, and add-ons, the best option is usually the one that matches your car and driving needs. GiG Gulf vs Orient car insurance in UAE is a common comparison because both are popular choices, but their plan features can differ. The key is to understand what changes between them in terms of repairs, key inclusions, and optional covers. Let’s start by looking at what each insurer includes in its motor plans.

Plans Available: GIG Gulf vs Orient Motor Insurance in the UAE

Both insurers offer Comprehensive and Third Party cover. However, the plan structure and bundled benefits can differ.

GIG Gulf motor insurance in UAE offers three options: Prestige (Comprehensive), Perfect (Comprehensive), and GIG Third Party.
Orient car insurance in UAE includes comprehensive cover. It also comes with a bundled upgrade called Motor Plus. This adds benefits like dealer repairs (first 3 years), roadside assistance, off-road cover for 4WDs, Oman extension, and windscreen with no excess.
For Orient Third Party, the benefits include bodily injury: unlimited and property damage: AED 2,000,000 per occurrence.

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, 2022 model.

GIG Gulf Motor Insurance Plans vs Orient Insurance - What are the Inclusions?

GIG Gulf Motor Insurance

The following table highlights the key benefits of GIG Gulf motor insurance plans in the UAE —

Benefit / Feature	Prestige (Comprehensive)	Perfect (Comprehensive)	GIG Third Party
Third-party liability (bodily injury/death)	Included	Included	Included
Third-party property damage limit	Higher limit vs other plans (plan-based)	Standard limit (plan-based)	Lower limit (plan-based)
Damage to your own car	Included	Included	Not included
Fire & theft	Included	Included	Not included
Natural perils (storm/flood and more)	Included	Included	Not included
Riot/strike/civil commotion	Included	Included	Not included
Emergency medical expenses	Included	Included	Included (plan-based)
Personal belongings cover	Up to AED 4,000	Up to AED 4,000	Not included
Agency repair option	Available (plan-based period)	Available (plan-based period)	Not applicable
Windscreen cover	Included (plan-based — may be without excess)	Included (plan-based — may be without excess)	Not applicable
Hire car / replacement car	Available (plan-based)	Available (plan-based)	Not included
Roadside assistance / recovery	Included/available (plan-based)	Included/available (plan-based)	Accident & breakdown recovery available
Off-road cover	Included	Included	Not included
Oman cover	Available/optional	Available/optional	Not included

Orient Motor Insurance Plans

The following table highlights the key benefits of Orient motor insurance plans in the UAE —

Benefit / Feature	Orient Comprehensive	Orient Third Party	Orient ‘Motor Plus’ (upgrade/add-on style cover)
Third-party liability (bodily injury/death)	Included	Included	Included
Third-party property damage limit	Included (policy-based)	Up to AED 2,000,000	Included (policy-based)
Damage to your own car	Included	Not included	Included
Fire & theft	Included (policy-based)	Not included	Included
Dealer/agency repairs	Depends on selected repair type	Not applicable	Highlighted for the first 3 years
Windscreen cover	Depends on policy	Not applicable	Windscreen without excess
Roadside assistance	Depends on policy	Not mentioned as standard	Included
Personal effects / belongings	Depends on policy	Not included	Included (up to AED 1,000)
Oman extension	Optional (if selected)	Not included	Included
Off-road cover	Optional (if selected)	Not included	Included for 4WDs
Life / personal accident style benefit	Policy-based	Policy-based	Free life cover for insured (as per plan benefit)

Agency Repairs vs Non-Agency Repairs: Which One Should You Choose?

The repair option is one of the biggest deal-breakers when comparing GiG Gulf vs Orient car insurance in UAE. It decides where your car gets fixed and how close the repair quality is to manufacturer standards.

What Does ‘Agency Repairs’ Usually Mean?

Repairs are done at the car brand’s authorised dealership or approved dealer network
This is usually preferred for newer cars, cars under warranty, and higher-value vehicles
It can cost more than non-agency repair options

What Does ‘Non-Agency Repairs’ Typically Mean?

Repairs are done at insurer-approved garages (not necessarily the dealership)
This can be more budget-friendly
It suits older cars, where dealership repairs are not a priority

How Does this Show in GIG Gulf and Orient Plans?

Orient car insurance in UAE highlights dealer repairs as a key benefit under its “Motor Plus” benefits (especially for the first 3 years). This makes it easier for buyers who want agency-style repairs.
GiG Gulf motor insurance in UAE offers comprehensive tiers. Here, the repair benefits depend on the plan and the repair option chosen at the time of buying.

