Online Car Insurance in Dubai, UAE | Motor Insurance Quotes & Start @ AED 630*

What is Car Insurance?

Car insurance is a kind of motor insurance in Dubai that financially secures the vehicle, passengers and the driver in case of an accident. The policy 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.

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

Top Car Insurance Dubai Plans

Some of the cheapest car insurance quotes in Dubai, the UAE are:

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

Key Features of Car Insurance

Key Features	Insurance Benefits Offered
Coverage	Comprehensive
Third-Party Cover	Mandatory, Up to AED 200,000 on Accident Benefits
Coverage	Up to AED 200,000.
Minimum Premium	Begin at AED 630.
Process for Claim	Policybazaar UAE Portal & Insurer Portals
Claim Assistance	Yes
Savings	Up to 30% Safe Driver Discount*
Add-ons Covers	Driver Cover, Passenger Cover, Natural Calamities, Replacement Of Vehicle, Roadside Assistance, Oman Cover
Buy/Renew Process	Online

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

With Policybazaar.ae, you can unlock a wide range of benefits and effortlessly get your desired insurance coverage when you buy motor car insurance in Dubai, UAE. Here are the key benefits of obtaining insurance 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, UAE 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 in 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 in UAE

Vehicle insurance can be of two main types Comprehensive insurance and Third-party insurance. These two types of insurance are segregated based on the coverage they offer, the scope and the tenure of the plan. It is mandatory to have at least a basic level car protection plan for your vehicle at all times. Any of the two types of available car insurance in Dubai can fulfill that requirement for you.

Third Party Car Insurance

Third-party insurance is a type of auto insurance that covers only damages and injuries caused to a third party in an accident. The cost of third party vehicle insurance in Dubai, UAE is affected by several factors, including the driver's age, driving experience, type of car, and previous driving record. Other factors that may affect third-party insurance costs include the location where the car is registered, the insurance company's policies, and the level of coverage selected by the policyholder. It's necessary to compare policies from different insurance providers to find the best coverage at the most affordable price.

Comprehensive Car Insurance

Comprehensive insurance in UAE covers damages and injuries of both the insured individual(s) and third parties. This Car Insurance in Dubai, UAE covers damages or losses related to the insured car incurred due to accidents, theft, fire, and more. The cost of a comprehensive insurance plan varies as per several factors like the driver's age, driving experience, type of car, previous driving record, and so on. On Policybazaar.ae, you can compare different policies from the top motor insurers all at once to make your policy-buying journey even smoother.

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

Since such type of insurance plan is mandatory in Dubai, it is crucial to choose a policy wisely. Always opt for plans with maximum coverage at economical premiums to get the best deal. To ease your research and make an informed decision, we have provided you with a list of some affordable vehicle insurance plans 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.

UAE Motor Insurance Premium Calculator

Computing insurance premiums on your own can be a huge hassle. What you can do instead is use our auto insurance calculator to get an estimate. Policybazaar UAE insurance premium calculator is an expertly crafted, online computation tool that helps in determining the estimated auto insurance premiums for your policy. Here is a list of steps you can follow to use our car insurance calculator:

Step 1 - Starting from the top-left enter your car brand, year of manufacturing, model and the exact variant.
Step 2 - Once you enter these details, the estimated auto insurance premium for policies suiting your vehicle will be displayed on the bottom-left side of the calculator.
Step 3 - The computations can be changed by changing any of the four variables in the Policybazaar UAE insurance calculator.
Step 4 - You can also click & view plans to view the most suitable car insurance plans.

Get Best Car Insurance Quotes from Top Leading Motor Insurers in UAE

Policybazaar.ae is a leading online souk for a range of insurance solutions, including motor insurance. We are dedicated to revolutionising the way residents see and access insurance in the UAE. With partnerships with over 35+ car insurance companies, we offer a comprehensive range of services, from policy purchase to claim support. Explore the complete list of our partnered insurance companies below!

What’s Covered vs Not Covered Under Car Insurance in UAE?

✔️ 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.

❌ Driving under the Influence

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

❌ Vehicle Overloading

Carrying 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

Additional Cover Options & Upgrades for Car Insurance in Dubai & the UAE

You can always upgrade your Dubai car insurance 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 covers the life of passengers and the driver in the insured vehicle. If a person dies or becomes permanently disabled in an accident, a compensation of AED 200,000 is provided. Note: You should not exceed the passenger limit. Otherwise, the coverage may become void.

