Sports Car Insurance

From costly repairs and expensive parts to enhanced liability and theft protection, these policies provide complete peace of mind. Given the higher risks and value involved, premiums may be higher, but the right coverage ensures your prized possession is fully protected on and off the road.

Things to Know About the Best Car Insurance for Sports Cars in UAE

High-performance cars are designed for exceptional speed, power, and advanced handling. These include sports cars, supercars, and luxury vehicles from brands like Ferrari, Lamborghini, Porsche, and Aston Martin. Built with premium parts and cutting-edge technology, these vehicles require special insurance coverage to address their distinct requirements. 

Here’s why insuring high-performance cars differs from regular vehicles —

• Higher Value – These cars cost significantly more, so insurance must fully cover theft or total damage
• Costly Repairs – Specialised parts and expert labour make repairs more expensive
• Greater Risk – Higher speeds increase accident risk, requiring better liability protection
• Agreed Value Coverage – Insurers set a fixed payout value to avoid depreciation issues
• Expensive Parts – Premium materials drive up repair and replacement costs

Basic coverage isn’t enough—these cars need high-value, comprehensive motor insurance. 

Best Insurance for Sports Car in UAE

The following are the best car insurance plans for a sports car in the UAE —

1. Sukoon Comprehensive (Gold Agency) -

Benefits	Riders	Exclusions
Third-party liability Damage to the insured vehicle Third-party damage limit Blood money Ambulance service  Loss of personal belongings Lock replacement MD/riots/strikes Agency repair Emergency medical expenses Windscreen damage Valet parking theft cover Off-road cover	Personal accident cover for the driver and passengers Natural calamity cover Oman cover Roadside cover (Gold) — Mechanical assistance Lockout service Towing service (within the same city) Battery service Flat tyre service	New car replacement in case of total loss

Click here to Buy Sukoon Comprehensive Insurance

2. Oriental Insurance Comprehensive (Agency) -

Benefits	Riders
Third-party liability Damage to the insured vehicle Third-party damage limit Blood money Windscreen damage Emergency medical expenses Off-road cover Ambulance service  Agency repair MD/strikes/riots Loss of personal belongings Personal injury Valet parking cover Taxi fares Fire and theft cover	Personal accident cover for the driver and passengers Vehicle replacement Roadside assistance — Mechanical assistance Lockout service  Fuel delivery service  Battery service  Flat tyre service

Click here to Buy Oriental Comprehensive Insurance

3. Sukoon Comprehensive (Gold Garage)

Benefits	Riders	Exclusions
Third-party liability Damage to the insured vehicle Third-party damage limit Blood money Emergency medical expenses Windscreen damage Valet parking theft cover Off-road cover Ambulance service Loss of personal belongings Lock replacement MD/riots/strikes	Personal accident cover for the driver and passengers Natural calamity cover Oman cover Roadside assistance (Gold) — Battery service  Flat tyre service  Mechanical assistance Lockout service  Towing service (but within the same city)	Agency repair New car replacement in case of total loss

Click here to Buy Sukoon Comprehensive Insurance

4. RAKInsurance Third Party Only

Benefits	Riders	Exclusions
Third-party liability Third-party damage limit Blood money	Personal accident cover for the driver and passengers Roadside assistance — Towing service Fuel delivery service Flat tyre service Off-road recovery Mechanical assistance Lockout service Battery service	Damage to the insured vehicle

Click here to Buy RAKInsurance Third Party Only

5. Sukoon Third Party Liability

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

Click here to Buy Sukoon Third Party Liability

6. Qatar Insurance Company Third Party Liability

Benefits	Riders	Exclusions
Third-party liability Third-party damage limit Blood money	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	Damage to the insured vehicle Lockout service Windscreen damage

Factors Affecting Sports Car Insurance Premium in UAE

There are certain factors you need to take into account as they can influence the cost of high- performance cars.  We have explained these factors in detail below —

• Make and Model – High-performance cars like Ferrari, Lamborghini, and Porsche come with advanced features and powerful engines. Because their parts and repairs are expensive, these vehicles naturally have higher premiums. The more luxurious the model, the more you'll pay for insurance.
• Driver Profile – Your age, driving experience, and history plays a significant role in determining insurance costs. Young or inexperienced drivers and those with a record of accidents or traffic violations are seen as high-risk, resulting in higher premiums. If you have a clean driving record, insurers reward that with lower rates
• Type of Coverage – Choosing comprehensive coverage—which includes protection from theft, fire, third-party liability, and damage—costs more than basic third-party-only motor insurance. Still, for valuable sports cars, full coverage is highly recommended.
• Car Value – Luxury and sports cars have higher market values, so insuring them is more expensive. Newer models also cost more to insure due to depreciation and replacement value.
• Usage – Frequent driving increases the risk of damage or accidents. If you drive your car daily, expect a higher premium compared to using it only on special occasions.
• Location – In cities like Dubai, your area of residence and where you park your car matter. Living in high-risk areas or using street parking may lead to higher premiums, while secure garages and safer neighborhoods often reduce insurance costs.

How to Lower Your Sports Car Insurance Rates?

Here’s a simplified and detailed version of the tips to help lower your sports car insurance costs —

• Compare Quotes – Always check rates from different insurance companies before buying a plan. Comparing quotes helps you find the best deal for the coverage you need.
• Maintain a Clean Record – Drive safely to avoid accidents and traffic violations. A good driving history shows you're low risk, which helps lower your insurance cost.
• Limit Usage – Use your luxury or sports car for occasional driving instead of daily commutes. Some insurers offer lower rates for low-mileage vehicles.
• Regular Maintenance – Keep your car in top condition. A well-maintained vehicle is less likely to break down or cause accidents. Service records can also help in getting better rates.

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