Union Car Insurance

Union Insurance Company offers affordable comprehensive and third-party liability car insurance plans in the UAE. The car insurance provider is known to offer financial coverage in case of third-party damages, damage to own car, theft or fire, an accidental overturning of the vehicle, valet parking theft, damage due to riots and strikes, and much more.read more read more

Written ByNupur JainSenior Content Writer (Expertise - Motor Insurance)

Reviewed ByToshita Chauhan BalochiChief Business Officer – General Insurance @ Policybazaar.ae

Last updated on 15 October 2025Editorial Standards

Best Union Car Insurance Plans in UAE

Some of the best and the cheapest car insurance quotes in Dubai are:

*Above mentioned prices are for Honda City EX 1.5L, 2022 model.

Union Insurance Company was established in 1998. It is listed on Abu Dhabi Securities Exchange and is also certified by the UAE Insurance Authority. The company has a strong presence in the UAE car insurance market. It provides its customers with the most innovative and comprehensive insurance products.

It offers both standard and personalized insurance cover to individuals, SMEs, large enterprises, and government bodies in the UAE. It is one of the renowned providers of car insurance in Dubai, UAE and it continues to provide a sense of security to its customers by offering financial protection against all the potential risks.

Additionally, its team of dedicated professionals offers insurance services like risk evaluation and gap analysis of policy coverage to the customers, making individuals and companies pick the best insurance products and services available in the market..

Why Union Motor Insurance?

Union Insurance provider offers affordable and comprehensive motor insurance plans that not only offer the basic benefits of car insurance but also offer to many optional benefits and are personalized to align with your existing as well as evolving needs. It offers an unbeatable service experience to its consumers. Additionally, the Union Motor’s car insurance renewal process is simple and hassle-free, guaranteeing an amazing customer service experience.

The company has designed multiple car insurance plans for you to select from, and they will assist you every step of the way.

Types of Union Car Insurance Plans

Union Car Insurance has Worked strenuously to develop a wide variety of unique packages to meet the particular requirements of its customers. Currently, there are 3 types of Union Car Insurance Plans in the UAE market. Each of these car insurance plans offer their own combination of services and rewards as detailed below.

Union Motor Standard Comprehensive Plan

This motor insurance plan as the name suggests offers a comprehensive cover to your vehicle. It ensures complete protection against any unfortunate road events that threaten you and your vehicle. The vehicle insurance renewal of this policy is equally customer-friendly, adding to its popularity. Mentioned below are the key features of the Union Motor Standard Comprehensive plan:

The Union Motor Standard Comprehensive plan offers third party property damage up to AED 3.5 million
The plan also offers coverage for theft as well as fire
Union Insurance covers accident of overturning under this plan
The personal accident benefit offered to the driver under this plan is up to AED 200,000
This plan also offers a personal accident benefit to the family members of the policy holder up to a sum of AED 200,000
This Union Insurance plan covers the ambulance services in case of an acident up to a sum of AED 6,770
It covers vehicle damage caused due to natural calamities alongwith riots and strikes under its aegis
The emergency medical expenses covered under this plan is up to AED 3,000
Roadside assistance is covered under the Silver plan for the users of the Union Motor Standard Comprehensive plan

Key Benefits of the Union Motor Standard Comprehensive Plan

The Union Motor Standard Comprehensive plan covers valet parking theft
It covers unlimited third party bodily injury
The Union Motor Standard Comprehensive plan is valid all accross the UAE as well as Oman
It offers replacement of vehicle locks up to AED 1,000
A waiver of mandatory excess up to AED 1,000 is provided under this plan for windscreen damage
Auto gap for brand new vehicles is offered under this insurance plan for a period under 6 months
Coverage up to AED 10,000 is offered for personal injjury caused to the insured and/ or their spouse
Agency repairs for the insured vehicle is offered for a period lasting up to 5 years

Union Motor Superior Comprehensive Plan

This insurance plan by Union Insurance makes sure to offer the policy holder a best in the world experience with its wide selection of optional benefits that enhance your coverage manifold. It also comes with an extremey quick and efficient car policy renewal to make it all the more appealing. Given underneath are the features of the Union Motor Superior Comprehensive plan:

The Union Motor Superior Comprehensive plan offers third party property damage up to AED 5 million
This Union Insurance policy covers accident of overturning under this plan
The personal accident benefit provided for the driver under this plan is up to AED 200,000
It also offers a personal accident benefit to the family members of the policy holder up to a sum of AED 200,000
It covers vehicle damage caused due to riots and strikes alongwith natural calamities under its aegis
This Union Insurance plan covers the ambulance services in the event of an acident up to a sum of AED 6,770
The emergency medical expenses covered under this plan is up to AED 6,000
It also offers coverage for theft as well as fire
Roadside assistance is covered under the Gold plan for the users of the Union Motor Superior Comprehensive plan

Key Benefits of the Union Motor Superior Comprehensive Plan

The Union Motor Superior Comprehensive plan covers valet parking theft
This plan offers coverage for personal belongings as well up to a sum of AED 5,000
It offers replacement of vehicle locks up to AED 5,000
It offers an off road cover for 4 wheel drive
The Union Motor Superior Comprehensive plan is valid all accross the UAE as well as Oman
This plan covers unlimited third party bodily injury
An unlimiteed waiver of mandatory excess is provided under this plan for windscreen damage
Auto gap for brand new vehicles is offered under this insurance plan for a period lasting less than 12 months
Coverage up to AED 20,000 is offered in the event of personal injjury caused to the insured and/ or their spouse
The Union Motor Superior Comprehensive plan covers even the car registration service
Agency repairs for the insured vehicle is offered under this plan for a period lasting up to 5 years

Union Motor Third Party Plan

Union Motor Insurance has something to offer everyone. At the same time, the vehicle insurance renewal if this plan is extremely quick and easy. This basic insurance plan covers the damages to the third party by your vehicles, ensuring you and stress never collide. Given below are the prominent features of the Union Motor Third Party plan:

The Union Motor Third Party plan offers third party property damage up to AED 2 million
This Union Insurance plan covers the ambulance services in the event of an acident up to a sum of AED 6,770
The personal accident benefit provided for the driver under this plan is up to AED 200,000
It also offers a personal accident benefit to the family members of the policy holder up to a sum of AED 200,000

Key Benefits of the Union Motor Third Party Plan

This plan covers unlimited third party bodily injury
The Union Motor Third Party plan is valid all accross the UAE

Let us look at a comparative chart of the different car insurance plans offered by Union Insurance for your ease and convenience

Features	Union Motor Standard Comprehensive Plan	Union Motor Superior Comprehensive Plan	Union Motor Third Party Plan
Third party bodily injury	Unlimited	Unlimited	Unlimited
Third party property damage	Up to 3.5 million	Up to 5 million	Up to 2 million
Theft and fire	Covered	Covered	-
Natural calamities	Covered	Covered	-
Accident of overturning	Covered	Covered	-
Ambulance services	Up to AED 6,770	Up to AED 6,770	Up to AED 6,770
Driver’s personal accident benefit	Up to AED 200,000	Up to AED 200,000	Up to AED 200,000
Geographical validity	In UAE and Oman	In UAE and Oman	In UAE
Personal accident benefit for family	Up to AED 200,000	Up to AED 200,000	Up to AED 200,000
Personal belongings	-	Up to AED 5,000	-
Riots and strikes	Covered	Covered	-
Vehicle replacement	Additional premium applicable	Additional premium applicable	-
Locks replacement	Up to AED 1,000	Up to AED 5,000	-
Emergency medical expenses	Up to AED 3,000	Up to AED 6,000	-
Valet parking theft cover	Covered	Covered	-
Mandatory excess waiver for windshield damage	Up to AED 1,000	Unlimited
Off-road cover (4-wheelers)	-	Covered	-
Personal injury to the insured and/or spouse	Up to AED 10,000	Up to AED 20,000	-
Auto gap (for new vehicles only)	Under 6 months	Under 12 months	-
Car registration service	-	Covered	-
Airport pickup and dropoff	Additional premium applicable	Additional premium applicable	-
Roadside assistance	Silver plan	Gold plan	-
Taxi fare	AED 100	AED 250	-
Service center pickup and dropoff	Additional premium applicable	Additional premium applicable	-
Agency repairs	Up to 5 years	Up to 5 years	-

Each of these plans caters to the specific needs of its policy holder and the car policy renewal service offered by Union Insurance adds to the popularity among car buyers all over the UAE.

