Nissan Car Insurance in UAE

Most Nissan insurance options in Dubai, Abu Dhabi and Sharjah are built around real traffic conditions and the availability of approved repair garages. You can choose comprehensive Nissan auto insurance for wider protection or stick with the basic third-party liability that UAE law requires.

Cost of Nissan Car Insurance in the UAE

The cost of Nissan car insurance in the uae depends on the type of Nissan you drive and the level of protection you choose. Sedans generally cost less to insure than SUVs. 

Nissan Vehicle Type	Type of Insurance	Minimum Premium (AED)
Nissan Sedan	Comprehensive Insurance	1,346
Nissan SUV	Comprehensive Insurance	1,680
Nissan (All Models)	Third-Party Car Insurance	Starts from 630*

*The third-party Nissan auto insurance premium starts from AED 630 as per UAE regulations. However, the final cost may increase as per the Nissan model, vehicle age, insurer pricing, and additional factors.

Best Nissan Car Insurance Plans in the UAE

The table below lists some of the best Nissan car insurance plans in the UAE —

Insurer Name & Plan	Add-Ons Details	Excess Amount (AED)	Third-Party Damage Limit (AED)
Orient Insurance – Comprehensive (Gold Agency)	PA cover for driver & passenger (AED 200,000 each – paid) Roadside assistance (free) Natural calamity cover (free) Replacement car (7 days – paid) Oman cover (paid)	350	Up to AED 3,500,000
Alliance Insurance – Comprehensive (Agency)	PA cover for driver & passenger (free) Roadside assistance (free) Natural calamity cover (free) Replacement car (10 days – paid) Oman cover (own damage only – paid)	350	Up to AED 2 Million
QIC – Prestige Comprehensive (Plus Agency)	PA cover for driver & passenger (free), natural calamity cover (free), replacement car (10 days – free), Oman cover (free), roadside assistance platinum (paid), off-road recovery (paid)	875	Up to AED 3,500,000
QIC – Prestige Comprehensive (Plus Garage)	PA cover for driver & passenger (free) Natural calamity cover (free) Replacement car (10 days – free) Oman cover (free) Roadside assistance platinum (paid) Off-road recovery (paid)	875	Up to AED 3,500,000
Sukoon Insurance – Third Party Liability	PA cover for driver & passenger (free) Roadside assistance (free)	Not applicable	Up to AED 2,000,000
Liva Insurance – Third Party Only	Fire & theft cover (optional)	Not applicable	Up to AED 3,500,000

Types of Nissan Car Insurance Plans

In the UAE, Nissan car insurance is mainly available in two broad categories — 

Comprehensive Nissan Car Insurance

Comprehensive Nissan car insurance provides the highest level of protection. It covers third-party liability along with damage to your own Nissan caused by accidents, theft, fire, and covered natural events. This type of Nissan insurance is commonly chosen for new and mid-value vehicles.

Agency Repair Comprehensive Insurance

• Repairs are carried out at authorised Nissan service centres
• Genuine Nissan parts are used for replacement
• Best suited for new cars or vehicles still under manufacturer warranty
• Usually costs more than garage repair plans

Garage Repair Comprehensive Insurance

• Repairs are done at insurer-approved non-agency garages
• Lower premium compared to agency repair plans
• Suitable for older Nissan cars
• Coverage remains comprehensive despite the lower cost

Third-Party Nissan Car Insurance

Third-party Nissan auto insurance is the minimum cover required by UAE law. It pays for injury or property damage caused to others in an accident where you’re at fault. As this policy does not cover repairs to the insured Nissan, it is a good option for older vehicles with lower market value.

What is Covered Under Nissan Car Insurance in the UAE?

A comprehensive Nissan car insurance plan in the UAE takes care of both legal responsibility and repair costs. 

Situation	What Does the Insurance Cover?
Accident damage to another vehicle or person	Medical costs and repair bills of the third party as required by UAE law
Damage to your Nissan in an accident	Repair or settlement based on the insured value of the car
Major damage or total loss	Full payout if repair costs cross the insurer’s loss threshold
Fire or vehicle explosion	Damage caused by fire, self-ignition, or explosion
Theft or attempted theft	Loss or damage due to theft of the Nissan
Flood or natural events	Protection against flood and other approved natural causes
Repairs at Nissan dealership	Available when agency repair option is selected
Repairs at approved garages	Covered under garage repair plans
Injury to the driver	Personal accident cover for death or permanent disability
Injury to passengers	Personal accident cover for passengers
Breakdown or towing	Roadside assistance within the UAE
Driving to Oman	Coverage extension when the Oman add-on is selected

What is Not Covered in Nissan Motor Insurance?

Even the best Nissan car insurance policy has clear limits. Knowing what is excluded helps you avoid surprises at the time of a claim.

1. Normal wear and tear: Routine ageing of parts, such as tyres, brake pads, clutch plates, or batteries is not covered.
2. Mechanical or electrical breakdown: Failures due to manufacturing defects, poor maintenance, or internal mechanical issues are excluded unless caused by an accident.
3. Driving under the influence: Any accident that occurs while the driver is under the influence of alcohol, drugs, or illegal substances is not covered.
4. Driving without a valid licence: Claims are rejected if the driver does not hold a valid UAE driving licence or an approved international licence.
5. Intentional damage: Damage caused deliberately to the Nissan by the owner or driver is not payable.
6. Use outside permitted purpose: If a private Nissan is used for commercial purposes, such as delivery or ride-hailing without disclosure, claims may be denied.
7. Unapproved modifications: Damage related to undeclared modifications like performance tuning, body kits, or engine changes is excluded.
8. Racing or speed testing: Accidents during racing, track days, or speed testing are not covered.

How to Buy Nissan Car Insurance Online?

Buying Nissan car insurance online no longer means juggling calls, paperwork, or unclear policy wordings. In the UAE, Policybazaar.ae works as a comparison-led platform where you can view multiple insurer plans side by side, check inclusions, excess amounts, and repair options, and make a decision at your own pace. 

Instead of pushing one insurer, Policybazaar.ae focuses on helping you understand what you are buying — whether it’s comprehensive Nissan insurance or third-party cover.

What sets Policybazaar UAE apart is that the experience does not end once you purchase the policy. The platform offers a clearly defined set of additional customer benefits, called PB Advantage. This supports you even after your insurance becomes active. They are value-added services provided exclusively to Policybazaar.ae customers.

1. Discounts on car repairs and servicing through partner garages
2. Free or discounted eco car washes in Dubai and Abu Dhabi
3. Reduced pricing on major and minor car services for saloon and SUV Nissan models
4. Offers on AC repair, diagnostics, and detailing — useful during UAE summers
5. Refund of up to AED 1,000 on the excess amount paid during the first at-fault claim
6. Roadside assistance offers and recovery support through partner services
7. Discounts on hire-a-driver services for short trips
8. Special benefits for EV owners, including portable charging support (where applicable)

Frequently Asked Questions (FAQs)

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