Third Party Car Insurance Online In UAE
Third-party car insurance is the need of the hour, given that there is a striking increase in road accidents. With third-party car insurance, you are financially covered against all the damages you caused to the third party’s car or property. It is a basic and mandatory auto insurance that you need to possess to incorporate a sense of responsibility while driving. The insurance helps you protect your savings and drive around with peace of mind.read more
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Third Party Car Insurance Plans in UAE - 2026
Some of the best and the cheapest car insurance quotes in Dubai are:
What are the Inclusions of a Third Party Insurance in UAE?
Here is the list of inclusions for third-party car insurance in the UAE.
- Bodily injury or death to a third party
- Damage to third-party’s property caused by the insured
What are the Exclusions of the Third Party Car Insurance in UAE?
Here is the list of exclusions for third-party insurance in the UAE.
- Car replacement
- Injuries/damages caused to the insured vehicle during a mishap
- Contractual liability is excluded
- Any damage caused due to an ongoing war, war-like situation, nuclear risk, etc.
- Accidental death or any injury to the owner of the insured
- When driving without a valid driving license
- Intentional injury or damage
- Driving and causing an accident when under the influence of drugs and/or alcohol
Third Party Liability Car Insurance Add-Ons in UAE
Generally, car insurance(تأمين السيارات) providers do not have a lot of options for add-ons for third party car insurance plans. However, depending on the car insurance provider that you have, you may have the option to add the following add-ons with the basic third-party liability cover:
- Personal Accident Cover for Drivers
- Personal Accident Cover for Passengers
Eligibility Criteria to Buy Third Party Car Insurance
Following is the eligibility criteria for buying third-party car insurance in UAE:
- Any UAE national or residents who own a car registered in UAE under their name
- Minimum age for buying car insurance – 25 years
- Maximum age for buying car insurance – 65 years (may fluctuate a little as per providers)
- The applicant must have a valid driving license. The applicant should have had their license for about 2 years in case they have migrated from a foreign country, preferably.
How to Buy Third (3rd) Party Car Insurance in UAE?
Third-party insurance in Dubai comes in handy in the hour of need. It is mandated by law, so you don’t have a choice there, however, you can do great by choosing the right third-party insurance.
Here is an easy way to help you find the best third-party car insurance in UAE:
- Explore the Market: Shop around, explore various options available and bag one that suits you. Make an informed decision by carefully considering your requirement from a plan.
- Car Mileage Counts: Insurers consider the more you drive, the more are the chances of meeting with accidents. Reducing your car mileage will lead to a lower auto insurance premium.
- Bundle the Insurance Policies from One Insurer: It’s true that you can’t do a lot about TPL premium, as it is decided by the UAE Insurance but, by buying multiple insurances from one insurance provider; you can get competitive premium rates.
Third-party insurance premium in the UAE is regulated by the UAE Insurance Authority. However, it has been noticed that car insurance premium in the country has drastically been increased over the period.
As comprehensive insurance comes with a higher cost, most of the people in the UAE prefer third-party liability insurance because it is quite affordable & cheaper than any other policy.
Documents Required to Buy a Third Party Car Insurance Plan in UAE
Following are the documents that you will need to present when buying a third-party car insurance plan:
- Driving license of the owner of the car
- Previous insurance details (if any)
- Registration number and documents of the car
- No claim bonus retention certificate (if any)
- Emirates ID of the applicant
- Passport of the applicant
- Visa page as residency proof
- Additional documents and details like chassis number
Note: confirm with your insurance provider if any additional documents are required as well.
| Documents Required for Car Insurance in UAE |
How to Renew Third Party Liability Insurance in the UAE?
Renewing a car insurance policy on time is important for every policy holder to keep on enjoying the benefits of the plan uninterruptedly. You can renew the policy online or offline. To renew it online:
- Visit the official website of the insurance provider in the UAE.
- Mention the policy details such as policy number, type of policy, etc.
- Get the suggested premium.
- Pay the premiums online through credit/debit card or net banking.
- Get the instant renewal notification through SMS or mail.
If you wish to renew the policy offline, you can visit the branch of the insurer, pay the premium and get it renewed.
