Car Insurance Dubai

Q: Q.1 How to calculate my motor insurance premium?

Ans: Although there are a lot of factors that play a deciding role in your car insurance’s premium like age, variant, make, etc. you can easily calculate your premium through online car insurance premium calculators by simply putting in the details like model number, car plate number, etc. In case you want a specific quote, you should connect with your preferred insurance provider.

Q: Q.2 How does car insurance work in the UAE?

Ans: Mandated by the law and regulated by the UAE Central bank, all drivers are required to have a third-party liability insurance in the UAE. This covers damages or injuries to third-party vehicles or individuals caused by the policyholder.

Q: Q.3 What is auto insurance and why is it important?

Ans: Car insurance provides financial protection in cases of vehicle damage or bodily injury resulting from accidents, and losses due to fire and theft. In the UAE, it's mandatory to have valid car insurance with at least third-party coverage.

Q: Q.4 What does 'No Claims Discount' mean?

Ans: A 'No Claims Discount' (NCD) is a reward system in place for car insurance policyholders who have not claimed any insurance for a particular period of time. As per the UAE Insurance Authority, a one-year no-claim certificate enables you to claim for up to a 10 percent discount on your premium for the next year. Likewise, if you had it for 2 years and 3 years, you can get a discount of 15% & 20% respectively. Such rates are also subject to changes periodically. It is provided in the form of a discount that leads to reduced premiums and significant savings on insurance expenses. Note that these discounts usually apply to premiums above a certain threshold.

Q: Q.5 How to check auto insurance status online?

Ans: You can verify your car insurance status online by accessing your insurer's online portal directly. If you purchased your policy through policybazaar.ae, you can dial 042-472-904 for assistance or log into your account for more details about your plan.

What is Car Insurance?

Car insurance is a type of general insurance that works to protect the vehicle, passengers and you the driver, from damages and loss incurred in an accident.

Car insurance in Dubai and UAE provides financial protection against accidents, natural calamities, theft, total loss, personal as well as third-party damages. While third-party car insurance in UAE is mandatory by RTA law for all car owners, it is always recommended to have comprehensive car insurance Dubai to ensure complete protection.

*Above mentioned prices are for Honda City EX 1.5L, 2017 model.

Table of Content

What is Car Insurance?
Types of Car Insurance in UAE
Why Should You Buy Car Insurance Through Policybazaar.ae?
UAE Car Insurance Premium Calculator
Difference Between Third Party and Comprehensive Car Insurance in Dubai, UAE
Get the Best Car Insurance Quotes from Top Leading Car Insurers in UAE, Dubai
Choose Best & Cheapest Car Insurance in UAE 2022 - 2023
Find the Best Car Insurance Quotes Online in UAE - 2023
How to Buy Online Car Insurance in UAE Through Policybazaar UAE
Guide for Car Insurance in Dubai
Compare Cheap Car Insurance in Dubai, the UAE
How to File a Car Insurance Claim in the UAE?
Online Vehicle Insurance Renewal in Dubai, UAE
Documents Required to Buy or Renew Car Insurance in the UAE
Get Car Insurance Quotes For Other Emirates of UAE
Car Insurance for Popular Models in Dubai, and the UAE

Key Features of Car Insurance

Key Features	Insurance Benefits Offered
Coverage	Comprehensive
Third-Party Cover	Mandatory, Up to 200,000 on Accident Benefits
Coverage	Up to AED 200,000.
Minimum Premium	Begin at AED 1300.
Process for Claim	Insurer Portals or Offline through their Local Branches.
Claim Assistance	Yes
Savings	Up to 45%
Add-ons Covers	Driver Cover, Passenger Cover, Natural Calamities, Replacement Of Vehicle, Roadside Assistance, Oman Cover
Buy/Renew Process	Online

Types of Car Insurance in UAE

Car insurance can be of two main types Comprehensive insurance and Third party insurance. These two types of insurance are segregated based on the coverage they offer, the scope and the tenure of the plan. It is mandatory to have at least a basic level car protection plan for your vehicle at all times. Any of the two types of available Dubai car insurance can fulfill that requirement for you.

Comprehensive Car Insurance

Comprehensive car insurance in Dubai, the UAE covers damages and injuries of both the insured individual(s) and third parties. This Dubai Vehicle Insurance type covers damages or losses related to the car incurred due to accidents, theft, fire, and more. The cost of a comprehensive car insurance plan varies as per several factors like the driver's age, driving experience, type of car, previous driving record, and so on. On Policybazaar.ae, you can compare different policies from the top insurance providers all at once to make your policy-buying journey even smoother.

