Audi Car Insurance

It’s key to remember that as the brand produces expensive cars, the repair of an Audi car can also prove expensive. For this reason (as well as the mandatory status of car insurance in UAE), it is crucial to get your Audi car insurance done around the time of purchase.

We will have a look at all the essential details regarding Audi car insurance in the UAE and the process of buying, renewing, and filing an Audi insurance. 

Type of Audi Car Insurance

To avail of Audi car insurance in the UAE, you can either opt for comprehensive coverage or a third-party liability insurance policy. 

A comprehensive car insurance plan provides coverage to both the third party and the policyholder in case the parties’ vehicles or the individual incur damages due to an accident. Comprehensive car insurance plans generally include both medical and vehicle damage cover for both parties.

If you consider purchasing third-party liability insurance, on the other hand, it will cover only the third party in an accident where third-party damage is present. 

Top Insurance Companies for Audi Car Insurance 

In the following table, we will have a quick glance at the Audi insurance quotes for the top models available in the UAE:

Audi Q5

Variant: S-Line 2.0L

Name of the Insurance Company	Type of Insurance	Excess Amount
Al Sagr Insurance (Garage)	Comprehensive	AED 350
Oriental Insurance (Agency)	Comprehensive	AED 350
Dubai National Insurance (Premium Agency)	Comprehensive	AED 250
Alliance Insurance (Agency)	Comprehensive	AED 350
Aman Insurance (Standard Agency)	Comprehensive	AED 350
Tokio Marine Insurance	Third-Party Liability	NA
Adamjee Insurance	Third-Party Liability	NA
Al Sagr Insurance	Third-Party Liability	NA

Inclusions

Here are the key inclusions of the car insurance plans for Audi discussed earlier:

Al Sagr Insurance (Garage)

• Windscreen damage cover - Up to AED 2,000
• Emergency medical expenses - up to AED 2,000 (valid for any one accident)

Oriental Insurance (Agency)

• Damages due to strikes and riots
• Ambulance service
• Lock replacement cover
• Valet parking theft cover
• Agency repair
• Fire and theft cover
• Off road cover - for only 4WD and separate excess AED 2,500
• Loss of personal belongings - Up to AED 2,000
• Windscreen damage cover - Up to AED 3,000
• Emergency medical expenses - up to AED 1,500

Dubai National Insurance (Premium Agency)

• Damages due to strikes and riots
• Loss of personal belongings cover - up to AED 3,500
• Emergency medical expenses - up to AED 5,000
• Ambulance service - up to AED 6,770
• Taxi fares - up to AED 150
• Off road cover- only for 4WD
• No-claim discount protection – up to 10% on renewal
• Agency repair

Alliance Insurance (Agency)

• Agency repair
• Fire and theft cover
• Windscreen damage cover
• Loss of personal belongings - up to AED 2,000
• Emergency medical expenses - up to AED 2,000
• Ambulance service

Aman Insurance (Standard Agency)

• Agency repair
• Windscreen damage
• Lock replacement

Exclusions

Listed below are the major exclusions of the top Audi insurance plans:

Al Sagr Insurance (Garage)

• Agency repair

Oriental Insurance (Agency)

• Child car seats
• Involuntary loss of employment insurance
• New car replacement in case of total loss - auto gap
• Alloy wheel replacement

Dubai National Insurance (Premium Agency)

• Valet parking theft cover
• Personal accident cover for worker/employee
• Involuntary loss of employment insurance
• Lock replacement
• New car replacement in case of total loss - auto gap

Alliance Insurance (Agency)

• Car registration service
• Off road cover

Aman Insurance (Standard Agency)

• Damages due to strikes and riots
• Ambulance service
• Emergency medical expenses
• No-claim discount protection
• Taxi fares
• New car replacement in case of total loss - auto gap
• Loss of personal belongings
• Involuntary loss of employment insurance
• Off road cover
• Valet parking theft cover

Audi A8

Variant: 3.0 TC

Name of the Insurance Company	Type of Insurance	Excess Amount
Alliance Insurance (Agency)	Comprehensive	AED 1,000
Al Sagr Insurance (Garage)	Comprehensive	AED 1,200
Aman Insurance (Standard Agency)	Comprehensive	AED 1,400
Dubai National Insurance (Premium Agency)	Comprehensive	AED 750
Al Wathba Insurance (Agency)	Comprehensive	AED 1,200
Tokio Marine Insurance	Third-Party Liability	NA
Adamjee Insurance	Third-Party Liability	NA
Oriental Insurance	Third-Party Liability	NA