What is the difference between Comprehensive and Third Party Car Insurance?
|
Category |
Comprehensive Car Insurance |
Third-Party Car Insurance |
|---|---|---|
|
Coverage |
Cover for your own damages and third-party damages as well, based on your car insurance policy terms |
Covers you only against third-party damages and losses |
|
Advantages |
Protects your pocket from the cost of both damages to your own car and third-party damages as well |
Protects your pocket from traffic fines if you accidentally hurt someone on the road |
|
Premium |
Comprehensive car insurance is quite expensive when compared to a third-party car insurance plan |
Third Party insurance Dubai price is comparatively lower as it doesn't cover any damages to your own vehicle |
|
Customization |
Can be customized by adding some specific add-ons based on your needs |
No customizations can be done in this type of insurance plan |
| The First Third-Party Motor Insurance for Rain & Flood Damages in UAE Starting @ AED 350 |
How to File Third Party Car Insurance Claims in UAE?
Whether you have been in a minor accident or a major collision, it is essential to know how to file a third-party insurance claim. Let’s take a closer look at the scenarios below —
Scenario 1 – When YOU are at Fault
- Call the Police – Report the accident immediately. The police will inspect the situation and issue a police report.
- Get the Police Report – Get a copy of the police report or a hard copy from the accident scene itself.
- Inform the Provider – Once you have this report, inform the insurance company about the accident in detail and share the report too.
Note – Since you are at fault, the third party will file a claim with their insurance company. Your insurance company will align with its provider for settlement.
Scenario 2 – When the OTHER Driver is at Fault
- Obtain the Police Report – Get a police report of the incident specifying that the other driver is at fault.
- Connect with the Insurance Company – Inform the insurance provider about the accident. Share with them the police report and accident details.
- Initiate the Claim – Your provider will file a recovery claim against the other driver’s insurance company.
- Claim Settlement – Once the fault is confirmed, your insurer will arrange for repairs and recover the cost from the third party’s insurance company.
⚡ Quick Hacks –
- Always get a police report, irrespective of the severity of the accident
- Take photos and videos of the accident scene as evidence
- Don’t give in to accepting your fault or sign any documents from the third party
- If you need any other help with the process, connect with your provider or Policybazaar UAE’s support team for assistance
FAQs
Is third party car insurance mandatory in the UAE?
Yes, third party car insurance is mandatory in the UAE. You cannot legally drive or register a car without valid motor insurance in UAE. It is the minimum level of insurance required for vehicle owners. You can choose a higher level of protection with comprehensive car insurance, but you cannot go below third party cover. So, if you are looking for a basic and budget-friendly policy, third party insurance is the starting point.
What does third party car insurance cover?
It usually covers third-party property damage, bodily injury, and death caused by the insured vehicle, subject to the policy terms and limits.
Does third party insurance cover my own car?
No, third party insurance does not cover damage to your own car. If you want cover for your own vehicle, you should consider comprehensive motor insurance.
Is third party insurance cheaper than comprehensive insurance?
Yes, third party insurance is usually cheaper because it gives limited cover. It mainly protects you against claims made by others, not your own vehicle damage.
What is the cheapest third party car insurance in the UAE?
The cheapest third party car insurance depends on your car, driving history, age, emirate, and insurer. On Policybazaar.ae, car insurance premiums start from AED 630 per year.
Can I buy third party car insurance online in Dubai?
Yes, you can buy third party car insurance online in Dubai. You can compare plans, check premiums, upload documents, and buy the policy online.
Which is the best third party insurance for a car?
The best third party insurance is the one that gives the right liability cover, easy claims support, useful add-ons, and a fair premium. Do not choose only by the lowest price.
What documents are required for third party car insurance?
You may need your Emirates ID, UAE driving licence, vehicle registration card or Mulkiya, previous policy, and vehicle inspection report if required.
Can I add roadside assistance to third party insurance?
Yes, some insurers offer roadside assistance as an add-on with third party car insurance. It can help with towing, flat tyre, battery issues, and breakdown support.
Does third party insurance cover passengers?
Basic third party insurance may not cover the driver or passengers in your own car. You may need to add personal accident cover for the driver and passengers.
Is third party insurance enough for an old car?
It can be enough if your car has a low market value and you are comfortable paying for your own repairs. If repair costs are still high, comprehensive insurance may be safer.
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