Online Car Insurance in Dubai, UAE | Compare Car Insurance Quotes

What is Car Insurance?

Car insurance in Dubai is a kind of motor insurance that financially secures the vehicle, passengers and the driver in case of an accident. It is a cheap car insurance that offers financial coverage against events like fire, accidents, theft, and third-party liabilities. You can get maximum coverage for your vehicle by paying an affordable premium.

Top Plans for Car Insurance in Dubai

Some of the best and the cheapest car insurance quotes in Dubai are:

Sukoon Insurance (Previously Oman Insurance)

Plan Name

Sukoon Comprehensive (Gold Garage)

Starting from

AED 3,780/year

Blood money

Third Party Damage Limit

Third Party Liability

Tokio Marine

Plan Name

Tokio Marine Comprehensive (Garage)

Starting from

AED 2,089.5/year

Third Party Damage Limit

Blood money

Damage to Insured vehicle

Qatar Insurance

Plan Name

QIC Prestige Comprehensive (Plus Garage)

Starting from

AED 1,890/year

Third Party Damage Limit

Third Party Liability

Damage to Insured vehicle

Dubai National Insurance

Plan Name

DNI Comprehensive (Premium Garage)

Starting from

AED 1,785/year

Third Party Damage Limit

Third Party Liability

Blood money

Orient Insurance

Plan Name

Orient Insurance Comprehensive (Silver Garage)

Starting from

AED 1,727.25/year

Third Party Damage Limit

Third Party Liability

Damage to Insured vehicle

*Above mentioned prices are for Honda City EX 1.5L, 2017 model.

Key Features of Car Insurance Dubai

Key Features	Insurance Benefits Offered
Third-Party Cover	Mandatory, Up to AED 200,000 on Accident Benefits
Car Insurance UAE Coverage	Up to AED 200,000.
Minimum Premium	Begin at AED 630*.
Car Insurance Dubai Claim Application Process for Claim	Policybazaar UAE Portal & Insurer Portals
Car Insurance Dubai Claim Assistance	Yes
Savings	Up to 30% Safe Driver Discount*
Car Insurance Dubai Add-ons Covers	Driver Cover, Passenger Cover, Natural Calamities, Replacement Of Vehicle, Roadside Assistance, Oman Cover
Buy/Renew Process	Online
Policy Tenure	Valid for (12+1) 13 months, including 1 month of grace period
Regulator	Central Bank of the UAE
Factors Affecting Car Insurance Premium in Dubai	Driver’s Age, Driving History, Type of Car, Vehicle’s Age and Condition, Claims History, and Add-ons

Why Should You Buy Car Insurance Dubai Through Policybazaar.ae?

With Policybazaar.ae, you can unlock a wide range of benefits and effortlessly get your desired car insurance coverage. Here are the key benefits of obtaining motor insurance Dubai online through our digital platform -

Compare Car Insurance

PB Advantage

Instant Issuance

Customer satisfaction

Here are just 4 reasons why:

Compare & buy online car insurance in Dubai from over 35+ RTA-approved car insurance companies in just 30 seconds
Enjoy exclusive PB Advantage perks like 12 free car washes, up to 30% safe driver discount*, and so much more.
Avail of the instant policy issuance benefit with zero paperwork
Get cheapest car insurance Dubai & the UAE that more than 1.5 million customers trust

Bonus - Take advantage of world-class after-sales service including 24/7 claim assistance

Types of Car Insurance Dubai

There are 2 types of car insurance in Dubai - Third-party insurance and Comprehensive insurance. It is mandatory to have motor insurance in Dubai, in the absence of which you get 4 black points.

Third Party Car Insurance UAE

What it Covers: This is the minimum legal requirement. Third-Party car insurance in Dubai covers damages, injuries, or death that you cause to a third party (other drivers, passengers, pedestrians, or their property) in an accident where you are at fault.

What it DOESN'T Cover: Car Insurance UAE does not cover any damage to your own vehicle or your own injuries.

Best For: Older or lower-value vehicles where the cost of comprehensive insurance might outweigh the car's value.

