Best Car Insurance Companies in Dubai

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Owning a vehicle is one of the most adored and awaited experiences for every individual in their lives. Whether it is an expensive sport or luxury car or a basic family-style car, having your very own car is a feeling that none can beat. So, it is only natural that we all would want to do everything in our power to ensure its well-being and safety. This is why having a well-thought and well-researched car insurance policy in dubai, preferably from best car insurance companies, is essential.

  • Comprehensive
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*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.

In order to choose the best, you need to have at least working knowledge of all the top options in front of you. The same goes for the car insurance companies of UAE. There are several options that you can choose from, naturally, and we have picked the best 10 out of them to help you zero down to one that’s best for you. Following is a comprehensive layout of the top car insurance providers of the UAE with a brief introduction of plans and benefits that they offer:

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Best Car Insurance Companies in Dubai, UAE - 2024

Most of these plans listed by Best car insurance companies in Dubai and UAE include common offerings of geographical cover of UAE and Oman, agency repairs ranging from 3-5 years, and 24x7 accident & breakdown recovery services along with emergency roadside assistance by default. Let’s dive into the other specifics for you to decide even better.

1.Sukoon (Previously Oman) Insurance

Seen as one of the most reliable car insurance companies in the UAE, Sukoon (Previously Oman) Car Insurance has its headquarters in Dubai. It operates in every emirate with a network of over 15 branches in each emirate, Sultanate of Oman, and Qatar. Sukoon provides the best car insurance in the UAE. It offers a range of comprehensive, third-party, and Privilege Motor insurance plans.

Discussed below are the features of the Sukoon comprehensive car insurance plan -

Inclusions Add-ons 
  • Third-party Injury
  • Loss of Use Allowance
  • Third-party Property Damage
  • Ambulance Cover
  • Loss or Damage to Insured Vehicle
  • Personal Accident Cover
  • Lock Replacement
  • Cover against Natural Disasters
  • Personal Injury Cover
  • Roadside Assistance
Click here to Buy Oman Car Insurance

2. GIG Gulf (Previously Known as AXA) Car Insurance

GIG Gulf (Previously AXA) is a French multinational company that has been in the Gulf insurance market for over 70 years and is one of the best car insurance companies in the UAE. It offers competitive comprehensive car insurance plans - Motor Prestige and Motor Perfect. One of the best motor insurance in the UAE, the round-the-clock multilingual customer care service, a transparent claim process, and more. Find out more about this car insurance in the UAE -

Inclusions Add-ons
  • Third-party Liability
  • Damage to Own Vehicle
  • Cover against Riots/MD/Strikes
  • Windscreen Excess Waiver
  • Ambulance Service
  • Auto Gap
  • Off-road Cover
  • Accident and Breakdown Recovery
  • Car Registration Service
  • Airport Pick and Drop Service
  • Loss of Personal Belongings
  • Emergency Medical Expenses
  • Personal Injury
  • Fire and Theft Cover
  • Personal Accident Cover
  • Natural Disaster Cover
  • Vehicle Replacement
  • Roadside Assistance - Breakdown Recovery
  • Oman Cover 
Click here to Buy Axa Car Insurance

3. Al Sagr Insurance

Al Sagr Insurance was founded in 1979 and is one of the top 10 car insurance companies in the UAE. Based in Dubai, the provider offers the best car insurance plans that offer financial coverage to the policyholder, your beneficiaries, and the vehicle. The following table discusses in detail the features of Al Sagr’s comprehensive car insurance plan -

Inclusions Add-ons
  • Agency Repair
  • Outside Agency Repair
  • Bodily Injury
  • Personal Accident Cover 
  • Damage to Own Vehicle 
  • Third-party Liability
  • National Ambulance Service 
  • Natural Disaster Cover
  • Windscreen Damage Waiver
  • Medical Expenses
  • Car Replacement 
  • Oman Extension Cover
  • Orange Car Benefit
  • Roadside Assistance
Click here to Buy Al Sagr Car Insurance

