Best Car Insurance Companies in Dubai, UAE

Top 10 Car Insurance Companies in Dubai, UAE - 2025

Finding the right car insurance in Dubai is important to cover your vehicle while being stress-free on the road. However, as mentioned earlier, with so many insurers in the market, selecting a trusted company can be overwhelming. To help you out, here is a list of the top 10 Best car insurance companies in UAE that highlight providers known for reliable coverage, efficient claims handling, and excellent customer service.

List of Top Car Insurance Companies in UAE
1. Sukoon Car Insurance	2. Watania Takaful Car Insurance
3. GIG Gulf Car Insurance	4. Al Sagr Car Insurance
5. Al Fujairah National Car Insurance Company	6. Salama Takaful Car Insurance
7. Abu Dhabi National Car Insurance Company	8. Orient Car Insurance
9. Tokio Marine & Nichido Fire Car Insurance	10. Qatar Car Insurance Company

1. Sukoon Car Insurance

One of the leading names associated with the best car insurance in Dubai is Sukoon Insurance.  Based in Dubai, Sukoon Insurance delivers a comprehensive range of insurance solutions across health & motor insurance, and more. With a remarkable industry presence for the last 50 years, its car coverage products are worth exploring. 

Why is it One of the Best Motor Insurance Companies in Dubai?

• Round-the-clock customer support
• Partnership with AG Cars
• 24/7 roadside assistance across the UAE and GCC
• Fully-automated claims
• Wide range of garages

Recommended For – Luxury cars, SUVs, Sedans, Hatchbacks

Top Car Insurance Plans from Sukoon Insurance

Sukoon Comprehensive Car Insurance
Standard Cover	Additional Benefits	Optional Cover
Third-party Bodily Damage Third-party Property Damage Loss of Use Allowance Ambulance Benefit Loss or Damage to Own Vehicle	Off-road Cover Emergency Medical Expenses Territorial Expansion Cover Natural Disasters, Flood, Riots, Storm, Strikes, and Civil Commotion Windscreen Damage Roadside Assistance Valet Parking Theft Personal Injury Personal Belongings Replacement of Locks Auto Gap See more	Personal Accident Benefit Courtesy Car Cash Benefit Rent-a-Car Benefit

Sukoon Privilege Motor Insurance
Standard Cover	Additional Covers	Optional Covers
Agency Repairs Third-party Property Damage Bodily Injury Loss or Damage of Vehicle Ambulance Cover Loss of Allowance	Courtesy Car Off-road Cover for 4x4 Personal Accident (for Driver and Passengers) Coverage Expansion to Oman Personal Injury Personal Belongings Replacement of Locks Auto Gap Roadside Assistance Emergency Medical Expenses Natural Disaster Windscreen Damage Valet Parking Theft See more	Track Day Europe Extension

2. Watania Takaful Car Insurance

If you are looking for affordable motor insurance plans, Watania Takaful is among the top names in terms of of the best vehicle insurance in Dubai, UAE. This is a Shariah-compliant insurance company established in 2008. It offers an array of takaful solutions ranging from medical, travel to marine and motor.

What Makes This Car Insurance Company Stand Apart?

• Agency repairs
• 24/7 roadside assistance
• Affordable plans
• Quick and efficient claim process
• Extensive garage network

Recommended For – EVs, Hybrid cars, Fuel-driven vehicles

Top Car Insurance Inclusions & Add-ons of Watania Takaful Insurance

Inclusions	Add-ons
Third-party Liability Damage to the Insured Vehicle Riots/MD/Strikes Windscreen Excess Waiver Ambulance Service Auto Gap Lock Replacement Off-road Cover Child Car Replacement Emergency Repair Expense Loss of Personal Belongings Emergency Medical Expenses Taxi Fares Personal Injury Valet Parking Cover Fire and Theft Cover Off-road Recovery Car Hire Cash Benefit See More	Personal Accident Benefit Natural Calamity Cover Vehicle Replacement Oman Cover Extension Roadside Assistance

3. GIG Gulf Car Insurance

Next in the list of top 10 car insurance companies in Dubai, UAE is GIG Gulf Insurance. With over 70 years of presence in the Middle East and North Africa, it offers some of the best motor insurance solutions in the region, including both comprehensive and third-party insurance coverage. 

