Q1. I want to buy RSA comprehensive car insurance. What documents are required to be submitted?

Ans: If you want to buy RSA comprehensive car insurance, then you need to submit these documents: A copy of the vehicle’s registration Licence of the main driver A copy of the trade licence Tax registration number

Q2. I want to make a claim against my RSA comprehensive car insurance. What is the procedure for the same?

Ans: RSA has a hassle-free and quick claim settlement procedure. Follow these steps for quick claims: Register the claim with RSA by visiting the official website. Also, claims can be made by visiting the branch office to submit all the necessary documents or by calling the customer care number. As soon as the claim is registered, you will get a claim number. The RSA comprehensive car insurance claim team will get in touch and will guide you through the next steps.

Q3. Can I buy any add-on services to my existing RSA comprehensive car insurance policy?

Ans: Yes, it is possible to add extra covers to the existing policy. Some of the policies offered are: Personal accident cover for the driver Agreed value cover Breakdown recovery Option of agency repairs No claim discounts Temporary hire for a car

RSA Comprehensive Car Insurance

Q: Q4. How will I get the claim against my RSA comprehensive car insurance?

Ans: Once the claim has been settled, a team member will contact you to either collect the cheque or arrange a bank transfer. The money transfer will only be made to the registered owner of the insured vehicle.

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Written By

Nupur JainSenior Content Writer (Expertise - Motor Insurance)

Reviewed By

Toshita Chauhan BalochiChief Business Officer – General Insurance @ Policybazaar.ae

Last updated on 11 March 2025Editorial Standards

Best Comprehensive Car Insurance In UAE

Choose Cheap & Best Comprehensive Car Insurance in UAE

*Above mentioned prices are for Honda City EX 1.5L, 2022 model.

Table of Content

RSA Comprehensive Car Insurance Vs Third Party Car Insurance
List of RSA Comprehensive Car Insurance Plans
Benefits of Buying Comprehensive Car Insurance From RSA
Major Inclusions of RSA Comprehensive Car Insurance
Major Exclusions of RSA Comprehensive Car Insurance
FAQ's

RSA or Royal Sun Alliance Insurance Company is one of the more popular insurance providers in the UAE and offers unmatched services to customers. With more than 60 years of experience, RSA offers car, travel, and home insurance, amongst others.

Notably, RSA offers RSA comprehensive car insurance and RSA third party liability insurance. Policyholders can avail benefits like no claims bonus, 99.46% claim settlement ratio, Oman coverage, and plenty of add-on covers.

Looking to buy RSA comprehensive car insurance? Read ahead to know more about it.

RSA Comprehensive Car Insurance Vs Third Party Car Insurance

In the UAE, it is a prerequisite for all vehicles to have a basic third party plan. The choice of insurance depends on the age of the vehicle, the vehicle’s monetary value, and the policyholder’s budget.

RSA Motor Value is the basic third party insurance plan, while Motor Smart and Motor Executive are RSA comprehensive car insurances.

Let us evaluate the difference between the three:

Features	Motor Value (Third Party Insurance)	Motor Smart (Comprehensive Car Insurance)	Motor Executive (Comprehensive Car Insurance)
Third party bodily injury	Covered	Covered	Covered
Third party property damage	Covered up to AED 3.5 million	Covered up to AED 3.5 million	Covered up to AED 5 million
Damage to insured vehicle	Not covered	Covered	Covered
Personal accident cover for driver	Optional, up to AED 200,000	Optional, up to AED 200,000	Covered, up to AED 200,000
Personal accident cover for passengers	Yes	Covered up to AED 200,000	Covered up to AED 200,000
Oman cover	Covered	Covered	Covered
No claim discount	Covered	Covered	Covered
Emergency medical repairs	Not covered	Covered up to AED 3,500	Covered up to AED 6,000
Emergency repairs	Not covered	Covered up to AED 1,000	Covered up to AED 1,000
New replacement vehicle	Not covered	Covered	Covered
Off road driving coverage	Not covered	Covered	Covered
Windscreen coverage	Not covered	Covered	Covered
Agency repairs	No	Optional	Yes
Breakdown recovery	Optional	Optional	Yes
Third party liability for passengers or family	Not covered	Covered	Covered

List of RSA Comprehensive Car Insurance Plans

RSA comprehensive car insurance is of two types - Motor Smart and Motor Executive. Motor Smart is cheaper in comparison to Motor Executive and offers less coverage as well.