Third Party Car Insurance

Third-party insurance is a type of car insurance that covers only damages and injuries caused to a third party in an accident. The cost of third party vehicle insurance in Dubai, UAE is affected by several factors, including the driver's age, driving experience, type of car, and previous driving record. Other factors that may affect third-party insurance costs include the location where the car is registered, the insurance company's policies, and the level of coverage selected by the policyholder. Its necessary to compare policies from different insurance providers to find the best coverage at the most affordable price.

Why Should You Buy Car Insurance Through Policybazaar.ae?

With Policybazaar.ae, you can unlock a wide range of benefits and effortlessly get your desired insurance coverage when you buy motor insurance. Here are the key benefits of obtaining insurance through our digital platform -

Instant Issuance

Personalised expert advice

Guaranteed low prices

Customer satisfaction

Here are just 4 reasons why:

Purchase your car insurance policy through our platform and quickly receive your policy on your registered email ID within a few minutes.
Each individual is assigned an expert to resolve all the related queries and ensure a smooth and hassle-free buying of insurance.
We have multiple plans curated for each individual. With the products on our platform, you can easily get comprehensive coverage at competitive and economical premiums.
Ensuring customer satisfaction is our primary priority. Currently, we have 13,999 Google reviews and a 4.6 rating.

UAE Car Insurance Premium Calculator

Difference Between Third Party and Comprehensive Car Insurance in Dubai, UAE

COVERAGE	THIRD PARTY COVER	COMPREHENSIVE COVER
Third-party bodily injuries	✔	✔
Third-party property damage	✔	✔
Car’s own damages	✖	✔
Personal accident coverage	✔	✔
Car Theft	✖	✔
Add-ons	✖	Accidental coverage Roadside assistance Theft cover Fire accident Car agency repairs Key replacement cover Conveyance benefit Breakdown assistance cover
Get Quotes Now

Get the Best Car Insurance Quotes from Top Leading Car Insurers in UAE, Dubai

Coverage Under Car Insurance Policy in UAE

Third-Party Damage

Covers the cost related to the repair of damages sustained by someone else's vehicle due to an accident caused by your car.

Third-Party Liability

Provides coverage for legal and financial liability arising from third-party injuries or death caused by your car.

Damage to Your Vehicle

This covers the cost of repairing your vehicle in case of damage, typically due to accidents.

Emergency Medical Expenses

Pays for emergency medical costs incurred by you and your passengers as a result of an accident.

Fire & Theft Cover

Provides coverage for damage caused by fire or theft of your vehicle.

Choose Best & Cheapest Car Insurance in UAE 2022 - 2023

Following is a list of the best car insurance Dubai and the rest of the UAE and a brief on the types of insurance covers that they offer:

Insurance Company	Types of Insurance Plans Offered	Plans
ADNIC Insurance	Platinum Cover Gold Cover Standard Cover
AXA Insurance	Comprehensive Insurance cover, Third-Party Liability Cover
RSA Insurance	Motor Executive (Comprehensive), Motor Smart (Comprehensive), Motor Value (Third-Party)
Oman Insurance	Comprehensive Cover Third-Party Insurance InsureMyTesla High Net Worth Covers (premium covers for luxury cars/vehicles)
Noor Takaful Insurance	Comprehensive Insurance, Third-Party Liability Insurance
Orient Insurance	Comprehensive Plans, Third-Party Liability Plans
Salama Insurance	Comprehensive Plans
Tokio Marine Insurance	Comprehensive Plans
New India Insurance	Third-Party Plans, Comprehensive Plans
RAK Insurance	Comprehensive and Third-Party liability

Find the Best Car Insurance Quotes Online in UAE - 2023

Finding the best motor insurance plan for your car in the UAE can be a lengthy process. However, there are a few simple tips you can adopt to make sure you buy nothing but the best for your ride. Here’s how you can find the best car insurance in Dubai:

Evaluate Your Needs: Every driver-owner has a set of unique needs which means that your ideal auto protection plan needs to be customized. So, to buy the right vehicle insurance Dubai for your car is to evaluate your needs. See what you want your vehicle protection plan to cover and find out whether there is anything special you would like to add. For example, if you take your car on dune safaris often, an off-road cover is a must for you. Make a list of all such unique covers your car requires and then start searching for a plan that can satisfy them all.
Scout Through Providers: Finding the best car insurance companies in Dubai or any other emirate is very important. Read vehicle insurance reviews online, talk to your fellow car owners about their auto insurance providers. Choose the one with fair goodwill at the least. Make notes of everything from their plans to the claim settlement process and customer service.
Obtain a Few Quotes: Go ahead and get online car insurance quotes in Dubai for at least your top 3 plans. Compare these final car insurance quotes for Dubai, UAE and find out which insurance plan is the most cost-effective. Comparison of your top options is one of the most important steps to find the best auto insurance in UAE.
Research as Per Your Emirate: If you reside in Dubai, concentrate on finding the best motor insurance companies in Dubai instead of the whole of UAE. This will narrow down your scope of research and make it easier to find providers specific to your area.
Check The CSR: Claim settlement ratio should always be considered before buying an auto protection plan from any particular provider. While you are at it, also find out what kind of claims get rejected or denied the most by the provider. This will give you important insights into the transparency policy of the motor insurance provider as well.
Examine the Coverage: Evaluate the coverage of your auto insurance plan well and see if it includes everything you need. Get a few add-ons if necessary and find the best possible comprehensive plan for your car.

