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Third Party Car Insurance in UAE
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Regulated by the Central Bank of the UAE
Regulated by the Central Bank of the UAE
Third party car insurance is the minimum cover the law requires before you can register or drive a vehicle in the UAE, and it pays only for the damage and injury your car causes to other people. It does not pay to repair your own car. With Lookinsure you can compare car insurance quotes online from leading UAE insurers and buy your policy in minutes.
What it costs
From around AED 600 a year, rising to roughly AED 1,200 for larger vehicles and higher-risk driver profiles.
What it covers
Injury and property damage your vehicle causes to other people. Never damage to your own car.
The legal limit
Up to AED 2,000,000 for third-party property damage, and no fixed ceiling on death or bodily injury.
What is third party car insurance?
Third party car insurance, also called third party liability insurance or TPL, is a motor policy that covers your legal liability to other road users. If you cause an accident, your insurer pays the other party's repair costs and medical or compensation claims. You pay for your own car yourself.
It is the minimum legal requirement across all seven emirates. No vehicle can be registered or renewed in Dubai, Abu Dhabi, Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah or Fujairah without at least third party liability insurance in force.
The cover is defined by the Unified Motor Vehicle Insurance Policy Against Third Party Liability, issued by the Central Bank of the UAE. Every insurer selling third party motor insurance in the UAE sells the same core policy wording — which is why insurers compete on price, service and optional extras rather than on the base cover itself.
Third party car insurance Dubai price by car model
Third party premiums in the UAE typically start from about AED 600 a year and reach around AED 1,200 for larger or higher-risk vehicles. Because the base cover is standardised, the cheapest third party car insurance in the UAE is usually found by comparing several insurers on the same vehicle rather than by cutting cover.
One rule worth knowing: third party premiums are not calculated from your car's market value. They are rated on engine capacity, seating capacity and vehicle class, which is why a five-year-old sedan and a new one of the same model often pay almost the same third party premium — while their comprehensive premiums differ sharply.
The indicative prices below were collected in August 2026 and vary by insurer, driver profile and claims history.
Toyota third-party insurance prices 2026
Indicative third party premiums for popular Toyota car insurance models:
| 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
Indicative third party premiums for popular Nissan car insurance models:
| Nissan model | Third-party premium (AED/year) |
|---|---|
| Nissan Altima | AED 750 – 1,000 |
| Nissan Patrol | AED 900 – 1,200 |
NOTE: Final premiums depend on driver profile, claims history, insurer underwriting and any add-ons selected.
What does third party car insurance cover?
Third party car insurance covers what your vehicle does to others. Under the Unified Motor Vehicle Insurance Policy, the cover includes:
- Third-party bodily injury — treatment costs and compensation for people your vehicle injures or kills, including pedestrians and occupants of other vehicles.
- Third-party property damage — repair or replacement of another vehicle, a wall, a shopfront or any other property your car damages.
- Your legal liability — the insurer handles claims made against you arising from an accident you caused.
- Emergency medical or ambulance costs at the scene, depending on the insurer.
The statutory limits are set by the policy itself, not by the insurer. These figures come from Chapter Two of the Unified Motor Vehicle Insurance Policy Against Third Party Liability published in the Central Bank of the UAE Rulebook.
| Type of claim | Maximum the policy pays |
|---|---|
| Third-party property damage, per accident | AED 2,000,000 |
| Third-party death or bodily injury | No limit — the amount awarded by the court |
| Death of a spouse, parent or child of the insured or driver | AED 200,000 per deceased person |
Some insurers sell third party policies with property damage limits above the AED 2,000,000 statutory floor. That is an enhancement on top of the legal minimum, not the legal minimum itself — worth checking on the schedule before you compare two quotes on price alone.
What is not covered under third-party insurance?
Third party insurance never pays for your own vehicle. That single exclusion is the reason it costs less than comprehensive cover, and it is where most disputes begin.
The policy does not cover:
- Damage to your own car, in any accident, including one you did not cause
- Theft of your vehicle
- Fire damage to your car
- Flood, storm and other natural-disaster damage to your car
- Mechanical breakdown, wear and tear
- Driving under the influence of alcohol or drugs
- Driving without a valid licence
- Racing, off-road use, or using the vehicle for a purpose not stated in the policy
Drivers who want their own vehicle protected against these events need comprehensive cover, or a specific extension such as windscreen cover or flood damage cover, neither of which exists under a third party policy.
