Dubai Insurance Company (DIN) is a leading insurance provider in the UAE. Incorporated by His Highness Late Sheikh Rashid Al Maktoum, DIN has consistently provided exceptional insurance products and services since its inception. ...read more
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.
Dubai Insurance Comprehensive Car Insurance vs Dubai Insurance Third-Party Car Insurance
Have a look at the table next to understand the differences between third-party and comprehensive car insurance plans of DIN -
Dubai Third-Party Car Insurance
Dubai Comprehensive Car Insurance
It is relatively affordable and easily obtainable for most people
It can be costly as it covers both third-party and insured party’s liabilities
If your vehicle is damaged in an accident, you won't get coverage for your own vehicle expenses
This insurance plan covers your own vehicle as well as third-party liabilities
Not many options for personalisation are available
Several customisation options are available via add-ons
Benefits of Dubai Insurance Comprehensive Car Insurance
Listed below are the benefits of the comprehensive car insurance plan offered by DIN -
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 Dubai Insurance 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.
Dubai Insurance Comprehensive Car Insurance Inclusions
Given below are the inclusions of car insurance Dubai by DIN -
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
Dubai Insurance 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
Dubai Insurance Comprehensive Car Insurance Add-ons
With the comprehensive insurance plan of DIN, you can include the following additional covers -
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.
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.
Highly SatisfiedI'm very pleased with my car insurance provider. From the easy buying process to the quick claim handling, everything has been great. The coverage is solid, and I feel confident knowing that I'm protected. I would recommend it to anyone looking for something reliable and simple.
MOTASEM ALHAJEBDubai, July 6, 2025
★★★★★
Easy Car Insuarnce Purchase ExperiencePurchasing car insurance was simple and quick. The website is user-friendly, I could easily compare different plans, and the team gave me all the info I needed. Signing up was fast, and I felt good about my choice. Definitely a smooth experience!
Reshin Thattantavida PuthiyaveettilDubai, July 5, 2025
★★★★★
Smooth Claim ProcessI had to file a claim for my car recently, and it was much easier than I thought. The team was very friendly and explained everything clearly. My claim was processed quickly, and I received the payout as promised. Very happy with how it went!
Christian NwosuJune 21, 2025
★★★★★
Clear Info Provided I recently purchased car insurance in Dubai, and the experience was fantastic! The process was quick, with clear policy details and excellent customer support. They gave info like competitive rates and a wide network of garages. This helps in making repairs easy. Overall, I am extremely satisfied.
Rajesh Peripadath MenonAbu Dhabi, June 19, 2025
★★★★★
Reliable Coverage My car broke down on Sheikh Zayed Road and having 24/7 roadside assistance helped me a lot. I also got compensation for the repairs. There was no delay. I felt relieved.
Ramayya AslamDubai, June 18, 2025
★★★★★
Smooth Claim ProcessI had to make a car insurance claim in UAE recently, and it was pretty smooth overall. The tracking was easy, and the support team was very helpful. My claim got approved fast,the service was good, and having someone assist through the process made it way less stressful.
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