Temporary Car Insurance in UAE, up to 90 Day Coverage

Looking for temporary car insurance or short-term motor insurance in the UAE? Whether you’re a visitor, resident, or business traveler, securing coverage like 90-day temporary car insurance ensures compliance and peace of mind. This guide explores temporary car insurance UAE options, costs, top providers, and benefits of motor insurance UAE tailored for short-term needs. Discover how to protect your drive without long-term commitments.

What Is Temporary Car Insurance in UAE?

Short term insurance is a temporary option for coverage that protects the holder against legal consequences of accidents and no-insurance penalties.

Differences from Regular Car Insurance

This is a flexible car insurance UAE policy designed to cover a vehicle for a limited period. The core difference is in the contract length and flexibility.

• Contract Length: An annual policy is a 12-month commitment. A temporary car insurance policy can be for 1 day, 1 week, 1 month, or a short term car insurance 2 months period.
• Commitment: With an annual policy, cancelling early usually results in fees. With short-term insurance, the policy simply expires on the end date you selected, with no further obligation.
• Purpose: Annual insurance is for long-term owners. Short-term car insurance is designed for temporary, specific situations, offering a precise solution for temporary needs.

Payment: You pay for the entire coverage period upfront, which, for a short term car insurance 2 months plan is a single, manageable payment.

Types of Temporary Car Insurance

Understanding the different Types of Car Insurance available will help you choose the most appropriate temporary coverage to protect yourself from potential risks. There are several types of temporary car insurance policies in the UAE, each tailored to specific needs and situations:

Temporary Rental Car Insurance

Temporary rental car insurance is designed specifically for drivers who are renting a vehicle in the UAE. This type of coverage protects the driver from financial liability for damage to the rental car or injuries to other parties involved in an accident. Many rental car companies offer temporary insurance policies, but drivers can also purchase coverage from third-party providers.

• Liability Protection

Covers third-party damages and injuries in the event of an accident where the insured is at fault. This is usually a legal requirement when renting a vehicle.

• Collision Damage Waiver (CDW)

Many rental companies offer CDW coverage, which limits the renter’s financial responsibility for damages to the rental vehicle. However, this may not cover all types of damage, so reading the terms is essential.

• Theft Protection

Protects against vehicle theft while in the renter’s possession. Some policies may limit liability for theft but typically require owners to take reasonable precautions.

What’s Covered in Temporary Car Insurance?

• Third-Party Liability (Mandatory): Covers damage/injury to others.
• Optional Comprehensive Cover: Accidents, fire, theft.
• Add-ons: Roadside assistance, Oman extension, personal accident cover.
• Note: Not all temporary policies include full coverage. Always read terms carefully.

How to Get Temporary Car Insurance in UAE

Online Platforms vs. Traditional Insurance Companies

The process for obtaining temporary insurance is now more streamlined than ever, thanks to digital innovation.

Online Aggregator Platforms (e.g., LookInsure):

• Pros: These websites allow you to compare quotes from multiple insurance providers in one place. They are designed for speed and convenience, often providing instant quotes and enabling you to purchase and receive your policy document (e-voucher) entirely online within minutes.
• Cons: The range of providers may be limited to those partnered with the aggregator.

Directly from Insurance Companies:

• Pros: You can approach providers directly through their websites, call centers, or physical branches. This might give you access to promotions not listed on aggregator sites.
• Cons: It is a time-consuming process as you need to contact each company individually for a quote to compare short-term insurance options.

Comprehensive List of Required Documents

To get an accurate quote and purchase a policy, you will typically need the following documents ready:

1. Vehicle Registration Card (Mulkiya): This is essential as it provides details about the car, such as the make, model, year of manufacture, chassis number, and registration expiry date.
2. Driver’s License: A valid UAE driving license for the main driver. Some providers may offer policies for holders of specific international licenses, but this is less common and should be verified beforehand, especially for a short term car insurance 2 months policy.
3. Emirates ID (for residents) or Passport (for visitors): Required for identification and verification purposes.

Step-by-Step Process to Purchase Short-Term Car Insurance

1. Get a Quote: Visit an online insurance aggregator like LookInsure. Enter your vehicle details (using the Mulkiya) and specify the exact coverage period you need (e.g., select short term car insurance 2 months).
2. Compare Plans: You will receive multiple quotes from different insurers. Carefully review the coverage levels, benefits (like roadside assistance or agency repair), exclusions, and prices for each short term insurance option.
3. Select and Customize: Choose the plan that best fits your needs and budget. You may have options to add or remove specific coverages or adjust the voluntary excess to fine-tune the premium.
4. Make Payment: Pay for the policy securely online using a credit or debit card. The system will generate a payment link once you finalize your selection.

Receive Policy Instantly: Your official insurance policy document (e-voucher) will be emailed to you immediately. This digital document is your proof of insurance and should be kept in the vehicle at all times, as required by UAE law.

Required Documents for Temporary Insurance:

• Valid Driver’s License (A current and valid driver’s license is required, and this must be recognized in the UAE.)
• Identification Proof
• Proof of Address
• Prior Insurance Information (If you have previous insurance or current coverage that may affect the new policy, provide relevant documentation.)

Who Needs Short-Term Car Insurance in UAE?

Short term car insurance can secure your rental safety deposit, avoid legal issues, and more. Here are the main groups who must have it:

Expats or Visitors with Temporary Vehicles

The UAE’s large expatriate population can benefit from short-term car insurance the most.

• Newly Arrived Expats: Individuals who have just moved to the UAE often need immediate mobility but may not be able to commit to an annual policy before their residency visa is finalized.
• Tourists and Visitors: Those planning to drive a friend’s or family member’s car can use short term car insurance to get the legally required coverage. This avoids the host having to add a temporary driver to their annual policy, which can be a cumbersome process that might affect their no-claims discount.
• Individuals on Tourist Visas: For those entering the UAE on a tourist visa who wish to drive, a temporary short term car insurance policy is often the only viable option to comply with the law.

People Buying a Car for a Short Period

There are numerous scenarios where owning a car for a limited time makes sense, and an annual policy does not.

• Fixed-Term Contract Workers: If you are in the UAE for a specific project lasting 6 or 9 months, buying a car and insuring it with a short term car insurance 2 months (renewable) or a 6-month policy is a financially smart move.
• Students: Academic programs, especially exchange semesters, are ideal situations for a temporary car insurance policy that matches the academic calendar.
• Trial Periods: If you are test-driving a car with the intention to buy but need a few weeks to decide, a short-term policy provides the necessary coverage without long-term risk.

Drivers Needing Coverage for Occasional Trips

Even permanent residents can find value in short-term car insurance for specific circumstances.

• Primary Vehicle Undergoing Repair: If your main car is in the shop for extended repairs and you are using a secondary or borrowed vehicle, a temporary car insurance policy for that period is far more cost-effective than altering an annual policy.
• Special Occasions or Road Trips: Planning a two-week road trip across the UAE? Insuring a family member’s car for that exact period with short-term insurance is a practical solution.

Fleet Vehicles for Short Projects: Companies can ensure additional fleet vehicles for the precise duration of a specific project, optimizing operational costs with a tailored short term car insurance plan.

Duration of Temporary Car Insurance Plans

Temporary car insurance plans are designed with flexibility in mind. They offer various duration options, ensuring that policyholders can select the coverage that best fits their circumstances. Here’s a detailed look at the different durations available in temporary car insurance:

One-Day Temporary Car Insurance

This option is perfect for those needing coverage for a single day. It’s a convenient choice for short-term needs, giving you peace of mind while driving a vehicle briefly.

7-Day Temporary Car Insurance

If your driving needs extend beyond just a day, a 7-day temporary car insurance policy might be the right choice for you. This plan offers coverage for an entire week, making it ideal for vacations, business trips, or any situation where you require a vehicle for several days.

30-Day Temporary Car Insurance

30-day temporary car insurance is an excellent option for those requiring a more extended coverage period. This plan is particularly useful for individuals relocating, using a rental car for a month, or temporarily borrowing a vehicle from a friend or family member.

90-Day Temporary Car Insurance – Who Offers It in the UAE?

If you need even more extended coverage, a 90-day temporary car insurance plan can provide the security you require for up to three months. This option is beneficial for individuals who may be on an extended trip, working on a business project, or temporarily using a vehicle without owning one.

• Select providers (e.g., Al Sagr, Methaq, RTA-approved brokers) offer 3-month plans.
• Available through dealers during car transfers or directly from insurers.
• Pricing factors: Car value, driver age, coverage type (Comprehensive vs Third-Party).

Temporary Business Car Insurance

Temporary business car insurance is a policy primarily for business owners. It provides coverage for cars and vehicles used for business purposes, such as traveling, logistics, etc. This policy’s main point is to give business owners freedom to buy insurance for only the limited time the business needs. Temporary car insurance for business is mainly helpful for:

• Companies and businesses that are participating in events or exhibitions
• Short-term projects like camera shooting, agencies, and party planners
• Companies that are testing new vehicles before permanent use

How Can You Buy Temporary Car Insurance for Businesses?

