Car Insurance in Sharjah
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Regulated by the Government of Dubai
All across the UAE, including Sharjah, car insurance is mandatory for road legality, and driving an uninsured vehicle, besides being financially responsible, risks a fine of AED 500, 4 black marks, and a 7-day vehicle impoundment.
So, in order to avoid such complications, it is important to put car insurance at the top of your priorities. For Buying car insurance Sharjah citizens can easily go to Lookinsure where they can compare prices from multiple providers just with a few clicks.
Here, you will find everything you need to know about buying online car insurance in Sharjah, from available types of policies to the most reputable providers in the city.
Why Car Insurance in Sharjah is Essential
In Sharjah, car insurance isn’t just a legal requirement; it helps drivers cover the costs of accidents, damages, and other liabilities, and tha is acatly why it is necessary. Whether you drive through the busy streets of Sharjah city or commute across the emirates, road risks are always present. Without car insurance Sharjah, even a minor accident could result in costly repairs, medical expenses, or third-party claims that fall entirely on you.
At the same time, insurers in Sharjah offer a wide range of plans to suit different needs and budgets. For example, drivers looking for cheap car insurance Sharjah can choose basic third-party policies, while those seeking broader coverage can opt for comprehensive plans that also cover theft, fire, or natural calamities.
With the added flexibility of online comparisons, finding the right balance between affordability and protection has become much easier. This makes car insurance Sharjah UAE not just a requirement but also a smart investment in your safety and peace of mind.
How Lookinsure Helps You Find the Right Car Insurance in Sharjah?
Lookinsure has a few options that can help drivers find the bets car insurance Sharjah city has to offer its citizens. Here are some of these perks:
Easy Comparison
Instead of getting quotes one by one from every provider out there, you can view a list of options from multiple companies in just a minute.
Simplified Process
Lookinsure’s streamlined online processing makes doing everything car insurance-related quicker and more convenient than it has ever been before.
Installment Payment Options It is now possible to use Tabby as your method of payment which gives our clients the option of paying in installment and winning an AED 500 discount too.
24/7 Support
Customer satisfaction is of the utmost importance to our team and our positive Google reviews are a testament to our insistence on keeping every single one of our customers happy.
Benefits of Buying Car Insurance Online in Sharjah
Getting car insurance Sharjah online is one of the easiest and most efficient ways to secure coverage. Instead of visiting multiple providers in person, you can compare policies, check benefits, and purchase the right plan directly from your phone or computer. This process puts more control in your hands while saving valuable time.
Key benefits include:
- Convenience: Handle everything from home without visiting offices.
- Comparison: Instantly see different policies side by side, including prices and features.
- Quick Process: Skip lengthy calls and paperwork—many policies can be finalized in minutes.
- Custom Choices: Choose between third-party and comprehensive plans, add-ons, and deductibles that fit your budget.
- Safe Transactions: Trusted platforms ensure your personal and payment details remain secure.
With online access to motor insurance Sharjah, drivers can easily find the policy that matches their needs, whether they’re after the cheapest option or the most extensive coverage.
Types of Motor Insurance Sharjah
There are two main types of car insurance Sharjah companies offer: comprehensive and third-party which we will explain in detail below.
Comprehensive Car Insurance Sharjah
This is the most inclusive package there is out there. Comprehensive car insurance policies not only cover the cost of damages to third-party vehicles, individuals, or property, but they also offer compensation to own damages as well. So, if you are looking for ultimate coverage, this is definitely the right option for you.
Third-Party Car Insurance Sharjah
As the name suggests, third-party liability insurance only covers damages caused by your cars to a third-party. This policy is cheaper than comprehensive insurance and is all you need to make your vehicle compliant with the law.
Coverage Under Car Insurance Policy in Sharjah
Let's take a look at car insurance inclusions and exclusions in Sharjah.