Natural Calamities Cover –

It financially protects your car against damage related to natural disasters like floods, sandstorms, or earthquakes. However, you cannot deliberately drive or park your car in a prone area

Car Rental Cover –

When your car is getting repaired after an accident, you get a replacement rental car. This way, your daily travel is not hampered.

Roadside Assistance –

If your vehicle breaks down suddenly, this service comes to the rescue. Your car will be towed to the nearest authorised garage. Roadside assistance offered under this benefit include flat tyre replacement, breakdown recovery, battery jump-start, and more.

Oman Extension –

Oman Extension rider is for frequent travellers to Oman. It covers your vehicle against damage related to collisions in Oman. For third-party liabilities, however, you need an Orange card.

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 the car insurance, 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, the UAE - 2025

Finding the best 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, UAE 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, UAE

With so many options available to purchase vehicle insurance online in Dubai, it has become easier to browse through a list of the best motor insurance in Dubai, and the rest of the UAE and opt for one that suits your needs. To buy cheap car insurance in UAE, all you have to do is:

Create a List of Insurance Providers

Start by shortlisting several providers. This approach assists you in finding the right vehicle insurance for your car and gain a comprehensive understanding of the UAE insurance market.

Review Coverage Inclusions

While comparing car insurance quotes, it's crucial to carefully examine the coverage inclusions provided by each policy. By understanding the extent of coverage offered by different plans, you can make an informed decision

Don't Overlook Exclusions

When comparing UAE motor insurance quotes, it's vital to carefully review the exclusions to avoid unexpected gaps in coverage. Understanding exclusions help you identify potential areas of risk and choose a suitable policy.

Consider Add-Ons and Riders

Exploring add-ons and riders is essential for tailoring your coverage to your specific needs. These additional options extend the coverage of your basic policy for enhanced protection.

Explore Discounts and Offers

By considering discounts and offers while comparing motor insurance quotes you can enjoy significant cost savings. Vehicle Insurance providers frequently offer various discounts that can substantially reduce your premium payments.

Read Customer Reviews

Customer reviews provide valuable insights into the real-world experiences of individuals who have used an insurance company's services. These reviews can highlight both positive and negative aspects of the company.

Tips to Reduce Your Motor Insurance Premium in UAE

Here are 7 easy-to-follow tips to effectively reduce your car insurance premium significantly:

Compare Insurance Providers: Evaluate coverage options, deductibles, and extras from different companies. Consider customer reviews and the claim settlement process to find the best deal.
Opt for A Higher Deductible: Assess your risk tolerance and potential savings with a higher deductible. Seek advice from professionals to choose the right amount based on your financial situation.
Maintain A Good Driving Record: Drive safely, avoid accidents, and consider defensive driving courses to qualify for lower premiums.
Bundle Your Insurance Policies: Consolidate your coverage under one provider to qualify for multi-policy discounts and simplify paperwork.
Install Anti-theft Devices: Research and install reputable anti-theft devices like wheel clamps, steering wheel locks, immobilizers, etc. to lower the theft risk and ask for discounts from your insurance provider.
Drive A Safe and Low-Risk Car: Choose a car with good safety ratings, install safety features, and store your vehicle in a secure location, and drive safely to minimize risks and save on premiums.
Take A Defensive Driving Course: Enroll in approved defensive driving courses to improve your driving skills and qualify for lower insurance premiums.

What are the Benefits of Buying Motor Insurance Online?

When you buy car insurance online in Dubai, you can purchase from the comfort of your home or office. Moreover, you don’t have to wait in queues or face other hassles to get your motor insurance policy. In short, the process is simple, transparent and meets RTA’s legal requirements.
Let’s discuss the major perks of buying insurance online in more detail —

Guaranteed Convenience – When you buy motor insurance online in Dubai, UAE, you can easily explore multiple options. Websites like Policybazaar UAE make it easy for you to compare your options in a matter of minutes. This saves time and effort while ensuring continuous support.
Policy Comparison Becomes Easy – With the online purchase option, you can effortlessly explore your options. Rather than browsing multiple brochures, you can easily check policies for their features, benefits, and premiums in real time.
Minimal Paperwork – You don’t have to fill out elaborate forms and papers to buy an insurance policy. When buying a plan online, you just need to select the right coverage by answering some simple questions. This process streamlines the whole shopping experience.
Transparency – You can easily review a car insurance company’s reputation online. On the internet, you can look at the company’s customer reviews and claim settlement ratio. This makes it easier for you to identify a reliable company.
Affordable Premium – Online purchases lower the running costs for insurance companies. This makes it easier for them to offer more affordable premiums. For you, this means you can get the same coverage at a competitive rate when purchasing online.
Security and Confidentiality - When you buy car insurance online, your details are safe. Leading insurers follow strict regulations and use advanced encryption and secure payment gateways. This keeps your details safe and gives you more control over your data.

