Top 10 Car Insurance Companies in Dubai
It is important to have an insurance policy for any vehicle that you own in the UAE, may it be cars (small or luxury) or heavy vehicles (trailers, commercial trucks, vans, etc.). The motor insurance policies in the UAE safeguard the vehicle owner against any mishap that may happen due to unforeseen circumstances. Insurance companies cover losses incurred due to events such as theft, accidents, fire, etc. Insured people also have the privilege to customize the car insurance plan as per their requirements.
The two types of motor insurance plans offered in the UAE are comprehensive insurance and third party insurance respectively. The former is responsible for providing coverage against events such as theft, accidents or fires whereas the latter provides coverage against the damage caused to others by your vehicle. There are several companies that provide the best car insurance in Dubai, but before you make a purchase, it would be wise to know a little about them.
Oman Insurance Company
Oman Insurance Company has been offering the best car insurance in Dubai for more than 30 years. The company offers both comprehensive and third party coverage options for the residents of Dubai. Along with the normal coverage options, some of the additional benefits offered by the Oman Insurance Company are:-
- Agency repair up to 3 years
- 24 Hours Emergency Road Side Assistance
- Third-Party Property Damage ( up to AED 3,500,000)
- Off-Road Coverage for 4WD vehicles excluding safari activities
- Windscreen cover up to the limit of AED 3,000/- with NIL excess
- Coverage against natural disasters, Storm, riot & strike, and earthquake
- Emergency Medical Expenses that cover up to AED 5,000/- per person
- Personal Accident Benefits cover for driver and Passengers up to limit of Dh.200,000/-
- Extension to the whole state of Sultanate of Oman for private vehicles only (double excess)
- A personal accident benefit cover for the passenger as well as the driver (up to AED 2,00, 000/-)
AXA Car Insurance
AXA is one of the largest insurance providers in the UAE. It provides both comprehensive and third party insurance coverage options in the UAE. The duration of comprehensive coverage as offered by AXA is up to 15 years. The best part about AXA is that along with the best car insurance in Dubai, the company also offers additional benefits. Some of which have been mentioned below:-
In case of a total loss provided no depreciation for 24 months, the company provides coverage for the cost of the car, as was in the original invoice.
- Car repairs at dealership/agency or with AXA network garages
- Replacement of vehicle in case of a claim
- 24/7 roadside assistance
- Breakdown Recovery
- Pickup and drop off service in the event the vehicle is in the workshop for repairs.
- Oman extension covers for all the road trips to Oman
AIG Car Insurance
AIG is probably one of the best online portals that offer quick and customized insurance services in Dubai and all of UAE. Their comprehensive policies are specifically designed to cater to the needs of their customers. If you are looking for the best car insurance in Dubai, AIG can be the best place for you.
Al Fujairah National Insurance Company
Al Fujairah National Insurance Company has been providing comprehensive coverage options for more than 40 years in the UAE. The company provides comprehensive and extensive car insurance options for the residents of Dubai. It provides both Comprehensive and Third-Party liability cover to their clientele. Additional coverage options as offered by Al Fujairah National Insurance Company are coverage for the driver as well as the passenger, Oman cover with the orange card, coverage against natural disasters (as mentioned by the insurer), emergency roadside assistance and more.
Noor Takaful provides the best car insurance in Dubai with extensive coverage plans for the loss and damage to the vehicle as well as the person. They offer both third party and comprehensive insurance. The insurance plan offers 24/ 7 roadside assistance, agency repair, off-road cover, and Oman coverage. The company also provides coverage against damage or loss to the car, medical expenses, new car replacement, windscreen damages and loss of personal belongings.
Orient Insurance Company
The company began its journey in the year 1982 and since then has provided comprehensive coverage options to the residents of the UAE. The company offers the best car insurance in Dubai with both comprehensive and third party liability coverage options. The comprehensive coverage of the UAE has further advanced version known as a motor plus. It provides additional options such as:-
- Protection against flood, hurricane, storm, and earthquake or another natural disaster
- Repairs at agency/dealer workshop during the initial 3 years of the car
- Protection against strikes and riots
- Protection for personal effects and clothing against fire and theft up to AED 1,000/-
- Emergency medical expenses due to an accident ( covers up to AED 500/- per person)
- Roadside assistance
- Off-Road coverage for 4WD’s
- Geographical Extension to Sultanate of Oman
- Free Life Insurance Cover for Individuals Insured for AED 100,000
- Legal Liability to immediate family members
Tokio Marine Motor Insurance
Tokio Marine offers both comprehensive as well as third party insurance cover to car owners in Dubai. The insurance cover provided by Tokio Marine Motor Company covers the car even when it is being driven by an unauthorized driver. Legal liability fees are also covered free of charge. This insurance offers 3 years of agency repair, Oman coverage, and off-road cover. However, car owners need to get their vehicles repaired on their own and can file small claims.
The insurance also offers coverage for natural disasters. The insured can also avail of a personal accident benefit cover. With this insurance cover, one can avail of a third party liability up to AED 5 million. This liability coverage may be extended to cover non-owned and non-hired vehicles as well.
Abu Dhabi National Takaful Co
Abu Dhabi National Takaful Co is one of the best car insurance providers in Dubai as well as the entire UAE. They offer coverage to corporate as well as individual users. The benefits offered along with the coverage include 12 months cover, roadside assistance and agency repair up to 3 years. Coverage options also include free towing services in case of mechanical breakdowns, free puncture repairs, free battery boosting, etc.
Gargash Insurance Company provides personally tailored solutions as per the need of the customers for insuring their car. The company offers the best car insurance in Dubai and provides extended agency repairs up to 5 years, Oman Cover, GCC cover and Off-road cover. Along with these, additional benefits such as accident coverage for the passenger and driver, accident and breakdown cover; protection against natural calamities, rent-a-car cover can also be availed.
Salama Takaful Insurance
Salma Takaful offers motor comprehensive (third party), motor comprehensive and vehicle export insurance for the residents in Dubai. In a motor comprehensive insurance policy, the company provides coverage against loss or damage to the vehicle because of an accident. The coverage option also provides protection against theft, burglary, damage due to external explosion, fire and self-ignition. The third-party coverage for death, injury, and damages caused to property can also be availed.
The main criteria to decide which insurance plan to buy is its coverage. The more is the coverage the better is the insurance plan. The above mentioned companies offer some of the best car insurance plans in Dubai and you may visit their websites to compare the coverage options or just visit web aggregator websites such as policybazaar.ae to compare the plans at one portal. However you may compare the policies, but remember that it was very important to have one.