What Does Auto Insurance Cover in Sharjah?
| Accident-Related Damages | Damages from accidents are covered by insurance. While plans that're comprehensive for car insurance cover all damages to all vehicles involved, third-party liability only covers damages to third-party vehicles |
| Fire and Theft | Another thing that is covered only by comprehensive policies is losses resulting from fire and theft. However, most insurance providers offer this option as an add-on to third-party liability policies as well |
| Natural Disasters and Vandalism | Comprehensive plans often cover damages caused by natural disasters such as floods, storms, and also malicious acts like vandalism. Check flood car insurance coverage add-ons that specifically deal with this issue for better coverage. |
| Personal Accident Cover | Medical expenses for injuries suffered in an accident can also be covered by your insurance policy. However, this option is usually available as an add-on |
| Roadside Assistance | Roadside assistance is also available for those who buy the option as an add-on. However, some providers include this coverage in their comprehensive packages |
What Does Auto Insurance in Sharjah Not Cover?
| Intentional Damage | Damages caused deliberately or through illegal activities are not covered by car insurance in Sharjah |
| Driving Under the Influence | If you get into an accident while you are under the influence of illegal substances, your damages will not be covered by insurance |
| Unauthorized Modifications | Damages caused or repairs needed due to unauthorized modifications also won’t be covered |
| Racing or Off-Roading | Damages resulting from racing or off-road use are typically excluded unless specific add-ons, which a lot of companies in the area offer, are attached to your policy. You can read more for off road insurance coverage to stay covered. |
| Wear and Tear | Damages caused by wear and tear are not covered |
| Using an Expired License | Your insurance policy is only valid so far as your driving license is, so you must make sure you renew your license before it expires |
Top Car Insurance Companies in Sharjah
Here is a list of some of the best insurance companies in Sharjah for you to pick from:
GIG Gulf (Formerly AXA Insurance Company)
A multinational insurance giant with a heavy presence in the UAE, with policies ranging from AED 1,800 to AED 3,500 annually.
Sukoon (Formerly Oman) Insurance Company
The award-winning Sukoon Insurance boasting a wide range of online services has policies that range from AED 1,600 to AED 3,200.
Methaq Takaful Insurance
If you are looking for a Sharia-compliant provider, Methaq Takaful is one of your best bets. Their car insurance packages range between AED 1,500 to AED 3,000.
The Oriental Insurance Company Dubai
Oriental Insurance Company, an India-based company with branches in the UAE, offers a wide array of policies priced between AED 1,600 and AED 3,100.
Al Sagr National Insurance
Al Sagr’s car insurance packages cost between 1,600 and AED 3,100 annually. With policies that cover areas such as Oman and other countries in the Gulf region, this company is one of the best choices for those who like to travel abroad with their personal vehicle.
Emirates Insurance Company
Emirates insurance otherwise known as Eminsco is an A-rated insurance provider with policies ranging in price between AED 1,500 to AED 3,000 annually.
How to Compare Car Insurance Quotes Sharjah
Here are a few ways to help you compare prices and get a good deal.
Online Comparison Tools
Online comparison tools, which are known as aggregator websites, offer the most convenient access to cheap car insurance quotes from different car insurance Sharjah companies. With Lookinsure and other such services, all you need to do is enter your vehicle’s information and some personal details such as your age and nationality, and you will get a whole list of options with detailed prices.
Car Insurance Sharjah Price
When purchasing car insurance in Sharjah, prices can vary significantly based on several factors, such as your age, driving and claims history, the make and model of your car, its value, and more. Additionally, the type of coverage and any extra add-ons will also influence the premium costs.
While it's difficult to provide exact figures for car insurance prices in Sharjah or any other Emirate, a general estimate can range from AED 1000 to AED 5000, largely depending on your car's value. Opting for insurance in installments can make managing these costs more convenient, allowing you to spread the payments over time.
How to Purchase Car Insurance in Sharjah
Purchasing car insurance Sharjah UAE is the same as any other place in the world and, thanks to modern online services, is easier now than it has ever been before. Whether you do it online or in person, all you need to do is follow these 3 easy steps:
- Pick a policy and the additional options you want,
- Provide the insurance company with the required documents listed below,
- Pay for it after the price is calculated based on your information.
Where to Buy Online Car Insurance Sharjah
These days all of your favorite insurance companies in Sharjah have their website where all their services are available online, from getting quotes, filing claims, renewals, or even buying insurance plans.
