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 43,419 reviews)

Veli kaplanAbu Dhabi, 27 May 2026

★★★★★

Quite Affordable Car Insurance in the UAEPolicybazaar.ae was the place where I found the cheapest car insurance in UAE, but without any compromise on what I wanted in coverage. Got a solid comprehensive plan and the difference this time was I thoroughly informed by the team, so chose only the necessary add-ons and saved on costs.

Shyla beeviDubai, 23 May 2026

★★★★★

Hands Down the Best Place for Motor Insurance in the UAEI'd heard of PB.ae from a colleague and decided to try out for car insurance this time. Turns out, this was the best decision with how easy the whole journey was. Never did I ever expect to find the best policies with this much clarity, and that too with detailed explanations. Best site, delivered a 10/10 experience.

Laura Anne HaigDubai, 11 May 2026

★★★★★

Sound Advice on Car InsuranceCredits to Policybazaar.ae for getting me the best car insurance in UAE. The website was great as I could see the top plans, prices and whatnot, but the team was outstanding too. They took time and understood my requirements without rush. This zero pressure thing worked with me, like I actually made an informed choice!

Salma ElgerbyDubai, 5 May 2026

★★★★★

Helpful Experts and Clear Car Insurance OptionsPB people made it easier for me to understand car insurance plans in Dubai. The experts explained the important points in simple language and helped me compare the available options. I could check the premium, coverage and benefits before deciding. The experience was good and I did not feel pushed into buying something I did not need. So YESSSSSS!!!

YasirDubai, 28 April 2026

★★★★★

Expert Advice Made Car Insurance EasierI was not sure which car insurance in the UAE would be right for me. The expert advice from Policybazaar.ae really helped. Instead of just looking at the premium, I understood what coverage I should check, what add-ons may be useful and what things I should avoid. It made me feel more confident before buying the insrance.

Lino JohnDubai, 19 April 2026

★★★★★

Good Platform for Comprehensive Insurance in DubaiI wanted comprehensive car insurance in Dubai and was not sure which plan would offer the right coverage. Policybazaar.ae showed multiple options from different insurers, which helped me compare prices and benefits easily. I liked that I could see important details like coverage, add-ons and claim support before making a decision. It felt more transparent than choosing a plan blindly.