Navigating the types of car insurance in UAE can be overwhelming, with various car insurance options, terms, and insurance providers to understand. In this guide, we’ll break down the different types of car insurance in UAE, making it easier for you to make your decision, aligning with car insurance policies.
So if you’re looking for updated and verified information about the types of motor insurance as a vehicle owner, you’ll find organized and easy-to-understand tables with the following information about all types of car insurance in UAE: coverage details + potential add-ons under the UAE law + inclusions + exclusions + benefits. This will help you choose the most suitable car insurance policy for you of the different levels of car insurance and different kinds of car insurance according to your needs and circumstances.
Frequently Answered Questions
1: How many types of car insurance are there in the UAE?
There are typically 4 main types of car insurance in UAE: Third Party Liability, Third Party Liability with Theft and Fire, Basic Comprehensive, and Comprehensive.
2: How many types of car insurance are there in Dubai?
Similar to UAE in general, there are 4 types of car insurance in Dubai: Third Party Liability, Third Party Liability with Theft and Fire, Basic Comprehensive, and Comprehensive.
3: What is comprehensive car insurance in UAE?
Comprehensive car insurance covers both the insured vehicle and third parties (other people), offering protection against accidents, theft, fire, and more.
4: What is the most common types of auto insurance?
Comprehensive insurance is generally the most preferred of the types of motor insurance due to its extensive coverage.
5: Is comprehensive insurance the same as full coverage?
Yes. Comprehensive insurance is often referred to as full coverage due to its extensive protection against various risks. It covers a broad spectrum of incidents, including accidents, theft, fire, and natural disasters.
Key Takeaways: Types of Car Insurance in UAE
Lookinsure is all about making the best of your time and money; so, here’s a short version (TLDR or Too Long, Didn’t Read) of all the points on different types of car insurance in UAE and how to choose the best one.
Types of Car Insurance in UAE
There are typically 4 main types of car insurance in UAE: Third Party Liability, Third Party Liability with Theft and Fire, Basic Comprehensive, and Comprehensive.
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Types of Car Insurance Coverage in Dubai for not Overspending
There are 5 main types of car insurance in Dubai that drivers can choose from. Understanding these car insurance types in UAE (as part of car insurance buying guide) is crucial to ensure that you’re adequately protected without overspending. But there’s also a more basic question: Is car insurance mandatory in Dubai? It is mandatory, but there are ways to save on it; check out the guide and you’ll see.
It’s important to keep reading about different kinds of car insurance and different levels of car insurance to avoid unnecessary costs on insurance you don’t need or risk facing financial hardship if something unexpected happens. At Lookinsure mag, we’re here to guide you in selecting the right coverage of the types of motor insurance that suits your needs. Also you can read our full guide on comprehensive vs third party insurance to get a more detailed analysis.
Third Party Liability Insurance
Third Party Liability (TPL) insurance is the most basic type of the various types of car insurance in Dubai, which is required by law. It covers any damages or injuries you cause to another person, their vehicle, or their property in an accident where you are at fault. However, it does not cover damages to your own vehicle. By the way, if someone else other than you drives your car, consider additional driver cover insurance as well.
Benefits of Third Party Liability Car Insurance
Here are the most basic benefits of 3rd party liability car insurance:
Inclusions of Third Party Liability Car Insurance
Your third party car insurance will include (cover) the following:
| 1: Third-Party Liability |
| 2: Own Physical/Bodily Damage |
| 3: Personal Accident Cover |
| 4: Loss or Damage to Other’s Personal Belongings |
| 5: Medical Expenses |
| 6: Towing |
| 7: Alternative Transportation |
Exclusions of Third Party Liability Car Insurance
Your third party car insurance in UAE will not include (cover) the following:
| Damage to Insured Vehicle |
| Natural Disasters |
| Driving Without a Valid License |
| Loss or Damage to Personal Belongings |
| Wear and Tear |
| Intentional Acts |
| Driving Under the Influence |
| Injuries to Insured Driver or Passengers |
Third Party Liability Insurance with Theft and Fire Coverage
Of the many types of car insurance in UAE, this type of insurance is a combination of standard Third Party Liability (TPL) coverage and additional protection against third party fire and theft car insurance damage to the insured vehicle. For more information, check out types of car insurance articles.