Comprehensive Car Insurance UAE

What it Covers: This offers broader protection than TPL. It covers Third-Party Liability (the minimum legal requirement), damage to your own vehicle (accidental damage, regardless of who is at fault), and loss or damage due to theft, fire, or vandalism. It often includes coverage for natural disasters (like floods or hail) in the policy terms.

Best For: New, expensive, or financed vehicles where you need full protection for your own asset.

List of Cheapest Car Insurance Plans in Dubai, UAE- 2025

Third-party car insurance is mandatory in Dubai and across the UAE. The most affordable third-party plans start at just AED 630* per annum. However, the premium changes as your requirements change.Note that third-party motor insurance is a basic policy. To get coverage for your vehicle, you need comprehensive insurance. But with so many choices present, deciding which plan works for you overall can be confusing.

To help you out, we have provided a list of the cheapest car insurance in Dubai, UAE.

Insurer Name	Third-Party Price (in AED)	Comprehensive Price (in AED)
Sukoon Insurance	630	1470
RAK Insurance	630	1523
Watania Takaful Insurance	630	1575
Salama Insurance	651	1680
Tokio Marine Insurance	735	1801
GIG Gulf Insurance	738	1523
Alliance Insurance	788	1365

*Above mentioned prices are for Honda City EX 1.5L, 2017 model.

Why Is Car Insurance Mandatory in Dubai?

Driving brings its own set of responsibilities. One of the most important ones is car insurance Dubai, which offers financial protection against legal liabilities from accidents. Note that third-party car insurance is mandatory for driving in Dubai. For better coverage, however, it’s advisable to check comprehensive plans.

Let’s understand why motor insurance is compulsory in Dubai —

It’s the RTA Law – Driving without insurance is illegal. It can lead to serious consequences as per RTA guidelines. In Dubai, you can get 4 black points on your driving licence and face an AED 500 fine. In fact, your vehicle can be impounded. If you keep driving without insurance, your licence can also be suspended.
Financial Protection When You Need it the Most – Even with all precautions, accidents can happen. With a car insurance policy, you don’t have to bear all expenses if something goes wrong. For instance, if you’ve a comprehensive plan and end up injuring a third-party in an accident, you can file a claim. Your insurer can cover the costs related to vehicle repairs, medical bills, legal fees, and compensation to the third party.
Encourages Safer Driving – In a way, insurance also promotes responsible driving. If you keep a clean record and avoid reckless driving, you can enjoy a no-claim bonus. This gets you discounts for every year you don’t file a claim.
Peace of Mind on the Road – Whether you choose third-party or comprehensive insurance, knowing you’re protected brings real peace of mind. You can drive in Dubai with confidence, knowing that you, your loved ones, and others on the road are covered against legal and financial troubles.

UAE Motor Insurance Premium Calculator

You can use a car insurance calculator to get an estimated premium amount. Policybazaar UAE insurance premium calculator is an expertly crafted, online computation tool that helps in determining the estimated auto insurance premiums for your policy.

How to Estimate Dubai Car Insurance Cost?

Let us understand how car insurance costs in Dubai work with this example.

Saheer is a 32-year-old driver based in Dubai who wants to insure his 2022 Nissan Altima worth AED 80,000 with a comprehensive plan. The base premium is around AED 2,000 (2.5%).

Now, after factoring in aspects like his age, driving history, claim history, and location (which is -15%), the premium reduces to AED 1,700. Saheer then decides to include add-ons like roadside assistance and personal accident cover, which cost around AED 550 as per the policy he selected. After adding 5% VAT (that is AED 112.5), the gross annual premium becomes AED 2,362.50.