GIG Gulf vs Orient: Add-ons & Convenience Benefits (Comparison)

Here’s how GIG Gulf vs Orient car insurance in UAE differs when it comes to day-to-day add-ons and convenience features —

Add-on / Benefit	GIG Gulf Motor Insurance in UAE	Orient Car Insurance in UAE
Windscreen cover	Available in comprehensive tiers and windscreen-only claims can be handled without excess (plan-based)	Motor Plus highlights windscreen cover without excess
Roadside assistance / recovery	Available as part of selected plans (some tiers include accident & breakdown recovery)	Motor Plus highlights roadside assistance as an included benefit
Personal belongings / effects	Higher personal belongings cover is available in comprehensive tiers (plan-based)	Motor Plus includes personal effects cover (lower limit compared to GIG’s higher-tier cover)
Oman extension	Available based on plan selection (can be optional)	Motor Plus highlights Oman extension as included
Off-road cover (4WD)	Available in comprehensive tiers (plan-based)	Motor Plus highlights off-road cover for 4WDs
Hire car / replacement car	Available as a benefit/add-on in certain GIG plans (plan-based)	Depends on the chosen Orient plan
Claims convenience	Some higher tiers include claims support features like pickup & delivery and dedicated handling (plan-based)	Motor Plus is positioned as a bundled convenience upgrade (benefits grouped together)

Claims Process and Customer Support: GIG Gulf vs Orient

A motor policy is only as useful as the support you get when something goes wrong.

Feature	GIG Gulf Motor Insurance in UAE	Orient Car Insurance in UAE
Customer support	24/7 customer support	Customer care lines and support channels are provided
Claim filing options	Online claim tool + MyGIG motor portal (web)	Online claim submission + direct motor claims numbers
Claim tracking	MyGIG portal allows claim tracking — claim reference shared via SMS after claim submission	Online claim tracking available
SMS / real-time updates	SMS claim reference number + workshop contact shared after claim submission	NA
Roadside / towing support	Roadside assistance is included	Towing/roadside support is routed via International Motoring Club
Repair/garage handling	Workshop is shared as per policy coverage after claim submission	Customer hands over the car to agency/garage after claim registration (as per claims steps)
Customer contact channels	Phone + email + web contact form	Phone + email + claim portal

GIG Gulf vs Orient Motor Insurance — Which One Should You Choose?

There isn’t one single winner in the discussion around GIG Gulf vs Orient. The better choice depends on what you value most from your motor insurance in the UAE.

Choose Orient Car Insurance in UAE if

Dealer/agency repairs (especially in the first few years of the car) is a top priority
You prefer a plan where popular convenience benefits are bundled together (roadside help, windscreen without excess, Oman extension, off-road cover for 4WDs)

Choose GIG Gulf Motor Insurance in UAE if

You want tiered comprehensive options so you can match benefits to budget
You prefer a more structured, portal-led experience for policy/claim handling(especially for tracking and customer handling)

Simple Way to Decide

If repairs + bundled convenience benefits matter most → Orient can be a better fit
If plan tiers + process clarity + add-on flexibility matter most → GIG Gulf can be a better fit

Disclaimer: The comparison above is for informational purposes only. It does not constitute a recommendation or endorsement for any specific insurance company.

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FAQs: GIG Gulf vs Orient Motor Insurance in the UAE

Comprehensive is usually better if you want coverage for your own car repairs along with third-party liability. Third party is mainly for damage or injury caused to others.

No. Third-party cover is mainly for other people’s damage/injury, not your own vehicle repairs.

For newer cars, compare agency/dealer repair availability and how long it applies. If the dealer repair is important for warranty or resale value, that feature should drive the decision.

Roadside help can be included depending on the plan. Check if it is included by default or only available in an upgraded plan.

Windscreen cover is available in many comprehensive plans. However, the key is whether windscreen-only claims are handled without excess under your selected plan.

Only if your policy includes Oman extension (or it is added). Always confirm cross-border cover before travel.

Repair type usually depends on the plan you select. Always confirm whether the policy is agency repair or non-agency repair before purchase.

Generally, you need documents like the accident report (as required), Emirates ID, driving licence, and vehicle registration card. The insurer may ask for photos and other supporting documents.

Start with three checks — repair type, must-have add-ons (roadside, windscreen, Oman/off-road), and benefit limits. Then, choose the plan that matches how you actually drive.