However, suppose you have not yet chosen your provider and don’t have any time to get quotes from all of them one by one. In that case, you can just use aggregators such as Lookinsure where you can easily compare insurance prices quoted by different companies.
Buy Sharjah Car Insurance on Lookinsure
Buying Sharjah car insurance from Lookinsure is one of the best ways to ensure a fair deal, quick processing, and caring customer service. All you need to do is:
- Go to Lookinsure.com or use our website
- Enter your car’s information and get a list of quotes
- Pick the option most suited to your needs
- Create a quick account
- Upload your documents
- Pay for and receive your policy online
How To Renew Sharjah Car Insurance
Renewing a policy is also possible through Lookinsure, whether you have bought your policy from us or not. All you need to do is log into your account or create one if you don’t have one, punch in your policy number, and click on the Renew button. You can also buy and renew car insurance with Tabby, which enables installment payments.
Documents Required to Buy or Renew Car Insurance in Sharjah
For buying car insurance Sharjah law requires every driver to provide the documents listed below:
- Emirate ID
- Valid Driving License
- KYC (Know Your Customer Certificate)
- Car Registration Number
- Vehicle Number Plate
- Certificate indicating transfer of ownership (if used car)
Renewal usually requires less documents as most of your information is already with your insurance agent, all you will need is your existing policy’s information and your personal documents which are required for verifications.
How to Report Claims for Car Insurance in Sharjah?
Filing a claim for car insurance Sharjah means informing your provider about an accident or damage to seek financial compensation. The first step is to confirm whether your policy covers the type of incident. For example, if you only have third-party coverage and your own car is damaged, you cannot file for reimbursement under that plan.
Once coverage is confirmed, the process usually involves:
- Reporting the accident to the police and obtaining an official report.
- Notifying your insurance company as soon as possible.
- Submitting the necessary documents (see next section).
- Following your insurer’s instructions to repair the vehicle at approved workshops or receive compensation.
Being clear on the type of motor insurance Sharjah you hold helps you avoid delays and ensures a smoother claims process.
Documents Required to Claim Car Insurance in Sharjah
When submitting a claim for car insurance Sharjah UAE, insurers require specific documents to verify details and process your case efficiently. Having these ready avoids unnecessary delays:
- Original police accident report
- Emirates ID and valid driving license
- Vehicle registration card (Mulkiya)
- Completed claim form from your insurer
- Clear photos of the accident or damage
By keeping these documents in order, drivers can ensure their motor insurance Sharjah claim is processed quickly, helping them get back on the road with minimal hassle.
Cheap Car Insurance in Sharjah – How to Save More
Drivers looking for cheap car insurance Sharjah have several practical options to reduce their premiums without sacrificing too much protection.
A few strategies include:
- Use Comparison Platforms: Aggregators allow you to check quotes from multiple insurers in Sharjah with just a few clicks.
- Increase Voluntary Deductibles: Agreeing to pay more out of pocket during a claim can reduce your policy’s cost.
- Use No-Claim Bonuses: Safe driving records and claim-free years can earn discounts of up to 50%.
- Choose Third-Party Coverage: If your goal is only to meet legal requirements, this is the most affordable form of motor insurance Sharjah.
- Limit Add-ons: While extras like roadside assistance are helpful, skipping them lowers your premium.
- Install Safety Devices: Vehicles with anti-theft systems often qualify for reduced rates. Avoid Installments: Paying your policy in full can sometimes unlock discounts.
- Stay Tuned for Promotions: Many car insurance Sharjah UAE providers offer seasonal or special deals.
By following these steps, drivers can maximize value and secure reliable coverage at the lowest possible cost.
In conclusion, car insurance in Sharjah is both a legal requirement and a practical safeguard against unexpected costs. While policies vary in price and coverage, drivers who take time to compare options and understand their needs can make better choices. For those on a budget, exploring cheap car insurance Sharjah options can provide necessary protection without adding unnecessary financial strain.
Frequently Asked Questions
Here some quetions a lot of people have been wondering about:
