Supercar Insurance in the UAE – All You Need to Know and Do

Buy Car Insurance in 30 Seconds !

Motor Insurance UAE


Car Insurance Dubai

Expert advice

Vehicle Insurance UAE

Low prices

Car Insurance in Dubai
Compare & Save Up to 30%on Car Insurance
  • Nissan
  • Toyota
  • Honda
  • Mitsubishi
  • Ford
  • Other
We Are Rated




Insurance Partners

1 Million+

Trusted Customers

250 K+

Policies Sold

  • Comprehensive
  • Third Party
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.

Supercars are all the craze in the UAE – whether it is the residents and citizens we talk about or the visitors. From a tourist attraction to a thing of beauty, supercars have been dominating the landscape of Dubai for a while now. Even if the sighting of supercars in Dubai is as common as it is now, it doesn’t imply any decrement in the value of these motor beasts or their maintenance expenses. One such expense related to supercars in the UAE is supercar insurance. Something as exclusive as supercars requires an equally exclusive protective cover. This is why supercar insurance costs a lot in the UAE. Let us see what options you get to ensure your luxury supercar in the UAE and what are the things you need to take care of when looking out for supercar insurance costs. 

Supercars vs Sports Cars

First thing first, one must understand the difference between these two terms that are often used interchangeably. Supercars and sports cars both have the speed factor attached to them. However, supercars are made using some of the most premium car parts, interiors and exteriors. They exceed sports cars in terms of power and performance as well. This is why supercars are also often referred to as high-performance cars. As far as cost is concerned, supercars take precedence in that area as well. Some great and very common examples here of supercars can be Aston Martin, Ferrari, Bentley, etc. 

What are Your Primary Options?

As evident, supercar insurance is quite exclusive but the good thing is that you do not have to look for an alien option to get insurance for your supercars. Most auto insurance providers design separate plans for high-net-worth cars aka supercars. The benefits are mostly the same as any good comprehensive car insurance plan. The noticeable difference here is the assured sum and the value that these insurance plans provide. Covers like third-party liability expense cover are even available without any upper limit or capping. But the level included benefits can simultaneously increase the price of fully comprehensive car insurance. In short, you can easily get a good comprehensive high-net-worth vehicle insurance for your supercar in the UAE. 

Common Inclusions of Supercar Insurance 

Some general inclusions of supercar insurance in the UAE are as follows:

  • Third-party injury cover and vehicular damage cover 
  • Agency repairs
  • Substitute car hire cover 
  • Roadside assistance 
  • Personal belonging cover 
  • Depreciation waiver cover
  • Geographical extensions 
  • Track day cover 
  • Personal accident cover 
  • Valet parking theft cover 
  • Basic theft, natural disaster and fire damage cover 
  • Emergency medical treatment cover 

You will find that many covers that are available as add-ons in general comprehensive car insurance plans are available as basic benefits in high-net-worth supercar insurance. Many car insurance companies may offer track day cover as an add-on as well as a Europe extension. However, Oman geographical extension is generally added as a basic plan benefit. 

How Much Does Supercar Insurance Cost?

Car insurance in the UAE is spread across a wide price range. One can easily find a suitable insurance plan for their car which is also not very heavy on the wallet. Insuring a supercar in Dubai can easily cost you anything between AED 8000 and AED 20000. A Ferrari 458 insurance cost in Dubai is somewhere around AED 10,000. Depending on the benefits you choose and the car you have, supercar insurance costs can increase. 

Factors That May Affect Supercar Insurance Cost 

Several factors can influence the supercar insurance cost. Even if highly exclusive, supercars are subject to some of the same markets that other cars are. Following are the top factors that may influence supercar insurance costs:

Current Value of the Car

The current value of your supercar is the main factor that can increase supercar insurance cost or decrease it as well. Some supercars age finely and turn into classics and vintage cars. This phenomenon increases their market value even when depreciation decreases the market price. Apart from that, the basic market price applies as well. the higher the market price your supercar has, the higher could be supercar insurance cost. 

Value of the Spare Parts

Unlike vintage cars, it is easier and far more efficient to find spare parts of supercars given the fact that they have been manufactured only recently. But the fact remains that even the spare parts of supercars are expensive, at least more expensive than the spare parts of basic everyday cars. Since insurance repair agencies have to secure these parts to make sure that cars that come to garages are repaired efficiently, supercar insurance plans become more expensive.

Estimated Maintenance Cost 

Advanced technology, complicated machinery and expert skills are required to keep make sure that supercars are up to the mark at all times. This means that even the basic day-to-day maintenance of supercars is more expensive than any other car which increases supercar insurance costs. The maintenance factor is also a common factor when vintage car insurance plan prices are considered. Their maintenance is equally expensive due to the scarcity of technicians who understand and expertly handle the job. 

What Should You Look For?

Considering that you are looking to insure a very expensive supercar, affordability may not be on the top of your list. It is important that you do not spend over the top on insurance and only pay for what is required though. Look for comprehensive coverage that ensures that your supercar is protected in every which way possible. Supercars may be a luxury item but they are an investment as well, just like any other car. Another thing that you should be on the lookout for are the small differences among different insurance plans. Benefits like track day cover are often provided as basic benefits. Look for a plan that offers you the most in the premium that you are agreeing to pay. 

Agreed Value Insurance Plans – Should I Choose Them?

Agreed value is one of the most important things that you have to keep in mind whenever dealing with high-net-worth vehicle insurance plans. Expensive cars with the potential to be become an icon often descend into glory. This means that they lose market price with time due to depreciation but gain value in return. This is essentially the definition of classic cars. If your supercar shows the signs of gaining higher market value in the future, go with agreed value insurance plans. These plans do not consider the market price of the vehicle when deciding the assured sum of the insurance plan. The policyholder and insurance company agrees after a discussion about the current market value of the car. This type of insurance plan can do you and your supercar very good. 

Things to Keep in Mind 

  • Repair Garages: Make sure that your insurance company has a wide enough network of garages and repair centres for your supercar. A smaller network can lead to problems in case of an emergency. 
  • Modification Insurance: Many insurance providers require you to get separate insurance coverage or pay an additional premium to insurance the modifications in your car. This will effectively increase supercar insurance costs for you. 
  • Compare and Buy: Always take your time, compare the top available options, and then make the final purchase. The best policy to manage the supercar insurance cost in Dubai is to compare and then purchase. 
  • Expect the Insurance to be as Expensive as the Car: This no secret that supercar insurance cost in the UAE is going to be as extravagant as the cost of the cars themselves. Be prepared to spend at least AED 10,000 as premium as a fully comprehensive car insurance price. Make sure that you do not add any additional covers that come with added premium and can be removed when required. 

How to Buy Supercar Insurance in Dubai?

You can easily buy supercar insurance in Dubai online. Digitisation of the entire world has enveloped this aspect of the insurance market as well. Supercar insurance cost is significantly higher than other basic Dubai car insurance plan costs, yes but, that doesn’t mean that security will be compromised. Most top-rated car insurance companies in the UAE deal online in car insurance plans and offer high-net-worth vehicle insurance plans as well. You can take help from PolicyBazaar UAE to make sure that all the transactions and exchange of information is authentic and secure. Peace of mind should be your priority here. 


Dubai car insurance cost is not something to be troubled about and the same applies to supercar insurance costs as well. With the right information and fine knowledge of your needs, you can easily find an insurance plan that fits your needs the best. Just make sure that you do not skip out on your research and make an informed decision.

More From Car Insurance