	Features	Accident covers
RSA Motor Smart	Unlimited third party coverage for bodily damage Coverage for third party property damage up to AED 3.5 million Coverage for damage to the insured vehicle Comprehensive coverage while driving the vehicle in Oman Emergency medical repairs covered up to AED 3,500 Coverage for off road driving and windscreen damage	Optional personal accident cover for the driver up to AED 200,000 Personal accident cover for passengers up to AED 200,000 Agency repair services can be added
RSA Motor Premium	Unlimited third party coverage for bodily damage Coverage for third party property damage up to AED 5 million Coverage for damage to the insured vehicle Comprehensive coverage while driving the vehicle in Oman Emergency medical repairs covered up to AED 6,000 Coverage for off road driving and windscreen damage	Personal accident cover for the driver up to AED 200,000 Personal accident cover for passengers up to AED 200,000 Agency repair services are includ

Benefits of Buying Comprehensive Car Insurance From RSA

RSA comprehensive car insurance comes with a plethora of features and benefits. Some of the key benefits are:

RSA offers a 10% discount if an insurance plan is purchased online, through the official website
RSA comprehensive car insurance includes Oman coverage, which includes third party liability, theft, or fire while driving the insured vehicle in Oman
Document handling via the experienced team at RSA
In case claims are not made against an RSA comprehensive car insurance plan during the policy year, a no claims bonus is offered, which can be availed when renewing the insurance policy for a new year
Round-the-clock expert customer care support that clears doubts or queries
RSA has the highest claim settlement ratio of 99.46%
Comprehensive car insurance from RSA is secure and transparent, with various online modes of payment like credit or debit cards, wallets, or net banking.

Major Inclusions of RSA Comprehensive Car Insurance

If you buy RSA comprehensive car insurance, the policy includes the following covers:

In case of accidents, the policy covers the costs of ambulances
Coverage for third party liability towards property damage, up to AED 5 million for Motor Executive Plan and up to AED 3.5 million for Motos Smart and Motor Value Plan
Unlimited coverage for third party bodily injury
All RSA comprehensive car insurance policies offer Oman coverage
All policies offer no claim discount bonus that can be availed at the time of policy renewal. This bonus is offered if no claims are made and an accident-free record is maintained
Personal accident cover for passengers in the insured vehicle can be added for a maximum amount of AED 200,000

Major Exclusions of RSA Comprehensive Car Insurance

An RSA comprehensive car insurance policy will not compensate for damages or losses incurred under these situations:

If the accident occurs when the insured vehicle is being used for reasons apart from what is specified in the policy
If the insured vehicle is damaged while being driven by a driver who is under the influence of drugs, alcohol, or other narcotic substances
In case of electrical or mechanical failure of automobile parts
Damage to tires is not covered if they are not damaged at the same time as the insured vehicle
If accidents occur when the insured vehicle has been used in a speed race or test

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FAQ's

Ans: If you want to buy RSA comprehensive car insurance, then you need to submit these documents:

A copy of the vehicle’s registration
Licence of the main driver
A copy of the trade licence
Tax registration number

Ans: RSA has a hassle-free and quick claim settlement procedure. Follow these steps for quick claims:

Register the claim with RSA by visiting the official website. Also, claims can be made by visiting the branch office to submit all the necessary documents or by calling the customer care number.
As soon as the claim is registered, you will get a claim number.
The RSA comprehensive car insurance claim team will get in touch and will guide you through the next steps.

Ans: Yes, it is possible to add extra covers to the existing policy. Some of the policies offered are:

Personal accident cover for the driver
Agreed value cover
Breakdown recovery
Option of agency repairs
No claim discounts
Temporary hire for a car

Ans: Once the claim has been settled, a team member will contact you to either collect the cheque or arrange a bank transfer. The money transfer will only be made to the registered owner of the insured vehicle.

Reviews & Ratings

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(based on 45,327 reviews)

MUDASSIR AMJADDubai, 23 September 2026

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Buying online very convenient Policybazaar.ae saved me from wasting my whole weekend calling or meeting so many insurance companies and getting quotes. Liked how easy it was to enter deets online and finish the purchase. I didn’t have to step out anywhere, and got a pretty comprehensive policy.

MAJED HUSSAIN ALI WAHEEDIDubai, 15 September 2026

★★★★★

Add-ons on what I actually needWhat I liked about this pllatform was I could choose add-ons as per how I actually use my car. Usually insurers pushed all add-ons, even the unnecessary ones. This team did not, and I selected the ones that made sense for me for real. The whole process felt much more comfortable here.

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★★★★★

Found much better ratesTill date car insurance was either low rates or compromised coverage. On this platform I compared many plans and surprisingly found a good plan. Like affordable rates but pretty solid cover too.

AHMAD ZUHIER M R IDRIESAbu Dhabi, 31 August 2026

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Actual support when confusedI was clear that I wanted comprehensive motor insurance, but not sure about what the diff was between add-ons and excess. But thankfully contacted Policybazaar.ae team. I asked a few questions and got satisfactory answers without any pressure to buy.

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