Factors Affecting Car Insurance Premium in Dubai

Let’s understand the key factors that affect premiums of motor insurance in Dubai —

Driver’s Age – Age matters a lot for premiums. Young drivers, particularly under 25 years of age, might need to pay a higher premium. This is because they are usually considered ‘risky’ drivers due to a lack of experience. On the flip side, if you are an older and experienced driver, you can expect lower premiums.
Driving History – If you have a clean driving record, you will be considered a low-risk driver. This ultimately reduces your car insurance premium as well.
Type of Car – The kind of vehicle you drive also plays a major role in estimating the motor insurance premium. Luxury, high-performance, and sports cars have higher premiums as the vehicles themselves and the parts are more expensive.
Vehicle’s Age and Condition – If you have an older car, the insurance premium is likely to be lower. However, this also depends on the condition in which your vehicle is kept. A well-maintained older car may have a lower premium. But if the car lacks basic safety features and doesn’t meet the standards of the road, the cost will be higher.
Claims History – If you filed multiple claims in the past, the insurance company will see you as a high-risk driver. This will reflect on your premium. On the other hand, if you have no claim history, you get the benefit of a no-claim discount, which reduces your overall premium.
Add-ons – If you include add-ons like personal accident cover, roadside assistance, and more, you can expect higher premiums. For this reason, be careful while selecting add-ons — choose only the relevant ones.

Get Car Insurance Dubai Quotes from Top Leading Motor Insurers

Buy RTA-approved car insurance in Dubai from the leading motor insurers in the UAE on Policybaaar.ae. Take advantage of a transparent application process, right from comparing plans to buying it within a few seconds. Make the most of quick and timely insurance renewal and seasonal offers. Explore the complete list of our partnered car insurance companies below!

Car Insurance Inclusion & Exclusions in Dubai

What is Covered

Third-Party Damage - Covers the repair costs of damages done to someone else’s car by your insured car.

Damage to Insured Vehicle - Covers the repair cost of the damaged insured vehicle

Emergency Medical Expenses - Pays emergency medical costs that you and your passengers incur in case of an accident

Fire & Theft Cover - Offers coverage for vehicle damage in case of fire or theft of your vehicle.

Third-party Liability - Coverage for legal and financial liabilities that arise from third-party injuries or death.

What is not Covered

Driving under the Influence - Causing an accident or harm while driving under the influence of alcohol or drugs.

Vehicle Overloading - more passengers or cargo than allowed

Intentional Damages - Damages or losses caused intentionally are not covered

Involvement in Criminal Activities -No coverage for damage if the vehicle is used in criminal activities or hit-and-run.

Reckless Driving - Reckless driving activities, like street racing or speeding, are not covered

List of Add-ons for Car Insurance Dubai

You can always upgrade your car insurance Dubai by adding riders or add-ons for a nominal additional premium. With car insurance add-ons, you get extra protection for your insured vehicle. Some of the most common riders are –

Personal Accident Cover

Personal accident add-on covers the drivers and passengers in your vehicle. If an accident leads to disability or death, it provides a sum of up to AED 200,000 per person. Just keep in mind that if your vehicle is overloaded at the time of accident, your claim won’t be valid.

Natural Calamities Cover

This add-on covers your car from damage due to natural disasters like floods, earthquakes, sandstorms, and more. After the flood in Dubai in April 2024, this rider has become quite popular. However, if there’s a flood and you drive your car around or park it in waterlogged areas on purpose, you will not be covered. Also, trying to start your vehicle in such areas can damage the engine and lead to claim rejection.

Car Rental Cover

With this rider, you can get a rental car as a replacement till your insured vehicle is under repair. This way, you can travel conveniently while your car is undergoing repairs after an accident.

Roadside Assistance

If your vehicle breaks down in the middle of the road, you can ask for roadside assistance from your insurance provider. Your vehicle will be towed to your nearest authorised garage using the benefit. The services, apart from towing service, include tyre replacement, battery jump start, lock replacement, breakdown recovery, and more.

Oman Extension

Oman is a popular destination for road-trips. After all, it’s quite easy to jump to E44 road in Dubai and reach Hatta border in 1.5-2 hours. With Oman Extension add-on, you can plan your journey even better and extend your own policy’s coverage to Oman!

Choose Cheap Car Insurance Company in UAE - 2025

Here’s a list of cheap car insurance in Dubai and the rest of the UAE with what it has to offer. Before choosing a plan for vehicle insurance in Dubai, make sure that you compare the quotes, check out the coverage options, and premiums. Discover the cheapest car insurance companies now!

