Temporary Car Insurance in UAE – Short-Term Cover from 1 Day to 90 Days

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?

Temporary car insurance, also known as short term motor insurance, is a type of car insurance for a limited period. It mostly covers from one day to less than one year. This type of insurance is usually offered to people who rent a car on vacation, lease a loan car, or borrow a car for a short time.

Especially if you are in a new country with little experience in driving, we suggest using plans like temporary car insurance for young drivers. It is available for both residents and visitors. So, if you’re a resident but need limited-time insurance for a reason, instead of a full-time policy, buying temporary car insurance can be a wise option.

Flexibility is the key benefit of temporary insurance, and it also has the same coverage as normal car insurance if any accidents happen. Exactly like a full-year policy, you can customize the coverages you need to fit your situation. This can result in significant cost savings and also helps you in case of an accident, whether it’s theft or a typical crash on highways. learn more about GIG Gulf Insurance

Short Term Motor Insurance – When and Why You Need It

•  Common Use Cases
  • Buying/selling a car
  • Test drives
  • Borrowing a car for a few days
  • Imported cars pending registration
  • Insurance for RTA testing or transfer
• Duration Options
  • 1 day, 7 days, 30 days, 60 days, or 90-day temporary car insurance
• Benefits
  • Affordable
  • No long-term commitment
  • Instant digital policy

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

Like other policies, purchasing temporary rental car insurance requires specific documents. Changing Car Insurance could be a beneficial step if you’re considering changing insurers for better rates. Multi-Car Insurance may also be an efficient solution for families or individuals managing multiple cars.

• Via online aggregators like Lookinsure.
• Through dealers during car purchase/registration.
• Directly from insurers/brokers (e.g., Al Sagr, Methaq).

• Valid Driver’s License (if you are a visitor, ensure you have an international driver’s license).
• Identification Proof (a copy of passport or Emirates ID)
• Rental agreement
• Proof of Address
• Credit card
• Previous Insurance Documents (if applicable)

Temporary Non-owner Car Insurance

Temporary non-owner car insurance is ideal for drivers who do not own a vehicle but still require coverage for occasional driving, such as when borrowing a friend’s car or using a shared vehicle.

This policy provides liability coverage for damage or injury caused by the policyholder while driving a vehicle they do not own.

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.)

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

Temporary Car Insurance Cost

Just like long-term car insurance policies, the cost of temporary car insurance in the UAE depends on several factors, including the number of days you require the policy, the level of coverage, and the driver’s age, driving history, and vehicle type. In general, if you calculate which option is more economical between long-term and short-term motor insurance, long-term policies are usually the winner.

For new drivers, understanding 1st Time Car Insurance can be helpful to determine how temporary coverage differs from long-term plans.

Compare quotes from multiple providers to find the best temporary car insurance policy for your needs and budget. Lookinsure gathered quotes and prices from different insurers to help you make better decisions quickly. You can buy competitive rates and coverage options available in the UAE market in less than 2 minutes.

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 motor 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.

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 motor 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