Have a look at the Union Car Insurance Policy Benefits Below –

Key Coverage:

Agency Repair Service - It is one of the most sought-after features of a comprehensive car insurance plan. In case of any accidental damage, the insurer will get your car repaired through the authorized service center of your vehicle.
Replacement of Vehicle - This provision is provided to help the customer in obtaining a replacement on behalf of the customer’s own car which is the garage -post-accident for repairs.
Exclusive Motor Shield Cover - The customer can avail this benefit if it has impacted the customer’s job which took place due to any wrongful termination, under which the paid insurance premium will be taken care of by Union Motor Insurance.
Discounts - Avail discounts for every claim-free year and get rewards for your great driving skills and concessions on car insurance renewals.
Free Covers - Replacement of car lock, Windscreen damage cover.
Superior Auto Assist - The policy includes facilities such as roadside assistance, airport pick-up & drop-off, and many other concierge services.
Medical Assistance - Free emergency medical expenses cover
Personal Accident - This car insurance plan involves an inbuilt cover for a personal accident of up to AED 1 million.
Personal belongings cover is also provided up to a specified limit.

Special Features of Union Insurance

The company offers a special Etisalat Smiles Auto Insurance scheme to provide the maximum coverage to its customers. Some of the benefits of this plan are listed below.

You can earn 1,000 Etisalat Smiles Points for every AED 100 of the premium paid
Agency repair assistance for up to 5 years
Free Motor Shield - Loss of employment due to any wrongful termination is covered up to AED 5,000
Waiver of Deductibles for Windscreen Damage
24*7 emergency roadside assistance
Ambulance cover
Coverage against natural disasters
Sim security benefits
Coverage extended to Qatar & Oman (Own-damage, Orange card is mandatory for Third-party Liability)
Personal belongings cover up to AED 5,000
Valet parking theft cover
Off-road service, if your vehicle is within 5 meters from the road (for station vehicle only)
Auto gap cover (for brand new vehicles not older than 6 months)
Lock replacement cover up to AED 1,000
Compensation for emergency medical expenses up to AED 6,000
Motor registration service
Dedicated customer care executives to ensure a quick response time

Optional Benefits of Union Car Insurance Policy

Listed below are some of the optional benefits offered by this Union motor insurance plan.

One time pick-up & drop-off facility of the vehicle to the service center
One time pick-up & drop-off facility to the airport
Courtesy vehicle cash benefit
Replacement of Vehicle for 5, 7, or 10 Days

Claim Procedure followed by Union Motor Insurance in the UAE

You can follow a 4-step, simple claim process for Union car insurance in Dubai, UAE. Their dedicated claim processing team helps the insured in resolving claim requests on time. You can also settle claims online-

Simply log on to the claims section on the official website of Union Insurance Company
Submit all the required documents
The claim will be processed (if rejected, you can get in touch with them and re-submit your documents)
Claim approval notification will be sent to you

Car Insurance Renewal Procedure followed by Union Motor Insurance in the UAE

One can follow a 5-step, car policy renewal process for Union car insurance in Dubai, UAE. Its quick, its easy and more importantly, anyone can do it from the comfort of their couch. Their dedicated car insurance renewal team helps the insured in case of any queries. All one has to do is:

Visit unioninsurance.ae to begin the policy renewal of your car
Confirm all your policy details by filling in the policy number along with the last 3 digits of the chassis number
Review your existing plan. Make any required changes as per your needs
Select and confirm the plan you want to choose
Hit the ‘checkout’ button and viola! your vehicle insurance renewal is complete

Enjoy a discount of up to 10 percent upon finishing your car insurance renewal online.

Important Articles Related Union Car Insurance
Union Car Insurance Reviews	Union Car Insurance Claim
Union Car Insurance Garage List	Union Comprehensive Car Insurance
Union Third Party Car Insurance

Union Car Insurance FAQs

Q1. Do they provide insurance to corporates?