Insurance Company	Types of Insurance Plans Offered	Premium
ADNIC Insurance	Gold Cover, Standard Cover,Third Party Liability
GIG Gulf Insurance	Comprehensive Insurance cover, Third-Party Liability Cover
Liva Insurance (Previously RSA Insurance)	Motor Executive (Comprehensive), Motor Smart (Comprehensive), Motor Value (Third-Party)
Sukoon Insurance	Comprehensive Cover, Third-Party Insurance, Privilege Motor Cover (premium covers for luxury cars/vehicles)
Watania Takaful Insurance	Comprehensive Insurance, Third-Party Liability Insurance
Orient Insurance	Comprehensive Plans, Third-Party Liability Plans
Salama Insurance	Comprehensive Plans
Tokio Marine Insurance	Comprehensive Plans
New India Insurance	Third-Party Plans, Comprehensive Plans
RAK Insurance	Comprehensive and Third-Party liability

How to Save Money on Car Insurance Online in Dubai, UAE - 2025

Finding the right motor car insurance plan for your car in the UAE can be a lengthy process. However, there are a few simple tips you can adopt to make sure you choose nothing but the best for your ride. Here's how you can find the best car insurance in UAE :

Evaluate Your Needs: Every driver-owner has a set of unique needs which means that your ideal auto protection plan needs to be customized. So, to get the right Car insurance in Dubai for your car is to evaluate your needs. See what you want your vehicle protection plan to cover and find out whether there is anything special you would like to add. For example, if you take your car on dune safaris often, an off-road cover is a must for you. Make a list of all such unique covers your car requires and then start searching for a plan that can satisfy them all.
Scout Through Providers: Finding the best insurance companies in Dubai or any other emirate is very important. Read vehicle insurance reviews online, talk to your fellow car owners about their auto insurance providers. Choose the one with fair goodwill at the least. Make notes of everything from their plans to the claim settlement process and customer service.
Obtain a Few Quotes: Go ahead and get online motor insurance quotes in Dubai for at least your top 3 plans. Compare these final car insurance quotes for Dubai and find out which insurance plan is the most cost-effective. Comparison of your top options is one of the most important steps to finding the best auto insurance in the UAE.
Research as Per Your Emirate: If you reside in Dubai, concentrate on finding the best insurance companies in Dubai instead of the whole of UAE. This will narrow down your scope of research and make it easier to find providers specific to your area.
Check The CSR: Claim settlement ratio should always be considered before buying an auto protection plan from any particular provider. While you are at it, also find out what kind of claims get rejected or denied the most by the provider. This will give you important insights into the transparency policy of the motor insurance provider as well.
Examine the CoverageEvaluate the coverage of your auto insurance plan well and see if it includes everything you need. Get a few add-ons if necessary and find the best possible comprehensive plan for your car.

How to Compare Car Insurance in Dubai?

With so many options to buy vehicle insurance online in Dubai, it can be difficult to find out which one is the best. While comparing plans is the way to go, it’s hard for many to know where to state. To find the best motor insurance in Dubai that suits your needs, here’s what you have to do —

Make a List of Insurance Companies

Start by shortlisting a few motor insurers. This helps you get a clear picture of the options out there. It also gives you an idea of what to expect in terms of coverage, premiums, services, and more.

Check What’s Covered

When comparing car insurance quotes, take time to look closely at what each policy actually covers. Make sure you understand the coverage for accidents, theft, third-party liabilities, and more.

Don't Overlook Exclusions

It’s easy to focus on what’s covered. However, it’s equally important to know what is not. When comparing UAE motor insurance quotes, carefully review the exclusions to avoid unpleasant surprises. This also helps you pick a policy that truly protects you.

Think About Add-Ons and Riders

Add-ons and riders let you customise your policy for extra protection. Whether you want coverage for off-roading, natural disasters, or personal accidents, these extras can be a great choice.

Look Out for Discounts and Offers

Many vehicle insurance providers give discounts or special deals that can lower your premiums. However, as they are usually available at particular times or occasions, check for these specifically when comparing motor insurance quotes.

