Top 10 Best Car Insurance Companies in Dubai and UAE
Owning a vehicle is one of the most adored and awaited experiences for every individual in their lives. Whether it is an expensive sport or luxury car or a basic family-style car, having your very own car is a feeling that none can beat. So, it is only natural that we all would want to do everything in our power to ensure its well-being and safety. This is why having a well-thought and well-researched car insurance policy in dubai, preferably from best car insurance companies, is essential.
Comprehensive
Third Party
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*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
In order to choose the best, you need to have at least working knowledge of all the top options in front of you. The same goes for the car insurance companies of the UAE. There are several options that you can choose from, naturally, and we have picked the best 10 out of them to help you zero down to one that’s best for you. Following is a comprehensive layout of the top car insurance providers of the UAE with a brief introduction of plans and benefits that they offer:
Best Car Insurance Companies in Dubai and UAE 2023
Here is the list of Best car Insurance companies in Dubai and UAE
1. Oman Insurance
Seen as one of the most reliable car insurance companies in the UAE, Oman Insurance has its headquarters in Dubai and operates in every emirate with a network of over 15 branches in each emirate, Sultanate of Oman, and Qatar as well. Known for its wide business portfolio with a variety of health, life, and property insurance plans, Oman Insurance is one of the top names when it comes to car insurance companies in the UAE. It offers a range of comprehensive, third-party, and special coverage car insurance plans.
Oman Insurance
Available Options
Comprehensive Car Insurance
Third-Party Liability Insurance
InsureMyTesla (tailor-made plan for Tesla owners)
High Net Worth Motor Cover (luxury vehicles)
Third-Party Car Damage Cover
AED 3,500,000 – Comprehensive and Third-Party Liability Covers
AED 5,000,000 –InsureMyTesla and High Net Worth Motor Cover
Windscreen Cover
AED 3,000
Emergency Medical Expenses
AED 5,000
Emergency Road-Side Assistance
Available 27x7x365 for all plan holders
Personal Injury
AED 30,000
Geographical Expansion
UAE and Oman (Qatar as well for High Net Worth Motor Covers)
Agency Repairs
Up to 3 years (comprehensive and third-party plans)
5 years and extendable (for InsureMyTesla and High Net Worth Motor Cover)
Personal Accident Cover (driver/passenger)
AED 200,000 (optional add-on)
Add-Ons
Personal Accident Benefit
Courtesy Car Cash Benefit (included in high net worth motor cover at AED 10,000)
Rent-a-Car Benefit
Off-road Coverage for SUVs (included in high net worth motor cover
AXA Insurance, a France-based multinational company, has been dominating the Gulf insurance market for over 68 years now. AXA offers very competitive comprehensive car insurance plans with a coverage of up to 15 years. The things that set this car insurance company apart from other car insurance companies in the emirates are the well-thought layout, a number of internal options, and several value-added services in form of add-ons. With a range of comprehensive car insurance plans and mandatory third-party insurance, AXA is easily one of the top car insurance companies in the UAE.
AXA Insurance
Available Options
Comprehensive Car Insurance
Motor Prestige Plan
Motor Perfect Plan
Third-Party Liability Insurance
Third-Party Car Damage Cover
AED 3.5 million – AXA Perfect and Third-Party plans
AED 5 million –AXA Prestige plan
Windscreen Damage Waiver
Complete Cover (Prestige)
Up to AED 5,000 (Perfect)
Emergency Medical Expenses
AED 6,000 (Prestige)
AED 3,500 (Perfect)
Emergency Road-Side Assistance
Available 27x7x365 for all plan holders
Personal Injury
AED 20,000 (Prestige and Perfect)
Geographical Expansion
UAE (Oman as well for Prestige and Perfect)
Agency Repairs
Up to 5 years (optional) for AXA Perfect Plans
5 years (included) for AXA Prestige Plan
Personal Accident Cover (driver/passenger)
AED 200,000 (optional add-on)
Off-Road Cover
Available with AXA Prestige and Perfect plans
Add-Ons
GCC Cover (AXA Prestige and Perfect)
Personal Accident Benefits Cover – Driver (all plans)
Personal Accident Benefit Cover – Passenger (all plans)
Al Sagr was established in 1979 and has been working on top of its class as an insurance and reinsurance company ever since. The company was established as a multinational company with its headquarters located in Dubai. Al Sagr is a public shareholding and one of the top car insurance companies of the UAE offering both comprehensive and third-party plans with a multitude of benefits.