How to Buy Online Car Insurance in UAE Through Policybazaar UAE

Follow these steps to buy car/motor insurance in UAE

Step1- You can visit Policybazaar.ae's car insurance section. - Log on to the website and fill out the lead form.
Step2- Our quotes page with all the suitable plans will appear. Here, you can compare plans and select one that suits your needs.
Step3- Choose the auto insurance plan and the provider you like from this list and proceed to payment page.
Step4- You will be prompted to enter additional details before making a final purchase.
Step5-Finalize the payment and you're set

Guide for Car Insurance in Dubai
Engine Damage and Auto Insurance Cover Guide	Guide to Renew Car Registration in Dubai & Abu Dhabi	Car insurance Cover if my Friend is Driving my Vehicle in Dubai Guide
Guide of Car Insurance Claims in UAE	Guide For New Driver Looking for Car Insurance	Guide for Renewing Your Car Insurance in UAE
Diff b/w Comprehensive & Third-Party Insurance	Guide For Car Insurance in the Desert in the UAE	Guide for Documents Required for Car Insurance in Dubai, UAE

Compare Cheap Car Insurance in Dubai, the UAE

With so many options available to purchase vehicle insurance online, it has become easier to browse through a list of the best car insurance in Dubai, and the rest of the UAE and opt for one that suits your needs. To buy cheap car insurance in UAE, all you have to do is:

Create a List of Insurance Providers

Start by shortlisting several providers. This approach assists you in finding the right vehicle insurance for your car and gain a comprehensive understanding of the UAE insurance market.;

Review Coverage Inclusions

While comparing car insurance quotes, it's crucial to carefully examine the coverage inclusions provided by each policy. By understanding the extent of coverage offered by different plans, you can make an informed decision

Don't Overlook Exclusions

When comparing UAE motor insurance quotes, it's vital to carefully review the exclusions to avoid unexpected gaps in coverage. Understanding exclusions help you identify potential areas of risk and choose a suitable policy.

Consider Add-Ons and Riders

Exploring add-ons and riders is essential for tailoring your coverage to your specific needs. These additional options extend the coverage of your basic policy for enhanced protection.

Explore Discounts and Offers

By considering discounts and offers while comparing motor insurance quotes you can enjoy significant cost savings. Vehicle Insurance providers frequently offer various discounts that can substantially reduce your premium payments.

Read Customer Reviews

Customer reviews provide valuable insights into the real-world experiences of individuals who have used an insurance company's services. These reviews can highlight both positive and negative aspects of the company.

How to File a Car Insurance Claim in the UAE?

The claim process for your auto insurance plan is pretty much the same for all the providers in the UAE. Given below are the basic steps you need to follow to submit a car insurance claim in UAE against your motor insurance Dubai:

Call the vehicle insurance provider and inform them about the claim you need to make about the incident that happened.
Obtain a police report of the incident if it involves theft, accident, collision or other similar kinds of damage.
Call the roadside assistance number provided by your car insurance Dubai and get towing assistance if you need it.
Obtain a claim form from the provider, fill it and attach it with the police report, registration documents of the car and the driving license of the person who was driving the car.
Take the claim documents to the nearest agency garage of your motor insurance company or the one assigned to you. Submit the claim documents there.
The documents will be examined there and a supervisor from the insurance company will evaluate the damage.
Once all these formalities are through, your claim will be approved and the garage will start the repairs.

Online Vehicle Insurance Renewal in Dubai, UAE

Auto insurance renewal in Dubai is a very easy process. Given below are the steps you need to follow to renew your vehicle insurance UAE:

Go to the online renewal portal on the website of your vehicle insurance provider. Log in using your account details.
Fill out the renewal form as per the requirements. You may need details like your policy number, car registration number, and related information like make and model and driving license number.
Select the car plan you need to buy as well as the insured declared value of the vehicle.
Select add-ons as per your requirement.
Make the payment and complete the procedure.
Download the payment receipt and wait for the confirmation email. You will also receive the policy documents via email.