Ans: Yes, they do have special plans for corporates as well. You can easily buy one from their site and can also renew an existing corporate plan.

Q2. What is a Comprehensive Motor Insurance policy?

Ans: It protects against any physical losses or damage to the vehicle, the insured and the involved third-party along with roadside assistance. There are other additional benefits, which vary according to different plans levied by the insurer.

Q3. What do you mean by No Claims Discount (NCD)?

Ans: For every claim-free year, your insurer provides you with some discount on your existing policy premium as a reward for driving safely throughout the year.

Q4. What are Deductibles or Excess in a car insurance scheme?

Ans: At the time of claim payment, the insurer will reimburse a certain percentage of the amount and the remaining amount (excess or deductible) shall be paid by the insured. This is as per the policy provisions which may vary from one scheme to another.

Q5. What is the limit of the coverage provided in case of any loss or damage to personal belongings in an event of an accident?

Ans: AED 5,000 is provided by Union Motor Insurance Company.

Q6. What is the insurance limit for personal accident cover?

Ans: Union motor insurance in the UAE provides AED 1 million as personal accident cover to the insured members.

Q7. Am I covered against any damage that is caused due to natural calamities?

Ans: Yes, the insurer compensates for any loss or damage arising due to natural disasters as per the policy wordings. Please check the same before making the purchase.

Q8. Can I purchase and renew my car insurance policy online?

Ans: Yes, you can easily purchase and renew your car insurance policy online.

Q9. What is an agency repair service?

Ans: In case, of any accident or damage, your car will get repaired at the manufacturer’s/Dealer’s garage and the insurance company will bear the cost.

Q10. Can I get emergency medical assistance?

Ans: Yes, Union motor insurance provides emergency medical assistance to its insured customers.

Reviews & Ratings

★★★★★4.7 / 5

(based on 43,419 reviews)

Veli kaplanAbu Dhabi, 27 May 2026

★★★★★

Quite Affordable Car Insurance in the UAEPolicybazaar.ae was the place where I found the cheapest car insurance in UAE, but without any compromise on what I wanted in coverage. Got a solid comprehensive plan and the difference this time was I thoroughly informed by the team, so chose only the necessary add-ons and saved on costs.

Shyla beeviDubai, 23 May 2026

★★★★★

Hands Down the Best Place for Motor Insurance in the UAEI'd heard of PB.ae from a colleague and decided to try out for car insurance this time. Turns out, this was the best decision with how easy the whole journey was. Never did I ever expect to find the best policies with this much clarity, and that too with detailed explanations. Best site, delivered a 10/10 experience.

Laura Anne HaigDubai, 11 May 2026

★★★★★

Sound Advice on Car InsuranceCredits to Policybazaar.ae for getting me the best car insurance in UAE. The website was great as I could see the top plans, prices and whatnot, but the team was outstanding too. They took time and understood my requirements without rush. This zero pressure thing worked with me, like I actually made an informed choice!

Salma ElgerbyDubai, 5 May 2026

★★★★★

Helpful Experts and Clear Car Insurance OptionsPB people made it easier for me to understand car insurance plans in Dubai. The experts explained the important points in simple language and helped me compare the available options. I could check the premium, coverage and benefits before deciding. The experience was good and I did not feel pushed into buying something I did not need. So YESSSSSS!!!

YasirDubai, 28 April 2026

★★★★★

Expert Advice Made Car Insurance EasierI was not sure which car insurance in the UAE would be right for me. The expert advice from Policybazaar.ae really helped. Instead of just looking at the premium, I understood what coverage I should check, what add-ons may be useful and what things I should avoid. It made me feel more confident before buying the insrance.

Lino JohnDubai, 19 April 2026

★★★★★

Good Platform for Comprehensive Insurance in DubaiI wanted comprehensive car insurance in Dubai and was not sure which plan would offer the right coverage. Policybazaar.ae showed multiple options from different insurers, which helped me compare prices and benefits easily. I liked that I could see important details like coverage, add-ons and claim support before making a decision. It felt more transparent than choosing a plan blindly.