Comprehensive Car Insurance

What Is Comprehensive Car Insurance?

Comprehensive car insurance is one policy that carries two separate covers: own damage and third-party liability.

Own damage means the insurer pays to repair or replace your own vehicle after a covered incident. Under Chapter Two of the Unified Loss and Damage Policy, that includes collision, overturning, fire, explosion, lightning, theft, robbery and deliberate damage by a third party.

Third-party liability pays the people you hurt and the property you damage. The Unified Third Party Liability Policy sets the limits and every insurer in the UAE applies the same ones.

What Happened	Maximum the Insurer Pays
Damage to another person's vehicle or property	AED 2,000,000 per accident, no matter how many people are affected
Death or bodily injury to a third party	The amount the court awards — there is no cap
Death of your spouse, parent or child	AED 200,000 per person
Ambulance and medical transport to hospital	AED 6,770 per injured person
Loss of use for the innocent driver (replacement car)	Up to AED 300 a day, for a maximum of 15 days

How Does Comprehensive Car Insurance Work in the UAE?

Comprehensive car insurance works through the police report. In the UAE, the police decide who caused the accident and your insurer follows that decision. Here is the full sequence. You are on Sheikh Zayed Road. You look down at your phone for two seconds and hit the car in front.

Step	What Happens	What You Need to Do
Step 1: Report it	Police attend or you file through the Dubai Police, Abu Dhabi Police or Sharjah Police app for minor damage with no injuries.	Do not move the cars if anyone is hurt. Photograph both vehicles before anything is towed.
Step 2: Get your slip	Police issue a colour-coded report. Red means you are at fault. Green means the other driver is. White means fault is undecided.	Keep the digital copy. Your garage cannot start work without it.
Step 3: Tell your insurer	You must notify the company as soon as reasonably possible.	Call the claims line the same day or so.
Step 4: Survey	The insurer sends the car to an approved workshop. A surveyor prices the damage.	Ask whether the workshop is an agency or garage before you agree.
Step 5: Repair or write-off	If repair costs pass 50% of the car's pre-accident value, it is a total loss by regulation, not by insurer choice.	Check the insured value on your schedule now — a total loss is settled against that figure.
Step 6: Pay your excess	You pay the fixed deductible on your schedule. The insurer pays the rest.	You pay nothing if a green report proves the other driver caused it.

Now flip it. The other driver hits you and gets a red slip. Your own repair still goes through your comprehensive policy, but you keep your excess and, in most cases, your no-claims discount, because your insurer recovers the money from their insurer.

Who Should Buy Comprehensive Car Insurance?

Buy comprehensive when your car is worth more than the extra premium or when someone else has a financial stake in it. That is the whole test.

Your Situation	Should You Buy Comprehensive?
New car, bought this year	Yes
Car on bank finance	Yes - usually compulsory
Luxury or performance car	Yes
Electric car	Yes
Car over 7 years old, low value	Do the maths
Long daily commute	Yes

How Much Does Comprehensive Car Insurance Cost in the UAE?

Comprehensive car insurance in the UAE runs from about AED 1,300 to AED 5,000 a year for a private car. The floor is fixed by regulation. The ceiling is a percentage of your car's value.

Most drivers do not realise the price is bounded on both sides. The Central Bank publishes the exact numbers.

Vehicle Type	Minimum Premium (13 months)	Maximum Premium
Saloon / sedan	AED 1,300	5% of the vehicle value
Four-wheel drive (SUV)	AED 2,000	7% of the vehicle value
Pickup or van, up to 3 tonnes	AED 1,550	7% of the vehicle value
Truck over 3 tonnes	AED 2,000	9% of the vehicle value
Motorcycle up to 200cc	AED 800	5% of the vehicle value
Motorcycle above 200cc	AED 850	5% of the vehicle value

So a Nissan X-Trail valued at AED 90,000 cannot legally be quoted below AED 2,000 or above AED 6,300 for comprehensive cover.

What Is Deductible or Excess in Comprehensive Car Insurance in UAE?

The deductible, also called the excess, is the fixed amount you pay towards your own repair before the insurer pays the rest. It applies once per accident. In the UAE the deductible is capped by law. Your insurer can charge less than the cap. It cannot charge more.

