DIC Car Insurance
Dubai Insurance Company (DIC) provides trustworthy car insurance solutions that keep you and your vehicle financially protected on the road. With various options available, you get the flexibility to choose a policy as per your requirements. The insurance company is committed to providing excellent ...read more
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Some of the best and the cheapest Car Insurance quotes are:
*Above mentioned prices are for Honda City EX 1.5L, 2022 model.
What is DIC Car Insurance?
DIC car insurance covers you while you’re on the road. In case of an accident, it covers third-party liabilities and even your own-vehicle damages (if applicable). Dubai Insurance Company (DIC) is recognised for offering some of the best insurance solutions in Dubai and throughout the UAE. No matter where you are driving, car insurance from Dubai Insurance keeps you and your vehicle financially secure on the road.
Types of Dubins Car Insurance
DIC offers two main types of car insurance in Dubai: third-party liability and comprehensive insurance.
- Third-party liability insurance ensures that if you cause a car accident, any third-party damage, legal liabilities, or bodily injury will be covered. Please note that your insured vehicle is not covered under this policy.
- Another policy is comprehensive motor insurance. Extending beyond third-party coverage, it also covers your insured vehicle against damage (due to collision or fire), injuries of passengers and drivers, and theft.
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Features & Benefits of DIC Car Insurance
Here is an overview of the key features and benefits of DIC motor insurance based on types —
| Benefits | Third-Party | Gold (Comprehensive) | Platinum (Comprehensive) |
|---|---|---|---|
| Loss or Damage to the Insured Vehicle | Not Included | Included | Included |
| Third-Party Bodily Injury (As Per Law) | Included | Included | Included |
| Third-Party Property Damage (up to AED 2,000,000) | Included | Included | Included |
| Personal Accident Cover for Passengers | Included | Included | Included |
| Personal Accident Cover for Driver | - | Optional (up to AED 200,000) | Included |
| Mechanical Breakdown or Accident Towing Service | - | Included | Included |
| Rent a Car Cover (up to 15 days) | Not Included | Included | Included |
| Off-road Cover (subject to an additional excess of AED 1,500) | Not Included | Included | Included |
| Window Glass and Sunroof Damage | Not Included | Not Included | Included |
| Lock Replacement | Not Included | Included (up to AED 1,000) | Included (up to AED 2,500) |
| Loss of Personal Effects, Clothing, and Valuable | Not Included | Included (up to AED 1,000) | Included (up to AED 1,000) |
| Roadside Assistance | - | Included | Included |
| Agency Repair for the First 2 Years of a Brand-new Car | Not Included | Included | Included |
| Road Accident Emergency Medical Expenses | Not Included | Included (up to AED 2,500) | Included (up to AED 5,000) |
| Natural Perils Cover | Not Included | Included | Included |
| Damage due to Riots, Civil Commotion, and Strike | Not Included | Included | Included |
| Baby Capsules and Child Seat Cover | Not Included | Not Included | Included (up to AED 500) |
| Onsite Battery Replacement Service | Not Included | Included | Included |
| Lockout Service | Not Included | Included | Included |
| Fuel Delivery Service | Not Included | Included | Included |
| Battery Boosting Service | Not Included | Included | Included |
| Claim Transportation Cost | Not Included | Not Included | Included (up to AED 100) |
| National Ambulance Expenses | Included (up to AED 6,770) | Included | Included |
| Windscreen Damage | Not Included | Included (up to AED 3,000) | Included (up to AED 5,000) |
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How to File Dubins Motor Insurance Claim
Filing a DIC car insurance claim is not a challenging task. In case of an accident, you need to —
- Inform the police about the accident and get a police report.
- Once you inform the police and get the report, immediately report the incident to the insurance company and submit the required documents. You can submit a claim via —
- Phone - 800 DUBINS (382467)
- Email - customerservice@dubins.ae
- Online via online portal
Here are the documents required when filing a Dubins car insurance claim —
- Police report
- Proof of damage (images and videos)
- Driver’s licence (both sides)
- Mulkiya (both sides)
- Emirates ID of the vehicle owner (both sides)
Important Articles Related DIC Car Insurance |
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|---|---|
| DIC Car Insurance Reviews | DIC Car Insurance claim |
Frequently Asked Questions
Is it possible that the company can deny you a car insurance policy?
Yes, if you have black points against your driving licence or fines in your records, DIC can deny you a policy.
What are the types of Dubai Motor Insurance in Dubai?
DIC offers two types of motor insurance policies — third-party and comprehensive plans. The former covers only third-party liabilities, while the latter also covers own vehicle damages.
Does DIC car insurance cover your vehicle in the Sultanate of Oman?
No, DIC motor insurance does not cover your vehicle in Oman. You would need to buy a separate policy from DIN or at the Oman-UAE borders.
AHMED OSAMADubai, 10 January 2026
★★★★★
Get Car Insurance Plans in One Go!I buy car insurance from Policybazaar.ae. Website easy and many options show. I talk to executive and he explain slowly, very good. I choose comprehensive plan with flood cover. Policy receive same day. Happy with service, no tension.
Mohammad Zouhair TabcheDubai, 4 January 2026
★★★★★
Best Car Insurance PlansI was assisted by Policybazaar.ae advisor Shaikh Mansoor Ali (BE07520). He patiently explained the difference between agency repair and non-agency repair. He didn’t push any plan and gave honest suggestions based on my car value. Because of his guidance, I chose the right comprehensive motor insurance. Good support and professional service.
Ahmad AbbasDubai, 31 December 2025
★★★★★
Policybazaar.ae is a SaviourI had a minor accident on Sheikh Zayed Road and needed to file a claim. I bought my policy through Policybazaar.ae earlier this year. Their team guided me on the claim steps and documents required. The process was not stressful and I got updates on time. For someone like me who doesn’t understand insurance much, this was very helpful.
Michelle Robles SignarDubai, 27 December 2025
★★★★★
Flood Coverage with Policybazaar.aeAfter the heavy rains in Dubai last year, I realised how important flood coverage is. Policybazaar.ae clearly showed which car insurance plans included flood and water damage and which ones didn’t. I spoke to the advisor and he explained everything in simple words. I now feel more secure knowing my car is protected during unexpected weather.
Shaiju HassanDubai, 23 December 2025
★★★★★
Smooth Comparison ExperienceI compared car insurance on Policybazaar.ae because I was confused between third-party and comprehensive plans. The website was easy to use and showed clear options from different insurers. I could see what was included and what was not, which helped me decide quickly. Bought my policy in one go without any follow-ups. Overall, a very smooth experience.
Moyeen AlamDubai, 19 December 2025
★★★★★
Buying Car Insurance UAE While Short on TimeWith limited time to research, I needed a quick way to finalise car insurance in the UAE. Policybazaar.ae showed relevant options without confusing details or hard selling. I could compare insurers, finalise my motor insurance policy in Dubai and complete payment smoothly. Having PB Advantage access later helped when I needed more services, which made the process feel complete.
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