Over 50s Car Insurance in UAE

Why Over 50s Pay Less for Car Insurance in UAE?

Drivers over 50 are statistically less likely to get into accidents and probably —

Have a clean driving record
Drive fewer miles (especially if retired)
Own a standard or low-risk vehicle
Have built up a no-claims discount

As a result, many insurers reward you with lower premiums, making this the perfect time to find cheap motor insurance for over 50's.

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.

Top 5 Cheap Car Insurance for Over 50s in UAE -

For drivers aged 50 and above, several insurers in the UAE offer tailored car insurance plans with enhanced benefits, reasonable premiums, and safety-focused add-ons.

Here are some of the best over 50 car insurance plans available from top insurers —

1. Salama Insurance – Comprehensive (Garage)

Salama offers comprehensive car insurance that covers damage to your vehicle, third-party liability, and personal accident protection for the driver or owner. Whether you're in a minor fender bender or a serious accident, your car and others involved are covered, giving you peace of mind on the road.

Details	Inclusions
Excess Amount	AED 700
Add-ons Included	Driver Cover, Passenger Cover, Roadside Assistance
Optional Add-ons	Replacement Vehicle (10 days) – AED 130
Third Party Damage Limit	Up to AED 3.5 Million
Coverage Regions	UAE (third-party), UAE & Oman (own damage)
Blood Money	Unlimited (as per UAE Court)
Ambulance Service	Up to AED 6,770
Windscreen Damage	Up to AED 2,500
New Car Replacement	Up to 6 months (brand new vehicles)
Child Seat Replacement	Up to AED 1,000 (select nationalities)
Car Registration Service	Once a year
Excluded Items	Riots/Strikes, ILOE Insurance, Agency Repair, Int'l Licence Discount

2. GIG Gulf – Comprehensive (Garage)

With 70+ years in the industry and strong local presence, GIG Gulf provides personalised over 50 car insurance plans across the UAE. You can choose between comprehensive or third-party plans, with optional benefits like GCC coverage, valet theft, and 24/7 multilingual support. GIG also makes claims easy with online processing and around-the-clock assistance, no matter where you are in the UAE.

Details	Inclusions
Excess Amount	AED 250
Add-ons Included	Driver & Passenger Cover, Roadside, Hire Car, Oman Cover, Natural Perils
Third Party Damage Limit	Up to AED 3.5 Million
Coverage Regions	UAE & Oman
Blood Money	Unlimited (as per UAE Court)
Ambulance & Medical	Included (AED 3,500)
Personal Injury	Up to AED 20,000
Loss of Belongings	Up to AED 4,000
No Claim Discount Protection	Included
New Car Replacement	Up to 6 months from registration
Windscreen Damage	Up to AED 5,000 (waiver)
Extra Services	Airport/workshop pick & drop, maintenance, valet cover
Optional Add-ons	Natural Calamity Cover – AED 149.51
Coverage Note	UAE & GCC available (optional)

3. Adamjee Insurance – Comprehensive (Garage)

Adamjee offers both comprehensive and third-party car insurance tailored to your needs and budget. Their comprehensive plan protects your car and passengers, while third-party insurance ensures you're covered if you’re liable in an accident. With a quick claims service and added benefits like roadside assistance, it is a smart choice for everyday drivers.

Details	Inclusions
Excess Amount	AED 250
Add-ons Included	Driver & Passenger Cover, Roadside, Natural Calamity
Optional Add-on	Replacement Vehicle (7 Days) – AED 75
Third Party Damage Limit	Up to AED 2 Million
Coverage Regions	UAE only
Blood Money	Unlimited (as per UAE Court)
Windscreen Waiver	Included
Fire & Theft	Included
Car Registration	Included
International Licence Discount	Included
Excluded Items	Personal Belongings, Ambulance, New Car Replacement

4. DIC – Comprehensive (Gold Garage)

Dubai Insurance is one of the UAE’s most established insurers, with consistent growth since 2006 and strong financial ratings from AM Best and Fitch. Their motor insurance offers robust protection backed by top international reinsurers, ensuring customers get reliable and comprehensive coverage. Beyond cars, DIC also supports the community and works with government bodies to ensure safety for all residents and visitors.