Inclusions

Find below the key inclusions for car insurance plans for the Audi A8 3.0 TC variant:

Alliance Insurance (Agency)

• Loss of personal belongings cover - Up to AED 2,000
• Windscreen damage cover
• Ambulance service
• Emergency medical expenses - up to AED 2,000
• Agency repair
• Fire and theft cover

Al Sagr Insurance (Garage)

• Emergency medical expenses - up to AED 2,000 (any one accident)
• Windscreen Damage - up to AED 2,000

Aman Insurance (Standard Agency)

• Agency repair
• Lock replacement
• Windscreen Damage cover

Dubai National Insurance (Premium Agency)

• Damages due to strikes and riots
• Loss of personal belongings - up to AED 3,500
• Emergency medical expenses - up to AED 5,000
• Ambulance service - up to AED 6,770
• Taxi fares - up to AED 150
• Off road cover- for 4WD only
• No-claim discount protection – up to 10% on renewal
• Agency repair

Al Wathba Insurance (Agency) 

• Damages due to strikes and riots
• Loss of personal belongings - up to AED 1,000
• Windscreen excess waiver - up to AED 1,500
• Ambulance service
• Emergency medical expenses
• Agency repair cover
• Fire and theft cover
• Car registration service
• International driving licence - free

Exclusions

Here are the major exclusions:

Alliance Insurance (Agency)

• Off road cover
• Car registration service

Al Sagr Insurance (Garage)

• Agency repair

Aman Insurance (Standard Agency)

• Damages due to strikes and riots
• No-claim discount protection
• Ambulance service
• Involuntary loss of employment insurance
• Taxi fares
• Loss of personal belongings
• Emergency medical expenses
• New car replacement in case of total loss - auto gap

Dubai National Insurance (Premium Agency)

• Valet parking theft cover
• Personal accident cover for worker/employee
• Involuntary loss of employment insurance
• Lock replacement
• New car replacement in case of total loss - auto gap

Al Wathba Insurance (Agency)

• Valet Parking theft cover
• Lock replacement
• New car replacement in case of total loss - auto gap
• No-claim discount protection
• Emergency medical expenses

Audi A4

Variant: Standard 2.0L

Name of the Insurance Company	Type of Insurance	Excess Amount
Al Sagr Insurance (Garage)	Comprehensive	AED 1,000
Oriental Insurance (Agency)	Comprehensive	AED 500
Dubai National Insurance (Premium Agency)	Comprehensive	AED 500
Alliance Insurance (Agency)	Comprehensive	AED 750
Aman Insurance (Standard Agency)	Comprehensive	AED 1,000
Tokio Marine Insurance	Third-Party Liability	NA
Adamjee Insurance	Third-Party Liability	NA
Al Sagr Insurance	Third-Party Liability	NA

Inclusions

The following are the most notable inclusions of Audi car insurance plans for the A4 Standard 2.0L variant:

Al Sagr Insurance (Garage)

• Windscreen Damage cover - Up to AED 2,000
• Emergency medical expenses - Up to AED 2,000 (any one accident)

Oriental Insurance (Agency)

• Damages due to strikes and riots
• Ambulance service
• Lock replacement cover
• Valet parking theft cover
• Agency repair
• Fire and theft cover
• Off road cover – only for 4WD and requires a separate excess of AED 2,500
• Loss of personal belongings - Up to AED 2,000
• Windscreen Damage - Up to AED 3,000
• Emergency medical expenses - up to AED 1,500

Dubai National Insurance (Premium Agency)

• Damages due to strikes and riots
• Loss of personal belongings - up to AED 3,500
• Emergency medical expenses - up to AED 5,000
• Ambulance service- up to AED 6,770
• Taxi fares- up to AED 150
• Off road cover - for 4WD only
• No-claim discount protection – up to 10% on renewal
• Agency repair

Alliance Insurance (Agency)

• Agency repair
• Fire and theft cover
• Windscreen damage cover
• Loss of personal belongings - up to AED 2,000
• Emergency medical expenses - up to AED 2,000
• Ambulance service

Aman Insurance (Standard Agency)

• Agency repair
• Windscreen damage
• Lock replacement

Exclusions

You would not be able to avail make a claim due to the following situations or scenarios with your Audi car insurance plan:

Al Sagr Insurance (Garage)

• Agency repair

Oriental Insurance (Agency)

• Child car seats
• Involuntary loss of employment insurance
• Car replacement in case of total loss - auto gap
• Alloy wheel replacement

Dubai National Insurance (Premium Agency)

• Valet parking theft cover
• Personal accident cover for employee/worker
• Involuntary loss of employment insurance
• Lock replacement
• New car replacement if total loss is present - auto gap

Alliance Insurance (Agency)

• Car registration service
• Off road cover

Aman Insurance (Standard Agency)

• Damages due to strikes and riots
• Ambulance service
• Emergency medical expenses cover
• No-claim discount protection
• Taxi fares
• New car replacement in case of total loss - auto gap
• Loss of personal belongings cover
• Involuntary loss of employment insurance
• Off road cover
• Valet parking theft cover

Audi A5

Variant: Standard 2.0L

Name of the Insurance Company	Type of Insurance	Excess Amount
Dubai National Insurance (premium agency)	Comprehensive	AED 500
Oriental Insurance (agency)	Comprehensive	AED 1,000
Al Wathba (agency)	Comprehensive	AED 1,500
Aman Insurance (standard agency)	Comprehensive	AED 1,000
Salama Insurance (agency)	Comprehensive	AED 500
Tokio Marine Insurance	Third-Party Liability	NA
Salama Insurance	Third-Party Liability	NA
Oriental Insurance	Third-Party Liability	NA

Inclusions

Here are the primary inclusions of Audi car insurance in UAE for the A5 Standard 2.0L variant

Dubai National Insurance

• Damages due to strikes and riots covered
• Loss of personal belongings cover - up to AED 3,500
• Emergency medical expenses - up to AED 5,000
• Ambulance service - up to AED 6,770
• Taxi fares- up to AED 150
• Off road cover - for 4WD only
• No-claim discount protection – up to 10% on renewal
• Agency repair

Oriental Insurance

• Damages caused by strikes and riots
• Ambulance service
• Lock replacement
• Valet parking theft cover
• Agency repair
• Fire and theft cover
• Off road cover – only for 4WD and requires separate excess of AED 2,500
• Loss of personal belongings - Up to AED 2,000
• Windscreen Damage - Up to AED 3,000
• Emergency medical expenses - Up to AED 1,500

Al Wathba

• Damages due to strikes and riots
• Windscreen excess waiver - up to AED 1,500
• Loss of personal belongings - up to AED 1,000
• Agency repair
• Ambulance service
• Car registration service
• Fire and theft cover
• International driving licence - free

Aman Insurance

• Agency repair
• Windscreen damage cover
• Lock replacement cover

Salama Insurance

• Loss of personal belongings- up to AED 5000
• Windscreen damage- up to AED 4000
• Lock replacement- up to AED 1000
• Emergency medical expenses- up to AED 5000
• Ambulance service
• New car replacement in case of total loss- auto gap
• Child car replacement – up to AED 2000
• Agency repair
• Fire and theft cover
• Valet parking cover
• Car registration service- once a year

Exclusions

Given below are the exclusions for the Audi insurance plans for the mentioned variant

Dubai National Insurance

• Valet parking theft cover
• Personal accident cover for worker/employee
• Involuntary loss of employment insurance
• Lock replacement
• Car replacement in case of total loss - auto gap

Oriental Insurance

• Child car seats
• Involuntary loss of employment insurance
• New car replacement in case of total loss - auto gap
• Alloy wheel replacement

Al Wathba

• Valet parking theft cover
• Lock replacement
• Car replacement in case of total loss - auto gap
• No-claim discount protection
• Emergency medical expenses

Aman Insurance

• Damages due to strikes and riots
• Ambulance service
• Emergency medical expenses
• No-claim discount protection
• Taxi fares
• Car replacement in case of total loss - auto gap
• Loss of personal belongings cover
• Involuntary loss of employment insurance
• Off road cover
• Valet parking theft cover

Salama Insurance

• International driving licence discount
• Involuntary loss of employment insurance

Car insurance companies also offer add-ons to their customers that can be included in their regular car insurance plans. The major add-ons available for Audi car insurance are as follows:

• Natural calamity cover
• Personal accident cover for driver
• Personal accident cover for passenger
• Roadside assistance
• Oman cover 
• Replacement of vehicle

Why Buy Audi Car Insurance Policy?

