If you own an exotic or performance vehicle, high value car insurance isn’t optional—it’s essential. Standard policies often fall short when it comes to covering advanced tech, bespoke parts, or global usage. In this guide, we break down the must-have features of insurance for high value cars, including agreed value, international protection, and exclusive extras tailored for luxury and supercars. Find out how to secure the best luxury cars insurance in the UAE.
What is High Value Car Insurance?
That might be the first question that comes to your mind. High Value Car Insurance is a specialized policy designed for cars that exceed normal vehicle insurance coverage limits. This insurance is quite popular in the UAE, specifically in Dubai, and that’s obviously because of the increasing number of expensive cars in Dubai. Expensive car should has tailored and specialized policies designed based on their needs.
When it comes to insurance for high value cars, like the iconic Bentley and Jeep models, it’s essential to look beyond basic coverage. The right insurance provides specialized protection, ensuring that every aspect of your luxury vehicle is covered, whether it’s the unique parts or the premium craftsmanship. Learn about the top features that make Bentley insurance the perfect fit for your prized investment.
Key Features of Luxury Cars Insurance
It’s not enough to have basic car insurance that only offers you the bare minimum. You need high value car insurance in the UAE that guarantees you all you need for your high-performance vehicle. High value car insurance is required for such luxury cars, which will only be provided by certain insurance plans, with features such as:
Agreed Value Guarantee
Insures your car at a set value—no depreciation at claim time, ideal for vehicles maintaining premium worth.
Unlimited Agency Repairs & Certified Specialists
Work with top-tier body shops—rolls out original parts and ensures brand-compliant craftsmanship.
Global Coverage + Track-Day Protection
Include international travel and optional Track Day cover—perfect for exotic car owners wanting thrill without risk.
Luxury Extras & Concierge Services
Courtesy vehicles, home pick-up/drop-off, 24/7 road assistance, and fuel delivery enhance the bespoke experience.
High Third-Party Limits
Protection up to AED 5 million in property damage ensures peace of mind in high-stakes accidents.
Premium Add-ons: Zero-Dep, GAP, Key Replacement
Customizable coverage, including zero depreciation, GAP for financed vehicles, and key replacements, keeps you fully covered.
Priority Claims & Dedicated Support
Enjoy quicker settlements, direct access to claims specialists, and support through premium hotlines.
Who Needs High Value Car Insurance?
You should consider this policy if you own any of the following:
- A car worth AED 300,000+
- A limited-edition, exotic, or modified car
- High-performance vehicles (e.g., Ferrari, Lamborghini)
- A luxury sedan or SUV with expensive spare parts (e.g., Bentley, Rolls-Royce, Range Rover)
Which Cars Need High Value Car Insurance?
Common models include:
- Rolls-Royce Phantom / Ghost
- Ferrari F8 / Roma / 296 GTB
- Lamborghini Urus / Huracan
- Bentley Continental / Flying Spur
- Porsche 911 / Panamera / Cayenne Turbo
- Mercedes-Benz G63 AMG / S-Class
- Tesla Model S Plaid / Model X Plaid
- Range Rover SV Autobiography
Finding the Best Insurance for High Value Cars
It’s important to remember that finding the most appropriate insurance for your vehicle requires careful consideration of certain factors. What do we mean when we say “considering certain factors”? We mean considering the insurance provider, the cost of the insurance plan, and the features available in each policy.
Comparing High Value Car Insurance Providers
- Evaluate Insurers: Assess providers who specialize in high value vehicle insurance. Not every insurer is the right one for your luxury vehicle, so it’s important to do your research thoroughly and find the ones with a specialized car policy.
- Look for Perks: Search for additional items such as rental car reimbursement or roadside assistance. You can find out more by looking at the websites of different insurance companies.
- Check Reputation: Look for popular companies with the most positive customer feedback. That is one of the easiest ways to know about your insurance provider. Customers usually share their experiences and give tips on developing a better policy.4
Top Insurance Providers for Luxury Cars in UAE
| Provider | Coverage Limit | Special Features | Claim Support |
|---|---|---|---|
| RSA Insurance | AED 1M+ | Agency repairs, off-road cover | 24/7 VIP support |
| Al Sagr Insurance | Up to car’s market value | Tabby monthly payment, zero-depreciation | Fast digital claims |
| Orient Insurance | AED 2M+ | Custom add-ons, global coverage | English/Arabic team |
| AXA (GIG Gulf) | AED 1.5M+ | Personal accident + driver protection | App-based claims |
| Tokio Marine | Agreed value cover | Replacement car for 15+ days | Dedicated concierge |
Factors to Consider When Choosing a Policy
- Exclusions: It’s always important to understand what will not be covered in case of an incident. Many car owners have been surprised (not in a good way) during a claim by discovering that certain things will not be financially supported. So, to avoid that, search for the information about exclusions.
- Coverage Limits: As mentioned before, you and your insurance provider must agree to cover the full value of your car. You need zero depreciation coverage to avoid financial loss in case of an incident. Premium motor insurance offers zero depreciation coverage for people who own the best sports cars in the UAE, such as Ferrari, Lamborghini, or Porsche.
- Customer Support: At first sight, this might not seem as important as the other factors. However, customer service is, in fact, a crucial factor in selecting a policy. The claim processes and the process to check the claim status should be efficient and fast. The accessibility of your insurance provider is a significant element.
