Third Party Car Insurance in UAE
Flexible installments to pay later with
And
Regulated by the Government of Dubai
Third-party car insurance is the minimum legal car insurance required in Dubai and across the UAE. It covers damage or injury caused to other people while helping drivers stay road-legal at a lower premium than comprehensive insurance.
With Lookinsure, you can compare third party car insurance quotes online from leading UAE insurers, review coverage options side by side, and buy your policy in minutes.
- Emirates ID
- UAE driving license
- Vehicle registration card (Mulkiya)
- Existing insurance policy (for renewals
Third Party Car Insurance Dubai Price by Car Model
The cost of third party car insurance Dubai policies depends on factors such as vehicle type, driver age, claims history, and insurer pricing policies.
Here are 2026 prices for some of the most popular car models in the UAE:
Toyota Third-Party Insurance Prices 2026
| Toyota Model | Third-Party Premium (AED/year) |
|---|---|
| 2024 Toyota Camry | AED 675 |
| 2024 Toyota Yaris | AED 675 |
| 2024 Toyota Hilux | AED 680 |
Nissan Third-Party Insurance Prices 2026
| Nissan Model | Third-Party Premium (AED/year) |
|---|---|
| Nissan Altima | AED 750 – 1,000 |
| Nissan Patrol | AED 900 – 1,200 |
NOTE: Final premiums may vary depending on driver profile, claims history, insurer underwriting, and selected add-ons.
What Does Third Party Car Insurance Cover?
Third-party liability insurance in the UAE generally covers:
Third-party bodily injuries: Any damages caused by your vehicle to another person.
Third-party property damage: Any damages caused by your vehicle to another vehicle or property (like a store front).
Emergency medical or ambulance support (depending on insurer)
Optional roadside assistance in some plans
If you are at fault in an accident, your insurer covers the damages caused to the other party according to UAE regulations and policy terms.
What Is NOT Covered Under Third-Party Insurance?
Third-party insurance usually does not cover:
Damage to your own vehicle
Theft of your vehicle
Fire or flood damage to your car
Mechanical breakdowns or wear and tear
Driving under the influence
Driving without a valid license
Unauthorized vehicle use or racing
Drivers looking for protection for their own vehicle should consider comprehensive insurance instead.
Third Party vs Comprehensive Car Insurance
| Feature | Third-Party Insurance | Comprehensive Insurance |
|---|---|---|
| Damage to others | Covered | Covered |
| Damage to your own car | Not covered | Covered |
| Fire and theft | Not covered | Usually covered |
| Flood and storm damage | Usually not covered | Often included |
| Premium cost | Lower | Higher |
| Best for | Budget-focused drivers | Drivers wanting broader protection |
Third-party insurance is generally chosen by drivers looking for affordable legal coverage, while comprehensive insurance provides wider financial protection.
What Affects Third Party Car Insurance Dubai Prices?
Several factors influence the cost of third party car insurance.
Best Insurers for Third Party Car Insurance in the UAE
| Insurer | Personal Accident (Driver) | Personal Accident (Passenger) | Roadside Assistance | Key Feature |
| DNI Car Insurance | Included | Not specified | Not included in base | Lowest cost option |
| Methaq Car insurance | Optional (+AED 120) | Included | Optional (+AED 14) | Takaful-compliant |
| Tokio Marine Car Insurance | AED 200,000 | AED 200,000 | Included (24/7) | Highest driver/passenger PA |
| RAK Car Insurance | Optional | Optional | Included (24/7 UAE + Oman) | Oman roadside included |
| Adamjee Car Insurance | Included | Included | Optional (+AED 10) | Driver + passenger PA included |
| Sukoon Car Insurance | Up to AED 200,000 | Not specified | Included | Best value + driver PA |
| Insurance House Car Insurance | Included | Included | Included (24/7) | PA cover included at low premium |
| Fidelity United Car Insurance | Optional | Optional | Optional (Bronze/Gold/Premium) | Flexible roadside tiers |
How to Buy Third Party Car Insurance Online
Buying third-party insurance through Lookinsure is simple:
Documents Required for Third Party Car Insurance
Drivers usually need:
Emirates ID
UAE driving license
Vehicle registration card (Mulkiya)
Existing insurance policy (for renewals)
Requirements may vary depending on the insurer and vehicle status.
Can You Pay Third Party Insurance in Installments in UAE?
Through Lookinsure, users can now pay for car insurance with Tamara and Tabby; this allows you to split your payment into 4 manageable installments with zero interest. Policy issuance happens right after your first payment.
Installment availability depends on:
insurer approval
payment provider eligibility
How to File a Third Party Insurance Claim
Why Compare third Party Car Insurance on Lookinsure?
Compare Multiple Insurers
Review car insurance 3rd party plans from multiple UAE insurers in one place.
Affordable TPL Prices
Find competitive third party car insurance Dubai price options for different vehicles and driver profiles.
Fast Online Purchase
Complete the entire process digitally without unnecessary paperwork.
Installment Payment Options
Eligible users can split payments through Tabby and Tamara.
Quick Quote Comparison
Enter your vehicle details and compare available policies instantly.
Frequently Asked Questions