What Makes GIG Gulf Insurance a Top Choice?

• 24/7 multilingual customer support
• Exclusive offers upon purchasing comprehensive car insurance, including 
  • Free airport pick-up and drop-off concierge service
  • Complimentary car pick-up and drop-off service 
  • Free car inspection, pick and drop-off facility at the time of registration renewal
• Specialised car insurance products for Dubai and the UAE
• Transparent claim process

Recommended for – Toyota, Nissan, Lexus, and Ford car model

Top Car Insurance Plans from GIG Gulf Insurance

Motor Prestige

Motor Perfect

Complete Vehicle Protection - Protection against damage or loss Third-party Liability - Cover for bodily injury and property Complete Protection against Environmental and Criminal Disasters - Theft, flood, strike, fire, storm, and riot Personal Injury Coverage Emergency Medical Cover Personal Belongings Protection Assured Repairs and Agency Repairs - for up to 5 years Comprehensive Benefits including windscreen damage waivers, 24/7 accident recovery, convenient pick-up and drop-off services, GCC coverage Total Loss Benefit Wider Geographical Coverage – Oman and off-road car insurance

Vehicle Damage Protection - Cover against loss or damage Wide protection - From natural disasters to theft Preservation of Personal Assets Flexible Repair Options - Agency repair for up to 5 years Third-party Liability - Bodily injury and property damage Personal and Medical Protection Oman and Off-road Insurance Total Loss Protection, Optional Hire Car Benefits, and Pick-up and Drop-off Services

4. Al Sagr Car Insurance

Headquartered in Dubai, Al Sagr National Insurance Co. was established in 1979 as a multi-line insurance company. One of the best car insurance companies in UAE, it offers comprehensive motor insurance solutions. These plans come with benefits like loss and damage to third-party property and damage incurred by the insured vehicle. 

What Makes Al Sagr Insurance a Perfect Choice?

• Customisable insurance plans
• Repairs outside the agency
• Emergency roadside assistance
• Dedicated claim assistance

Suitable For – First-time car owners

5. Al Fujairah National Car Insurance Company (AFNIC)

Headquartered in Fujairah, Al Fujairah National Insurance Company was established in 1976. As one of the providers of the best car insurance in Dubai, AFNIC’s plans keep your vehicle and yourself financially covered. With AFNIC, you get two types of vehicle insurance plans — comprehensive and third-party. 

What Makes AFNIC Stand Out?

• Tailor-made car insurance plans
• Dedicated claims team
• Customer support assistance

Suitable For – Brand-new vehicle

Top AFNIC Car Insurance Policies

Motor Comprehensive Cover	Third Party Insurance
Agency cover for brand-new vehicles Cover for damage to the insured vehicle  Offers 2 types of cover — Agency repair Non-agency repair	Damage to a third party’s property or vehicle Blood money Third-party liabilities

6. Salama Takaful Car Insurance

With over 45 years of presence in the UAE insurance market, Salama Takaful is a Sharia-compliant insurance company. It offers the best car insurance in Dubai, UAE that covers loss or damage, third-party liabilities, and personal accidents.  

Why Is Salama Takaful One of the Top 10 Car Insurance Companies in UAE?

• Quick and efficient repairs from A-grade garage network
• Free roadside assistance
• Car registration service (for comprehensive Takaful)
• Tailored insurance plans
• Up to 20% no claims bonus discount
• Recommended for – SUVs

Here are the Takaful plans provided by Salama that make it one of the top 10 car insurance companies in UAE —

Comprehensive Auto Insurance	Third-Party Liability
Off-road assistance for free Integrated personal accident benefit for passenger and driver Quick repairs via A-grade garage network Car registration service Complimentary battery boost service Free vehicle recovery service	Damage to third party Legal liability Liability coverage

7. Abu Dhabi National Car Insurance Company

Another insurer among the top 10 car insurance companies in Dubai, UAE is Abu Dhabi National Insurance Company (ADNIC). Founded in 1972, this provider is headquartered in Abu Dhabi and has multiple branches across the country including Dubai. ADNIC offers 3 main types of plans – Gold (Comprehensive), Silver (Comprehensive), and Third Party Liability. 

