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 service and ensuring your peace of mind while driving in the UAE. read more

Written ByNupur JainSenior Content Writer (Expertise - Motor Insurance)

Reviewed ByToshita Chauhan BalochiChief Business Officer – General Insurance @ Policybazaar.ae

Last updated on 15 October 2025Editorial Standards

Top Car Insurance Plans

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.

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)

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
DIC Car Insurance Reviews	DIC Car Insurance claim

Frequently Asked Questions

Yes, if you have black points against your driving licence or fines in your records, DIC can deny you a policy.

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.

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.

Reviews & Ratings

★★★★★4.7 / 5

(based on 44,602 reviews)

MUDASSIR AMJADDubai, 23 September 2026

★★★★★

Buying online very convenient Policybazaar.ae saved me from wasting my whole weekend calling or meeting so many insurance companies and getting quotes. Liked how easy it was to enter deets online and finish the purchase. I didn’t have to step out anywhere, and got a pretty comprehensive policy.

MAJED HUSSAIN ALI WAHEEDIDubai, 15 September 2026

★★★★★

Add-ons on what I actually needWhat I liked about this pllatform was I could choose add-ons as per how I actually use my car. Usually insurers pushed all add-ons, even the unnecessary ones. This team did not, and I selected the ones that made sense for me for real. The whole process felt much more comfortable here.

AHMAD ABDUL KALKDubai, 6 September 2026

★★★★★

Found much better ratesTill date car insurance was either low rates or compromised coverage. On this platform I compared many plans and surprisingly found a good plan. Like affordable rates but pretty solid cover too.

AHMAD ZUHIER M R IDRIESAbu Dhabi, 31 August 2026

★★★★★

Actual support when confusedI was clear that I wanted comprehensive motor insurance, but not sure about what the diff was between add-ons and excess. But thankfully contacted Policybazaar.ae team. I asked a few questions and got satisfactory answers without any pressure to buy.

MOHAMED AHMED KHALAFDubai, 25 August 2026

★★★★★

Nice options for new carRecently bought new car, was not sure of dealership insurance. Checked a few plans here and actually, found amazing options at not much cost too. Glad I did that as, I got better deals instead of just going with the recommendation.

Tiaan TerblancheDubai, 18 August 2026

★★★★★

Good comparison before renewalMy car insurance was due for renew, and luckily I found Policybazaar.ae. Surprised by how many more plans and prices were out there. Rather than going with the same insurer like every time, it was good to compare options on this site.