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 Renew Car Insurance in Dubai?

If you bought your current motor insurance policy 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 UAE:

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, UAE, 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, UAE?

Here is a list of the documents required to buy Dubai car insurance —

Valid driving licence
Bank statements
Emirates ID (for UAE nationals)
Passport and residence visa (for expatriates)
Confirmation letter for GCC-specified vehicles

To renew your plan, you need the following documents–

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

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 Dubai, UAE

Motor insurance is a legal requirement that you need to fulfil if you are a vehicle owner, be it new or used vehicle. Motor insurance in Dubai financially protects your automobile and you in case of third-party liabilities and damage to your vehicle because of an accident, theft, vandalism, or fire.

All car owners must necessarily have an insurance policy in Dubai. If you are caught driving without valid vehicle insurance, you can face penalties such as heavy fines, black points, and vehicle seizure. Apart from it being a legal formality, this insurance ensures your financial well-being in case of any damage occurring to your vehicle or third-party individuals, properties, or vehicles.

Roadside assistance cover is a helpful add-on to include in your insurance policy. If you are stuck in the middle of the road, you can use this add-on to get assistance related to mechanical failure, flat tyre, towing, and so forth.

If you have not claimed any amount for any type of damage during the policy term from your respective insurer, you can get a discount on your premium at the time of renewal. This can help you save a significant amount in premiums.

Although there are a lot of factors that play a deciding role in your car insurance’s premium like age, variant, make, etc. you can easily calculate your premium through online car insurance premium calculator by simply putting in the details like model number, car plate number, etc.

You can verify your car insurance status online by accessing your insurer's online portal dir042-ectly. 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.

Simply search for quotes according to your budget and compare them. This process becomes simplified when you apply via Policybazaar.ae. Fill out the lead form with the required info, such as model, the value of the car, current emirate, etc, and submit your details to view the quotes page.

The cheapest car insurance in UAE varies based on different factors - vehicle type, coverage you want, and your driving history. If we talk about coverage preference, third-party motor insurance is the cheapest car insurance. However, this type of insurance only covers liabilities to third parties caused by the insured vehicle. For broader coverage, it is advisable to choose comprehensive car insurance in Dubai, UAE. It is available at cheap rates on Policybazaar.ae and provides coverage for both the insured vehicle and third-party liabilities.

No, comprehensive insurance plans are optional in the UAE. However, third-party liability insurance covers are compulsory.

You are advised to renew your auto insurance in Sharjah, Dubai and the UAE a day prior to the expiration of last year's auto insurance. However, in case you are unable to renew vehicle insurance on time, as per the laws of RTA, you will be granted a grace period of 30 days after the expiration to renew your motor insurance in UAE.

The premium of your car insurance Dubai will be higher if it is recognized as a high-risk vehicle by the insurance company and vice-versa. Since anti-theft devices for cars lowers the risk of theft significantly, installing them significantly lowers the premium of policy that you are buying.

Yes, you can customise your motor insurance policy by including optional coverages or add-ons.& Although motor car insurance add-ons differ from one provider to another, some of the common add ons you can find with comprehensive insurance plans include -

Roadside assistance cover
Personal accident cover (for the driver and passengers)
Oman extension
Vehicle replacement cover
Natural disasters cover, and more.

Your car insurance policy number is a unique identifier specific to your insurance contract. You can locate it by reviewing your policy certificate and schedule or by accessing your insurer's online portal or mobile app. If required, you can contact your insurance company's customer service department or your insurance broker (042-472-904 if purchased through Policybazaar.ae) or agent for assistance.

In the UAE, vehicle insurance is generally linked to the specific vehicle rather than the owner. However, as the facility of car insurance transfer varies as per the company, it is essential to contact your auto insurance provider to know more.

Own damage coverage in auto insurance refers to the financial protection against damages to or loss of your own vehicle resulting from accidents, theft, or fire. The difference between a third-party liability coverage and own damage vehicle insurance, which covers damage or injury to other people or their property.

Note - Own damage cover is automatically included in comprehensive auto insurance plans