Read Customer Reviews

Customer reviews give you a real-world look at how an insurance company performs. Reviews from people who’ve already used their services can help you spot both positive and negative aspects before you buy.

Motor Insurance VS Car Insurance - Explained!

Though motor insurance and car insurance are usually used interchangeably, there is a slight difference between them. Here is a detailed overview of these differences —

Features	Car Insurance	Motor Insurance
Definition	Insurance specifically for personal cars	Insurance for a broader range of motor vehicles – bikes, cars, buses, trucks, and other commercial fleet
Vehicle Type Covered	It covers only private cars	It covers a wider range of both personal and commercial motor vehicles
Legal Use	The term is commonly used in everyday conversations	This is more of a legal and policy documentation term

How to Buy Car Insurance Online in Dubai?

You can easily buy Dubai car insurance on Policybazaar UAE. This is your one-stop portal for a variety of comprehensive and third-party plans. To buy motor insurance from us, follow the steps mentioned below.

Fill out our application form here.
Once done, you will be taken to the quotes page
Here, you can easily compare plans — up to 5 policies at once
After finding the right plan, click on the premium amount tab
Follow the instructions thereon

Choose the Right Car Insurance in Dubai Based on Your Neighbourhood!

While car insurance is mandatory, no plan fits all. Your motor insurance plan requirements can vary as per the area of Dubai you live and drive in, your car’s type, and many other factors. We understand how confusing it can be to decide which type of insurance suits you best. To help you out, we, at Policybazaar.ae, have identified region-specific needs for car insurance in Dubai.

Downtown Dubai - It is undoubtedly among the busiest and most high-traffic regions, with a degree of accident risk. Thus, experts highly recommend comprehensive car insurance. Including add-ons like roadside assistance and car rental benefits can be useful.
Jumeirah & Palm Jumeirah - These neighbourhoods usually have luxury cars and SUVs. Experts, therefore, recommend that you buy comprehensive motor insurance with maximum coverage. To keep the cars from unwelcome surprises, you should add riders like natural disaster cover for holistic protection.
Deira & Bur Dubai - These are older districts of Dubai with a mix of commercial and residential traffic. The range of cars driven and possessed in the region varies from budget-friendly cars to new or mid-range vehicles. Some drivers, therefore, can go for third-party insurance for affordability. For brand new and mid-range cars, comprehensive insurance is recommended.
Dubai Marina & Jumeirah Lake Towers (JLT) - These are two high-traffic areas with dense populations. Thus, to cover unwelcome surprises, experts recommend buying comprehensive auto insurance. It will cover both third-party liabilities (in case of collision) and damage to the own vehicle (in case of accident, theft, or fire).
Arabian Ranches & Al Barsha - These regions are home to family-focused communities with private villas and expensive cars. Thus, experts recommend that you buy comprehensive car insurance in Dubai to protect your car and family alike. You should also include add-ons like personal accident cover and roadside assistance if you travel a lot.

How to Renew Car Insurance in Dubai?

If you bought your current policy of motor insurance Dubai from Policybazaar.ae, the online car insurance renewal process would be smooth. Given below are the steps you need to follow to renew your vehicle insurance in Dubai:

Log in to your account on Policybazaar.ae and go to your user dashboard.
On your dashboard, you will find a car insurance renewal notification (an exclusive PB feature).
You will get two options - continue with the same plan or switch to a new plan. Choose your option.
If you opt to switch to a new plan, you will be directed to the Quotes page, where you can compare and choose the plan that best fits your needs.
After that, you can click on buy now tab.
Follow the instructions thereon.
Once done, make the payment and get your motor insurance policy renewed.

Note – You should renew your motor insurance in Dubai, on time to avoid any penalties. This is also important for renewing your Mulkiya.

What are the Documents Required to Buy or Renew Motor Insurance in Dubai?

