# DIC Comprehensive Car Insurance **Published:** 2023-09-21 **Updated:** 2026-07-21 **Author:** Nupur Jain **Reviewer:** Toshita Chauhan Balochi **Original Url:** https://www.policybazaar.ae/car-insurance/dubai-comprehensive-car-insurance/ **We are Rated:** 4.7/5 **Review Count:** 44,602 [Reviews](https://maps.app.goo.gl/Ry9H7NLgFAGso8gZ7) **Insurance Partners:** 35+ **Trusted Customers:** 2 Million+ **Policies Sold:** 1 Million+ Dubai Insurance Company (DIC) is a leading insurance provider in the UAE. Incorporated by His Highness Late Sheikh Rashid Al Maktoum, DIC has consistently provided exceptional insurance products and services since its inception. Table of Content * [Benefits of Dubai Insurance Comprehensive Car Insurance](#benefits-of-dubai-insurance-comprehensive-car-insurance) * [DIC Comprehensive Car Insurance Inclusions](#dic-comprehensive-car-insurance-inclusions) * [DIC Comprehensive Car Insurance Exclusions](#dic-comprehensive-car-insurance-exclusions) * [DIC Comprehensive Car Insurance Add-ons](#dic-comprehensive-car-insurance-addons) * [To Conclude](#to-conclude) * [FAQ's](#faq's) Dubai comprehensive car insurance is among the top options in the country if you are looking for the [best car insurance Dubai](https://www.policybazaar.ae/car-insurance/articles/top-10-car-insurance-companies-in-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](https://www.policybazaar.ae/insurance-companies/dubai-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](https://www.policybazaar.ae/car-insurance/) 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 [Personal Accident Cover](https://www.policybazaar.ae/car-insurance/addons-personal-accident-cover/) [Replacement Car Cover](https://www.policybazaar.ae/car-insurance/addons-replacement-car-cover/) [Agency Repair](https://www.policybazaar.ae/car-insurance/addons-agency-repair/) [Return to Invoice Cover](https://www.policybazaar.ae/car-insurance/addons-return-to-invoice-cover-car-insurance/) [Roadside Assistance Cover](https://www.policybazaar.ae/roadside-assistance-in-car-insurance-cover-ciart/) [No Claim Bonus](https://www.policybazaar.ae/no-claim-bonus-ciart/) [Insured Declared Value](https://www.policybazaar.ae/everything-you-need-to-know-about-idv-in-the-uae-ciart/) [Air Bag Protection](https://www.policybazaar.ae/car-insurance/articles/airbag-protection-cover/) [Zero Depreciation Car Insurance](https://www.policybazaar.ae/know-about-zero-depriciation-car-insurance-ciart/) [Passenger Cover With Car Insurance](https://www.policybazaar.ae/passenger-cover-with-car-insurance-ciart/) [Engine Protection Cover](https://www.policybazaar.ae/engine-protection-cover-in-car-insurance-ciart/) [Car Key Replacement Cover.](https://www.policybazaar.ae/car-insurance/addons-car-key-replacement-insurance/) **Also Know -** [Prices of Fuel in Dubai September 2026](https://www.policybazaar.ae/car-insurance/fuel-prices/dubai/) ## 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](https://www.policybazaar.ae/comprehensive-car-insurance-cic/), 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. | Top UAE Comprehensive Car Insurance | | --- | | [GIG Gulf Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/gig-gulf-comprehensive-car-insurance/) | [New India Assurance Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/new-india-assurance-comprehensive-car-insurance/) | | [ADNIC Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/adnic-comprehensive-car-insurance/) | [RAK Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/rak-comprehensive-car-insurance/) | | [Sukoon Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/sukoon-comprehensive-car-insurance/) | [Tokio Marine Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/tokio-marine-comprehensive-car-insurance/) | | [Liva Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/liva-comprehensive-car-insurance/) | [Adamjee Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/adamjee-comprehensive-car-insurance/) | | [Watania Takaful Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/watania-takaful-comprehensive-car-insurance/) | [AFNIC Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/afnic-comprehensive-car-insurance/) | | [Oriental Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/oriental-comprehensive-car-insurance/) | [Al Wathba Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/al-wathba-comprehensive-car-insurance/) | | [Salama Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/salama-comprehensive-car-insurance/) | [Union Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/union-comprehensive-car-insurance/) | | [Abu Dhabi National Takaful Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/abu-dhabi-national-takaful-comprehensive-car-insurance/) | [Orient Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/orient-comprehensive-car-insurance/) | | [DNIR Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/dnir-comprehensive-car-insurance/) | [Watania Takaful Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/watania-takaful-comprehensive-car-insurance/) | | [Al Sagr National Comprehensive Car Insurance](https://www.policybazaar.ae/car-insurance/al-sagr-national-comprehensive-car-insurance/) | | ## 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 [Toyota Car Insurance](https://www.policybazaar.ae/car-insurance/toyota/) [BMW Car Insurance](https://www.policybazaar.ae/car-insurance/bmw/) [Hyundai Car Insurance](https://www.policybazaar.ae/car-insurance/hyundai/) [Nissan Car Insurance](https://www.policybazaar.ae/car-insurance/nissan/) [Jaguar Car Insurance](https://www.policybazaar.ae/car-insurance/jaguar/) [Ford Car Insurance](https://www.policybazaar.ae/car-insurance/ford/) [Kia Car Insurance](https://www.policybazaar.ae/car-insurance/kia/) [Porsche Car Insurance](https://www.policybazaar.ae/car-insurance/porsche/) [Bentley Car Insurance](https://www.policybazaar.ae/car-insurance/bentley/) [Chevrolet Car Insurance](https://www.policybazaar.ae/car-insurance/chevrolet/) [Honda Car Insurance](https://www.policybazaar.ae/car-insurance/honda/) [Volkswagen Car Insurance](https://www.policybazaar.ae/car-insurance/volkswagen/) [Audi Car Insurance](https://www.policybazaar.ae/car-insurance/audi/) [Mitsubishi Car Insurance](https://www.policybazaar.ae/car-insurance/mitsubishi/) [Tesla Car Insurance](https://www.policybazaar.ae/car-insurance/tesla/)