Documents Required to Buy or Renew Car Insurance in the UAE

Given below is the complete set of documents you will need to buy or renew your car insurance in Dubai, UAE at any given time. Online purchases may only require you to submit the details with or without scanned versions of the documents. The offline purchase will require you to bring the originals as well as a few copies, as mentioned below:

Registration details of your car including the registration number. Originals are required when making an offline purchase
Engine number, chassis number and other details related to the car
Personal documents and details of the driver for example, driving licenses, address proof, phone number, etc.
A copy of your passport,resident visa & Emirates ID
Number of your previous insurance policy, if you had any

Get Car Insurance Quotes For Other Emirates of UAE

Abu Dhabi, Sharjah, Ras al Khaimah, Al Ain, Ajman, Fujairah

FAQs About Car Insurance Policy

General
Coverage
Policy
Claim
Premium

Q.1 How to calculate my motor insurance premium?

Although there are a lot of factors that play a deciding role in your car insurance’s premium like age, variant, make, etc. you can easily calculate your premium through online car insurance premium calculators by simply putting in the details like model number, car plate number, etc. In case you want a specific quote, you should connect with your preferred insurance provider.

Q.2 How does car insurance work in the UAE?

Mandated by the law and regulated by the UAE Central bank, all drivers are required to have a third-party liability insurance in the UAE. This covers damages or injuries to third-party vehicles or individuals caused by the policyholder.

Q.3 What is auto insurance and why is it important?

Auto insurance provides financial protection in cases of vehicle damage or bodily injury resulting from accidents, and losses due to fire and theft. In the UAE, it's mandatory to have valid motor insurance with at least third-party coverage.

Q.4 What does 'No Claims Discount' mean?

A 'No Claims Discount' (NCD) is a reward system in place for car insurance policyholders who have not claimed any insurance for a particular period of time. As per the UAE Insurance Authority, a one-year no-claim certificate enables you to claim for up to a 10 percent discount on your premium for the next year. Likewise, if you had it for 2 years and 3 years, you can get a discount of 15% & 20% respectively. Such rates are also subject to changes periodically. It is provided in the form of a discount that leads to reduced premiums and significant savings on insurance expenses. Note that these discounts usually apply to premiums above a certain threshold.

Q.5 How to check car insurance status online?

You can verify your car insurance status online by accessing your insurer's online portal directly. If you purchased your policy through policybazaar.ae, you can dial 042-472-904 for assistance or log into your account for more details about your plan.

Q. Is comprehensive motor insurance coverage mandatory in the UAE?

Ans: No, comprehensive insurance plans are optional in the UAE. However, third-party liability insurance covers are compulsory.

Q. Is off-road damage covered by my motor insurance plan?

Ans: Some insurance plans for car in the UAE cover off-road driving and damages as a basic benefit. Others may require you to buy a separate add-on for off-road damages.

Q. Can auto insurance plans be cancelled anytime I want?

Ans: Yes, you can easily cancel your vehicle insurance plan anytime you want. Simply approach the provider or the broker and submit a cancellation request.

Q. What is the renewal deadline for car insurance UAE?

Ans: You are advised to renew your auto insurance in Sharjah, Dubai and the UAE a day prior to the expiration of last year’s auto insurance. However, in case if you are unable to renew vehicle insurance on time, as per the laws of RTA, you will be granted a grace period of 30 days after the expiration to renew your car insurance UAE.

Q. What is the basic issuable period for car insurance Dubai and the rest of the UAE?

Ans: A standard policy cover is for 13 months and the registration is valid for 12 months. This simply means that you will have to renew the policy after 12 months. However, there is a grace period of 1 month which makes the issuable period to be 13 months.

Q. Is it possible to have more than one policy for the same car?

Ans: No, one car can only be insured under one policy at a time. You can choose to get multiple add-on services but it will still have to be under a single policy only.

Q. Can I add hired drivers to my car insurance plan?

Ans: Yes, You can add as many named drivers to your vehicle insurance plans as you like, including both hired drivers and family members. However, the names should be added with care, as the driving record of every named driver can affect the auto insurance price of your car.

Q. Can I transfer my no claim bonus to another car owner?

Ans: No, the no claim bonus cannot be transferred to the next owner of the car. You can only transfer the no claim bonus to another policy you buy yourself.

Q. What is NCB retention cover and how does it work?

Ans: No claim bonus retention cover is an add-on available with comprehensive insurance plans. The no-claim bonus retention cover allows you to make one or two own damage claims in a year and still keep your no-claim bonus. However, the actual number of claims allowed can differ as per the provider.

Q. Can a filed claim be cancelled?

Ans: Yes, you can always cancel a claim after you have filed it already and happen to change your mind. Just contact the insurance company via your broker or the customer service portal and ask them to initiate the cancellation process.

Q. What effects do car theft devices have on car insurance in Dubai prices?

Ans: The premium of your car insurance Dubai will be higher if it is recognized as a high-risk vehicle by the insurance company and vice-versa. Since anti-theft devices for cars lowers the risk of theft significantly, installing them significantly lowers the premium of policy that you are buying.