4. Al Fujairah National Insurance Company (AFNIC)

The only insurance company in the whole of UAE with its headquarters located in the emirate of Fujairah is AFNIC. This car insurance company in the UAE provides the best car insurance in the UAE with excellent claim service in the country. The table below details the features of AFNIC comprehensive car insurance -

Inclusions Add-ons 
  • Agency Repair
  • Damage to the Insured Vehicle
  • Third-party Liability
  • Fire and Theft Cover
  • Personal Accident Cover for Driver and Passengers
  • Oman Cover with Orange Card
  • Natural Disaster Cover
  • Emergency Roadside Assistance
Click here to Buy AFNIC Car Insurance

5. Watania Takaful (Previously Noor Takaful) 

Watania Takaful (Previously known as Noor Takaful) is one of the best car insurance companies in the UAE. A Sharia-compliant company, Watania offers comprehensive car insurance plans in the UAE. The following table depicts the features of Watania Takaful car insurance in the UAE -

Inclusions Add-ons 
  • Third-party Liability
  • Damage to the Insured Vehicle
  • Riots/MD/Strikes
  • Windscreen Excess Waiver
  • Ambulance Service
  • Auto Gap
  • Lock Replacement
  • Off-road Cover
  • Child Car Replacement
  • Emergency Repair Expense
  • Loss of Personal Belongings
  • Emergency Medical Expenses
  • Taxi Fares
  • Personal Injury
  • Valet Parking Cover
  • Fire and Theft Cover
  • Off-road Recovery
  • Car Hire Cash Benefit
  • Personal Accident Benefit 
  • Natural Calamity Cover
  • Vehicle Replacement
  • Oman Cover Extension
  • Roadside Assistance
Click here to Buy Noor Takaful Car Insurance

6. Adamjee Insurance

Adamjee Insurance is one of the top car insurance companies in the UAE. The provider offers the best car insurance in the UAE that can insure up to 15-year-old cars.  To find out more about comprehensive car insurance, go through the table below - 

Inclusions Add-ons 
  • Third-party Damage
  • Damage to Own Vehicle 
  • Cover against Riots/MD/Strikes
  • Ambulance Service
  • Windscreen Excess Waiver
  • Fire and Theft Cover
  • Replacement Vehicle
  • 24/7 Roadside Assistance and Breakdown Recovery
  • Natural Disaster
  • Windscreen Damage Cover
  • Personal Accident Benefit 
Click here to Buy Adamjee Car Insurance

7. Tokio Marine Insurance

Tokio Marine is the largest non-life insurance company in Japan and has been of equal importance in the UAE insurance market since 1976 although it was originally established in the year 1879 in Japan. Apart from UAE, Tokio Marine serves customers of 44 other countries worldwide and is known to be one of the very best car insurance companies in the world. Tokio Marine Insurance offers a huge range of comprehensive car insurance plans along with third-party insurance plans for UAE customers today.

Inclusions Add-ons 
  • Third-party Liability
  • Damage to Own Vehicle
  • Windshield Damage Excess Waiver
  • Off-road Cover
  • Fire and Theft Cover 
  • Emergency Medical Expenses
Loss of Use 
Click here to Buy Tokio Marine Car Insurance

8. Abu Dhabi National Takaful Company

The aim of Abu Dhabi National Takaful Company is to offer ideal, tailor-made Takaful insurance solutions to the regional insurance market of Dubai and the UAE. Abu Dhabi National Takaful Company was founded in 2003 and has its headquarters located in Abu Dhabi. It is also registered as the very first of the Takaful insurance companies in the UAE and is considered to be one of the best car insurance companies in the UAE.  

