Car Insurance for Seniors Over 60

But here’s the good news: being over 60 doesn’t mean you have to pay more.  In fact, your golden years can come with golden opportunities to save smart on coverage, if you know where to look.

We break down everything you need to know about car insurance for seniors over 60—from how premiums are calculated to ways you can cut costs without compromising on coverage.

Top 8 Cheapest Car Insurance for 60 Years Old in UAE

We have mentioned the top car insurance companies offering comprehensive car insurance for seniors over 60 in the UAE (2025) —

1. Salama Comprehensive Insurance

This car insurance plan for 60 years offers budget-friendly comprehensive coverage with essential benefits like roadside assistance, new car replacement (for 6 months), and limited agency repair options. This plan is ideal for newer cars purchased from authorised dealers.

Parameter	Details
Excess Amount	AED 350
Plan Type	Comprehensive
Third Party Damage Limit	Up to AED 3.5 Million
Third Party Liability	UAE Only
Own Damage Cover	UAE & Oman
Agency Repair	For brand new cars from authorised dealers only (2nd year needs approval + no claim certificate)
New Car Replacement	Up to 6 Months (Brand New Only)
Fire & Theft Cover	Included
Windscreen Damage	Up to AED 2,500
Ambulance Services	Up to AED 6,770
Valet Parking Cover	Due to Accident
Child Car Seat Replacement	Up to AED 1,000 (For specific nationalities)
Car Registration Service	Once a Year
Blood Money	Unlimited (as per UAE court)

Addons Included:

• PA Cover for Driver – AED 200,000
• PA Cover for Passenger – AED 200,000
• Roadside Assistance
• Replacement Vehicle – 10 Days (AED 130)

Roadside Assistance Covers:

• Mechanical Assistance
• Battery Service
• Lockout Service
• Flat Tyre
• Towing
• Fuel Delivery

Exclusions:

• Riots or strikes
• Involuntary loss of employment insurance 
• Natural calamities
• Off-Road recovery

2. GIG Gulf – Comprehensive (Agency Repair)

GIG Gulf Comprehensive car insurance is a premium plan with broad coverage including natural calamities, off-road use, valet parking theft, and unlimited off-road recovery. This over 60 car insurance plan is best suited for those seeking extensive protection and value-added services.

Parameter	Details
Excess Amount	AED 250
Plan Type	Comprehensive
Third Party Damage Limit	Up to AED 3.5 Million
Third Party Liability	UAE & Oman
Own Damage Cover	UAE & Oman
New Car Replacement	Up to 6 Months from 1st Registration
Windscreen Damage	Up to AED 5,000
Loss of Personal Belongings	Up to AED 4,000
Emergency Medical Expenses	Up to AED 3,500
Personal Injury	Up to AED 20,000
Blood Money	Unlimited (as per UAE court)
Automobile Pick & Drop (Maintenance)	Once a Year

Inclusions:

• Fire & theft cover
• Lock replacement
• Ambulance service
• Valet parking theft cover
• No claim discount protection
• Guarantee of garage repair
• Agency repair
• Riots / Strikes / MD
• Natural calamities
• Off-road cover

Addons Included:

• PA Cover for Driver – AED 200,000
• PA Cover for Passenger – AED 200,000
• Roadside Assistance – Breakdown Recovery
• Oman Cover
• Replacement Vehicle – AED 110
• Optional Addon: Natural Calamity Cover – AED 43.83

3. DNI Insurance – Comprehensive (Premium Garage)

DNI offers a budget-friendly comprehensive plan with premium garage access and flexible add-ons. It includes Oman cover for its own damage and key emergency benefits. However, it does not offer new car replacement and agency repair.

Feature	Details
Excess Amount (AED)	200
Base Premium	AED 1,785 / Year
Included Addons	Oman Cover (Own Damage only)
Third Party Damage Limit	AED 3M (Car value ≤ AED 500k), AED 3.5M (Above AED 500k)
Third Party Liability	UAE Only
Damage to Insured Vehicle	UAE & Oman (OD only in Oman)
Excess in Oman (OD)	AED 1,500
Blood Money	Unlimited (UAE Court)
Windscreen Damage	Up to AED 3,500
Emergency Medical Expenses	Up to AED 5,000
Ambulance Service	Up to AED 6,770
Loss of Personal Belongings	Up to AED 5,000
No Claim Discount	Up to 10% on renewal
Off Road Cover	Included for 4WD
Car Registration Service	Included
Roadside Assistance (Gold)	Optional (AED 25) – includes towing, battery, lockout, flat tyre, fuel