If you want theft and fire protection without paying for full comprehensive cover, third party, fire and theft cover sits between the two. The general car insurance exclusions that apply to every UAE motor policy apply here too.
Optional add-ons for a third party policy
The base cover is fixed, so add-ons are where third party policies actually differ. Most UAE insurers offer some combination of the following, either included or for a small extra premium:
- Personal accident cover for the driver — the base third party policy protects other people, not you behind the wheel
- Personal accident cover for passengers in your own vehicle
- Roadside assistance cover, including towing and battery or tyre help
- Oman extension, usually issued as an orange card, if you drive across the border
Personal accident cover is the one most often missed. Without it, a third party policy pays everyone injured in an accident you caused except you.
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 |
| Agency repair option | Not available | Available on newer cars |
| Premium cost | Lower | Higher |
Here is the decision rule most UAE drivers can apply directly. Choose third party if your car is worth less than roughly AED 30,000, is fully paid off, and you could afford to replace it out of pocket. Choose comprehensive car insurance if the car is financed, leased, or worth more than you could comfortably absorb losing — most banks require it on financed vehicles anyway.
For an older, low-value car driven modestly, third party is not a compromise; it is the correct product. For a two-year-old SUV on finance, it is a false economy. If you are weighing the two in detail, read the full comparison of comprehensive and third-party cover.
What affects third party car insurance Dubai prices?
Several factors move the premium, even though the underlying cover is standardised.
Vehicle class
Engine capacity, seating capacity and body type set the base rate. Larger vehicles and pickups cost more than small sedans.
Driver age and experience
Drivers under 25 and those holding a UAE licence for under a year are rated as higher risk.
Claims history
Recent at-fault claims raise the premium. A clean record can earn a discount.
Vehicle usage
Commercial use, delivery work and high annual mileage all increase the rating.
Emirate of registration
Accident frequency and traffic density differ by emirate, and pricing follows.
Two of these are within your control. Keeping a clean record builds a no-claims bonus that carries across insurers when you switch, and where the vehicle is registered matters — premiums for car insurance in Abu Dhabi are rated differently from Dubai on the same vehicle.
Who can buy third party car insurance in the UAE?
You can buy a third party policy if you hold a valid UAE driving licence and the vehicle is registered, or being registered, in the UAE. You will need the vehicle registration card and an Emirates ID or passport in the owner's name.
Private-use cars, SUVs and pickups are all eligible. Vehicles used for hire, delivery or business need a different policy class — commercial vehicle insurance — and buying a private third party policy for commercial use will void the cover at claim stage.
Best insurers for third party car insurance in the UAE
Because the base cover is identical across insurers, the useful comparison is what each one includes beyond the statutory minimum — personal accident cover for the driver and passengers, and roadside assistance. The table below sets out how eight UAE insurers handle those on their third party plans.
| 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 and passenger PA |
| RAK car insurance | Optional | Optional | Included (24/7 UAE + Oman) | Oman roadside included |
| Adamjee car insurance | Included | Included | Optional (+AED 10) | Driver and passenger PA included |
| Sukoon car insurance | Up to AED 200,000 | Not specified | Included | Best value plus 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
You can get a third party car insurance quote and complete the purchase on Lookinsure without visiting a branch. The whole process takes a few minutes.
Step 1
Enter your vehicle details
Step 2
Compare available insurance quotes
Step 3
Choose your preferred insurer and plan
Step 4
Upload the required documents
Step 5
Complete the online payment
Step 6
Receive your policy digitally after approval
Documents required for third party car insurance
You will normally need four things:
- Emirates ID
- UAE driving licence
- Vehicle registration card (Mulkiya)
- Your existing policy, if you are renewing
Requirements vary slightly by insurer and by whether the vehicle is newly imported, previously registered in another emirate, or being transferred. The full list of documents required for car insurance covers the less common cases.
Can you pay third party insurance in instalments in UAE?