Why is ADNIC a Popular Car Insurance Company?

• Over 100 garages in the network
• Easy claim process
• Customisable policies
• Guaranteed vehicle replacement while your car gets repaired
• Repairs at official dealerships

Suitable For – All types of cars

Top Car Insurance Plans of ADNIC -

Gold	Platinum	Standard
Agency Repair for up to 2 Years Comprehensive Cover for up to 8 years Third-party Liability Property Damage — Up to AED 3,500,000 Off-road Assistance (4-wheel drive) Roadside Assistance Services Loss of Personal Belongings Car Replacement Natural Perils and SRCC Waiver of Depreciation Lock and Key Replacement	Agency Repair for up to 3 years Comprehensive Cover for up to 8 years Third-party Liability Property Damage — Up to AED 5,000,000 Off-road Assistance (for 4-wheel drive) Loss of Personal Belongings Damage from Valet Parking Roadside Assistance Services Car Replacement Natural Perils and SRCC Depreciation Waiver PAB Cover (for Free) Emergency Medical Expenses Free Orange Card see more	Agency Repair for up to 1 year Comprehensive Cover for up to 8 years Third-party Liability Property Damage — Up to AED 2,000,000 Third-party Bodily Injury or Death Car Replacement Roadside Assistance Services Loss of Personal Belongings Windshield and Window Damage Cover

8. Orient Car Insurance

Established in 1982, Orient Insurance Company is another name to get the best car insurance in Dubai, UAE. It has a paid-up capital of AED 500 million and carries an exceptional A+ credit rating. Its auto insurance solutions include comprehensive and third-party liability.

What Makes Orient Insurance a Go-to Choice?

• Quick and smooth claim process
• 24/7 roadside assistance
• Affordable premium
• Customisable plans for residents
• Wide garage network

Suitable For – All Vehicle Types

Here are the top car insurance policies from Orient Insurance

Comprehensive Cover

Third-Party Liability Cover

Repair at the dealer/agency workshop within the first 3 years of the vehicle purchase Protection against natural disasters like floods, hurricanes, storms, and earthquakes Coverage against strikes and riots Roadside assistance Off-road cover for 4WDs Oman extension Coverage for clothing and personal belongings against fire and theft — up to AED 1,000 Emergency medical expenses due to an accident — up to AED 500 per person Windscreen excess waiver Personal accident cover for the driver and passengers of up to AED 100,000 Legal liability to immediate family members read more

Third-party bodily injury — Unlimited Third-party property damage — AED 2,000,000 per person

9. Tokio Marine and Nichido Fire Car Insurance

Tokio Marine Insurance, a trusted Japanese insurance provider, is one of the top 10 car insurance companies in Dubai, UAE. It has been active in the region since 1976 and reputed for its easy claim process and responsive customer service. Tokio Marine, with strong global ratings — A+ from S&P, A++ from A.M. Best, and Aa3 from Moody's and offers reliable motor insurance in Dubai.

What Makes Tokio Marine Insurance Reliable?

• Premium agency repair
• 24/7 roadside assistance
• Claim forgiveness coverage
• Purchase price option for used cars
• Superfast claims service

Suitable For – Used cars and budget-conscious drivers

These two plans are discussed in detail in the following table —

Tokio Must

Tokio Third Party

Loss or damage to own vehicle Storm, strike, flood, riot, and civil commotion Third-party bodily injury Third-party liability to family members Personal injury cover Windshield damage excess waiver Third-party to non-owned cars New car replacement Oman cover for the insured vehicle Off-road cover Personal accident cover for passengers and driver Loss of use Taxi fare National ambulance cover Fire and theft cover Third-party liability Third-party property damage Emergency medical expenses Loss of personal belongings Self-authorisation repairs Unauthorised driver 24-hour accident and breakdown recovery Excess deductible read more

Third-party liability Third-party bodily injury Third-party property damage Geographical Coverage - UAE National ambulance cover

10. Qatar Car Insurance Company(QIC)

Qatar Insurance Company (QIC), established in 1968, is now one of the best car insurance companies in Dubai. As a leading insurer in the MENA region, it provides exceptional motor insurance and other insurance solutions that have earned it ratings of A/Stable from S&P and A (Excellent) from A.M. Best. 

