It is essential to have insurance for any vehicle you own in the UAE, whether it is a small or luxury car or a large vehicle (trailers, commercial trucks, vans, etc.). The UAE’s auto insurance plans shield car owners against any mishaps that could arise due to unexpected circumstances. Insurance firms pay for damages caused by things like fraud, injuries, and fire. Insured individuals may also tailor their auto insurance plans to meet their own needs. Comprehensive insurance and third-party insurance are the two forms of auto insurance policies available in the UAE. The former is in charge of providing compensation in the case of robbery, collisions, or explosions, while the latter is in charge of providing coverage for harm caused to others by your car. There are many companies that provide the best car insurance in UAE, but it’s a good idea to learn a bit about them before making a decision. You may find the best car insurance in UAE here.
Car Insurance
Car Insurance helps protect your car against the expenses caused by unforeseen events.
Car insurance protects insured individuals against the cost of theft, accident, third party liability, and mishaps. The car insurance covers all the legal liabilities, physical damages, traffic collision expenses, and bodily injuries to the owner of the car and third party.
Benefits of Having Car Insurance in The UAE
The are many benefits associated with having car insurance, namely:
- Unlimited liability for third parties in the case of death or injury due to the accident
- Protection from financial liabilities
- Protection from loss of car or damage to your vehicle
- Protection from the cost of third-party property damages
Types of Car Insurance in the UAE
Car Insurance policies offered in the UAE can be broadly categorized into two main categories, Third-party and comprehensive car insurance policies. A comprehensive information about both the policy types is given below to give customers a better understanding of the same.
Third Party Liability Car Insurance
Third-party car insurance policy is mandatory for all car owners in the UAE. Third-party insurance protects any liability arising from third-party bodily injuries or any property damages caused by the insured vehicle. This is the cheapest form of car insurance as it offers protection to the aggrieved third party and is compensated for the expenses caused by the insured car.
The damage cost to the policyholder for instance in the case of accidental collision, fire, and theft is not usually covered by the third party. Anyone who is buying third party insurance should be prepared to meet the personal car repair expenses arising from the incident from his/her pocket.
Comprehensive Car Insurance
Comprehensive car insurance not only pays out for all the third party liability caused by the accident but also insure damages sustained to the policyholder. All the third party liabilities that include damages, injuries, and compensation for the death to a third party are covered under comprehensive car insurance. All the personal liabilities of the policyholders arising from the incident such as personal injury, damage to the car, and so on will be covered under this insurance as well. Naturally, the premium for comprehensive insurance is more than third party insurance for the very same reason.
What is Covered in Car Insurance Policy taken in UAE?
Car insurance policies usually provide a set of common services to the policyholders:
- Towing Assistance - In the case of a vehicle breakdown or accident towing assistance to the nearest shop is provided. The cost associated with roadside assistance service is available if included in the insurance policy
- Extraction and Removal - Crane assistance is provided to extract or remove the insured car from the site of the incident, in case the car breaks down due to an accident
- Flat or Leaking Tyre Assistance - On the occasion of a tire going flat, the insurer will assist in providing tire removal or replacing services without any labour charges
- Dead battery and Refuelling - Assistance is provided to jump-start the insured car engine in order to take it to the nearest garage for repairing the same. Refueling assistance is provided if the car runs out fuel while driving on the road
- Unlocking Ignition Key - Roadside assistance is provided to unlock cars in the case if the keys are accidentally left inside the car
Additional Covers
if you need additional support from your insurer keeping in mind your specific driving situations or conditions foreseen in your area that could affect your car in some ways, you can always opt for additional car covers.
- Personal Accident Cover - Personal accident cover covers both the passenger and the driver of the insured card in case of death or injury caused due to an accident
- Off-road Coverage - Policyholders will cover the possible damages caused to the vehicle while driving off-road
- Windscreen damage cover - It is offered by a handful of insurance companies in UAE as a whole. Nevertheless, it is an option available for the customer to add to the existing insurance cover. The insurance covers the cost of replacement or repair of the damaged windscreen
- Agency Repairs - Most vehicle insurance companies in UAE offer agency repair services extension for a period of 5 years.
- Car rental cover or Cash Benefit - Car hire cover is the most frequently used add-on for vehicle insurance in UAE. The insurance provider will compensate for the cost of hiring another car. Very few insurers provide cash benefits while the insured car is undergoing repair
- Coverage to Personal Belongings or Emergency Medical Expenses - In the case of loss of personal belongings the insurance provider will cover the entire loss or damage. Emergency medical expenses can be covered with emergency medical expenses coverage policy.
- Large Third-Party Cover - The policyholders can avail a massive third-party coverage on their car insurance as an optional extra component.
- Free Pick-Up and Drop-Off - With the insurance pick-up and drop-off cover, the insurance companies in UAE offer pick up and drop off services to the airport.
- Natural Calamity Cover - As an add on natural calamity cover helps protect the policyholders from the losses caused by natural calamities.
- GCC Cover/Oman Cover - GCC Cover/Oman cover is for people who drive cars across borders to neighboring countries. GCC Cover/Oman cover provides the much required territorial coverage.
Car Insurance in UAE Exclusions
Car insurance will not be provided if the involved parties found in the following circumstances:
Driving With an Invalid License or and Under Intoxicant Influences - If the driver drives his car with an invalid license or under the influence of intoxicants such as drugs, alcohol, and so on. If the driver under any of the above-mentioned situations meets with an accident, the insurance will not honor the claim settlement process
Overloading - If the insured car is overloaded at the time of the accident then in such cases the policyholders will not be legally capable to request for a claim
Providing Misleading Information or Intentional Damage - If the policyholder has provided misleading information to the insurance provider at the time of buying the car insurance, then the insurance becomes null and void. If the accident or damage to the insured car was caused intentionally the insurance contract between the insurance provider and the policyholder becomes null and void
Unethical Use of Insurance Vehicle - If the vehicle is used for the purpose other than the one mentioned at the time of purchasing the vehicle insurance then the insurance becomes null and void
Claims Filed After Three Years - Motor insurance companies in UAE do not entertain claims registered after three years from the date of the incident
Details Required to Avail Car Insurance in UAE
The details that are required to avail a car insurance quote are:
Driving license information
Previous vehicle insurance claim Records
Name & license details of other drivers added in the policy
No Claim Bonus Details
Documents Required to Purchase or Renew Your Car Insurance
In case if you have found a better deal and switching the insurance to a different insurance provider, then you will need the following documents:
- Driving License
- Mulkiya
- Emirates ID
How to File a Claim for Car Insurance in UAE?
It is very important that the policyholder follow the right claim policy if not the chances are that the claim might get rejected. Please follow the below-mentioned steps for a trouble-free claim settlement in UAE.
1. Inform the Insurer ASAP - Contact the insurance provider as soon as possible. This will ensure a fast and hassle-free claim settlement in the UAE.
2. Provide Complete Information and Cooperate with the Insurer - It is very important to notify the insurance provider with complete information that supports your claim. This information can speed up the entire process claim. It is a gesture well appreciated by the claim provider. A detailed list of the required documents can be accessed from the insurance document. Alternatively, call our 24*7 helpline to know more.
3. File a Police Report - In the case of an accident and or theft claims, visit the nearby police station to file a complaint. A copy of the complaint is to be maintained with the policyholder as some insurance providers usually ask for the same.
4. Get the Vehicle Supervised by a Surveyor - When the accident is informed to the car insurance provider a surveyor will be assigned by the insurer to assess the case. The insurance surveyor will evaluate the case amount by inspecting and examining the vehicle to duly process the claim.
5. Final Settlement - When the surveyor’s report is presented to the insurer, the insurer would use the terms and conditions in the insurance plan to assess the insurance cover and come to a settlement formula. The Surveyor’s report usually consists of damages caused to the car and the cost of the repair for the same. Based on this report the incurred expenses will directly be paid to the network garage.
12 Best Insurance Companies in UAE
Below is that the list of leading insurance companies in UAE, click the name of the corporate to go to their official website for insurance quotes, or to get your policy online in a few minutes.
1. Salama Insurance 800725262
Residents of UAE can get car comprehensive (third party), motor comprehensive, and vehicle export insurance from Salma Takaful. The insurer offers compensation against loss or damage to the vehicle as a result of an accident in a motor comprehensive insurance policy. The coverage choice also includes robbery, vandalism, damage from an external explosion, fire, and self-ignition safety. Third-party compensation for death, illness, and property damage may also be purchased.
The coverage of an insurance plan is the most important factor to consider when purchasing one. The higher the insurance package, the more coverage it provides. The above-mentioned companies offer some of the best car insurance policies in UAE, and you can compare coverage options on their websites or use web aggregators like www.bankbychoice.com to compare plans in one location. You can, however, compare the policies, but keep in mind that having one was crucial.
2- OMAN INSURANCE COMPANY 800 4746
AIG is possibly one of the greatest online portals in the UAE for fast and personalized insurance services. Their robust plans are tailored to their customers’ For more than 30 years, Oman Insurance Company has provided the best car insurance in UAE. For residents of Dubai and UAE, the company provides both extensive and third-party coverage options. The following are some of the extra benefits provided by the Oman Insurance Company in addition to the regular coverage options:
1. Repairs are guaranteed for a period of three years by the agency.
2. 24 Hours Emergency Roadside Assistance
3. Third-Party Property Damage ( up to AED 3,500,000)
4. Off-Road Coverage for 4WD vehicles excluding safari activities
5. Windscreen cover up to the limit of AED 3,000/- with NIL excess
6. Natural disasters, storms, riots and strikes, and earthquakes are all covered.
7. Hospital Costs up to AED 5,000/- per person in the case of an emergency.
8. Personal Injury Benefits for the driver and passengers are covered up to a maximum of Dh.200,000/-.
9. Only private vehicles are permitted to travel in the Sultanate of Oman (double excess)
10. Personal accident insurance for both the passenger and the driver (up to AED 2,00,000/-)
3- AXA CAR INSURANCE 800292
AXA is one of the UAE’s biggest insurance firms. In the UAE, it offers both extensive and third-party insurance coverage. The comprehensive coverage provided by AXA will last up to 15 years. The best thing about AXA is that, in addition to having the best auto insurance in UAE, it also includes extra benefits. Some of which have been mentioned below:-
The insurer offers compensation for the expense of the vehicle, as stated in the initial invoice, in the event of a complete loss with no depreciation for 24 months.
1. Car repairs can be performed at a dealership/agency or at one of the AXA network garages.
2. Replacement of vehicle in case of a claim
3. 24/7 roadside assistance
4. Breakdown Recovery
5. If your car is in the shop for repairs, we will pick you up and drop you off
6. All road trips to Oman are covered by the Oman extension
4- ORIENT INSURANCE COMPANY
Mobility coverage options, the company provides the best car insurance in UAE. The UAE’s extensive coverage has a more advanced edition called motor plus. It provides additional options such as:-
1. Flood, hurricane, storm, earthquake, and other natural disaster safety
2. During the first three years of ownership, repairs at the agency/dealer workshop
3. Defense from protests and strikes
4. Personal belongings and clothes are covered for up to AED 1,000/- against fire and theft.
5. Medical expenses incurred as a result of an accident (up to AED 500/- per person)
6. Roadside assistance
7. Off-Road coverage for 4WD’s
8. Sultanate of Oman’s Geographical Expansion
9. Individuals insured for AED 100,000 receive a free life insurance policy.
10. Legal Responsibilities to Immediate Family
5- ABU DHABI NATIONAL TAKAFUL CO
The Abu Dhabi National Takaful Company is one of the best car insurance companies in UAE. They provide coverage to both corporate and individual consumers. The service includes 12 months of coverage, roadside assistance, and up to three years of agency repair. Free towing services in the event of a mechanical failure, free puncture repairs, free battery boosting, and other coverage options are also available.
6- NOOR TAKAFUL CAR INSURANCE 800 825 2385
Noor Takaful offers the best car insurance in UAE & Dubai, with comprehensive coverage policies for vehicle and individual loss and injury. They have both third-party and full-coverage insurance. Roadside assistance, agency maintenance, off-road coverage, and Oman coverage are all included in the insurance package. In addition, the insurer offers compensation for vehicle damage or loss, medical costs, new car repair, windscreen damage, and personal belongings loss.
7-Watania Insurance +97126138888
Watania insurance company is well known for its fastest claim settlements, with two general insurance packages comprehensive and third party insurance, Watania recently launched Watania Plus with additional benefits including Mulkia registration, discount on getting an international driving license and roadside assistance.
8-Adamjee Insurance +97142752337
Adamjee is ISO 9001 certified and is additionally the most important general insurance firm of Pakistan with its head office in UAE; Adamjee TAKAFUL plan gives the utmost coverage for accidental, theft, or damage and third party liability with best features & benefits.
9-Aman Insurance 8004998
Commercial & private vehicle owners can purchase the insurance online through Aman online Dubai Islamic Insurance and Reinsurance Co. which give numerous benefits like freed from cost 24/7 roadside assistance, cover for injury to the driving force and passengers, replacement of auto at a very reasonable price, unlimited third party coverage for death or injury and far more.
10- Union Insurance 80084248
Union allows motorists to shop for and renew insurance online with special benefits like air reward points, agency repair replacement for five years, 24/7 roadside assistance, ambulance service, emergency medical expenses, and much more.
11- AL FUJAIRAH NATIONAL INSURANCE COMPANY +971 9 2233355
For more than 40 years, Al Fujairah National Insurance Company has provided extensive coverage options in the United Arab Emirates. Residents of UAE can choose from a variety of comprehensive and extensive car insurance plans provided by the firm. Its customers are covered for both Comprehensive and Third-Party Liability. Additional coverage options provided by Al Fujairah National Insurance Company include coverage for both the driver and the passenger, Oman coverage with the orange card, natural disaster coverage (as defined by the insurer), emergency roadside assistance, and more.
12- GARGASH INSURANCE +971 43377888
Gargash Insurance Company offers drivers individually customized car insurance solutions based on their needs. The firm provides the best auto insurance in Dubai, as well as extended agency repairs for up to five years, Oman Cover, GCC Cover, and Off-road Cover. Additional benefits such as passenger and driver injury compensation, accident and breakdown coverage, insurance against natural calamities, and rent-a-car coverage are also available.
This point now means a lot to potential insured consumers who wish to move insurance providers for a variety of reasons. This procedure requires the customer to contact his or her previous service provider in order to obtain a “No Claims” Certificate. The applicant will get major discounts on the yearly insurance rate by applying the certificate to the new service provider.
12 Best Insurance Companies in UAE
Below is that the list of leading insurance companies in UAE, click the name of the corporate to go to their official website for insurance quotes, or to get your policy online in a few minutes.
1. Salama Insurance 800725262
Residents of UAE can get car comprehensive (third party), motor comprehensive, and vehicle export insurance from Salma Takaful. The insurer offers compensation against loss or damage to the vehicle as a result of an accident in a motor comprehensive insurance policy. The coverage choice also includes robbery, vandalism, damage from an external explosion, fire, and self-ignition safety. Third-party compensation for death, illness, and property damage may also be purchased.
The coverage of an insurance plan is the most important factor to consider when purchasing one. The higher the insurance package, the more coverage it provides. The above-mentioned companies offer some of the best car insurance policies in UAE, and you can compare coverage options on their websites or use web aggregators like www.bankbychoice.com to compare plans in one location. You can, however, compare the policies, but keep in mind that having one was crucial.
2- OMAN INSURANCE COMPANY 800 4746
AIG is possibly one of the greatest online portals in the UAE for fast and personalized insurance services. Their robust plans are tailored to their customers’ For more than 30 years, Oman Insurance Company has provided the best car insurance in UAE. For residents of Dubai and UAE, the company provides both extensive and third-party coverage options. The following are some of the extra benefits provided by the Oman Insurance Company in addition to the regular coverage options:
1. Repairs are guaranteed for a period of three years by the agency.
2. 24 Hours Emergency Roadside Assistance
3. Third-Party Property Damage ( up to AED 3,500,000)
4. Off-Road Coverage for 4WD vehicles excluding safari activities
5. Windscreen cover up to the limit of AED 3,000/- with NIL excess
6. Natural disasters, storms, riots and strikes, and earthquakes are all covered.
7. Hospital Costs up to AED 5,000/- per person in the case of an emergency.
8. Personal Injury Benefits for the driver and passengers are covered up to a maximum of Dh.200,000/-.
9. Only private vehicles are permitted to travel in the Sultanate of Oman (double excess)
10. Personal accident insurance for both the passenger and the driver (up to AED 2,00,000/-)
3- AXA CAR INSURANCE 800292
AXA is one of the UAE’s biggest insurance firms. In the UAE, it offers both extensive and third-party insurance coverage. The comprehensive coverage provided by AXA will last up to 15 years. The best thing about AXA is that, in addition to having the best auto insurance in UAE, it also includes extra benefits. Some of which have been mentioned below:-
The insurer offers compensation for the expense of the vehicle, as stated in the initial invoice, in the event of a complete loss with no depreciation for 24 months.
1. Car repairs can be performed at a dealership/agency or at one of the AXA network garages.
2. Replacement of vehicle in case of a claim
3. 24/7 roadside assistance
4. Breakdown Recovery
5. If your car is in the shop for repairs, we will pick you up and drop you off
6. All road trips to Oman are covered by the Oman extension
4- ORIENT INSURANCE COMPANY
Mobility coverage options, the company provides the best car insurance in UAE. The UAE’s extensive coverage has a more advanced edition called motor plus. It provides additional options such as:-
1. Flood, hurricane, storm, earthquake, and other natural disaster safety
2. During the first three years of ownership, repairs at the agency/dealer workshop
3. Defense from protests and strikes
4. Personal belongings and clothes are covered for up to AED 1,000/- against fire and theft.
5. Medical expenses incurred as a result of an accident (up to AED 500/- per person)
6. Roadside assistance
7. Off-Road coverage for 4WD’s
8. Sultanate of Oman’s Geographical Expansion
9. Individuals insured for AED 100,000 receive a free life insurance policy.
10. Legal Responsibilities to Immediate Family
5- ABU DHABI NATIONAL TAKAFUL CO
The Abu Dhabi National Takaful Company is one of the best car insurance companies in UAE. They provide coverage to both corporate and individual consumers. The service includes 12 months of coverage, roadside assistance, and up to three years of agency repair. Free towing services in the event of a mechanical failure, free puncture repairs, free battery boosting, and other coverage options are also available.
6- NOOR TAKAFUL CAR INSURANCE 800 825 2385
Noor Takaful offers the best car insurance in UAE & Dubai, with comprehensive coverage policies for vehicle and individual loss and injury. They have both third-party and full-coverage insurance. Roadside assistance, agency maintenance, off-road coverage, and Oman coverage are all included in the insurance package. In addition, the insurer offers compensation for vehicle damage or loss, medical costs, new car repair, windscreen damage, and personal belongings loss.
7-Watania Insurance +97126138888
Watania insurance company is well known for its fastest claim settlements, with two general insurance packages comprehensive and third party insurance, Watania recently launched Watania Plus with additional benefits including Mulkia registration, discount on getting an international driving license and roadside assistance.
8-Adamjee Insurance +97142752337
Adamjee is ISO 9001 certified and is additionally the most important general insurance firm of Pakistan with its head office in UAE; Adamjee TAKAFUL plan gives the utmost coverage for accidental, theft, or damage and third party liability with best features & benefits.
9-Aman Insurance 8004998
Commercial & private vehicle owners can purchase the insurance online through Aman online Dubai Islamic Insurance and Reinsurance Co. which give numerous benefits like freed from cost 24/7 roadside assistance, cover for injury to the driving force and passengers, replacement of auto at a very reasonable price, unlimited third party coverage for death or injury and far more.
10- Union Insurance 80084248
Union allows motorists to shop for and renew insurance online with special benefits like air reward points, agency repair replacement for five years, 24/7 roadside assistance, ambulance service, emergency medical expenses, and much more.
11- AL FUJAIRAH NATIONAL INSURANCE COMPANY +971 9 2233355
For more than 40 years, Al Fujairah National Insurance Company has provided extensive coverage options in the United Arab Emirates. Residents of UAE can choose from a variety of comprehensive and extensive car insurance plans provided by the firm. Its customers are covered for both Comprehensive and Third-Party Liability. Additional coverage options provided by Al Fujairah National Insurance Company include coverage for both the driver and the passenger, Oman coverage with the orange card, natural disaster coverage (as defined by the insurer), emergency roadside assistance, and more.
12- GARGASH INSURANCE +971 43377888
Gargash Insurance Company offers drivers individually customized car insurance solutions based on their needs. The firm provides the best auto insurance in Dubai, as well as extended agency repairs for up to five years, Oman Cover, GCC Cover, and Off-road Cover. Additional benefits such as passenger and driver injury compensation, accident and breakdown coverage, insurance against natural calamities, and rent-a-car coverage are also available.
This point now means a lot to potential insured consumers who wish to move insurance providers for a variety of reasons. This procedure requires the customer to contact his or her previous service provider in order to obtain a “No Claims” Certificate. The applicant will get major discounts on the yearly insurance rate by applying the certificate to the new service provider.