Details	Inclusions
Excess Amount	AED 350
Optional Add-ons	Passenger Cover (AED 30), Roadside (AED 35), Driver Cover (AED 120), Replacement Vehicle (AED 140)
Third Party Damage Limit	Up to AED 2 Million
Coverage Regions	UAE only
Blood Money	Unlimited (as per UAE Court)
Emergency Expenses	AED 2,500 + Ambulance (Excluded)
Valet Theft & Lock Replacement	Included
Off Road Cover	Up to 500m from main road (Excess AED 1,500)
Bonus Services	Home maintenance, baby seat, battery replacement, courier
Excluded Items	Agency Repair, Taxi Fare, Auto Gap, ILOE

5. Orient Takaful – Comprehensive (Garage)

Orient Takaful is one of the fastest-growing takaful providers in the UAE, offering both comprehensive and third-party car insurance. Comprehensive plans cover your vehicle fully, while third-party insurance is required by law and protects against bodily injury and property damage to others. With high limits and quality service, they ensure you're protected on the road, all within a Shariah-compliant framework.

Details	Inclusions
Excess Amount	AED 350
Add-ons Included	Roadside Assistance, Natural Calamities
Optional Add-ons	Driver Cover, Passenger Cover (AED 120 each), Replacement Vehicle (AED 222)
Third Party Damage Limit	Up to AED 3.5 Million
Coverage Regions	UAE only
Blood Money	Unlimited (as per UAE Court)
Ambulance & Medical	Up to AED 6,770 + AED 5,000
Personal Injury & Belongings	AED 20,000 + AED 5,000
Taxi Fares & Valet Theft	Up to AED 350 + Included
Off Road Cover	For 4WD only

**Disclaimer: The above plans are based on the 2023 Toyota Yaris model and are for reference purposes only.**

Types of Car Insurance for Over 50s in the UAE

You can choose from the same types of car insurance in UAE as any other age group —

Insurance Type	What It Covers	Best For
Third-Party	Damages to other vehicles or people	Budget-focused drivers with older cars
Comprehensive	Your car + third-party cover + fire/theft	Drivers with new or valuable cars
Add-Ons	Engine cover, off-road, roadside assistance, etc.	Anyone looking for extra peace of mind

What Affects Your Premium After 50?

Factor	Impact
Age	50–70 = lower premiums, 70+ may increase
Driving Record	Clean = cheaper premiums
Vehicle Type	Standard models = lower rates
Mileage	Less driving = reduced risk
Location	Premiums may be higher in Dubai than in smaller emirates
Security Features	Theft deterrents = lower premiums

Tips to Get Cheap Car Insurance for Over 50s

Here’s how to make your premium even more affordable —

Compare Quotes Widely: Don’t settle for the first quote. Use UAE insurance comparison platforms like Policybazaar.ae to explore your options
Avoid Auto-Renewals: Renewing blindly may cost you more. Always review your premium and negotiate or switch if you can get a better deal
Limit Your Mileage: If you drive less (e.g., no daily work commute), let your insurer know, you may qualify for a lower rate
Increase Your Voluntary Excess: Agreeing to pay a higher amount in case of claims can bring down your annual premium. Just make sure it’s still affordable.
Secure Your Vehicle: Park in a garage, install a steering lock or alarm system, insurers reward you for reducing theft risks
Add a Named Driver: Adding a lower-risk family member to your policy may help reduce your overall premium
Avoid Unnecessary Add-Ons: Only select the extras you truly need. For example, if your car is older, skip high-value repair or replacement cover
Pay Annually If You Can: Paying the full premium upfront saves you from monthly interest charges

Car Insurance for Over 50 Female Drivers in the UAE

Many UAE insurers offer car insurance for over 50 female drivers at competitive rates. Female drivers often —

Have fewer accident claims
Drive more cautiously
Choose safer cars

This can translate to better deals and discounts—just make sure to ask your insurer directly.

Documents Needed for Over 50s Car Insurance in the UAE

Before applying, keep these ready —

Emirates ID
UAE driving licence
Mulkiya (Vehicle Registration Card)
Old policy details
Engine Number
Chassis Number

Final Thoughts

No matter you're 50, 60, or beyond, your driving experience is a major asset. With careful comparison and the right choices, car insurance for over 50s in the UAE doesn’t have to be expensive. From choosing a basic third-party plan to securing cheap car insurance for over 50 female drivers, there are plenty of ways to save without compromising on protection.

Frequently Asked Questions

Car insurance for over 50s is calculated based on factors like your age, driving history, vehicle type, and location. They often pay less due to more experience and no-claims history, which signals lower risk.

Extras like Driver and Passenger Cover, Roadside Assistance, Natural Calamity Cover, and Replacement Vehicle can offer added peace of mind and support, especially if you're driving more often or long distances.

First, check if everyone is safe and call emergency services if needed. Then, report the accident to your insurer as soon as possible to begin the claims process.

Yes, you can still get insured. You may need a medical certificate confirming you're fit to drive, depending on the condition and insurer requirements.

Yes, many insurers offer special discounts for drivers over 50 with a clean driving record. Always ask about accident-free, fleet, or returning customer discounts when requesting a quote.