GAC Car Insurance in the UAE

This is where GAC car insurance in UAE comes into the picture.

For many owners, buying insurance feels like a routine task. Pick a plan, pay the premium, move on. But GAC vehicles don’t always fit neatly into assumptions made for older or more common brands. Repair options, usage patterns, and even claim expectations can differ — that’s why insurance deserves a closer look.

GAC Models, Variants, and Engine Specifications in the UAE

Before moving on to GAC vehicle insurance in UAE, let’s take a look at some of its top models in the country — 

Model	Category	Engine / Power	Transmission	Notes	Seating
GAC GS3 Emzoom	Compact SUV	Approx. 1.5 L turbo, ~174 hp, 270 Nm torque	Automatic / CVT	Efficient city SUV with good fuel economy and practical size	5
GAC GS8	Mid-Size SUV	2.0 L turbo, ~248 hp, 400 Nm torque	8-speed automatic	Larger SUV with strong performance and family comfort	7
GAC M8	MPV / People Mover	2.0 L turbo, ~248 hp, 400 Nm torque	Automatic	Spacious MPV built for comfort with family-oriented features	7
GAC EMKOO	SUV	1.5 L turbo / 2.0 L hybrid, ~177 hp	Automatic	Modern SUV with optional hybrid efficiency	5
GAC Empow	Sedan / Coupe-like	~168 hp, 270 Nm torque	Automatic	Sportier sedan with balanced performance	5
GAC GA4	Compact Sedan	~1.5 L petrol (varies)	Automatic	Budget-friendly compact sedan for everyday use	5

What These Specs Mean for You

• Power and performance: Larger engines (like the 2.0 L in GS8 and M8) deliver stronger acceleration and better highway cruising. This is ideal for daily long drives or family trips.
• Fuel economy: Smaller engines like those in the GS3 and Empow tend to be more efficient for city driving.
• Comfort and space: The M8’s 7-seat layout and advanced cabin tech make it great for families or group travel.
• Hybrid options: EMKOO offers an efficient hybrid choice for environmentally conscious drivers.

Types of GAC Car Insurance in UAE

When buying GAC car insurance in UAE, you usually choose between two options. Both are legal, but they serve very different needs —

GAC Comprehensive Insurance in UAE

This option, offering the widest protection, covers —

• Damage to your own GAC car
• Third-party injury and property damage
• Fire and theft

Owners commonly choose GAC comprehensive insurance in UAE when —

• The car is new or still valuable
• It’s driven regularly
• Repair costs would be difficult to manage out of pocket

Third-Party GAC Car Insurance

This is the minimum cover required by law. It —

• Covers damage or injury caused to others
• Does not cover damage to your own car

This option may work when —

• The car is older
• Usage is limited
• You’re comfortable paying for your own repairs

Quick Tip! Third-party insurance keeps you legal. Comprehensive insurance keeps you protected.

Best GAC Car Insurance Policies in the UAE

Find below some of the top GAC car insurance policies in the UAE — 

Insurer	Policy Type	Key Inclusions	Excess (AED)
Sukoon Insurance	Comprehensive (Gold – Agency Repair)	Driver & passenger cover, roadside assistance, natural calamities, Oman cover	1,000
GIG Gulf	Comprehensive (Agency Repair)	Roadside assistance, driver & passenger cover, natural perils, optional hire car	1,000
Alliance Insurance	Comprehensive (Agency Repair)	Driver & passenger cover, roadside assistance, natural calamities	750
Qatar Insurance Company	Third-Party Liability	Third-party damage up to AED 2 million, driver & passenger cover	N/A
Tokio Marine	Third-Party Only	Third-party cover up to AED 2 million, driver & passenger cover, roadside assistance	N/A
RAK Insurance	Third-Party Only	Third-party cover, driver & passenger cover, roadside assistance	N/A

Disclaimer: The insurance plans and details listed above are for general reference only.

What is Covered & Not Covered in GAC Car Insurance in the UAE?