Additional Services and Benefits
- Replacement Car Services: When your car is being repaired, you won’t be left without a vehicle. A car will be provided for you until the end of the repair process.
- Flexible Payment Options: You can create your specialized policy and choose between different payment options, which can be modified to match your circumstances.
Recommended Add-Ons for High Value Vehicles
To extend protection beyond the basics, consider these essential riders:
- Zero Depreciation Cover: Full claim without factoring depreciation
- Engine Protection: Covers engine damage from water ingress or oil leaks
- Tyre & Rim Damage Cover: Ideal for performance vehicles with expensive wheels
- Key Loss Replacement: Covers smart key replacement, often AED 3,000+
- Personal Accident Cover (Driver + Passengers)
- Roadside Assistance with VIP Towing
These are often bundled into Comprehensive Platinum Plans.
Tips for Lowering Premiums on High Value Car Insurance
Although insurance for high value cars can sometimes be expensive, there are certain ways to keep the cost lower and economical.
Taking Advantage of Discounts
- Combining Policies: You can get discounts by combining different policies, such as life insurance, home insurance, or even travel insurance.
- Loyalty Programs: For long-term policy owners, insurance providers offer special discounts to appreciate their loyalty.
Maintaining a Clean Driving Record
- Avoid Driving Violations: Although this insurance is considered to be very affordable car insurance for high-risk drivers, it is more economical for drivers who avoid driving violations. If you avoid certain violations such as speeding, running a red light, or seatbelt violations, the insurance company will provide you with a good discount. The logic behind these discounts is quite simple. The insurance provider values and appreciates car owners who drive safer and have less chance of getting into accidents. In this case, fewer claims will create a win-win situation for both ends.
- Defensive Driving Courses: These courses will show how committed you are as a vehicle owner. They will prove that you are less of a high-risk driver and show your commitment to the safety of yourself and others. Most of these courses are available online, so you don’t need to get out of your house to attend these classes.
Installing Security Features
- Equip Your Car: New technologies offer magnificent options for securing our valuable belongings. Purchase and utilize advanced anti-theft devices such as immobilizers, steering wheel locks, GPS trackers, glass break sensors, and kill switches. Many helpful devices can protect your vehicle or valuable items from theft or damage.
- Secure Parking Options: While you equip your luxury vehicle with certain devices, it’s crucial to secure the environment around it. Choosing where to park your car is important to lower the theft risk. Most specialized parking spaces have cameras and security guards.
Installment & BNPL Options for High Value Insurance
High-value insurance plans often come with hefty upfront payments. Fortunately, platforms like Tabby and Tamara now allow monthly installment plans for luxury insurance premiums in the UAE.
- 4 interest-free monthly payments through Tabby/Tamara
- No additional charges
- Available through select aggregators like Lookinsure
This flexibility helps car owners manage cash flow while securing top-tier coverage.
Drive with Confidence: Choose the Right Luxury Cars Insurance
To protect your investment in luxury cars, opt for policies designed for high-value vehicles. These tailored insurance for high value cars plans come with global protection, high liability, premium repairs, and elite service standards. Be sure to compare specialist offerings via platforms like Lookinsure to find cover that delivers luxury-level protection without compromise.
Choosing high value car insurance is not just about covering a car—it’s about protecting your lifestyle, investment, and peace of mind.
Here’s what to do:
- Compare insurer perks, claim experience, and repair options
- Check if BNPL like Tabby is available
- Always look for agreed value coverage + add-ons
- Use a trusted platform like Lookinsure for comparisons
With the right plan, your luxury ride stays protected, no matter what the UAE roads throw at it.
Frequently Answered Questions
What makes high-value car insurance different from regular insurance?
As the name suggests, this is insurance for high-performance cars. What it offers is different from other car insurance. It supports the car owner with higher coverage limits, agreed value policies, and some additional services like access to certified and official repair shops.
Are there specific requirements for insuring high-performance cars?
Yes, certain requirements should be met. The insurance provider needs proof of the vehicle’s value and evidence of up-to-date security systems and secure storage. That’s why using advanced anti-theft devices and securing your parking options is important.
How can I find the best insurance for luxury cars?
It’s important to take your time researching different providers and policies carefully. Comparison is the key here, so compare different companies and multiple policies to see which matches your needs better. A very effective way to find the best insurance is reading about other people’s experiences with the same situation as yours. To do that, you can read customer reviews on insurers’ websites and learn a lot from that feedback.
How Much Does High Value Car Insurance Cost in UAE?
Premiums for high value car insurance vary based on:
Car make and model
Vehicle value
Driver profile and claim history
Desired coverage type
Estimated cost range: AED 8,000 to AED 25,000+ annually.
Luxury sports cars and electric performance models (like Lucid Air or Tesla Plaid) often land in the higher tier of this bracket. Additional features like agency repairs and zero-depreciation also increase the premium.
Which is the most expensive car to insure in UAE?
The most expensive car to insure in the UAE can vary yearly based on factors like model, market conditions, and overall demand. However, luxury supercars like the Bugatti Chiron or McLaren P1 are often among the highest in premiums due to their high value, performance capabilities, and repair costs.