The only insurance company in the whole of UAE with its headquarters located in the emirate of Fujairah, AFNIC has almost 80% of its shares owned by the government. The company was formed in the year 1976 it operates in Dubai, Abu Dhabi, and Dibba along with Sharjah. AFNIC is also one of the very few car insurance companies in the country that allows its customers to buy insurance products from insurance ATMs, scattered across the country.
A rather new addition to the list of top car insurance companies in the UAE and the first company to abide by Law 6 (Federal), Noor Takaful has been an epitome of Takaful, Sharia-compliant car insurance plans in not only the UAE but also in the whole of Middle East. Combining the contemporary needs of the customers with the traditional, heart-warming values of Sharia law, Noor Takaful Insurance Company ideally offers car insurance plans that are a proud mixture of both modernity and traditionality
Noor Takaful Insurance
Available Options
Comprehensive Car Insurance
Third-Party Liability Insurance
Third-Party Car Damage Cover
AED 2 million
Emergency Medical Expenses
AED 4,000
Emergency Road-Side Assistance
Available 27x7x365 for all plan holders
Personal Belongings
AED 4,000
Geographical Expansion
UAE
Agency Repairs
3 years (for comprehensive plans)
Personal Accident Cover (driver/passenger)
As per company policies
Off-Road Cover
Covered for comprehensive
Add-Ons
Oman Extension (comprehensive)
Off-road vehicle cover (comprehensive)
Rent-a-Car (comprehensive)
Personal Accident Cover - driver and passengers (comprehensive plan)
Adamjee Insurance is one of the top names that come to mind when we talk about the top car insurance companies in the UAE. Adamjee operates in partnership with the Ministry Economy and was established in the year 1960 as a public entity, registered with Pakistan Stock Exchange. With a diverse business portfolio, Adamjee is well-known in the UAE for offering extensive comprehensive car insurance plans.
Tokio Marine is the largest non-life insurance company in Japan and has been of equal importance in the UAE insurance market since 1976 although it was originally established in the year 1879 in Japan. Apart from UAE, Tokio Marine serves customers of 44 other countries worldwide and is known to be one of the very best car insurance companies in the world. Tokio Marine offers a huge range of comprehensive car insurance plans along with third-party insurance plans for UAE customers today.
Tokio Marine Insurance
Available Options
Comprehensive Car Insurance
Tokio Must
Tokio Smart Plus
Tokio Million Privilege
Third-Party Liability Insurance
Third-Party Car Damage Cover
AED 2 million (Third Party and Tokio Must)
AED 3.5 Million (Tokio Smart Plus)
AED 5 Million (Tokio Million Privilege)
Windscreen Damage Waiver
One-Time Complete Coverage
Unlimited (Tokio Million Privilege)
Emergency Medical Expenses
AED 3,000 (Tokio Must)
AED 4,000 (Tokio Smart Plus)
AED 10,000 (Tokio Million Privilege)
Emergency Road-Side Assistance
Available 27x7x365 for all plan holders
Personal Injury
AED 10,000 (Tokio Must)
AED 15,000 (Tokio Smart Plus)
AED 25,000 (Tokio Million Privilege)
Personal Belongings
AED 2,500 (Tokio Must)
AED 3,500 (Tokio Smart Plus)
AED 5,000 (Tokio Million Privilege)
Geographical Expansion
UAE and Oman Cover for personal damage
Agency Repairs
5 years (Tokio Million Privilege)
3 years (Tokio Smart Plus)
Personal Accident Cover (driver/passenger)
As per company policies
Off-Road Cover
Covered for comprehensive
Add-Ons
Off-road vehicle cover (include in (Tokio Million Privilege)
Personal Accident Cover - driver and passengers (third party)
The aim of Abu Dhabi National Takaful Company is to offer ideal, tailor-made Takaful insurance solutions to the regional insurance market of Dubai and the UAE. Abu Dhabi National Takaful Company was founded in 2003 and has its headquarters located in Abu Dhabi. It is also registered as the very first of the Takaful insurance companies in the UAE and is considered to be one of the best car insurance companies in the country.