Benefits of Third Party Liability Insurance with Theft and Fire Coverage
Here are the most basic benefits of 3rd party liability car insurance with theft and fire coverage:
- Protects against financial losses
- Covers theft and fire damage
- Provides compensation for fire damage
- Peace of mind
Inclusions of Third Party Liability Insurance with Theft and Fire Coverage
Your third party car insurance with theft and fire coverage will include (cover) the following: (for more information, check out the guide on does vehicle insurance cover theft to get a complete picture)
| Coverage | Description |
| Third Party Liability | Covers bodily injury and property damage caused to others in an accident. |
| Theft | Covers the loss of the insured vehicle due to theft. |
| Fire | Covers damage to the insured vehicle caused by fire. |
Exclusions of Third Party Liability Insurance with Theft and Fire Coverage
Your third party car insurance with theft and fire coverage will not include (cover) the following:
| Exclusion | Description |
| Damage to Insured Vehicle | Any damage to the insured vehicle, except for theft or fire, is not covered. |
| Injuries to Insured Driver or Passengers | Bodily injuries sustained by the insured or their passengers are not covered. |
| Loss or Damage to Personal Belongings | Items stolen or damaged from the vehicle are not covered. |
| Driving Without a Valid License | Claims made while driving without a valid license are void. |
| Driving Under the Influence | Accidents caused while under the influence of alcohol or drugs are not covered. |
| Intentional Acts | Deliberate damage or injury caused by the insured is not covered. |
| Illegal Activities | Claims arising from illegal activities are excluded. |
| Wear and Tear | Normal wear and tear to the vehicle is not covered. |
| War and Terrorism | Damage caused by war, terrorism, or similar events is excluded. |
| Natural Disasters | Damage caused by natural disasters (e.g., earthquakes, floods) is not covered. |
Check flood car insurance coverage add-ons that specifically deal with this issue for better coverage.
Basic Comprehensive Policy
Offers essential coverage for your vehicle and third-party liabilities. Protects against accidents, theft, and fire. Provides a solid foundation for insurance needs and that’s why it is one of the popular types of car insurance in UAE.
Benefits of Basic Comprehensive Car Insurance in UAE
Here are the benefits of basic comprehensive car insurance in UAE:
- Covers your car and others.
- Protection against accidents, theft, fire.
- Financial security
- Peace of mind
Inclusions of Basic Comprehensive Car Insurance in UAE
Your basic comprehensive car insurance in UAE will include (cover) the following:
| Coverage | Description |
| Third Party Liability | Covers bodily injury and property damage caused to others in an accident |
| Own Damage | Covers damage to the insured vehicle caused by accidents, theft, fire, and other covered perils |
| Personal Accident Cover | Limited coverage for the insured driver |
Exclusions of Basic Comprehensive Car Insurance in UAE
Your basic comprehensive car insurance in UAE will not include (cover) the following:
| Exclusion | Description |
| Wear and Tear | Normal wear and tear to the vehicle is not covered. |
| Intentional Acts | Deliberate damage or injury caused by the insured is not covered. |
| Driving Without a Valid License | Claims made while driving without a valid license are typically void. |
| Driving Under the Influence | Accidents caused while under the influence of alcohol or drugs are not covered. |
| War and Terrorism | Damage caused by war, terrorism, or similar events is excluded. |
| Natural Disasters | Damage caused by natural disasters (e.g., earthquakes, floods) may have limitations or exclusions. |
| Mechanical Breakdown | Damage caused by mechanical failure is not covered. |
By the way, if you don’t fully understand the concept of bonus, check no claim bonus in motor insurance guide to save on the cost of car insurance.
Add-ons of Basic Comprehensive Car Insurance in UAE
Your basic comprehensive car insurance in UAE has the following add-on options:
| Add-on | Description |
| Roadside Assistance | Provides assistance in case of breakdowns, accidents, or other emergencies. |
| Towing | Covers the cost of towing your vehicle to a repair shop. |
| Personal Accident Cover (expanded) | Provides increased coverage for the insured driver and passengers. |
| Loss or Damage to Personal Belongings | Covers items stolen or damaged from the vehicle. |
| Windscreen Repair or Replacement | Covers damage to the vehicle’s windscreen. |
| Key Replacement | Covers the cost of replacing lost or stolen car keys. |
| Emergency Accommodation | Provides accommodation expenses in case of accidents or breakdowns far from home. |
Comprehensive Policy
Offers comprehensive coverage for your vehicle and others, including a wide range of benefits and protections. Ideal for those seeking complete financial security, including protection against mechanical breakdowns, among car insurance options in the UAE.
