Union Car Insurance

Union Car Insurance

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 offer insurance services like risk evaluation and gap analysis of policy coverage.

Why Union Motor Insurance?

Whether you drive a hatchback or a sedan, an adequate car insurance policy is required to protect it against any unforeseen loss or damage.

Union car insurance provides affordable and comprehensive cover not only to your car but to you as well.  You can choose from standard benefits and optional benefits to safeguard yourself against many risks. There are multiple car insurance packages to choose from; you can check with your provider at the time of purchase.

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 official dealer of your vehicle.
  • Courtesy Car and Replacement Vehicle - This provision is provided to help you with the cost of a spare car until your car is repaired. It will be provided at a discounted rate by Union Motor Insurance in the UAE.
  • Exclusive Motor Shield Cover - You can avail exclusive job loss cover, under which your insurance renewal 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, valet parking theft, to name a few.
  • Personal Accident Cover - It is already included in the insurance scheme, and a cover of up to AED 1 million is provided.
  • Superior Auto Assist - Its comprehensive auto-assist service involves airport pick-up and drop-off facility, responsive and hassle-free roadside assistance, and a host of other services as mentioned in the policy wordings.
  • Medical Assistance - Free emergency medical expenses cover
  • 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 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 - Unforeseen loss of employment is covered up to AED 5,000
  • Waiver of Deductibles for Windscreen Damage
  • 24*7 emergency roadside assistance
  • Ambulance cover
  • Coverage against natural disasters
  • Coverage extended to Qatar and Oman (only for own-damage, you can buy third-party cover at the border)
  • 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 call-center team to ensure quick TAT (Turn Around Time)

Optional Benefits of Union Car Insurance Policy

  • Courtesy car cash benefit
  • Vehicle replacement for 5, 7 or 10 days
  • One pick and drop facility to the airport (as per the policy wordings)
  • One pick and drop facility to the service center (as per the policy wordings)

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 in a timely manner. You can also settle claims online  -

  • Simply log on to the claims section on their website - unioninsurance[dot]ae
  • 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


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.

It offers protection against physical loss or damage to the vehicle, the insured and the involved third-party along with roadside assistance. There are other additional benefits as well, which vary from one insurer to another.

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.

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.

Personal belongings cover of up to AED 5,000 is provided by Union Motor Insurance Company.

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

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.

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

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.

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