What Makes QIC Motor Insurance a Dependable Choice?

• 10% online discount at policy purchase
• Flexibility to file and manage claims
• Wide garage network
• Smooth online purchase and renewal process

Suitable For – All vehicle types

Find out more about the best car insurance in UAE —

Basic	Prestige Plus	Prestige	Third-party Liability Only
Windscreen damage excess waiver Emergency medical expenses Personal accident benefit for passengers and driver Off-road cover Roadside assistance Valet parking theft Natural perils Geographical extension to Oman - Damage to own vehicle Third-party bodily injury Personal injury Personal belongings Courtesy car benefit Replacement locks New car replacement Riot, strike, and civil commotion Third-party property damage	Agency repairs Personal injury Personal belongings Personal accident benefit for driver and passengers Courtesy car benefit Replacement locks New car replacement Riots, strikes, and civil commotion Third-party bodily injury Windscreen damage excess waiver Emergency medical expenses Off-road cover Roadside assistance Valet parking theft Natural perils Geographical extension to Oman - Damage to own vehicle Third-party property damage	Agency repairs Personal injury Personal belongings Personal accident benefit for driver and passengers Courtesy car benefit Replacement locks New car replacement Riots, strikes, and civil commotion Third-party bodily injury Windscreen damage excess waiver Emergency medical expenses Off-road cover Roadside assistance Valet parking theft Natural perils Geographical extension to Oman - Damage to own vehicle Third-party property damage	Personal accident benefit for driver and passengers Roadside assistance Geographical coverage extension to Oman (for third party) Third-party property damage Third-party bodily injury

Note: The information on this page is for reference only. To find the best plan for your car, connect with us!

How to Select the Best Car Insurance in Dubai, UAE?

Rather than selecting the first car insurance policy that you come across, it's always recommended to search around for options. This way, you can get better options and attractive deals on the plans. Here are some hacks for selecting the best motor insurance in Dubai, UAE.

• Compare Benefits Before Comparing Prices — When buying your first car policy or switching plans, you'll find many options to choose from. Since not all plans suit every driver or vehicle, it's best to choose a provider that offers various coverage options. Your ideal plan will depend on your needs;  make sure to keep them in mind when comparing your insurance options.
• Check out Network Garages — Another thing to look into when looking for the best car insurance in UAE is the network garages. These garages simplify the claim process by offering cashless repairs, making them a key factor when choosing the right plan. A wide and reliable network ensures faster service, quality repairs, and added convenience for policyholders.
• Claim Process — One of the most important parts of getting the best car insurance in UAE is how easily and quickly claims are handled. Look for insurers that are known for simple claim processes, fast resolution times, and clear communication. 
• Third-Party Vs Comprehensive — Before choosing a plan, assess your needs based on your car's age, value, and usage. New or expensive cars may need comprehensive coverage, while older ones might only need third-party liability. This way, you can avoid overpaying for extras that you don't need.

Policybazaar.ae: Your One-Stop Destination for the Best Car Insurance in Dubai

You can effortlessly apply for the best car insurance in Dubai on Policybazaar.ae. On this platform, you can explore plans from the above-mentioned insurance companies along with additional providers in the country. The company is known not only for its seamless purchasing process but also its exclusive features and exceptional after-sales services through its PB Advantage Program. Here’s what you get —

• 12 free car washes
• 30% safe driver discounts
• Up to AED 1,000 excess waiver 
• Discount on car repairs
• Exclusive Claim Assurance Programme

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Last Updated At - 26 September 2025

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