Your Vehicle's Value	Maximum Deductible Per Accident
Up to AED 50,000	AED 350
AED 50,001 to AED 100,000	AED 700
AED 100,001 to AED 250,000	AED 1,000
Above AED 250,000	AED 1,200
Above AED 500,000	AED 1,400
Private vehicle carrying 10 to 12 passengers	AED 1,500
Private vehicle over 12 passengers or a rental vehicle	AED 1,700

These figures apply to private vehicles seating up to nine people, which covers almost every private car in the country.

Source: https://rulebook.centralbank.ae/en/rulebook/schedule-no-3

Agency Repair vs Non-Agency Repair - Which Should You Choose?

Agency repair sends your car to the brand's authorised dealership. Non-agency repair sends it to a garage in your insurer's approved network. The choice changes both your premium and what happens on claim day.

Parameters	Agency Repair	Non-Agency (Garage) Repair
Where the car is fixed	Manufacturer's authorised workshop	Insurer-approved independent garage
Parts used	Genuine manufacturer parts	Original or equivalent-grade parts
Premium	Roughly higher	The cheaper option
Usually offered for	Cars in the first three years from registration	Any age, most common after year three
Manufacturer warranty	Fully protected	May be affected on newer cars — check first
Best for	New, financed, luxury and low-volume brands	Cars past three to five years and cars out of warranty

Comprehensive Car Insurance Add-ons in UAE

Add-ons are extra covers you buy on top of the standard policy for an additional premium. The Unified Policy calls them riders and it specifically allows insurers to sell them. Some are listed below -

Add-on	What It Does
Agency repair	Send your car to the brand dealership with genuine parts.
Off-road cover	Covers damage away from a public road, including dunes and wadis.
GCC / Oman extension	Extends own-damage cover across the border.
Roadside assistance	Towing, jump-start, flat tyre, fuel delivery, lockout help.
Personal accident cover	Pays the driver and passengers for death or injury, who are excluded from the basic third-party policy.

Best Comprehensive Car Insurance Companies in UAE

Following is a list of the best comprehensive car insurance companies that are available in UAE along with a brief intro to the kinds of comprehensive car insurance(تأمين السيارات) plans offered by them:

Comprehensive Car Insurance Companies	Comprehensive Car Insurance Plans
GIG Gulf Insurance	Motor Prestige Plan Motor Perfect Plan
Watania	Watania Comprehensive Car Insurance Policy
Adamjee Insurance	Comprehensive Car Insurance
DNIRC	DNIR Auto Care Scheme
Liva Insurance	Motor Executive Motor Smart
Watania Takaful	Watania Takaful Comprehensive Car Insurance
Tokio Marine	Tokio Must Tokio Smart Plus Tokio Million Privilege
Salama Insurance	Salama Auto Takaful
Abu Dhabi National Takaful Car Insurance	Comprehensive Motor Takaful Cover
Oriental Insurance	Comprehensive Insurance Plan

Best Comprehensive Car Insurance Plans in UAE

Following is a list of the best comprehensive car insurance plans available in UAE from the top car insurance companies:

Best Comprehensive Car Insurance Plans	Third-Party Property Damage Limit	Emergency Medical Expenses	Off-Road Cover	New Car Replacement	Roadside Assistance
GIG Gulf Motor Prestige	AED 5 million	Yes (AED 6,000)	Yes	24 months	Yes
Tokio Marine Tokio Million Privilege	AED 5 million	Yes (AED 10,000)	Yes	13 months	Yes
GIG Gulf Motor Perfect	AED 3.5 million	Yes (AED 3,500)	Yes	6 months	Yes
Watania Takaful Comprehensive Cover	AED 2 million	Yes (AED 4,000)	Yes	6 months	Yes
Liva Motor Executive	AED 5 million	Yes (AED 6,000)	Yes	12 months	Yes
Salama Auto Takaful	AED 3.5 million	Yes (AED 5,000)	Yes	-	Yes
Tokio Marine Tokio Smart Plus	AED 3.5 million	Yes (AED 4,000)	Yes	6 months	Yes
Liva Motor Smart	AED 3.5 million	Yes (AED 3.500)	Yes	6 months	Yes
DNIR Auto Care Scheme	AED 2 million	Yes (AED 30,000)	Yes	-	Yes
Adamjee Comprehensive Car Insurance	AED 2 million	Yes (AED 5,000)	Yes	-	Yes

Comprehensive Car Insurance VS Third-Party Car Insurance

Covers	Comprehensive	Third-Party
Damage to Own Car due to an Accident	Yes	No
Damage to Own Car due to Fire	Yes	No
Damage to Own Car due to Natural Disaster	Yes	No
Damage to Third-Party Vehicle	Yes	Yes
Damage to Third-Party Property	Yes	Yes
Death/Injuries to a Third-Party person	Yes	Yes
Personal Accident Cover	Yes	Yes
Car Theft	Yes	No
Policy Customization	Yes	No

How to Buy a Comprehensive Car Insurance Policy Online?

