Salama Car Insurance

Salama car insurance offerings are designed for everyday drivers who want dependable coverage without complications. With practical benefits, clear policy terms, and a strong service network, Salama motor insurance remains a trusted option for car owners across the UAE.

What is the Meaning of Auto Takaful?

Auto Takaful is a Shariah-compliant form of car insurance. Policyholders contribute to a shared pool to support each other in case of loss or damage. Instead of transferring risk to an insurer, participants agree to mutual risk-sharing, which is the core principle behind Takaful. 

In simple terms, when you choose Salama car insurance, your contribution helps protect not just you but other members of the pool as well. The insurer pays the claims from this collective fund and oversees the process to ensure fairness, transparency, and ethical compliance.  This structure makes Salama motor insurance suitable for drivers who prefer insurance that aligns with Islamic values while still meeting UAE legal requirements. 

Types of Salama Car Insurance Plans in the UAE

You can find two main types of Salama car insurance plans in the UAE to meet both legal requirements and practical driving needs.

Third Party Liability (TPL) Plan:

This is the minimum mandatory vehicle insurance coverage required in the UAE. It covers injury or damage caused to others, including third-party property damage and bodily injury, along with personal accident benefits for the driver and passengers. It does not cover damage to your own vehicle. 

Note that you can add roadside assistance cover to this plan at an additional cost.

Comprehensive Car Insurance Plan:

The Comprehensive plan offers wider protection by covering both third-party liabilities and damage to your own vehicle. Along with higher third-party coverage limits, this Salama car insurance plan includes personal accident cover, roadside assistance, windscreen damage, natural calamities (with conditions), and Oman cover for own damage. 

Features and Benefits of Salama Car Insurance Plans

The table below highlights a clear comparison of what is covered under Salama motor insurance plans — 

What is Not Covered in Salama Car Insurance Plans?

Before buying or renewing Salama car insurance, it is important to understand what your policy does not cover. 

• Damage caused while driving under the influence of alcohol, drugs, or illegal substances
• Losses resulting from intentional damage, reckless driving, or gross negligence
• Accidents involving drivers without a valid UAE driving licence or not authorised under the policy
• Claims where a police report is mandatory but not provided
• Mechanical or electrical breakdowns, wear and tear, or ageing-related damage
• Tyre damage — unless it occurs as part of an insured accident
• Damage caused by driving through flooded roads, even under natural calamity cover
• Losses arising from off-road driving outside approved conditions (especially for non-4×4 vehicles)
• Use of the vehicle for purposes not declared in the policy (such as racing or commercial use)

Optional Add-Ons Available with Salama Car Insurance in the UAE

Salama allows you to enhance your base policy by adding optional covers, depending on your driving habits and travel needs. You can select these add-ons at the time of purchase or during Salama car insurance renewal, subject to policy terms.

1. 24/7 Roadside Assistance (for TPL plans): Available as a paid add-on for Third Party Liability policies. It includes towing, battery boost, flat tyre support, fuel delivery, off-road assistance, and vehicle recovery services.
2. Temporary Replacement Car: Provides a temporary car for up to 10 days while your insured vehicle is under repair. Eligibility conditions apply, including minimum driving licence age and driver age requirements.
3. Oman Third Party Liability (Orange Card): Extends third-party liability coverage while driving in Oman, which is useful for UAE residents who frequently travel across borders.
4. Oman Own Damage Cover: Available under comprehensive Salama car insurance plans, this add-on covers damage to your own vehicle while driving in Oman.
5. Off-Road Cover for SUVs (4×4 only): Designed for SUV owners who drive off-road. This add-on provides coverage for approved off-road use, as per policy conditions.

Claim Process of Salama Car Insurance

As a policyholder, you get dedicated contact numbers and online support to make the Salama car insurance claim process simple.

1. Immediate assistance after an accident or breakdown: If your vehicle breaks down anywhere in the UAE, you can contact Salama Roadside Assistance at 600 575 751, available 24/7.
2. Report the accident to authorities: A valid police report is required for motor claims, especially for accidents involving damage, injuries, or third-party liability.
3. Register your claim online: Submit the claim through Salama’s official motor claims portal:
   https://motor.salama.ae/
4. Customer service & claim support: For general assistance related to claims or Salama motor insurance, you can contact Salama’s service hotline at 800 725262 (SALAMA).
5. Vehicle inspection and repairs: After claim registration, Salama will guide you to an approved garage from its network, depending on whether your policy allows agency or non-agency repairs.

Salama Car Insurance Renewal & No Claim Discount (NCD)

Renewing your Salama car insurance policy on time helps you continue your coverage without losing benefits linked to your driving record. With Salama auto insurance, drivers who maintain a claim-free history are rewarded through a No Claim Discount (NCD). Policyholders can receive up to 20% NCD. This starts with 10% after the first claim-free year. It increases to 15% in the second year and reaches 20% from the third year onwards. 

When planning Salama car insurance renewal, many customers choose to renew through Policybazaar.ae for added convenience. It helps you review your existing Salama motor insurance cover, apply eligible NCD benefits, and explore available add-ons before renewing.  Policybazaar.ae also offers motor insurance with exclusive benefits, including a safe driver discount of up to 30% as part of a bundled package, which can further reduce renewal costs for eligible drivers. 

Frequently Asked Questions (FAQs)

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