Benefits of Comprehensive Car Insurance in UAE
Here are the benefits of comprehensive policy car insurance in UAE:
- Comprehensive coverage for both the insured vehicle and third parties
- Protection against a wide range of risks, including accidents, theft, fire, and natural disasters
- Financial security in case of unexpected incidents
- Peace of mind knowing you have maximum coverage
Inclusions of Comprehensive Car Insurance in UAE
Your comprehensive policy car insurance in UAE will include (cover) the following:
| Coverage | Description |
| Third Party Liability | Covers bodily injury and property damage caused to others in an accident. |
| Own Damage | Covers damage to the insured vehicle caused by accidents, theft, fire, and other covered perils. |
| Personal Accident Cover | Provides compensation for injuries sustained by the insured driver and passengers. |
| Loss or Damage to Personal Belongings | Covers items stolen or damaged from the vehicle. |
| Medical Expenses | Covers medical costs for the insured and passengers in case of an accident. |
| Roadside Assistance | Provides assistance in case of breakdowns, accidents, or other emergencies. |
| Towing | Covers the cost of towing your vehicle to a repair shop. |
| Alternative Transportation | Provides temporary transportation while your vehicle is under repair. Take a look at temporary car insurance as well. |
| Windscreen Repair or Replacement | Covers damage to the vehicle’s windscreen. |
| Key Replacement | Covers the cost of replacing lost or stolen car keys. |
| Emergency Accommodation | Provides accommodation expenses in case of accidents or breakdowns far from home. |
Exclusions of Comprehensive Car Insurance in UAE
Your comprehensive car insurance in UAE will not include (cover) the following:
| Exclusion | Description |
| Wear and Tear | Normal wear and tear to the vehicle is not covered. |
| Intentional Acts | Deliberate damage or injury caused by the insured is not covered. |
| Driving Without a Valid License | Claims made while driving without a valid license are typically void. |
| Driving Under the Influence | Accidents caused while under the influence of alcohol or drugs are not covered. |
| War and Terrorism | Damage caused by war, terrorism, or similar events is excluded. |
| Natural Disasters | Damage caused by natural disasters (e.g., earthquakes, floods) may have limitations or exclusions. |
| Mechanical Breakdown | Damage caused by mechanical failure is not covered. |
Add-ons of Comprehensive Car Insurance in UAE
Your comprehensive or full car insurance in UAE has the following add-on options:
| Add-on | Description |
| Roadside Assistance | Provides assistance in case of breakdowns, accidents, or other emergencies |
| Towing | Covers the cost of towing your vehicle to a repair shop |
| Personal Accident Cover (Expanded) | Provides increased coverage for the insured driver and passengers |
| Loss or Damage to Personal Belongings | Covers items stolen or damaged from the vehicle |
| Windscreen Repair or Replacement | Covers damage to the vehicle’s windscreen |
| Key Replacement | Covers the cost of replacing lost or stolen car keys |
| Emergency Accommodation | Provides accommodation expenses in case of accidents or breakdowns far from home |
Premium Comprehensive Policy
Offers maximum coverage and benefits. Surpasses standard policies with enhanced features. Ensures financial security and peace of mind among different types of car insurance in UAE. By now, you’re familiar with insurance types. So, here’s a quiz! Does car insurance cover scratches and dents? If you’re not sure, check out the article.