Optional Addons:

• Roadside assistance (AED 25)
• Driver cover (AED 60)
• Passenger cover (AED 60)
• Replacement vehicle - 7 days (AED 150)

Exclusions:

• New car replacement
• Involuntary loss of employment
• Lock replacement
• Valet theft
• Agency repair

4. Methaq Takaful – Third Party Only

Methaq provides a basic third-party liability plan with optional personal accident covers. This car insurance for seniors over 60 is ideal for those seeking minimal legal coverage at a low annual premium.

Feature	Details
Plan Type	Third Party Only
Base Premium	AED 653 / Year
Third Party Damage Limit	Up to AED 2 Million
Third Party Liability	UAE Only
Included Addons	Roadside Assistance
Optional Addons	PA Cover – Driver (AED 120) PA Cover – Passenger (AED 120)
Damage to Insured Vehicle	Not Applicable
Blood Money	Unlimited (UAE Court)

5. Sukoon – Third Party Liability Insurance

This over 60 years car insurance plan offers a seamless claims experience with 24/7 claim notifications, fast repair approvals, and real-time SMS updates. It also includes an exclusive tie-up with AG Cars and access to 7 convenient locations across the UAE.

Feature	Details
Annual Premium	AED 662
Third Party Damage Limit	Up to AED 2 Million
Third Party Liability	UAE Only
Own Vehicle Damage	Not Applicable
Blood Money	Unlimited (As per UAE Court)
Ambulance Service	Up to AED 6,770

Included Add-ons:

Add-on	Limit
Driver PA Cover	Up to AED 200,000
Passenger PA Cover	Up to AED 200,000
Roadside Assistance	Full Benefits Listed Below

Roadside Assistance Benefits:

• Mechanical assistance
• Battery service
• Lockout service
• Flat tyre service
• Towing (same city)

Exclusive Benefits:

Benefit	Details
AG Cars Tie-up	Repair guarantee (12 months), 24/7 drop-off, 7 UAE locations
RTA VIP Lane Access	Free
Car Service Discounts	Up to AED 2,000 in savings

6. Watania Mumtaz (Premier) – Comprehensive Plan

This comprehensive car insurance in UAE covers vehicles up to AED 31,740, offering broad protection including third-party liability. With optional add-ons like replacement cars and numerous roadside assistance benefits, this is one of the best plans in the UAE.

Feature	Details
Excess	AED 300
Third Party Damage Limit	Up to AED 3 Million
Third Party Liability	UAE Only
Blood Money	Unlimited (As per UAE Court)
Ambulance Service	Up to AED 6,770
Emergency Medical Expenses	Up to AED 5,000
New Car Replacement	Up to 6 Months (Brand New Vehicles)
Off-Road Cover	For 4WD Only (Up to 500m)
Loss of Personal Belongings	Up to AED 5,000
Child Car Seat Replacement	Up to AED 3,000
Taxi Fare Post-Accident	Up to AED 300
Lock Replacement	Up to AED 5,000
Emergency Repairs	Up to AED 1,000

Inclusions:

• Own vehicle damage
• Windscreen excess waiver
• Auto GAP coverage
• Valet theft cover
• Fire & theft cover
• Natural calamity cover

Optional Add-ons:

Add-on	Limit / Price
Driver PA Cover	AED 200,000
Passenger PA Cover	AED 200,000
Roadside Assistance (Gold)	Full benefits below
Replacement Car (7 Days)	AED 125
Orange Card (GCC)	AED 350

Roadside Assistance Benefits:

• Accident breakdown recovery
• Mechanical assistance
• Battery service
• Lockout service
• Flat tyre service
• Fuel delivery
• Towing service
• Car registration assistance

Exclusions:

• Involuntary Loss of Employment Insurance
• Agency Repair
• Airport Pick & Drop

7. Watania Takaful (Garage Plan)

Watania Takaful is a Shariah-compliant insurance provider offering a comprehensive (non-agency) garage-based plan with broad protection and value-added services. It is ideal for car owners seeking essential coverage and benefits.