To obtain Temporary business car insurance, your representative of the company should provide these documents to the insurance company:

1. Proof of Business ownership or LLC registration
2. Vehicle details such as model, make, registration, etc.
3. Licenses and identification of all drivers

Costs and Duration

Depending on the type of coverage you go for and the duration of your short term car insurance, the prices can vary significantly.

Price Range for Short-Term Car Insurance 2 Months

The cost of a short term car insurance 2 months is not fixed and can vary significantly based on several factors. However, to provide a realistic expectation:

• Third-Party Liability Only: For a standard sedan, a 2-month policy can range from AED 250 to AED 600. This is the minimum legal requirement, but it offers no protection for your own vehicle.
• Comprehensive Coverage: For the same vehicle, a comprehensive short term car insurance 2 months policy, which includes own-damage cover, will typically range from AED 500 to AED 1,500.

It is crucial to understand that these are estimates, and the final price for your short term car insurance will be determined by the factors listed below.

Factors Affecting Your Premium

Several key factors directly influence the final price of your temporary car insurance policy:

• Car Type and Value: The make, model, year, and market value of the vehicle are primary determinants. A luxury car will have a higher premium than a standard economy car.
• Driver’s Age and Experience: Younger drivers (under 25) and those with less driving experience are statistically at a higher risk, leading to higher premiums for their temporary car insurance policy.
• Coverage Type: As shown above, comprehensive coverage is more expensive than third-party liability.
• Driver’s Claim History: A history of at-fault accidents can significantly increase your premium.
• Policy Duration and Selected Add-ons: Adding benefits like roadside assistance or opting for repair at an agency garage will increase the cost.

Practical Tips to Save Money on Your Policy

• Compare Quotes Diligently: Never settle for the first quote you see. Use online comparison sites to get multiple short-term insurance offers quickly. This is the single most effective way to save money.
• Choose Third-Party Liability if Appropriate: If your car is older, has a low market value, or is a temporary run-around, third-party short-term insurance can be a very cost-effective option.
• Increase Your Voluntary Excess: Agreeing to pay a higher amount (the excess) in the event of a claim can lower your annual premium. Only choose an amount you can comfortably afford.

Ask About Discounts: Inquire about any available discounts, such as for installing a telematics device (which monitors driving behavior) or for having a clean driving record.

Compare Temporary Car Insurance Coverage

To help you find the best temporary car insurance policy for your needs, we have compiled a list of UAE-based short term car insurance providers along with their coverage details and add-ons:

Temporary vs Annual Motor Insurance in UAE

In this subject, we divided the total cost by days, but the real difference lies in how time impacts the cost. Short-term policies are more expensive per day than annual policies but can still be more cost-effective for drivers who only need coverage for a limited period.

If you’re unsure when to secure a policy, consider the Best Time to Buy Car Insurance to maximize savings.

To find the best temporary car insurance policy for your needs and budget, comparing quotes from multiple providers is essential. At Lookinsure, we’ve gathered quotes and prices from different insurers to help you make better decisions quickly. You can review competitive rates and coverage options available in the UAE market in less than 2 minutes.

Feature	Temporary Insurance	Annual Insurance
Duration	1–90 days	12 months
Cost	Lower upfront	More value long-term
Ideal For	Temporary use, resale	Regular car ownership
Coverage Options	Limited or basic	Comprehensive + add-ons
Renewability	Non-renewable	Renewable annually

Compare Short Term Car Insurance UAE Providers on Lookinsure

If you want to buy temporary insurance online, our platform lets you get instant quotes from various reliable insurance providers in the UAE. Log in, insert your car’s details, and compare the available plans, benefits, and prices.

• OIC (Orient Insurance Company)
• AXA temporary car insurance
• Abu Dhabi National Insurance Company (ADNIC)
• Dubai Insurance Company
• Emirates Insurance Company
• Ras Al Khaimah National Insurance Company (RAKNIC)
• Union Insurance Company
• Al Ain Ahlia Insurance Company
• Qatar Insurance Company (QIC)

Why Choose Temporary Car Insurance in the UAE?

Temporary car insurance UAE offers unmatched flexibility for short-term drivers, from 90-day temporary car insurance to daily plans. Whether you need short term car insurance for rentals, business trips, or borrowed vehicles, these policies save costs and ensure legal compliance. Compare providers today for tailored motor insurance UAE solutions!

Frequently Answered Questions