Privilege Car Insurance in UAE: An Overview

This type of insurance often includes benefits such as agency repairs, roadside assistance, off-road coverage, personal accident protection, and fast claims processing. It is designed for individuals who want comprehensive protection, peace of mind, and high-quality service. 

Whether you drive a luxury vehicle or simply prefer enhanced coverage, Privilege Car Insurance in the UAE ensures your car and passengers are fully protected. It’s ideal for those who value convenience, reliability, and superior customer support.

Understanding What Privilege Motor Insurance Is

Privilege car insurance is a special type of policy made for expensive cars that need more coverage than standard insurance offers. This type of insurance is common in the UAE, especially in Dubai, due to the high number of luxury and high-performance vehicles on the road. Owning a luxury car is a big investment, and it requires strong protection. 

Basic insurance provides only a minimum coverage and might not be enough for your vehicle’s needs. Privilege motor insurance offers tailored coverage that includes everything needed for such expensive cars — from special repairs to higher coverage limits. Since not all insurers provide this type of policy, it’s important to choose a company that understands the unique needs of luxury vehicles and offers the right protection to match their value.

Reasons to Opt for Privilege Car Insurance 

Privilege cars come with powerful engines, advanced features, and a higher price tag, which makes insuring them different from regular vehicles. These cars often need more comprehensive or custom-tailored insurance coverage. 

We have mentioned the key reasons —

• Higher Market Value – Privilege cars are expensive, so insurance must cover their full value in case of theft, damage, or total loss. Standard policies may not be enough.
• Costly Repairs – Repairs for these vehicles can be expensive due to specialised parts and skilled labour. Insurance should cover these high repair costs.
• Greater Liability Risk – These cars are often driven faster, increasing accident risk. That’s why enhanced liability coverage is important for protecting yourself and others.
• Expensive Spare Parts – Parts in performance cars are high-end and costly. This adds to repair costs, which raises insurance premiums. Basic insurance often isn’t enough for such vehicles.

Best Privilege Car Insurance Plans in UAE

Here’s the list of the best privilege car insurance policies in the UAE. 

1. Watania Al Masa (Agency)

Benefits	Exclusions	Add-ons
Third-party damage limit  Blood money Third-party liability MD/strikes/riots Windscreen excess waiver Ambulance service  New car replacement in case of total loss - Auto Gap Valet parking cover Fire and theft cover Emergency repair expense Loss of personal belongings Emergency medical expenses Taxi fares Lock replacement Off-road cover Child car seat replacement Car hire cash benefit read more	Involuntary loss of employment insurance Airport pick and drop service	Personal accident cover for the driver and passengers Natural calamity cover Vehicle replacement  Roadside assistance — Accident and breakdown recovery Battery service Flat tyre service Towing service Mechanical assistance Lockout service Fuel delivery service  Car registration service

 

 

2. Sukoon Comprehensive (Privilege Club Garage)

Benefits	Exclusions	Add-ons
Third-party damage limit Damage to the insured vehicle Third-party liability Ambulance service Loss of personal belongings Lock replacement  Strike/riots/MD Emergency medical expenses Windscreen damage Valet parking theft cover Off-road cover	Agency repair	Personal accident cover for the driver and passengers Natural calamity cover Oman cover Roadside assistance  Mechanical assistance Lockout service  Towing service Battery service Flat tyre service

 

3. Watania Al Masa (Garage)

Benefits	Exclusions	Add-ons
Third-party damage limit Blood money Third-party liability Loss of personal belongings Emergency medical expenses Taxi fares  Lock replacement Off-road cover Child car seat replacement Car hire cash benefit Strike/riots/MD Windscreen excess waiver Ambulance service  New car replacement in case of total loss - Auto Gap Valet parking cover Fire and theft cover Emergency repair expense read more	Involuntary loss of employment insurance Airport pick and drop service  Agency repair	Personal accident cover for the driver and passengers Natural calamity cover Vehicle replacement  Roadside assistance — Accident and breakdown recovery Battery service  Flat tyre service  Towing service  Mechanical assistance Lockout service  Fuel delivery service Car registration service

 

 

4. Watania Takaful Al Masa (Premier)

Benefits	Exclusions	Add-ons
Third-party damage limit Blood money Third-party liability Loss of personal belongings Emergency medical expenses Taxi fares  Lock replacement Off-road cover Child car seat replacement Car hire cash benefit Strike/riots/MD Windscreen excess waiver Ambulance service  New car replacement in case of total loss - Auto Gap Valet parking cover Fire and theft cover Emergency repair expense read more	Involuntary loss of employment insurance Airport pick and drop service  Agency repair	Personal accident cover for the driver and passengers Natural calamity cover Vehicle replacement  Roadside assistance — Accident and breakdown recovery Battery service  Flat tyre service  Towing service  Mechanical assistance Lockout service  Fuel delivery service Car registration service

 

5. Sukoon Third Party Liability

Benefits	Exclusions	Add-ons
Third-party damage limit Blood money Third-party liability Ambulance service	Damage to the insured vehicle Off-road recovery	Personal accident cover for the driver and passengers Roadside assistance — Mechanical assistance Lockout service Towing service (within same city) Battery service  Flat tyre service

 

6. Qatar Insurance Company Third Party Liability

Benefits	Exclusions	Add-ons
Third-party damage limit Blood money Third-party liability	Damage to the insured vehicle Windscreen damage Lockout service	Personal accident cover for the driver and passengers Orange card Roadside assistance — Accident and breakdown recovery Battery service  Flat tyre service Towing service Mechanical assistance Fuel delivery service

Things to Keep in Mind When Buying a Privilege Car Insurance Policy in UAE

When choosing insurance for a luxury car, it’s important to understand a few basics to make the right decision. Here are the key things to keep in mind:

• Get Your Car Evaluated – Have your car professionally evaluated before buying insurance. Insurers determine premiums based on factors like age and condition. New vehicles depreciate more slowly, often leading to lower premiums. Older cars lose value faster and may attract higher insurance costs.
• Choose the Right Type of Insurance – Understand the difference between third-party and comprehensive coverage:
  • Third-party insurance – Covers damages or injuries caused to others, but not your own
  • Comprehensive insurance – Covers both third-party and damages to the insured vehicle or injuries If you own an older privilege car or drive it rarely, third-party insurance may provide sufficient insurance. Otherwise, comprehensive coverage is better for full protection.
• Compare Insurance Providers – Since privileged car insurance can be costly, compare multiple plans before choosing. Visit Policybazaar UAE to explore quotes. Compare features, premiums, and coverage side-by-side to pick the best plan.

How to Save Premium on Privilege Car Insurance in the UAE?

Even though the premium for privilege car insurance is high, some hacks can help you lower the premium to a certain extent. In this section, explore these tips in detail —

• Maintain a No-Claims Record – Avoid filing claims to earn a No-Claims Discount (NCD). Insurance companies reward safe drivers with lower premiums for every claim-free year.
• Drive Safely and Follow Rules – Avoid traffic violations like speeding, running red lights, or not wearing a seatbelt. Safe drivers are considered low-risk, and insurers often offer discounts to such policyholders.
• Increase Your Excess (Deductible) – The excess is the amount you pay out-of-pocket during a claim. Choosing a higher excess lowers your premium. Just make sure you can afford this amount if needed.
• Choose Only Necessary Add-ons – Add-ons provide extra coverage but come at a cost. Pick only those you really need to keep your premium affordable.
• Renew Your Policy on Time – Timely renewal prevents your policy from lapsing and helps retain your No-Claim Bonus. Delayed renewal can increase your premium and cause loss of discounts.

Frequently Asked Questions

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