Coverage Area	Comprehensive GAC Insurance	Third-Party GAC Insurance
Damage to Your Own GAC Car	✔ Covered in case of accidents	✘ Not covered
Damage to Another Vehicle or Property	✔ Covered	✔ Covered
Injury to Third Parties	✔ Covered	✔ Covered
Fire Damage	✔ Covered	✘ Not covered
Theft of Vehicle	✔ Covered	✘ Not covered
Natural Calamities (Floods, Storms)*	✔ Covered / Optional	✘ Not covered
Roadside Assistance*	✔ Covered / Optional	✘ Not covered
Repair at Approved / Authorised Garage	✔ Covered	✘ Not applicable
Personal Accident Cover (Driver/Passengers)*	✔ Covered / Optional	✔ Limited cover (varies by insurer)
Oman Extension*	✔ Optional	✔ Optional

What Is Usually Not Covered Under Both Policies

Exclusion	Explanation
Wear and Tear	Ageing of parts or routine maintenance issues
Mechanical or Electrical Failures	Issues not caused by an accident
Driving Under Influence	Claims rejected if alcohol or illegal substances are involved
Undeclared Commercial Use	Business use not mentioned in the policy
Unlicensed or Unauthorised Driver	Driver must be legally permitted to drive
Delayed Accident Reporting	Late police reports can affect claim approval

Important Notes for GAC Owners

1. Items marked with ‘*’ may vary by insurer and plan.
2. Coverage terms depend on vehicle value, usage, and insurer underwriting.
3. Always review policy wording before buying GAC car insurance in UAE.

Buy Chinese Car Insurance in UAE

Cost of GAC Car Insurance in the UAE

The cost of GAC car insurance in UAE depends on the model, body type, usage, and the level of cover you choose. There isn’t one fixed price, but the ranges below give a realistic idea of what most GAC owners can expect.

Approximate Insurance Costs for GAC Cars

Vehicle Type	Type of Insurance	Indicative Cost Range
Sedan	Comprehensive	Starting from AED 1,900
SUV	Comprehensive	Starting from AED 1,600
Sedan / SUV	Third-Party Liability	Starting from AED 630

What You Should Keep in Mind

1. Comprehensive insurance costs vary based on vehicle value, repair option (agency or non-agency), and driver profile.
2. Third-party insurance is the most affordable option, but offers limited protection. While it generally starts from AED 630*, the premium can increase depending on the GAC model, engine size, and insurer terms.
3. SUVs and higher-value models may sometimes cost more to insure than sedans, even within the same brand.

Disclaimer: The insurance costs above are indicative and for general reference only. Actual premiums for GAC car insurance in the UAE may vary based on the vehicle model, age, insured declared value (IDV), usage type, driver profile, claims history, repair option selected, and insurer underwriting policies at the time of purchase. 

Why Many GAC Owners Prefer Buying Insurance Through Policybazaar.ae? 

Buying GAC motor insurance in UAE is not just about getting a policy document. It’s also about what kind of support and benefits you receive after the purchase. This is where Policybazaar.ae stands out for many GAC owners. Instead of comparing plans without checking or relying only on insurer promises, Policybazaar.ae gives you added, practical benefits through PB Advantage — benefits that are useful even when you don’t make a claim.

What is PB Advantage?

PB Advantage is a set of additional benefits for those who buy car insurance through Policybazaar.ae. These benefits apply across comprehensive and third-party plans (some benefits are plan-specific) and focus on reducing everyday car ownership costs.

Benefit Type	What You Get
Car Repairs	Flat 15%–20% OFF on car repairs at partner garages
Car Servicing	Up to 30% OFF, free diagnostics, and service warranty
Major Car Service	Non-luxury cars serviced at AED 249, luxury at AED 499
Brake Pad Replacement	Discounted pricing for saloon and SUV GAC models
Vehicle Detailing	Interior & exterior detailing packages at fixed rates
Free Car Washes	12 FREE eco-exterior car washes (Dubai & Abu Dhabi)
Pick-Up & Drop	Free pick-up and drop for selected services (Dubai/Abu Dhabi)
Hire a Driver	50% OFF on driver services (limited trips)

FAQs: GAC Car Insurance in the UAE