DIC Comprehensive Car Insurance
Dubai Insurance Company (DIC) is a leading insurance provider in the UAE. Incorporated by His Highness Late Sheikh Rashid Al Maktoum, DIC ...read more
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Dubai comprehensive car insurance is among the top options in the country if you are looking for the best car insurance Dubai. This plan covers a vast range of damages and gives you the confidence to drive around the country without worrying about repair expenses or liabilities.
Benefits of Dubai Insurance Comprehensive Car Insurance
Listed below are the benefits of the comprehensive car insurance plan offered by DIC -
- You can get roadside assistance, which generally includes battery boost, mechanical repairs, emergency fuel delivery, flat tyre, and vehicle towing.
- Ambulance charges are also covered under this comprehensive plan.
- This DIC car insurance plan also offers agency repair, meaning that your vehicle is entitled to be repaired by the manufacturer. However, it is mostly offered for new cars only and is only valid for 2 to 3 years from the date of manufacture.
- With high third-party coverage limits, damages due to natural disasters, and others, this plan can provide you with peace of mind to drive — without stressing about car repair expenses or third-party liabilities.
DIC Comprehensive Car Insurance Inclusions
Given below are the inclusions of car insurance Dubai by DIC -
| Cover | Silver | Gold | Platinum |
|---|---|---|---|
| Third-Party Physical Injury (unlimited according to law) | Covered | Covered | Covered |
| Rent-a-car coverage according to Standard Unified Motor Insurance Policy Wording (Not Valid for Unknown/At Fault Claim) | Up to 15 days | Up to 15 days | Up to 15 days |
| Geographical Area | UAE | UAE + Oman (Subject to possession of the Orange Card) | UAE + Oman (Subject to possession of the Orange Card) |
| Third-Party Property Damage | AED 2 million | AED 2 million | AED 2 million |
| Natural Disasters as per Standard Unified Motor Insurance Policy Wording | Covered | Covered | Covered |
| Ambulance Expenses | AED 6,770 | AED 6,770 | AED 6,770 |
| Agency Repair | Brand New Vehicle/0 km | First 2 years from Brand New/0 km | First 2 years from Brand New/0 km |
| Valet Parking — Theft Coverage | Not Covered | Covered | Covered |
| Passengers according to Standard Unified Motor Insurance Policy Wording | Covered | Covered | Covered |
| Riot, Strike, and Civil Commotion | Not Covered | Covered | Covered |
DIC Comprehensive Car Insurance Exclusions
Listed below are the general exclusions of comprehensive car insurance Dubai -
- In case the driver had an invalid or expired driving licence or didn’t have one
- Damages incurred while driving under the influence of alcohol, drugs, or any other intoxicating substance
- Mechanical and electrical breakdown
- Damages occurred due to intentional violations of UAE laws
- Racing or vehicle testing
- Regular wear and tear
DIC Comprehensive Car Insurance Add-ons
With the comprehensive insurance plan of DIC, you can include the following additional covers -
- Battery boost
- Lockout service
- Emergency fuel service
- Documents delivery
- Off-road help
- Towing service
Car Insurance Addons
To Conclude
Dubai comprehensive car insurance offers plenty of benefits and coverage options to vehicle owners in the UAE. As you choose this car insurance plan, you get peace of mind from the excellent coverage features of this plan.
With this comprehensive car insurance plan, you can have coverage for everything — from theft and vandalism to accidental damages. Furthermore, you can choose from a wide range of add-ons that this plan comes with to customise its coverage as per your specific requirements.
All in all, you can expect excellent financial coverage and a worry-free driving experience with this plan.
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FAQ's
Q1. Is it mandatory to have motor insurance in Dubai?
Ans: As per the UAE Roads and Traffic laws, every vehicle owner should possess a car insurance plan that has at least third-party coverage.
Q2. Is there coverage for hit-and-run accidents?
Ans: If you hold a comprehensive car insurance plan and properly follow the claim process, you can get a cover for hit-and-run.
Q3. Do I have to file a police report for windscreen damage repairs?
Ans: It is mandatory to file a police report for claim registration due to accidental damages.
Q4. Will I get a replacement when my car is under repair?
Ans: If you are not at fault in an accident, you can have a replacement car for up to 15 days. Keep in mind that if you were at fault, you would be able to avail of the facility only if a clause confirming the same was included in your plan before the accident took place.
Car Insurance for Top Car Brands in UAE
Zafran ZebRas Al Khaimah, 23 January 2026
★★★★★
Works Well Across Emirates – Even in Ras Al KhaimahMany platforms focus mainly on Dubai, but Policybazaar.ae worked perfectly for me in Ras Al Khaimah. I easily found car insurance Ras Al Khaimah options without any location-based issues. The process was smooth, pricing competitive and customer support responsive
Anwar ChangarathDubai, 13 January 2026
★★★★★
Simple, Honest, and Actually Helpful – My Experience with Policybazaar.aeI was searching for car insurance in Dubai and honestly felt overwhelmed by too many insurers saying the same thing. Policybazaar.ae made the process much simpler. I could compare car insurance quotes from multiple insurers on one screen, without calls or pressure. What I liked most was transparency. The price shown for motor insurance Dubai was exactly what I paid—no hidden charges later.
AHMED OSAMADubai, 10 January 2026
★★★★★
Get Car Insurance Plans in One Go!I buy car insurance from Policybazaar.ae. Website easy and many options show. I talk to executive and he explain slowly, very good. I choose comprehensive plan with flood cover. Policy receive same day. Happy with service, no tension.
Mohammad Zouhair TabcheDubai, 4 January 2026
★★★★★
Best Car Insurance PlansI was assisted by Policybazaar.ae advisor Shaikh Mansoor Ali (BE07520). He patiently explained the difference between agency repair and non-agency repair. He didn’t push any plan and gave honest suggestions based on my car value. Because of his guidance, I chose the right comprehensive motor insurance. Good support and professional service.
Ahmad AbbasDubai, 31 December 2025
★★★★★
Policybazaar.ae is a SaviourI had a minor accident on Sheikh Zayed Road and needed to file a claim. I bought my policy through Policybazaar.ae earlier this year. Their team guided me on the claim steps and documents required. The process was not stressful and I got updates on time. For someone like me who doesn’t understand insurance much, this was very helpful.
Michelle Robles SignarDubai, 27 December 2025
★★★★★
Flood Coverage with Policybazaar.aeAfter the heavy rains in Dubai last year, I realised how important flood coverage is. Policybazaar.ae clearly showed which car insurance plans included flood and water damage and which ones didn’t. I spoke to the advisor and he explained everything in simple words. I now feel more secure knowing my car is protected during unexpected weather.
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