Yes, on eligible policies. Lookinsure supports payment for car insurance with Tabby and car insurance with Tamara, splitting the premium into four interest-free payments, with the policy issued after the first one. You can also review all available ways to pay in instalments.
Instalment payment is not available on every policy. It depends on the insurer approving the plan and on your eligibility with the payment provider, both of which are confirmed before you check out.
How to renew third party car insurance
Renew before the policy expires, not after. Vehicle registration cannot be renewed without valid insurance in force, and a lapse means the car cannot legally be driven even for the trip to the testing centre.
Most UAE motor policies are issued for 13 months rather than 12, so that the extra month covers the registration renewal grace period. Renewal is also the natural moment to re-compare: a clean claims year usually moves the price, and there is no penalty for switching insurers at renewal.
How to file a third party insurance claim
What happens next depends on who caused the accident, and the two paths are different.
If you caused the accident
Report the accident to the police and obtain the police report, then notify your insurer. Your insurer settles the other party's repair and injury claims up to the policy limits. Your own vehicle damage is not covered and remains your cost.
If the other driver caused the accident
You claim against the at-fault driver's insurer, not your own. Get the police report, which assigns fault, then submit it with your vehicle and licence details to the other party's insurance company. Their third party cover pays for your repairs. If the other driver turns out to be uninsured, the process changes — see what to do if the other driver has no insurance.
Step 1
Report the accident and obtain a police report
Step 2
Notify the relevant insurer about the incident
Step 3
Submit the required documents
Step 4
Wait for the insurer's claim assessment
Step 5
Follow the repair or compensation process instructed by the insurer
What happens if you drive without insurance in the UAE
Driving an uninsured vehicle in the UAE carries a traffic fine, black points on your licence and impoundment of the vehicle. The registration cannot be renewed while the car is uninsured, and any accident you cause becomes a personal liability with no insurer behind it.
Because third party cover is the cheapest way to stay legal, letting a policy lapse rarely saves money once the penalties are counted. The current fines for driving without insurance set out what each emirate applies.
Why compare third party car insurance on Lookinsure?
Compare multiple insurers
Review car insurance 3rd party plans from multiple UAE insurers in one place, on the same vehicle.
Affordable TPL prices
Find competitive third party car insurance Dubai price options across different vehicles and driver profiles.
Fast online purchase
Complete the entire process digitally, without paperwork or a branch visit.
Instalment payment options
Eligible customers can split the premium through Tabby and Tamara.
Quick quote comparison
Enter your vehicle details once and compare available policies instantly.
Frequently asked questions
Third party car insurance is the minimum motor cover required by UAE law. It pays for injury and property damage your vehicle causes to other people, up to AED 2,000,000 for property damage and with no fixed limit on bodily injury. It never covers damage to your own car.
Third party car insurance in Dubai typically costs between AED 600 and AED 1,200 a year. The premium is rated on engine size, seating capacity and vehicle class rather than your car's market value, then adjusted for your age, licence history and past claims.
There is no single cheapest insurer, because the base cover is standardised and each one prices your specific vehicle and driver profile differently. Comparing several quotes on the same car is what finds the lowest price, since the policy wording you receive is the same either way.
Yes. Third party liability insurance is the legal minimum in every emirate, and a vehicle cannot be registered or have its registration renewed without it. Driving uninsured carries a fine, black points and impoundment of the vehicle, and leaves any accident you cause as a personal debt with no insurer behind it.
No. Theft of your own vehicle is not covered by a third party policy, and neither is fire or flood damage to it. If you want theft and fire protection without full comprehensive cover, third party fire and theft is the middle option to look at.
It covers injury to other people, not to you. Compensation for third parties injured by your vehicle has no fixed ceiling and is set by the courts. To cover your own injuries as the driver, you need to add personal accident cover to the policy.
Sometimes. Roadside assistance is not part of the statutory third party cover, so it depends entirely on the insurer. Some include 24/7 assistance in the base price, others charge a small optional premium, and a few offer tiered packages. Check before comparing on price alone.
Not automatically. A motor policy is tied to a specific vehicle, so selling the car usually means cancelling for a refund or asking the insurer to transfer cover to the replacement vehicle. Any premium difference between the two cars is adjusted at that point.
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