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Top 5 Car Insurance Companies in Dubai

Top 5 Car Insurance Companies in Dubai
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If you are going to buy a new car then it is important to know about car insurance and best car insurance companies in Dubai apart from knowing about the best cars. Buying car insurance is not an option but it’s a legal compulsion. As per the law, it is mandatory to buy car insurance in the UAE.

Well, there are two types of car insurance policies, one is third-party car insurance and the other one is a comprehensive car insurance policy. Third-party car insurance plan provides the minimum level of coverage and it only covers the insured person’s legal and financial liability in the unfortunate event such as death or bodily injury to any third party. This car insurance policy extends coverage to third-party property damage caused by the insured vehicle. Whereas comprehensive insurance policy is the most superior kind of protection you can provide your car with. It is one step ahead of the third-party car insurance plan as it offers extensive coverage and provides more services. Unlike third-party insurance, a comprehensive car insurance policy covers damages to the car, theft, legal liability to third-party and personal accident cover. The insurance policy coverage can also be modified by choosing add-ons like zero depreciation cover, roadside assistance, medical expenses, GCC coverage etc. That is why it is recommended to buy comprehensive insurance plan as it provides end-to-end coverage.

While buying an insurance plan for your car, make sure you choose the best car insurance company as there are a plethora of auto insurance companies in the UAE that offers car insurance. But not all of them are reliable and meet your insurance needs. To make this task easier, below we have shortlisted the five best car insurance companies in Dubai. In no particular order, take a look at the most reputable car insurance provider:

HSBC Car Insurance

Existing customers of HSBC can buy AXA car insurance to protect their car from any unforeseen event. AXA car insurance in Dubai, provided through HSBC, is the largest global insurance provider that offers an extensive range of car insurance covers to meet your insurance needs. It covers all the risks and troubles you may experience on the road in a comprehensive manner. It provides the below-mentioned benefits:

  • Any loss or damage to the insured vehicle
  • Theft and fire coverage
  • Riot, storm, flood, and strike
  • Third-party property damage
  • Third-party bodily injury
  • Legal liability extended to family members as third-party
  • Coverage for personal injury
  • Emergency medical expenses as well as personal belongings coverage
  • Off-road coverage
  • Agency repair
  • Guaranteed repairs
  • Oman extension cover
  • Waiver of excess for windscreen damage
  • Personal accident benefit to driver and passengers
  • The benefit of hire car
  • 24-hour accident and breakdown recovery
  • GCC coverage
  • Pickup and delivery

Union Car Insurance

Whether you drive an Aston Martin Valkyrie on the roads or a hatchback to beat the traffic, your valued car requires an apt car insurance coverage as it is mandatory to buy car insurance in the UAE. Ranging from the basic to a wide range of optional benefits, Union Car Insurance Company offers comprehensive and affordable auto insurance packages. They are customized to fit the insurance needs of its policyholders. It basically provides the following key coverage:

  • Superior agency repairs coverage
  • Hire car
  • Replacement car at discounted rates
  • Motor Shield Cover - Coverage for involuntary loss of employment
  • No claim discounts for affordable coverage
  • Inbuilt personal accident coverage up to AED 1 million
  • Comprehensive auto assist services which include roadside recovery, airport pick and drop off facility, and a lot of other concierge services
  • Complimentary emergency medical expenses as well as personal belongings coverage

Noor Takaful Car Insurance

Noor Takaful helps you discover the Car Takaful that provides you with absolute peace of mind behind the wheel. Not only it provides coverage for loss or damage but also assured of quick and hassle-free claim service. Here is the insurance coverage offered by Noor Takaful Car Insurance.

  • Loss or damage to your vehicle
  • Third party property damage or bodily injury
  • Natural calamities
  • Superior agency repair
  • 24x7 roadside assistance
  • No claim discounts
  • Emergency medical expenses as well as personal belongings coverage
  • Waiver of excess for windscreen damage
  • Replacement of a new car
  • Valet parking coverage
  • Off-road coverage
  • Personal accident benefit for driver and passengers
  • Oman extension
  • Hire car

Salama Car Insurance

Salama Islamic Arab Insurance Company is one of the leading car insurance companies that provide a wide range of tailor-made TAKAFUL not only in Dubai but also in the UAE. This insurance company religiously follows Shari’ah principles. The contemporary approach of Salama Insurance in Islamic sector has made it a unique and reliable car insurance provider in the country.

Salama Car Insurance is designed to safeguard you and your vehicle from the unfortunate events. The car insurance policies of Salama insurance come with a wide range of features:

  • No claim bonus protection
  • Personal accident coverage for both driver and co-passengers
  • Hassle-free claim registration
  • Extra benefits for enhanced protection and care
  • Fast and speedy repairs through CARS- ‘A’ grade garage network

AIG Car Insurance

AIG car insurance is one of the best car insurance companies designed on keeping the customer’s safety on priority. In short, it is one stop for all car insurance needs. It offers you fast and online quotes which will eventually help you to customize and decide the car insurance for you. AIG car insurance provides the following key benefits with its insurance:

  • Superior agency repair
  • Roadside assistance
  • GCC coverage
  • Ambulance fees
  • Key replacement
  • Personal effects
  • Personal injury
  • Social perils
  • Registration
  • 6 months clause
  • Legal liability
  • Off-road coverage

Besides these benefits, AIG car insurance provides some optional benefits and they are as follows:

  • A personal accident for driver and passengers
  • Windscreen coverage
  • Protected no claim bonus
  • Dent repair
  • Natural perils
  • 12 months waiver of depreciation
  • Hire car
  • Hire car cash benefit

Final Verdict!

These are some of the best car insurance companies along with the benefits. Please note that the list is not biased, it is for reference purpose only.

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