Documents required to buy Car Insurance in Dubai	Documents required to Renew Car Insurance in Dubai
A valid driving licence Bank statements Emirates ID (for UAE nationals) Passport and residence visa (for expatriates) Confirmation letter for GCC-specified vehicles	A valid driving licence Passing test certificate Residence visa (for expatriate) Emirates ID No claim bonus certificate (if applicable) Engine number, chassis number, and other details of the car (if required) Previous insurance policy’s number

Top 10 Car Repairing Garages in Dubai with Approximate Repair Costs

Dubai hosts a range of car garages that offer a plethora of repair services. Here are the top 10 car garages in Dubai with approximate repair costs —

Garages	Average Minor Repair Costs	Average Major Repair Costs
AAA Garage	AED 500 to AED 700	AED 2,500 to AED 4,000
Premier Car Care	AED 550 to AED 800	AED 3,000 to AED 4,500
Zdegree	AED 400 to AED 600	AED 2,000 to AED 3,500
Max Garage	AED 500 to AED 750	AED 2,500 to AED 4,200
Fasttrack	AED 400 to AED 600	AED 2,000 to AED 3,200
QuickFit Auto	AED 450 to AED 650	AED 2,200 to AED 3,800
Dynatrade	AED 500 to AED 750	AED 2,800 to AED 4,200
AutoTrust	AED 450 to AED 700	AED 2,200 to AED 3,900
Radiant Car Care	AED 480 to AED 680	AED 2,400 to AED 4,000
Orange Auto	AED 500 to AED 700	AED 2,500 to AED 4,000

Disclaimer- These are estimated costs of major and minor repairs in top 10 car garages. Actual costs may vary as per the extent of damage, your car’s model, specific services required, and more

Car Insurance for Other Emirates

Car Insurance Dubai Guide

Engine Damage and Auto Insurance Cover Guide	Guide to Renew Car Registration in Dubai	Car insurance Cover if my Friend is Driving my Vehicle in Dubai Guide	Guide of Car Insurance Claim in UAE
Guide For New Driver Looking for Car Insurance	Guide for How to Check RTA Vehicle Certificate Status	Guide for Buying Car Insurance for GCC Cars	Guide For Car Insurance in Desert in the UAE
Steps to Deactivate Salik Tag and Cancel Salik Account	Car Insurance Cancelled After Accident – How to Proceed from Here?	Why Car Insurance Rates Are Suddenly the Double in UAE?	How to Transfer Car Insurance from One Person to Another

FAQs on Car Insurance in the UAE

Vehicle insurance in Dubai is legally required and is a financial security against the cost to be incurred due to an accident, theft, or damage to the vehicle and any passenger involved. The law requires at least Third-Party Liability cover so that any victim, in case of an accident, will have some monetary compensation.

In Dubai, motor insurance commonly does not include roadside assistance in its basic, compulsory TPL insurance but is a very popular and recommended add-on for Comprehensive policies.

It provides 24/7 services like towing in case of breakdown or accident, jump-start for a dead battery, changing of flat tire, and emergency fuel delivery.
Many top insurers include it automatically with comprehensive plans

The No Claims Discount or No Claims Bonus under car insurance in Dubai is a discount given by the insurance provider to an insured upon the completion of a policy year with no claims filed against it.

It is applied as a discount on the premium for the next renewal.
The discount percentage grows further with each consecutive year of not filing claims, such as 10% for 1 year, 15% for 2 years, up to a maximum, often 20%, or sometimes higher, depending on the insurer.
The NCB is ordinarily transferable when you change insurer or purchase a new car.

The calculation of your premium includes several factors related to the vehicle and the driver, including:

Insured Declared Value (IDV): The insured declared value includes the current value of your vehicle.
Car Details: These details include the make, model, year of manufacture. The newer or luxury cars cost more.
Driver Profile: This covers the age and driving history of the driver. It also includes the claim history. As per several policies, younger or less experienced drivers pay more.
Coverage Type: The coverage type is also one of the factors that affect the calculation of your insurance premium. Comprehensive policies cost more than Third-Party Liability.
Add-on covers: Additional covers, such as Agency Repair or Zero Depreciation also contribute in increasing the premium amount.
No-Claims Bonus (NCB): With a higher NCB, the premium decreases.