The UAE government has made it mandatory for all car owners to get their cars secured with a car insurance policy. Individuals caught driving without valid car insurance can face penalties like a fine of AED 500, four black points on their driving licence, and even confiscation of their car for 7 days.

However, the importance of car insurance extends beyond the legal mandate. As cars like Audi are generally expensive, repairing them after an accident can prove to be a massive financial burden for car owners. By purchasing an Audi insurance policy on time, one can easily get the required financial assistance in case their Audi car is injured. 

Process of Car Insurance Renewal for Audi Cars

Renewing your Audi car insurance before its expiry can save you from trouble. Failing to renew your car insurance can lead to penalties for driving without insurance. Moreover, in case a car accident occurs after the policy is expired, the respective insurance provider will not provide any assistance or cover to the policyholder.

Individuals can renew their Audi car insurance policies either via the existing company or another insurance provider. For the former, you can visit the official website of your existing provider and follow the instructions provided in the car insurance renewal section to complete the process. In case you want to move to a new insurance company due to dissatisfaction with your present insurance provider, you can visit the new provider’s website and apply for a car insurance plan from the relevant section on their website. In the process, you can mention the details of your previous plan.

Audi Car Insurance Claim Procedure

You must immediately initiate the insurance claim process as soon as the incident occurs to ensure quick assistance. Here is how you can file your Audi car insurance:

• Inform the Police: The first step to be completed while making an insurance claim is to contact the nearest police station and inform them about the accident. Once a report is filed for the accident, you will need to get a copy of it for the claim. 

• Contact Your Insurance Provider: After the police, you can now contact your insurance company to proceed with the claim process. Inform them about the damages incurred due to the accident and request them to initiate the claim process. 

• Collect Relevant Evidence: It is always advisable to gather evidence of the accident by clicking pictures or making videos of the involved vehicles, accident site, and more. 

• Proceed with the Paper Work: You can now fill out the insurance claim form after obtaining it from the website of your insurance provider and submit it (on the same website or in person) along with the required documents.

Once these steps are completed, your claim will be processed by your insurance provider. In case the claim is found valid, you will get a service centre assigned for your vehicle. Your car will be examined by an inspector there who will send the report of expenses to your provider. After you pay the deductibles (if applicable), your car repairing centre will start the repair work. 

Documents Required for Audi Car Insurance Claims

When filing a claim with your Audi car insurance, you must keep the following documents handy - 

• Driving licence
• Vehicle registration document
• Police report
• Car modification certification (if applicable)
• Car insurance claim form

How to Buy Audi Insurance Online?

Policybazaar UAE is the best place to purchase an Audi car insurance policy if you wish to secure your car with the best plan at the most affordable rates. After visiting policybazaar.ae, you can head to the ‘car insurance’ section and fill out the lead form by providing appropriate details about your car, income, and more.

After you submit the form, all the relevant Audi insurance quotes will appear on your screen. You can easily compare them based on their features, coverage, exclusions, premium, and more. Once you zero down on any plan, you can hit the ‘apply’ button and follow the instructions to complete the application process quickly. 

Here is the list of advantages you can enjoy by getting your Audi car secured with policybazaar.ae:

• Wide range of Audi car insuranceplans to choose from on our easily accessible platform 
• Top car insurance plans provided at the best prices 
• Facility to compare the top car insurance quotes from the eminent insurance providers in one place
• Customer support team available to assist you at any time
• Access to insurance experts to resolve any doubts

Car Insurance for Luxury Car in UAE

FAQs

Q1. Are Audis expensive to insure?

Ans: Generally, the insurance plans for expensive cars tend to be priced on the higher side. However, with Policybazaar UAE, you can get Audi car insurance plans at highly affordable rates.

Q2. What does my Audi insurance cover?

Ans: While the coverage provided by each car insurance plan depends on the provider and the plan, you can check out the general covers provided for Audi insurance plans in the UAE - 

• Loss of personal belongings cover
• Damages due to strikes and riots
• Windscreen damage
• Agency repair
• Ambulance service
• Emergency medical expenses

Q3. From where can I purchase insurance for my Audi car?

Ans: You can check out all the top Audi car insurance plans at policybazaar.ae. You can also visit the official website of your insurance provider or visit one of their branches to apply for Audi car insurance offline.