Here are a few simple steps that can help you buy a comprehensive car insurance policy online.

1. Visit the Portal: You can visit the insurance provider’s websites individually or go to a marketplace like policybazaar.se to get all the plans listed in one place.
2. Enter Your Details: Enter a few simple details like manufacturing date, make and model number, fuel variant, your name, email, ID and contact number, etc to get all the suitable plans listed on your screen.
3. Choose the plan: Go through different car insurance plans and pick one that best fits your needs.
4. Customize Your Plan: Check the list of add-ons and add your preferred ones to enhance coverage by customizing your insurance plan.
5. Pay the Premium: Once your done buying the plan, customize it according to your needs and pay the premium to buy the policy.

Documents Required to Buy Comprehensive Car Insurance in UAE

Here is the list of documents required to buy a Comprehensive Car Insurance Policy in the UAE.

• Passport with Visa Page
• Copy of Vehicle Registration
• Age Proof
• Address Proof
• Driving License copy
• Emirates ID

How to Compare Comprehensive Motor Insurance Plans Online?

You must compare different comprehensive car insurance policies to find one that best fits your needs. Here is a list of things to keep in mind before choosing comprehensive car insurance plan in the UAE.

• Coverage offered
• Premium amount
• Claim/Renewal process
• Current claim settlement ratio

To find the comprehensive car insurance in UAE, all in one place, you can visit Policybazzar.ae and bypass the need to visit insurance providers’ offices individually. Here, you get quick access to all the plans in just a few simple clicks. All you have to do is just provide a few vehicle details like car manufacturing year, registration date, make and model, cubic capacity, etc. The website will compare all the plans and list the ones that are best suited to your needs.

Documents Required for Car Insurance in UAE

How to Claim Comprehensive Car Insurance?

Follow these simple steps to file a claim.

1. Park Your Car at a Safe Spot – To start with, park your car at a safe spot near the accident scene. Once done, check for any injuries and evaluate the damages.
2. Inform the Police – Once safety is taken care of, call the police. Inform them about the accident in detail. If you are filing the report online, affix photographic evidence of the damages. They will evaluate the scene and issue a green card, red card, or white card to the parties involved. Make sure to get a police report from them to ensure a smooth claim process.
3. Get in Touch with the Insurer - Whether online or offline, get in touch with your car insurance provider and report a claim against your comprehensive car insurance policy.
4. Fill in the Claim Form – Complete the claim form and attach all the necessary documents. This includes a police report, photographic evidence, policy number, driving licence, Emirates ID, Mulkiya, and more.
5. Get Your Vehicle Inspected – Take your car to any of the authorised garages in your provider’s network. There, a representative will review the damages and will give an estimated cost.
6. Get Your Car Repaired – The provider will review the costs and approve the claims accordingly. Once you get the approval, your vehicle will be repaired.
7. Take the Repaired Vehicle Home – After your car is repaired, you will be notified about the same. You can pick it up and drive it back home.

How to File Your Car Insurance Claim in the UAE

How to Renew Comprehensive Car Insurance in the UAE?

To keep enjoying the insurance benefits, you must renew your car insurance policy on time. You can follow these simple steps to renew your comprehensive car insurance policy.

1. Visit the Online Portal: Visit the official website of your comprehensive car insurance provider in the UAE
2. Provide Your Policy Details: To renew your policy, provide the details like policy number, type of policy, etc.
3. Check the New Add-One: Check if you want to add some add-ons to your policy and make it more suitable to your insurance needs.
4. Pay Your Premium: Once done, pay your premium to renew the policy. You can pay your premium using your online banking or a credit/debit card.
5. Check the Policy Status: Check if your policy has been renewed. Many insurers provide instant renewal benefits based on the type of policy you purchase.

You can also visit the insurance providers office; pay the premium if you want to get an offline policy renewal done.

Frequently Asked Questions

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