Inclusions Add-ons
  • Third-party Liability
  • Damage to Own Vehicle
  • Fire and Theft Cover
  • Emergency Roadside Assistance
  • Rent-a-car Benefit for 24 Hours
  • Emergency Medical Expenses
  • Car Registration
  • Natural Disasters Cover
  • Off-road Cover
  • Oman Extension
  • National Ambulance Service
  • Car Replacement
  • Income Protection
Click here to Buy Abu Dhabi National Takaful Car Insurance

9. Salama Takaful Insurance

Salama is one of the top 10 car insurance companies in the UAE and offers a huge range of Sharia-compliant insurance products. Salama was established in 1979 and has been a shining star of the Takaful insurance industry from the very beginning. It offers wonderful comprehensive car insurance plans with a variety of benefits and add-ons as added benefits to the customers making it one of the best car insurance companies to go with.

Inclusions Add-ons
  • Third-party Liability
  • Damage to Own Vehicle
  • Loss of Personal Belongings
  • Emergency Medical Expenses
  • Auto Gap
  • Valet Parking Cover
  • Child Car Seat Replacement 
  • Car Registration Service
  • Windscreen Damage
  • Ambulance Service
  • Lock Replacement
  • First and Theft Cover
  • Personal Accident Cover 
  • Natural Disaster Cover
  • Vehicle Replacement
  • Roadside Assitance
Click here to Buy Salama Car Insurance

10.Liva (Previously RSA) Insurance

With over 60 years of experience in serving its customers in the UAE, Live (Previously RSA insurance) Insurance has been a big part of the insurance field in the country. The original roots of the company were established some 300 years ago. A very reliable car insurance company in the country, RSA has been functioning in UAE since 1956 and offers a variety of different car insurance plans with a comprehensive list of benefits, as explained below.

Inclusions Add-ons
  • Third-party Liability
  • Damage to Own Vehicle
  • Emergency Medical Expenses
  • Taxi Fares
  • Windscreen Protection
  • Off-road Cover
  • Ambulance Service
N/A
Click here to Buy RSA Car Insurance

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Car Insurance Brokers in UAE

With a myriad of car insurance choices available, it can be hectic to find the best car insurance suiting your needs. Therefore, it is feasible to seek professional advice in choosing the best car plan. Furthermore, being an extensive car insurance market, UAE homes numerous car insurance broker companies to help you find the right car protection plan.

Before taking the plunge to talk about why you should buy your car insurance plan through a broker, do you know who a broker is? A car insurance broker is an individual or a firm that researches various car insurance plan available in the UAE and help you find the best car insurance plan. The services of the car insurance broker in the UAE may or may not be free but surely save a lot of your time and effort. In UAE, you can find both online and offline car insurance brokers, and you can choose either of them at your convenience.

The advantages of buying car insurance through a broker include:

  • Expert Advice - You may find it challenging to decipher certain insurance terms and wording which a broker can help you understand better, no doubt. Additionally, they have a refined understanding of most car insurance plans that may suit perfectly with your requirements.
  • Attractive Offers - Insurance companies in the UAE work closely with various insurance brokers and promote their products with timely offers and rebates. Therefore, purchasing a car insurance plan through a broker can offer you numerous discounts on insurance premiums and rates.
  • Saves Time and Effort - Searching for the right car insurance can take considerable time and effort. Thus, a car insurance broker simplifies your research process through expert advice based on your requirements.
  • Special Car Insurances - Vehicle insurance for vintage and premium cars may not be available to the general public and are usually sold through car insurance brokers in the UAE. Additionally, you can receive preferential premium rates on your car protection plan.

Conclusion

There is no shortage of good car insurance providers in the UAE for you to pick from and make a final decision. However, every choice that you make should be a well-informed one since car insurance is not only a protective measure but also an investment. Make sure you have done your research and compared car insurance companies and policies using comparison tools available on insurance aggregator websites like PolicyBazaar UAE. Given that you do the needful, you can easily buy ideal car insurance online from your favourite provider.

Related Links
Top 10 Car Insurance Companies in Abu Dhabi
Top 10 Car Insurance Companies in Fujairah
Top 10 Car Insurance Companies in Ajman
Top 10 Car Insurance Companies in Al Ain

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