Parameter	Details
Car Value	AED 31,740 (Min AED 24,840 – Max AED 31,740)
Excess Amount	AED 300
Included Add-ons	Driver Cover, Passenger Cover, Roadside Assistance, Natural Calamity Cover
Optional Add-on	Replacement Vehicle (7 Days) – AED 125
Roadside Assistance Benefits	Accident & Breakdown Recovery, Mechanical Help, Battery Jumpstart, Lockout Assistance, Flat Tyre Fix, Fuel Delivery, Towing, Car Registration
Not Included	Involuntary Loss of Employment Insurance, Agency Repair, Airport Pick & Drop

Exclusions:

• Involuntary loss of employment insurance
• Agency repair
• Airport pick & drop

8. DIC Comprehensive (Gold Garage)

DIC (Dubai Insurance Company) provides a comprehensive Gold Garage policy with flexible optional add-ons and unique extras like home maintenance and onsite services. This cheapest car insurance for over 60 years caters to budget-conscious drivers who prefer customisation of their plan based on individual preferences.

Parameter	Details
Car Value	AED 23,810 (Min AED 19,481 – Max AED 23,810)
Excess Amount	AED 350
Extra Services (Free)	Car Registration (Once/Year), Home Maintenance, Onsite Battery Replacement, Personal Courier, Claims Document Delivery, Child Seat Cover, Window/Sunroof Cover, Claim Transport Cost

Features & Benefits of DIC Comprehensive (Gold Garage)

Feature	Details
Third Party Damage Limit	Up to AED 2 Million
Third Party Liability	UAE Only
Own Damage Cover	Included (UAE Only)
Blood Money	Unlimited (As per UAE Court)
Riots / Strikes / Malicious Damage	Included
Loss of Personal Belongings	Up to AED 1,000
Windscreen Damage	Up to AED 3,000
Emergency Medical Expenses	Up to AED 2,500
Lock Replacement	Up to AED 1,000
Valet Parking Theft Cover	Included
Off-Road Cover	Up to 500 meters (AED 1,500 excess applies)

Optional Add-Ons

• Driver cover (AED 120)
• Passenger cover (AED 30)
• Roadside assistance (AED 35)
• Replacement vehicle (7 days - AED 140)

Exclusions:

• Ambulance
• Taxi fares
• No claim discount protection
• New car replacement
• ILOE
• Agency repair

What are the Documents Required for Car Insurance in UAE?

• Valid Driving License
• Emirates ID,
• Mulkiya
• Previous Insurance Policy
• Engine Number
• Chassis Number

Do Car Insurance Rates Increase After 60?

Yes, they can, but not always.

• In your 20s, premiums typically decrease with age.
• But after 60, insurance rates may rise slightly due to increased risk factors associated with aging.

Why?

• Higher accident risk due to slower reflexes or health conditions.
• Greater severity of injuries sustained in crashes.
• Insurance companies base rates on statistics, not just your personal driving history.

How is Over 60s Car Insurance Calculated?

Insurers use several criteria to determine your premium. Here’s a breakdown —

Factor	Impact
Age	Risk increases slightly after 60
Driving history	No-claims = discounts
Car type	High-performance = higher premium
Location	Some ZIP/postcode areas are riskier
Car storage	Garage-parked cars often cost less
Annual mileage	Lower mileage = lower risk = lower cost

Best Ways to Save on Over 60 Car Insurance

Here’s your senior-savvy checklist to cut costs without cutting coverage —

• ✅ Compare multiple quotes before renewing
• ✅ Increase your voluntary deductible (if you can afford a higher out-of-pocket cost)
• ✅ Drive a car from a lower insurance group
• ✅ Limit unnecessary add-ons
• ✅ Pay annually instead of monthly
• ✅ Install security features like alarms or immobilisers

Optional Add-Ons to Consider for Over 60 Car Insurance

As you age, having a few added protections might give you peace of mind. Popular add-ons include —

• Roadside Assistance
• Oman Cover 
• Passenger Cover
• Driver Cover 
• Natural Calamities
• Replacement of Vehicle

Just make sure you’re not paying for extras you don’t really need.

Conclusion: Drive Smart, Save Smarter

Car insurance for seniors over 60 doesn’t have to be expensive or complicated. With the right mix of savvy shopping, strategic discounts, and honest driving habits, you can enjoy safe travels and smart savings in your golden years.

🚗 Looking for car insurance in Dubai or anywhere in the UAE? Connect with Policybazaar.ae and cruise carefree down Sheikh Zayed Road or enjoy the scenic routes of Abu Dhabi.

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