Car Insurance
Comprehensive car insurance in the UAE protects against accidents, theft, fire, natural disasters, and third-party liabilities. It ensures financial coverage for vehicle damage, personal injury, or property loss involving others. As per UAE law, having at least third-party car insurance is mandatory for all vehicle owners.
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Top Car Insurance Policies in UAE to Compare in Covermatch
Orient Comprehensive Insurance
Recommended- Driver Cover
- Passenger Cover
- Roadside Assistance
- Starts from AED1600
Sukoon Comprehensive
Recommended- Driver Cover
- Passenger Cover
- Roadside Assistance
- Starts from AED2000
Tokio Marine Comprehensive
Recommended- Driver Cover
- Passenger Cover
- Roadside Assistance
- Starts from AED1900
GIG Comprehensive
Recommended- Driver Cover
- Passenger Cover
- Roadside Assistance
- Starts from AED1900
New India Comprehensive
Recommended- Driver Cover
- Passenger Cover
- Roadside Assistance
- Starts from AED1800
Fidelity Comprehensive
Recommended- Driver Cover
- Passenger Cover
- Roadside Assistance
- Starts from AED1600
Orient Comprehensive Insurance
Recommended- Driver Cover
- Passenger Cover
- Roadside Assistance
- Starts from AED1600
Sukoon Comprehensive
Recommended- Driver Cover
- Passenger Cover
- Roadside Assistance
- Starts from AED2000
Tokio Marine Comprehensive
Recommended- Driver Cover
- Passenger Cover
- Roadside Assistance
- Starts from AED1900
GIG Comprehensive
Recommended- Driver Cover
- Passenger Cover
- Roadside Assistance
- Starts from AED1900
New India Comprehensive
Recommended- Driver Cover
- Passenger Cover
- Roadside Assistance
- Starts from AED1800
Fidelity Comprehensive
Recommended- Driver Cover
- Passenger Cover
- Roadside Assistance
- Starts from AED1600
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Disclaimer: Prices shown are for Nissan Sunny 2019 Model. Final premiums depend on driver profile, vehicle details, and insurer underwriting.
Compare Comprehensive Car Insurance in UAE
| Insurance Company | Coverage Type | What's Included | Roadside Assistance | Repair Type | Key Benefits | Starting Premium (AED) | Plan Details |
|---|---|---|---|---|---|---|---|
| Orient Insurance | Comprehensive | Own Damage + Third Party | Included | Agency/Non Agency |
| AED 1680 | |
| GIG (Gulf Insurance Group) | Comprehensive | Own Damage + Third Party | Included | Agency/Non Agency |
| AED 2100 | |
| Adamjee Insurance | Comprehensive | Own Damage + Third Party | Included | Agency/Non Agency |
| AED 1680 | |
| Sukoon Insurance | Comprehensive | Own Damage + Third Party | Included | Agency/Non Agency |
| AED 2100 | |
| RAK Insurance | Comprehensive | Own Damage + Third Party | Included | Agency/Non Agency |
| AED 1680 |
Orient Insurance
GIG (Gulf Insurance Group)
Adamjee Insurance
Sukoon Insurance
RAK Insurance
Disclaimer: The above mentioned rates are for a 2019 Honda CR-V registered in the UAE. Actual premiums may vary based on vehicle details, driver profile, claims history, coverage selected, and insurer approval.
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Third Party vs Comprehensive Car Insurance in UAE
Disclaimer: The above prices are indicative for a UAE-registered vehicle with standard coverage. Actual premium may vary based on driver profile, emirate and policy details.
Compare car insurance plans from top UAE insurers.
Get better coverage at the right price.
What Does Car Insurance Cover in the UAE?
Own Damage Cover
Protects your vehicle against damage caused by accidents, fire, theft, vandalism, or natural events. Available under Comprehensive Car Insurance policies in the UAE.
Third Party Liability Cover
Mandatory coverage in the UAE that pays for damage or injury caused to other vehicles, people, or property if you are responsible for an accident.
Additional Protection & Add-ons
Enhance your policy with optional benefits such as roadside assistance, agency repair, off-road cover, replacement car, and Oman coverage.
Personal Accident & Driver Protection
Provides financial compensation for driver injury, disability, or death following a road accident. Some policies also include passenger accident cover.
Types of Car Insurance in the UAE
Motor insurance in the UAE mainly comes in two types: Comprehensive Insurance and Third-Party Liability Insurance. Understanding the difference helps you choose the right level of protection for your vehicle.
Comprehensive Car Insurance
- Accident damage
- Theft protection
- Fire damage
- Natural calamities
- Third-party liability
Comprehensive car insurance offers complete protection for your vehicle. It covers both third-party liability and damage to your own car caused by accidents, theft, fire, or natural events.
Most comprehensive plans in the UAE also include optional add-ons such as agency repair, roadside assistance, personal accident cover, windscreen cover, and off-road cover.
This type of insurance is recommended for most drivers, especially for new or high-value vehicles.
Third Party Car Insurance
- Injury to other people
- Damage to other vehicles
- Property damage
- Legal liability protection
Third-party car insurance is the minimum legal requirement for driving in the UAE.
This policy covers damage or injury caused to another person, vehicle, or property due to an accident involving your car.
However, it does not cover damage to your own vehicle, making it a more basic and lower-cost insurance option.
Why Renew Car Insurance Online in UAE
Renewing your car insurance online in the UAE is quick, secure, and convenient. Whether you live in Dubai, Abu Dhabi, Sharjah, Ajman, Ras Al Khaimah, Fujairah, or Umm Al Quwain, online renewal allows you to compare insurers, update coverage, and renew your motor policy instantly without visiting an office. With digital renewal, you can receive your policy immediately and stay compliant with UAE vehicle registration requirements.
Instant Policy Renewal
Renew your car insurance in minutes without visiting a branch. Online renewal ensures your vehicle remains insured without interruption.
Compare Multiple Insurance Quotes
Easily compare car insurance renewal quotes from leading UAE insurers and choose the best coverage and price.
Quick Document Verification
Upload your Emirates ID, driving licence, and vehicle details online for fast verification during renewal.
24/7 Renewal Convenience
Renew your motor insurance anytime, whether during the day or late at night, without depending on office hours.
Secure Online Payment
Pay your car insurance premium securely using credit card, debit card, or other digital payment options.
No Paperwork Required
Complete your car insurance renewal digitally without printing forms or visiting insurance offices.
Policy Delivered Instantly
Receive your renewed car insurance policy immediately via email once the payment is completed.
Stay Road Legal in UAE
Timely renewal ensures your vehicle remains compliant with UAE traffic regulations and registration requirements.
How to Compare Car Insurance Online in UAE?
How to Compare Car Insurance Online in UAE?
Comparing car insurance in the UAE helps you find the best motor insurance policy at the right price. Instead of renewing the same policy every year, you can quickly compare car insurance quotes from multiple UAE insurance companies online.
With Covermatch, drivers across Dubai, Abu Dhabi, Sharjah, Ajman, Ras Al Khaimah, Fujairah, and Umm Al Quwain can easily review and choose the best car insurance coverage in the UAE that fits their needs and budget.
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Visit the car insurance comparison page on Covermatch. Start by opening the Covermatch car insurance comparison platform to explore plans from top UAE insurance providers.
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Enter your car details. Provide basic information such as car make, model, year of manufacture, registration emirate, and driving history to generate accurate quotes.
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Compare car insurance quotes instantly. View multiple motor insurance plans in the UAE, compare premiums, coverage benefits, excess amounts, and optional add-ons.
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Choose the best car insurance policy. Select a comprehensive or third-party liability policy that suits your coverage needs and budget.
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Buy or renew car insurance online. Complete your purchase securely online and receive your car insurance policy documents instantly via email.
Best Car Insurance Companies in UAE
Disclaimer: The above information is indicative and based on general UAE motor insurance offerings. Coverage, pricing, and benefits may vary depending on the insurer, vehicle type, and policy terms.
Drive Smart. Compare Car Insurance & Save More.
Get instant quotes from top UAE insurers.
Top Companies Offering Car Insurance in UAE
GIG Insurance
Tokio Marine Insurance
New India Assurance Insurance
Methaq Takaful Insurance
Watania Takaful
Sukoon Insurance
Salama Insurance
Alsagar Insurance
Liva Insurance
Union Insurance
Fidelity United Insurance
Adamjee Insurance
Dubai National Insurance
GIG Insurance
Tokio Marine Insurance
New India Assurance Insurance
Methaq Takaful Insurance
Watania Takaful
Sukoon Insurance
Salama Insurance
Alsagar Insurance
Liva Insurance
Union Insurance
Fidelity United Insurance
Adamjee Insurance
Dubai National Insurance
Swipe to see more companies
Points to Consider While Selecting
Car Insurance in the UAE
What Type of Cover Do You Need?
Select Comprehensive Cover for broader protection or Third-Party Cover for minimum mandatory protection under UAE rules.
Repair Conditions & Garage Access
Understand whether your car will be repaired at agency or non-agency garages and check the available network in your emirate.
Compare Quotes Across UAE Insurers
Review prices, policy inclusions, deductibles, and benefits from different insurers before buying or renewing online.
Choose Useful
Add-ons
Enhance your cover with options like roadside assistance, Oman extension, natural calamity cover, and no-claim bonus protection.
What is Covered in a Car Insurance Policy
& What is not Covered ?
Your car insurance policy in the UAE generally covers the following situations:
- Any form of accidental loss or damage to the insured vehicle
- Damage caused by accidents or events such as theft, fire, explosion, flood, storm, natural disasters, riots, strikes, or other unexpected incidents
- Damage or injury caused to third-party vehicle, property, or individuals
- Personal Accident Cover for the driver as per UAE motor policy limits
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Your motor insurance policy in the UAE usually does not cover the following situations:
- Loss or damage occurring when the insurance policy has expired or is inactive
- Normal wear and tear, mechanical breakdown, or depreciation of vehicle parts
- Damage caused while driving without a valid UAE driving licence
- Loss or damage caused while driving under the influence of alcohol, drugs, or prohibited substances
Compare Car Insurance Quotes in UAE
Save on premiums with policies from leading insurers.
Renew Car Insurance in the UAE
Renewing your car insurance in the UAE is essential to keep your vehicle legally insured and financially protected. Motor insurance is mandatory across Dubai, Abu Dhabi, Sharjah, Ajman, Ras Al Khaimah, Fujairah, and Umm Al Quwain, and an expired policy can lead to fines, registration delays, and loss of coverage.
When renewing, you can review your policy, compare quotes from multiple insurers, and choose the right coverage whether comprehensive or third party while checking benefits, repair options, add-ons, and deductibles. Renewing online is quick and convenient and also helps maintain your No Claim Bonus (NCB), reducing your premium if no claims were made. With Covermatch, you can compare leading UAE insurers and renew your car insurance online within minutes.
Benefits of Renewing Car Insurance Online in the UAE
- ✔Compare quotes from multiple UAE insurance companies
- ✔Choose comprehensive or third-party car insurance
- ✔Maintain your No Claim Bonus discount
- ✔Instant policy renewal and digital policy issuance
- ✔Fast and secure car insurance renewal process
How to Renew Car Insurance Online at Covermatch?
Enter Car Details
Fill in your Car registration number and other basic details
Compare & Select Plan
Go through the shortlisted plans, their premiums and choose the best plan
Add Additional Covers
Increase the protection by attaching add-ons like Zero Dep. Engine Protection, etc.
Make Online Payment
Pay premium online through a secure gateway from your credit/debit card, internet banking, wallet, etc.
How to File an Online Car Insurance Claim in UAE?
In case of a road accident in the UAE, you must report the incident to the traffic police and inform your car insurance provider immediately. Here is a step-by-step guide to filing a car insurance claim in the UAE:
- The first step is to ensure safety and assess the surrounding situation
- Record the time, location, and details of the accident
- Note vehicle numbers, driver details, and contact information of all parties
- Report the accident through the police or official accident reporting apps
- If there are injuries, call emergency services and assist the affected person
- Keep your car insurance policy and vehicle registration details ready
- Obtain the official police accident report required for insurance claims
- Inform your insurance company and register the claim immediately
- Submit the required documents and accident report to the insurer
- The insurer will review the damage and approve repair estimates
- Your vehicle may be inspected or directed to an authorized repair garage
- Once approved, the repair will proceed and the claim will be settled
Your Car Deserves the Best Protection
Compare car insurance from leading UAE insurers and save on your premium.
Documents Required to File a Car Insurance
Claim in UAE
To file a car insurance claim in the UAE, you must submit certain documents to your insurance company for verification and claim processing. Having the correct documents helps ensure a faster motor insurance claim settlement.
Car insurance policy document
Valid UAE driving license copy
Vehicle registration card (Mulkiya) copy
UAE Police accident report
Emirates ID copy of the policyholder
Car Cashless Garages
GIG Network Garages
Tokio Marine Network Garages
New India Assurance Network Garages
Methaq Takaful Network Garages
Watania Takaful Network Garages
Sukoon Network Garages
Salama Network Garages
Al Sagar Network Garages
Liva Network Garages
Union Insurance Network Garages
Fidelity United Network Garages
Adamjee Network Garages
Dubai National Network Garages
GIG Network Garages
Tokio Marine Network Garages
New India Assurance Network Garages
Methaq Takaful Network Garages
Watania Takaful Network Garages
Sukoon Network Garages
Salama Network Garages
Al Sagar Network Garages
Liva Network Garages
Union Insurance Network Garages
Fidelity United Network Garages
Adamjee Network Garages
Dubai National Network Garages
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Benefits of Renewing Car Insurance Online in UAE
Car insurance must be renewed every year to keep your vehicle legally insured in the UAE and avoid penalties during vehicle registration renewal. Drivers can renew their car insurance either through an insurance office or online. However, renewing your car insurance online in the UAE offers several advantages such as convenience, quick comparison of policies and transparent pricing. Some of the key benefits include:
Quick & Easy Process
Renew your car insurance online in the UAE within minutes without visiting an insurance office. The digital process reduces paperwork and makes policy renewal simple and convenient.
Easy to Compare Plans
Online platforms allow you to compare multiple UAE motor insurance policies from different insurers and choose the coverage that best suits your car and budget.
Easy to Customize Coverage
You can modify your policy during renewal by adding useful add-ons such as roadside assistance, agency repair, personal accident cover or GCC cover.
No Claim Discount Benefit
Drivers who have not made claims during the policy period may receive a No Claim Discount (NCD) which can reduce the renewal premium.
Secure Online Purchase
Motor insurance renewal in the UAE can be completed through secure digital payment channels, ensuring safe transactions and quick policy issuance.
Transparent Renewal Process
Online platforms provide clear information about premium, excess, coverage and benefits, helping you make informed decisions when renewing your policy.
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GMOHAMMED FARIZ
Best Insurance Platform
Very happy with the service from Covermatch.
via CovermatchSIMON VENKATESAN
Corporate Car Insurance Managed Professionally
I insured my new SUV through Covermatch and the experience was smooth from start to finish. The team was knowledgeable and patient, explaining the difference between policies clearly. I got excellent comprehensive coverage at a very fair price.
via CovermatchJOY AL BALUSHI
Corporate Car Insurance Managed Professionally
I insured my new SUV through Covermatch and the experience was smooth from start to finish. The team was knowledgeable and patient, explaining the difference between policies clearly. I got excellent comprehensive coverage at a very fair price.
via CovermatchCar Insurance Add-ons
Agency Repair Cover
With Agency Repair Cover, your vehicle will be repaired at the authorized dealership or manufacturer’s service center instead of a non-agency garage. This ensures genuine spare parts and manufacturer-approved repairs, which is especially valuable for new and luxury vehicles in the UAE.
Roadside Assistance Cover
Roadside Assistance provides help if your vehicle breaks down, runs out of fuel, has a flat tyre, or requires towing after an accident. Most UAE insurers offer 24/7 roadside assistance services across all Emirates.
Off-Road Cover
Many SUVs in the UAE are used for desert driving and off-road activities. Standard car insurance policies may exclude such risks. With the Off-Road Cover add-on, your vehicle remains protected while driving in desert or off-road terrain.
Personal Accident Cover
Personal Accident Cover provides financial protection to the driver or policyholder in case of accidental injury, disability, or death while driving the insured vehicle. This benefit may also extend to passengers depending on the policy terms.
Oman Extension Cover
If you plan to drive your vehicle from the UAE to Oman, you may need additional insurance coverage. The Oman Extension add-on extends your UAE motor insurance policy to provide coverage while driving inside Oman.
Replacement Car Benefit
If your vehicle is undergoing repairs after an insured accident, the Replacement Car Benefit may provide a temporary replacement vehicle or daily allowance depending on the insurer’s policy terms.
Windscreen Damage Cover
Windscreen damage can occur due to road debris, stones, or minor accidents. Windscreen Cover allows repair or replacement of the windscreen without affecting your claim history in many policies.
Natural Perils Cover
This add-on provides protection against floods, storms, and other natural events that may damage your vehicle. In the UAE, this coverage has become increasingly important after recent heavy rainfall incidents.
Frequently Asked Questions
What types of car insurance are available in the UAE?
In the UAE, drivers can choose between Comprehensive Car Insurance and Third-Party Liability Insurance. Comprehensive insurance covers damage to your own vehicle as well as third-party damages, while third-party insurance only covers damage caused to other vehicles or property. Comprehensive plans also often include benefits such as roadside assistance, agency repair, and personal accident cover.
Is car insurance mandatory in the UAE?
Yes, car insurance is mandatory for all vehicles registered in the UAE. According to UAE regulations, every vehicle must have at least third-party liability insurance before it can be registered or renewed with the traffic authorities.
What does comprehensive car insurance cover in the UAE?
Comprehensive car insurance in the UAE usually covers a wide range of risks including: Road accidents, Theft or attempted theft, Fire damage, Natural disasters such as floods or storms, Third-party damage, Vehicle towing and roadside assistance. Coverage may vary depending on the insurance company and selected add-ons.
What is the difference between comprehensive and third-party car insurance?
The key difference is the level of protection. Comprehensive insurance covers: Your own vehicle damage, Third-party damage, Additional benefits such as roadside assistance and agency repair. Third-party insurance covers only: Damage caused to other vehicles or property. Comprehensive insurance offers broader protection and is generally recommended for newer or higher-value vehicles.
How is car insurance premium calculated in the UAE?
Car insurance premiums in the UAE are calculated based on several factors including: Vehicle make, model, and age, Driver age and driving history, Vehicle value (sum insured), Type of coverage selected, Claims history, Location and usage of the vehicle, Comparing quotes from multiple insurers helps drivers find the most suitable premium.
When should you renew your car insurance in the UAE?
Car insurance should be renewed before the policy expiry date to avoid penalties or vehicle registration issues. Most insurers provide a 30-day grace period, but it is recommended to renew the policy in advance to ensure continuous coverage.
Can you transfer your car insurance to a new owner in the UAE?
In most cases, car insurance policies in the UAE are not transferable to a new owner. When a vehicle is sold, the insurance policy is typically cancelled or adjusted, and the new owner must purchase a fresh policy in their name.
What documents are required to buy car insurance in the UAE?
To purchase or renew car insurance in the UAE, you typically need: Emirates ID, UAE Driving License, Vehicle registration card (Mulkiya), Previous insurance policy (for renewals), Vehicle details such as make, model, and year. Some insurers may also require additional details depending on the vehicle.
How can you reduce your car insurance premium in the UAE?
Drivers can reduce their car insurance premium by: Maintaining a No Claim Discount (NCD), Choosing higher deductibles, Comparing quotes from multiple insurance companies, Installing approved vehicle safety devices, Maintaining a good driving record, Online comparison platforms help drivers find better insurance deals quickly.
What should you do after a car accident in the UAE?
After a car accident in the UAE, drivers should: Ensure everyone is safe, Contact the police or use the traffic authority accident reporting app, Obtain the official accident report, Notify your insurance company, Submit the claim along with required documents, The police report determines fault and is required for insurance claim processing.
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