You can check the status of your Dubai car insurance online very easily. You will have to go to these official UAE government channels and input information about your vehicle:

Emirates Vehicle Gate (EVG) Platform: Log in to the portal and check the insurance details of your vehicle.
RTA Website/App: Log on to the RTA website/app and navigate to either the 'Vehicle Status Check' or the renewal section using your chassis number.
Your insurance company’s portal: You can also log in to your insurance company’s portal using your policy number and credentials.
Policybazaar.ae: If you purchased your policy through policybazaar.ae, you can dial 800- 800-001 for assistance or log into your account for more details about your plan.

Here is what you can do to find a cheap car insurance in Dubai while ensuring coverage:

Compare Quotes: Visit multiple insurers’ websites and get insurance premium quotes.
Increase Voluntary Excess/Deductible: You agree to pay more out of pocket - the excess, in return, reduces your annual premium.
Go for Non-Agency Repair: Choosing garages that are approved by your chosen insurer instead of agency repairs, reduces the car insurance premium considerably.
Keep a Clean Record: Maximising your No Claims Discount is the best way to save long-term.
Get TPL for Older Cars: If your car's value is low, Third-Party Liability will be the cheapest option legally.

Insurance pricing is emirate-specific, but there is no general rule that one emirate is always cheaper than others. In fact, the emirate in which a vehicle is registered also plays a major role in the premium price, since it affects perceived risk factors like road density and accident rates. Prices can be very different depending on your specific profile and the company.

Since they use dynamic pricing, the 'cheapest' company changes rather frequently based on your vehicle model and driver profile. It's always best to compare current car insurance quotes from prominent local and international insurers operating in the UAE.

The minimum mandatory coverage in car insurance Dubai (and the entire UAE) is Third-Party Liability (TPL) Insurance. This only covers:

Bodily injury or death to a third party.
Damage to a third party’s property (e.g., their vehicle).

Car insurance in UAE is valid for 13 months (12 months of coverage plus a 30-day grace period). You must renew your policy before the end of the grace period. Failure to renew by this deadline will lead to:

Inability to renew your vehicle registration (Mulkiya).
Fines (e.g., AED 500) and black points if you are caught driving an uninsured vehicle.

Installing an approved anti-theft device (ATD) can have a positive effect on your Comprehensive car insurance premium.

Insurers view ATDs as a risk-mitigation measure, reducing the likelihood of a major theft claim.
They may offer a discount on your premium if you install an approved device (e.g., GPS tracker, advanced immobiliser). You must inform your insurer of the device to qualify.

Yes, customisation is possible, primarily with Comprehensive policies. Insurers offer various add-ons that allow you to tailor your coverage, such as:

You can opt for Agency Repair coverage for a limited age of the car.
Roadside Assistance can also help customize your insurance policy and provide an enhanced coverage.
Personal Accident benefit for the driver/passengers also contributes to providing better insurance coverage.
Off-Road coverage, which is crucial for desert driving, can also be added when customising the insurance policy.

Here are a few simple ways to find your auto insurance policy number-

You can find it on the original policy document. This document is often emailed as a PDF by the insurer.
It is also mentioned on your vehicle registration card (Mulkiya), where the insurance details are electronically linked.
You can also login to the customer portal of your insurance provider's online portal (website or app).
Insurance policy number can also be fetched by calling your insurance provider's customer service line or your insurance aggregator (042-472-904 if purchased through Policybazaar.ae).

'Own Damage' (OD) cover is a part of the Comprehensive car insurance policy. It covers damage sustained by your own insured vehicle. This cover damages or losses caused due to-

Accidental damage (even if you are at fault).
Fire, theft, or vandalism.
Natural disasters (like floods or hail, depending on the policy wording).

Generally, you cannot transfer the insurance policy itself to the new owner.

When you sell your car, you must cancel your existing policy and the insurer will issue a refund for the remaining unused period.
The new owner must purchase a brand new insurance policy in their name to register the vehicle with the RTA.
You can sometimes transfer the policy coverage to a new vehicle you purchase, provided the new car is of a similar risk profile, and you pay any difference in the premium.

Yes, absolutely. Expatriates are the primary market for motor insurance in Dubai. The requirements are the same as for local citizens, requiring: