Best Car Insurance in UAE – Top 5 Car Insurance Companies

The RTA Traffic Law enforces car insurance for all car owners in UAE. So, buying a car insurance is mandatory but you must buy the best car insurance in UAE to get all the benefits.

There are many car insurance providers in UAE and they offer different types of car insurance schemes. You may find it confusing to select one insurance policy from hundreds of options. Therefore I am here with a complete guide to explain all you need to know about car insurance and how to choose the best car insurance in 2024.

Best Car Insurance in UAE

Buying the right car insurance will give you full insurance coverage during accidents, theft or other issues in the future. But how to choose the right car insurance, well, it requires thorough research that I have done in past one year.

I have checked each & every car insurance policy available in Dubai, Abu Dhabi, Sharjah, Ajman, Fujairah and other Emirates. Many car insurance companies provide their insurance policies & services in all seven Emirates of the UAE.

Before I suggest my selected top car insurance policies for you, I want you to learn about types of car insurance in UAE.

Types of Car Insurance in UAE

The car insurance companies understand the risk and possible damage. Based on that, they offer two types of car insurance policies in UAE. The policy name may vary from one company to another but majorly there are two types of car insurance given as follows;

[1] Comprehensive Car Insurance:

The comprehensive car insurance policy provides full coverage to protect the car, car owner and the third party as well. This insurance policy offers protection against accidents, theft, vandalism and natural calamities/disasters.

The comprehensive car insurance also covers the car damage caused by fire, falling objects, lightning, external explosions and attacks by animals.

The insurance company provides add-ons on comprehensive car insurance to offer additional coverage as per the need/demand of the car owner.

[2] Third Party Liability Insurance:

The third party liability insurance policy is a basic car insurance that offers very limited coverage. When the car meets an accident, this insurance policy covers only damages caused to the third party and not the car owner.

The premium of third party liability insurance is lower than the comprehensive car insurance. This policy has a few add-ons and it is suitable for car owners who do not want to spend too much money on car insurance and want to buy car insurance only to meet the UAE law guidelines.

Points to Check When Buying Car Insurance in UAE

When you want to buy a car insurance policy, you should consider all important points like coverage inclusions & exclusions, add-on options, premium amount, discount, claiming process time and other factors.

Here I will share and explain each point in detail so that you can understand it better.

Insurance Type:

As I shared above, car insurance has two types comprehensive and third party liability. The comprehensive insurance provides coverage to both the car owner (you) and the third party, while the third party liability insurance provides coverage to the third party only.

You must check different insurance variants in comprehensive and third party liability, then choose the insurance type that fits in your mind.

What’s Covered and What’s Not Covered:

After choosing the insurance type, you should check the coverage details of your selected car insurance. It is very important to check what the car insurance covers and what it does not cover.

When you check the car insurance coverage details, make sure that the policy covers all important things like accidents, theft, fire, external explosion, third party vehicle damage and injury to person(s) and others.

The most car insurance policies do not provide coverage for accidents caused by off-road driving, driving under the influence of alcohol/drugs, driving carelessly, misuse of the car or driving in prohibited area.

You should select the car insurance policy that covers everything as per your requirements.

Prefer Agency/Workshop Repairs:

When you read the insurance policy details, check if it provides repairs at the agency/workshop or at car garages. The agency/workshop repairs are better when some parts of your car needs replacement.

So, make sure that you choose the car insurance that provides repairs at agency/workshop in its coverage.

Choose Add-Ons:

The car insurance companies offer add-ons with the comprehensive car insurance policy. These add-ons provide extra coverage such as roadside assistance, off-road coverage, cover damages caused by natural calamities and many others.

You should get add-on with your car insurance to get personal life cover for driver and/or passenger in case of death in the car accident.

You should check each add-on option carefully and add it to your car insurance policy if it provides extra coverage as per your needs.

Medical Expenses:

You should check if the car insurance provides medical expenses occurred in 24 hours of car accident for the treatment of the driver and passenger(s).

If the insurance policy does not cover medical expenses, you can check for add-ons and add it to the policy at the time of purchase.

Network Workshops or Garages:

You should choose the car insurance with a large network of workshops/agencies or garages. To get repairs and other services under insurance, you will have to visit one of the workshops/garages linked to your car insurance company.

If the insurance company has a large network, it means that it has car repair workshops/garages in entire UAE. So, you can get coverage benefits for your car anywhere in the UAE just by showing your car insurance certificate at its network workshop.

Look for Discount:

The car insurance companies offer additional benefits and/or discount on insurance premiums with some conditions. Here I provide some examples of that as under;

• If you have a car from a specific brand & model, you can get extra coverage in your car insurance.
• If you have a clean driving record for last six months or more, you can ask for discount to the insurance agent/broker and they may approve your request instantly.

Free Pickup and Drop Service:

The car insurance companies provide free pickup and drop of the car for repairs, car registration renewal and relevant car service purposes. Some insurance companies also provide free pickup and drop service to the airport at free of cost if you buy a specific car insurance package.

So, you should check for pickup and drop service details when you check various points of the car insurance policies and their coverage benefits.

Easy Claiming Process:

You must check the insurance claiming process and understand it properly. You can talk to respective insurance agent/broker and discuss the claiming process thoroughly.

You should understand the insurance claiming process of top 5 car insurance providers in UAE and then select the one that provides easy claiming process with better coverage benefits.

Considering these key points will help you choose the best car insurance for your car and get full coverage with additional benefits after accident, theft or damage caused by other factors.

Documents Required to Buy Car Insurance in UAE

In order to buy a car insurance in UAE, you must have all the required documents given here;

• Original Passport with Residency Visa Page [Only for Expats]
• Emirates ID Card
• Vehicle Registration Certificate (Mulkiya)
• Vehicle Emission Test Certificate
• Driving License
• Confirmation Letter for GCC Specified Cars
• Bank Statement of Past 3/6 Months

Top 5 Car Insurance Companies in UAE

In present time, many insurance companies provide car insurance in various parts of the UAE. After doing a thorough research, I have selected top 5 car insurance companies in UAE that I will share here with you.

1. Sukoon Insurance Company (Oman Insurance)
2. GIG Gulf Insurance Company (AXA Insurance)
3. Salama Takaful Insurance Company
4. Tokio Marine Insurance Company
5. Al Sagr Insurance Company

Let us explore the features & benefits of each car insurance in detail.

#1. Sukoon Insurance Company (Oman Insurance)

Sukoon Insurance Company provides the best car insurance in UAE with a wide range of add-ons. Previously known as Oman Insurance, Sukoon Insurance has 47+ years of experience in car insurance to provide complete customer satisfaction with its services.

A. Comprehensive Car Insurance

• Best Value for Money with wide coverage and benefits at competitive rates with lots of add-ons.
• Strategic partnership with AG Cars for high quality repairs and services.
• Premium Garage Network provides great service for all non-agency repairs.
• Fully Automated Claim Service with contactless approval directly at the garage along with end-to-end SMS tracking.

B. Privilege Motor Insurance

• Especially Designed for luxury cars with a value of higher than AED 500,000 including the car brands like Rolls Royce, Bentley, Ferrari, McLaren, Aston Martin, Bugatti and Lamborghini.
• Best Luxury Car Insurance with Dedicated Professionals with a Unique Contact Number to Help the Customers anytime and anywhere (24 x 7).
• Unlimited Agency Repairs and Comprehensive Roadside Assistance Service.
• Exiting Add-on Options like European Cover and Track Day Cover for Selected Customers.
• High Third Party Property Damage Cover Up to AED 5 Million.

C. Third Party Car Insurance

• Lowest Rates in the Market with Real-Time Policy Issuance Online to Save Customers’ Time.
• Fully Automated Claims with Contactless Approvals with Quick Payouts and end-to-end SMS Tracking.
• Cover third party bodily injury, property damage, loss of use as well as ambulance expenses occurring after the accident.

#2. GIG Gulf Insurance Company

GIG Gulf Insurance Company is one of the oldest car insurance providers in UAE. It provides all customization options to let you create your personalized car insurance plan that meets all your needs and expectations during an accident or other unlikely incidents.

A. Motor Prestige Insurance

• Full Vehicle Protection: Shield against loss or damage.
• Third-Party Liability: Covering bodily injury and property damage up to AED 5 million.
• Complete Environmental & Criminal Protection: Fire, theft, storm, flood, riot, and strike coverage.
• Personal Injury Coverage: Up to AED 20,000.
• Emergency Medical Support: Up to AED 6,000.
• Personal Belongings Protection: Up to AED 4,000.
• Wider Coverage Options: Including Oman and off-road car insurance coverage.
• Guaranteed Repairs & Agency Repair: Peace of mind for up to 5 years.
• Total Loss Benefit: Invoice value protected for up to 24 months from first registration.
• Comprehensive Benefits & Services: From windscreen damage waivers to 24-hour accident recovery, GCC coverage, and convenient pick-up and drop-off services.

B. Motor Perfect Insurance

• Vehicle Damage Protection: Coverage against loss or damage.
• Third-Party Liability: Bodily injury and property damage up to AED 3.5 million.
• Wide-Range Protection: From natural disasters to theft.
• Personal & Medical Protection: Covering up to AED 20,000 for injuries and AED 3,500 for medical emergencies.
• Preservation of Personal Assets: Safeguarding your belongings up to AED 4,000.
• Freedom to Explore: Includes Oman and off-road insurance.
• Flexible Repair Options: Choose agency repairs for up to 5 years.
• Tailored Benefits: From total loss protection to optional hire car benefits and pick-up and drop-off services.

C. Motor Third Party Insurance

• Third-Party Liability: Bodily injury and property damage coverage up to AED 3.5 million.
• Optional Oman Coverage: Expand your horizons with added protection for driving in Oman.
• Accident Recovery: 24-hour assistance for peace of mind.
• Optional Personal Accident Benefits: Protection for drivers (up to AED 200,000) and passengers (up to AED 200,000).

#3. Salama Takaful Insurance Company

Salama Takaful Insurance Company is an Islamic Arab Insurance Company that strictly follows Takaful Principles. It provides faster service and best repair with its A Grade garage network spread in entire UAE. It also provides free off-road assistance as well as free vehicle recovery service as and when requested by the customer.

A. Comprehensive Car Insurance

• Speedy and fast repairs through A grade garage network.
• Personal accident benefit inbuilt for driver and passenger.
• Cover liability to third parties, car loss or damage.
• Free Off-Road Assistance.
• Free vehicle recovery service.
• Free battery boost service.
• Car registration service.

B. Third Party Liability Insurance

• Damage to Third Party: Covers the damages caused by the insured vehicle to others, including both persons and property.
• Legal Liability: Covers the insured’s legal liability for death or bodily injury to any third party and damage to third-party property arising out of the use of the insured vehicle.
• Liability Coverage: Liability coverage will cover third parties when the insured is at fault for amounts that the insured or the vehicle driver is required to pay, including physical damage to others inside or outside the vehicle and material damage caused to others.

#4. Tokio Marine Insurance Company

Tokio Marine Insurance is a multinational insurance company serving in 46+ countries for 144 years. The Tokio Marine is present in UAE since 1976, it provides car insurance, home insurance, travel insurance, health insurance and many more.

A. Tokio Must Comprehensive Car Insurance

• 24/7 Roadside Assistance: The breakdown cover is powered by the AAA, so you know you’re in good hands. Whether your car has a puncture, you run out of fuel, or your car battery dies, it provides protection and assistance when your vehicle unexpectedly breaks down.
• Personal Accident Benefits: Get personal accident benefits for both driver and passengers free of cost. This will provide coverage for medical expenses if the driver or passengers of the car gets injured in an accident.
• Courtesy Car: If your car breaks down on the way, the Tokio Marine Insurance will arrange you a courtesy car from its car rental partners. But you must use one of their approved repairers and the courtesy car option must be mentioned in your car insurance policy.
• Self-Authorization Limit: The company provides a pre-approved self-authorization limit to let you give your car for repairing at any Tokio Marine approved repairers without doing any claiming process.
• Dedicated Claims Team: It has a dedicated claims team to help you after an accident to process your car insurance claim with super-fast speed.
• Premium Network of Garages: It has a huge network of garages to provide safe & authentic repairs to your car as well as the third party vehicle after an accident. It offers protection to you, your passengers, your car, third party people and their vehicle.

B. Tokio Smart Plus Car Insurance

• All Comprehensive Insurance Benefits: The Tokio Smart Plus Insurance Plan provides all the benefits mentioned above in Tokio Must Comprehensive Insurance Plan.
• Agency Repairs: When your car is damaged by an accident or any other incident covered in the insurance, you can get your car repaired at its manufacturer’s authorized workshop.
• Additional Benefits: It provides Emergency Medical Expenses, Loss of Personal Effects, Extended Legal Liability to Family Members and Protection against Natural Calamities, Riot, Strike and Civil Commotion.

C. Tokio Third Party Car Insurance

• Third Party Vehicle: Provide protection to third party vehicle damaged by an accident with your car. It does not cover you or your car during an accident or any other incident.
• Third Party Person(s): Provide medical expenses for healthcare services needed to the third party driver and passengers due to injuries caused by an accident.

#5. Al Sagr Insurance Company

Al Sagr Insurance Company was established in December 1979. After 45 years of consistent growth, today it offers 7 different insurance policies for individuals and 9 insurance policies for corporate. Here I will share complete details about Al Sagr Motor Insurance for you.

A. Comprehensive Motor Insurance

The comprehensive motor insurance provides full protection to you and third party with its amazing benefits. Read its features and benefits given below to know more about the Al Sagr comprehensive car insurance plan.

Main Features & Benefits:

• Agency Repair – up to 3 years from the vehicle registration date at a manufacturer authorized dealer.
• Outside Agency Repair – up to 10 years from the vehicle registration.
• Damage to items and properties – AED 2,000,000.
• Bodily injury – Unlimited.
• National Ambulance service – AED 6,770 per person.
• Personal Accident cover up to AED 200,000.
• No claims discount if your vehicle is claim-free for 1 year!
• 24 hours a day, 365 days a year at your service.
• UAE Accident towing service.
• Mechanical Breakdown towing service.
• Battery boost service.
• Flat tire service.
• Lock out service.
• On road emergency fuel delivery.

Add-ons:

• Driver and Passenger cover
• Personal possessions protection against fire, theft, and collision up to AED 2,000.
• Windscreen damage cover up to AED 2,000.
• Medical expenses up to AED 2,000.
• Car Replacement.
• Natural perils cover (flood, storm, hurricane and earthquake).
• Sultanate of Oman coverage for a minimal charge!
• Travelling from one Arab country to another? Add on Orange Card benefit to your policy!

B. Third Party Liability Motor Insurance

The third party liability motor insurance provides protection to the third party only. Its covers all you have to pay to the third party for their vehicle damage repairs and medical expenses after an accident. You can check further details below in the features and benefits of Al Sagr third party liability car insurance plan .

Main Features & Benefits:

• Outside Agency Repair – up to 10 years from the vehicle registration.
• Damage to items and properties – AED 2,000,000.
• Bodily injury – Unlimited.
• National Ambulance service – AED 6,770 per person.
• Personal Accident cover up to AED 200,000.
• No claims discount if your vehicle is claim-free for 1 year!

Add-ons:

• Driver and passenger cover.
• Sultanate of Oman coverage for a minimal charge!
• Road Risk cover.
• Travelling from one Arab country to another? Add on Orange Card benefit to your policy!
• Road Side Assistance.
• 24 hours a day, 365 days a year at your service.
• UAE Accident towing service.
• Mechanical Breakdown towing service.
• Battery boost service.
• Flat tire service.
• Lock out service.
• On road emergency fuel delivery.

What If I Drive a Car in UAE without Insurance?

If you are drive a car in UAE without car insurance, it is a clear violation of the law. The Roads & Transport Authority (RTA) will charge 500 Dhs fine on you for driving a car on the roads of UAE without having a valid car insurance policy.

In addition to fine, you will get four black points on your driving license and the traffic department will confiscate (seize) your car for seven days.

So, I strongly recommend to buy a valid car insurance before you drive your car on any road of the United Arab Emirates.

That’s All

The car insurance plays an important role when your car is damaged by accidents or other factors. If you buy a car insurance policy that offers full coverage then you can get your car repairing cost covered under the insurance otherwise you will have to pay for it.

Above I have explained the key points to consider when you buy a car insurance in UAE. I have also shared the top 5 car insurance companies with their car insurance coverage information for your convenience.

After checking the available car insurance options, you should choose the one that meets your needs and also fits in your pocket. For more information or queries regarding car insurance, you can ask it in the comment box.

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