Best Car Insurance Companies in Dubai

By PolicyBazaar
  | Published: 25 January 2020 | Last Updated On: 18 June 2021

Buy Car Insurance in 30 Seconds !

Average Rating / 5 (ratings ) | 5491 Views
akshay-img

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.

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

Here are the list of Best car Insurance companies in Duabi 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

2. AXA Car Insurance

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
  1. Motor Prestige Plan
  2. 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)

Accident and Breakdown Recovery

24x7 – all plans

3. Al Sagr Insurance

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.

Al Sagr Insurance

Available Options

  • Comprehensive Car Insurance
  • Third-Party Liability Insurance

Third-Party Car Damage Cover

AED 2 Million

Emergency Road-Side Assistance

Available 27x7x365 for all plan holders

Personal Injury

AED 20,000

Geographical Expansion

UAE (Oman as well for Prestige and Perfect)

Agency Repairs

Up to 3 years

Personal Accident Cover (driver/passenger)

AED 200,000 (optional add-on)

Off-Road Cover

Available with AXA Prestige and Perfect plans

Add-Ons

  • Cover for the driver and passengers
  • Personal Effects – Up to AED 2,000
  • Windscreen Cover-Up to AED 2,000
  • Medical Cover-Up to AED 2,000
  • Oman Extension
  • Orange Card Extension

Accident and Breakdown Recovery

24x7 – all plans

4. Al Fujairah National Insurance Company (AFNIC)

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.

Al Fujairah National Insurance Company(AFNIC)

Available Options

  • Comprehensive Car Insurance
  • Third-Party Liability Car Insurance

Third-Party Car Damage Cover

Included

Emergency Medical Expenses

Covered

Emergency Road-Side Assistance

Available 27x7x365 for all plan holders

Driver and Passenger Covers

Up to AED 200,000

Windscreen Damage Repairs

Covered for Personal Cars only

Agency Repairs

Included

Off-Road Cover

Not Covered

Geographical Coverage

UAE + Oman extension (with Orange card only)

Add-On Services

Personal Accident Covers

5. Noor Takaful Insurance

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)

Accident and Breakdown Recovery

24x7 – all plans

6. Adamjee Insurance

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.

Adamjee Insurance

Available Options

Comprehensive Car Insurance

Third Party Car Damage Cover

Covered

Emergency Road-Side Assistance

Available 27x7x365

Geographical Expansion

UAE and Yas Marina Circuits (conditions apply)

Agency Repairs

Covered

Add-Ons

  • Emergency Medical Expenses (AED 5,000)
  • Personal Injury (AED 30,000)
  • Personal Accident (up to AED 200,000)
  • Off-Road Cover (for SUVs)
  • Courtesy Car Cash Benefit

7. Tokio Marine Insurance

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
  1. Tokio Must
  2. Tokio Smart Plus
  3. 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)

Accident and Breakdown Recovery

24x7 – all plans

8. Abu Dhabi National Takaful Company

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

Personal Belongings (in the car)

Covered against fire and theft

Windscreen Damage Repairs

Covered for Personal Cars only

Agency Repairs

Up to 3 years

Off-Road Cover

Covered for 4x4 cars

Geographical Coverage

UAE + Oman extension

Additional Free Services

Flat tire, battery boosting, look-out service, towing, Rent-A-Car (24 hours), and mechanical breakdowns.

9. Salama Takaful Insurance

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.

Salama Takaful Insurance

Available Options

Comprehensive Car Insurance

Third Party Car Damage Cover

AED 3.5 million

Third Party Liability (Family)

AED 200,000

Emergency Medical Expenses

AED 5,000

Emergency Road-Side Assistance

Available 27x7x365

Off-Road Cover

For SUVs (as per the Insured Value)

Windscreen Damage

AED 4,000

Personal Accident Benefit (Driver)

AED 200,000

Personal Accident Benefit (Passenger)

AED 200,000 (each passenger)

Personal Belongings

AED 5,000

Geographical Expansion

UAE and Oman

Add-Ons

  • Agency Repairs
  • Rent-a-Car (10 days)

10. RSA Insurance

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
  1. Motor Executive
  2. 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)

Add-Ons

All Plans:

  • Rent-a-Car Benefit
  • GCC Cover

Only Motor Smart:

  • Personal Accident Cover
  • Agency Repairs
  • Breakdown Recovery

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.