- Sukoon Comprehensive Car Insurance Vs Third-Party Car Insurance - Comparison
- List of Sukoon Comprehensive Car Insurance Plans in UAE
- Benefits of Buying Comprehensive Car Insurance from Sukoon in UAE, Dubai
- Sukoon Comprehensive Car Insurance - Inclusions
- Sukoon Comprehensive Car Insurance - Exclusions
- FAQs
Sukoon Comprehensive Car Insurance


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Nupur Jain
Senior Content Writer (Expertise - Motor Insurance)
Nupur Jain is a Senior Writer at Policybazaar.ae with 4+ years of experience in the insurance industry. She specialises in car insurance and has built strong expertise in the UAE auto insurance industry by closely covering policy features, coverage options, premiums, renewals, claims, insurer offerings and vehicle ownership-related matters. Over the years, she has created 2000+ high-impact articles and covered 1000+ motor insurance topics, helping readers understand complex insurance jargons in a simpler and more practical way. Her work is focused on helping people compare options wisely, understand what truly matters in a policy and make more confident car insurance decisions based on their needs, budget and lifestyle in the UAE.


Toshita Chauhan Balochi
Chief Business Officer – General Insurance @ Policybazaar.ae
Toshita Chauhan Balochi has strong experience in the insurance and digital business space. At Policybazaar.ae, she works on making general insurance easier and more customer-friendly for people in the UAE. Her focus is on building simple, useful and transparent insurance journeys across motor, health and travel insurance products. She brings a clear business vision, strong industry understanding and a customer-first approach to the brand.
Top UAE Comprehensive Car Insurance
Choose Cheap & Best Comprehensive Car Insurance in UAE
- Comprehensive
Oman Insurance is now Sukoon Insurance, aptly named, as it aims to provide ‘sukoon’ or peace of mind to their customers. With over 47 years of experience in the insurance industry, Sukoon Insurance is one of the most trusted providers in the UAE. With quick and effortless claim settlements, an efficient customer support team, and innovative online solutions, Sukoon insurance puts their customers first.
Sukoon comprehensive car insurance covers damages to the insured vehicle as well as third party liability, and is apt for people with new and expensive vehicles. On the other hand, third party car insurance provides cover for third party damages only.
Sukoon Comprehensive Car Insurance Vs Third-Party Car Insurance - Comparison
Sukoon Insurance offers both comprehensive car insurance as well as third party car insurance, depending on the age and the monetary value of the vehicle, as well as the budget.
Sukoon comprehensive car insurance provides coverage for accidents incurred to the insured vehicle along with damages caused to third parties. Third party car insurance provides coverage only for damages caused to third parties, and is a prerequisite for all vehicles in the UAE.
Confused between the two? Let us look at some comparisons.
| Features | Sukoon Comprehensive Car Insurance | Sukoon Third Party Car Insurance |
|---|---|---|
| Coverage for third party property damage | Up to AED 3.5 million | Up to AED 3.5 million |
| Coverage for third party bodily damage | As set by the court | As set by the court |
| Coverage for damages to the insured vehicle | Up to value of the car | Not covered |
| Coverage for agency repairs i.e. repair of the insured vehicle at the authorised dealership | 3 years | Not covered |
| Emergency medical expensed | AED 5,000 | Not covered |
| Round the clock roadside assistance in case of vehicle breakdown, accidents, or running out of gas | Covered | Not covered |
| Coverage for loss of personal belongings | Covered up to AED 5,000 | Not covered |
| No claims discount that can be availed in the next policy year | Covered | Not covered |
| Coverage for damages caused due to natural disasters | Covered | Not covered |
| Coverage for valet parking damages | Covered | Not covered |
| Excessive waiver for windscreen damage | Up to AED 3,000 | Not covered |
| Coverage if insured vehicle is driven off road | Covered | Not covered |
| Personal accident cover for the driver | Up to AED 200,000 | Up to AED 200,000 |
| Personal accident cover for passengers | Up to AED 200,000 | Up to AED 200,000 |
List of Sukoon Comprehensive Car Insurance Plans in UAE
Sukoon comprehensive car insurance has many features, making it very popular among vehicle owners in the UAE. The features of this policy are:
| Sukoon Comprehensive Car Insurance | Features | Add-on covers |
|---|---|---|
|
|
Car Insurance Addons
Benefits of Buying Comprehensive Car Insurance from Sukoon in UAE, Dubai
There are many benefits associated with the Sukoon comprehensive car insurance in Dubai, UAE. Policyholders of this insurance can enjoy these benefits:
- Policyholders or new customers can get an instant 10% discount when they purchase the insurance online
- Customers can choose to get their vehicle repaired at either agency garages or Sukoon’s reputed list of premium garages. Customers who choose agency repairs can get their vehicle repaired at the authorised dealership.
- Comprehensive car insurance from Sukoon is affordable and value for money, offering many add-ons to the policyholder.
- The claim settlement procedure is automated and contactless. Customers will get an SMS tracking number that they can use for real time updates.
- Round the clock emergency roadside assistance if the vehicle is rendered immobile or runs out of fuel.
- Off road coverage for SUVs with 4WD.
Sukoon Comprehensive Car Insurance - Inclusions
Sukoon Comprehensive Car Insurance policy will cover the policyholders from damages and accidents in these situations:
- Any accidents or damages occurring due to natural calamities like storms, floods, or earthquakes.
- Any accidents or damages caused to the insured vehicle due to valet parking.
- Any damages occurring to third party property.
- Any bodily injuries or death caused to a third party.
- Rent a car benefit if the insured vehicle is in the garage for repairs.
- Any damages or accidents occurring to the insured vehicle while being driven in Oman as well as the UAE.
- Coverage for off road driving.
Sukoon Comprehensive Car Insurance - Exclusions
Sukoon comprehensive car insurance does not compensate the policyholder if accidents or damages are caused under these situations:
- If the insured vehicle is damaged or any bodily injury is caused due to participation in criminal activities or violation of law.
- Any accidents or damages that occur to the insured vehicle while it is being driven by the driver who is under the influence of drugs, alcohol, or narcotic substances.
- Any accidents or damages that occur to the insured vehicle while it is being driven by a driver who does not have a valid driving licence
FAQs
Q1. Will my Sukoon comprehensive car insurance cover accidents caused in Oman?
Ans: Yes, if you have comprehensive car insurance from Sukoon, you will be covered for accidents and damages caused to third parties as well as the insured vehicle in both Oman and the UAE.
Q2. I have made a claim under my Sukoon comprehensive car insurance policy. Can my claim be rejected under any grounds?
Ans: Yes, there are some situations under which claims made under the Sukoon comprehensive car insurance policy can be rejected.
Some of these situations are:
- If the driver was under the influence of drugs or alcohol.
- If the vehicle was being driven outside the geographical limits.
- If the driver does not have a valid driving licence.
- If the vehicle was being used for criminal activities or illegal purposes.
These are just some of the reasons. Read the policy document carefully for clarity.
Q3. My vehicle was in an accident when my friend was driving it. Does the insurance cover it?
Ans: Yes, Sukoon comprehensive car insurance will cover the damages as long as the driver driving the insured vehicle has a valid driving licence, and is legally allowed to drive in the UAE.
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