Abu Dhabi National Takaful Insurance
Available Options
Comprehensive Car Insurance
Third-Party Car Damage Cover
Included
Emergency Medical Expenses
Covered
Emergency Road-Side Assistance
Available 27x7x365 for all plan holders
Personal Injury/Accident
Covered for the insured driver as well as an employee driver
Salama is the oldest Takaful insurance company in the UAE offering a huge range of Sharia-compliant insurance products. Salama was established in 1979 and has been a shining star of the Takaful insurance industry from the very beginning. It offers wonderful comprehensive car insurance plans with a variety of benefits and add-ons as added benefits to the customers making it one of the best car insurance companies to go with.
With over 60 years of experience in serving its customers in the UAE, RSA insurance has been a big part of the insurance field in the country. The original roots of the company were established some 300 years ago. A very reliable car insurance company in the country, RSA has been functioning in UAE since 1956 and offers a variety of different car insurance plans with a comprehensive list of benefits, as explained below.
RSA Insurance
Available Options
Comprehensive Car Insurance
Motor Executive
Motor Smart
Third-Party Liability Insurance (Motor Value)
Third-Party Car Damage Cover
AED 3,500,000 – Motor Smart and Motor Value
AED 5,000,000 – Motor Executive
Windscreen Cover
Included
Emergency Medical Expenses
AED 6,000 (Motor Executive)
AED 3,500 (Motor Smart)
Emergency Road-Side Assistance
Available 27x7x365
Personal Injury
AED 20,000
Geographical Expansion
UAE and Oman
Agency Repairs
Included
Personal Accident Cover (driver/passenger)
AED 200,000 (separately for the driver and each passenger)
With a myriad of car insurance choices available, it can be hectic to find the best car insurance suiting your needs. Therefore, it is feasible to seek professional advice in choosing the best car plan. Furthermore, being an extensive car insurance market, UAE homes numerous car insurance broker companies to help you find the right car protection plan.
Before taking the plunge to talk about why you should buy your car insurance plan through a broker, do you know who a broker is? A car insurance broker is an individual or a firm that researches various car insurance plan available in the UAE and help you find the best car insurance plan. The services of the car insurance broker in the UAE may or may not be free but surely save a lot of your time and effort. In UAE, you can find both online and offline car insurance brokers, and you can choose either of them at your convenience.
The advantages of buying car insurance through a broker include:
Expert Advice - You may find it challenging to decipher certain insurance terms and wording which a broker can help you understand better, no doubt. Additionally, they have a refined understanding of most car insurance plans that may suit perfectly with your requirements.
Attractive Offers - Insurance companies in the UAE work closely with various insurance brokers and promote their products with timely offers and rebates. Therefore, purchasing a car insurance plan through a broker can offer you numerous discounts on insurance premiums and rates.
Saves Time and Effort - Searching for the right car insurance can take considerable time and effort. Thus, a car insurance broker simplifies your research process through expert advice based on your requirements.
Special Car Insurances - Vehicle insurance for vintage and premium cars may not be available to the general public and are usually sold through car insurance brokers in the UAE. Additionally, you can receive preferential premium rates on your car protection plan.
Conclusion
There is no shortage of good car insurance providers in the UAE for you to pick from and make a final decision. However, every choice that you make should be a well-informed one since car insurance is not only a protective measure but also an investment. Make sure you have done your research and compared car insurance companies and policies using comparison tools available on insurance aggregator websites like PolicyBazaar UAE. Given that you do the needful, you can easily buy ideal car insurance online from your favourite provider.
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