Benefits of Premium Comprehensive Car Insurance in UAE
Here are the benefits of premium comprehensive policy car insurance in UAE:
- Comprehensive coverage
- High coverage limits
- Exclusive benefits
- Superior assistance
- Specialized claims handling
Inclusions of Premium Comprehensive Car Insurance in UAE
Your premium comprehensive car insurance in UAE will include (cover) the following:
| Coverage | Description |
| Third Party Liability | Comprehensive coverage for bodily injury and property damage caused to others. |
| Own Damage | Extensive coverage for damage to the insured vehicle, including higher repair costs and replacement value. |
| Personal Accident Cover | Comprehensive coverage for injuries sustained by the insured driver and passengers, including medical expenses, disability, and death benefits. |
| Loss or Damage to Personal Belongings | Enhanced coverage for items stolen or damaged from the vehicle. |
| Medical Expenses | Comprehensive coverage for medical costs for the insured and passengers, including emergency treatment and hospitalization. |
| Roadside Assistance | Premium roadside assistance services, including towing, tire change, battery jump-start, and emergency fuel delivery. |
| Alternative Transportation | Upgraded transportation options while the vehicle is under repair, such as rental car or taxi services. |
| Windscreen Repair or Replacement | Comprehensive coverage for windscreen damage, including replacement with original equipment. |
| Key Replacement | Coverage for replacing lost or stolen car keys, including advanced security features. |
| Emergency Accommodation | Enhanced accommodation coverage in case of accidents or breakdowns far from home, including higher daily limits. |
| Legal Expenses | Coverage for legal costs incurred in case of accidents or disputes. |
Exclusions of Premium Comprehensive Car Insurance in UAE
Your premium comprehensive car insurance in UAE will not include (cover) the following:
| Exclusion | Description |
| Wear and Tear | Normal wear and tear to the vehicle is not covered. |
| Intentional Acts | Deliberate damage or injury caused by the insured is not covered. |
| Driving Without a Valid License | Claims made while driving without a valid license are typically void. |
| Driving Under the Influence | Accidents caused while under the influence of alcohol or drugs are not covered. |
| War and Terrorism | Damage caused by war, terrorism, or similar events is excluded. |
| Natural Disasters | Damage caused by natural disasters (e.g., earthquakes, floods) may have limitations or exclusions. |
| Mechanical Breakdown | Damage caused by mechanical failure is not covered. |
Add-ons of Premium Comprehensive Car Insurance in UAE
Your premium comprehensive car insurance in UAE has the following add-on options:
| Add-on | Description |
| Roadside Assistance | Provides assistance in case of breakdowns, accidents, or other emergencies. |
| Towing | Covers the cost of towing your vehicle to a repair shop. |
| Personal Accident Cover (Expanded) | Provides increased coverage for the insured driver and passengers. |
| Loss or Damage to Personal Belongings | Covers items stolen or damaged from the vehicle. |
| Windscreen Repair or Replacement | Covers damage to the vehicle’s windscreen. |
| Key Replacement | Covers the cost of replacing lost or stolen car keys. |
| Emergency Accommodation | Provides accommodation expenses in case of accidents or breakdowns far from home. |
Add-ons Comparison table of types of car insurance in Dubai, UAE
In the following table, you can see the full comparison of add-ons in types of car insurance in UAE:
| Add-ons | Third Party Liability Insurance | Third Party Liability Insurance with Theft and Fire Coverage | Basic Comprehensive Policy | Comprehensive Policy | Premium Comprehensive Policy |
| Personal Accident Cover | ❌ | ❌ | ❌ | ❌ | ✅ |
| Replacement Car Cover | ✅ | ❌ | ❌ | ❌ | ✅ |
| Agency Repair | ❌ | ❌ | ❌ | ❌ | ✅ |
| Return to Invoice Cover | ❌ | ❌ | ❌ | ❌ | ✅ |
| Roadside Assistance Cover | ❌ | ❌ | Optional | ✅ | ✅ (Premium) |
| No Claim Bonus | ❌ | ❌ | ❌ | ❌ | ✅ |
| Insured Declared Value | ❌ | ❌ | ❌ | ❌ | ✅ |
| Air Bag Protection | ❌ | ❌ | ❌ | ❌ | ✅ |
| Zero Depreciation Car Insurance | ❌ | ❌ | ❌ | ❌ | ✅ |
| Passenger Cover with Car Insurance | ❌ | ❌ | ❌ | ✅ | ✅ |
Inclusions Comparison table of types of car insurance in Dubai, UAE
In the following table, you can see the full comparison of inclusions in types of car insurance in UAE:
| Coverage | Third Party Liability Insurance | Third Party Liability Insurance with Theft and Fire Coverage | Basic Comprehensive Policy | Comprehensive Policy | Premium Comprehensive Policy |
| Third Party Liability | ✅ | ✅ | ✅ | ✅ | ✅ |
| Theft | ✅ | ✅ | ✅ | ✅ | |
| Fire | ✅ | ✅ | ✅ | ✅ | |
| Own Damage | ✅ | ✅ | ✅ | ||
| Personal Accident Cover | Limited | ✅ | ✅ | ||
| Loss or Damage to Personal Belongings | ✅ | ✅ | |||
| Medical Expenses | ✅ | ✅ | |||
| Roadside Assistance | Optional | ✅ | ✅ | ||
| Towing | Often Included | Often Included | Often Included | ||
| Alternative Transportation | Often Included | Often Included | Often Included | ||
| Windscreen Repair or Replacement | Often Included | Often Included | Often Included | ||
| Key Replacement | Often Included | Often Included | Often Included | ||
| Emergency Accommodation | Often Included | Often Included | Often Included | ||
| Legal Expenses | ✅ |
Exclusions Comparison table of types of car insurance in Dubai, UAE
In the following table, you can see the full comparison of exlusions in types of car insurance in UAE:
| Exclusion | Third Party Liability Insurance | Third Party Liability Insurance with Theft and Fire Coverage | Basic Comprehensive Policy | Comprehensive Policy | Premium Comprehensive Policy |
| Damage to Insured Vehicle | ✅ | ❌ (except theft and fire) | ❌ | ❌ | ❌ |
| Injuries to Insured Driver or Passengers | ✅ | ✅ | ❌ | ❌ | ❌ |
| Loss or Damage to Personal Belongings | ✅ | ✅ | ✅ | ❌ | ❌ |
| Driving Without a Valid License | ✅ | ✅ | ✅ | ✅ | ✅ |
| Driving Under the Influence | ✅ | ✅ | ✅ | ✅ | ✅ |
| Intentional Acts | ✅ | ✅ | ✅ | ✅ | ✅ |
| Illegal Activities | ✅ | ✅ | ✅ | ✅ | ✅ |
| Wear and Tear | ✅ | ✅ | ✅ | ✅ | ✅ |
| War and Terrorism | ✅ | ✅ | ✅ | ✅ | ✅ |
| Natural Disasters | ✅ | ✅ | Often excluded or limited | Often excluded or limited | Often excluded or limited |
| Mechanical Breakdown | ✅ | ✅ | ✅ | ✅ | ✅ |
Add-ons Comparison table of types of car insurance in Dubai, UAE
In the following table, you can see the full comparison of exclusions in types of car insurance in UAE:
| Add-ons | Third Party Liability Insurance | Third Party Liability Insurance with Theft and Fire Coverage | Basic Comprehensive Policy | Comprehensive Policy | Premium Comprehensive Policy |
| Personal Accident Cover | ❌ | ❌ | Limited | Included | Enhanced |
| Replacement Car Cover | ❌ | ❌ | ❌ | ❌ | ✅ |
| Agency Repair | ❌ | ❌ | ❌ | ❌ | ✅ |
| Return to Invoice Cover | ❌ | ❌ | ❌ | ❌ | ✅ |
| Roadside Assistance Cover | ❌ | ❌ | Optional | Included | Premium |
| No Claim Bonus | ❌ | ❌ | ❌ | ✅ | ✅ |
| Insured Declared Value | ❌ | ❌ | ❌ | ❌ | ✅ |
| Air Bag Protection | ❌ | ❌ | ❌ | ❌ | ✅ |
| Zero Depreciation Car Insurance | ❌ | ❌ | ❌ | ❌ | ✅ |
| Passenger Cover with Car Insurance | ❌ | ❌ | ❌ | Included | Included |
| Driver Training Programs | ❌ | ❌ | ❌ | ❌ | Optional |
| Car Rental Discounts | ❌ | ❌ | ❌ | ❌ | Optional |
How to choose the best types car insurance in UAE
Carefully consider factors like your driving habits, car value, and budget when selecting between kinds of car insurance. Lookinsure can help you with how to choose car insurance by offering a wide range of options and comparing quotes from different insurers.
