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AED
600AED
150monthly in 4 payments
Car insurance with Tamara in the UAE
Pay in 4 months with
And
Regulated by the Central Bank of the UAE
Regulated by the Central Bank of the UAE
Car insurance with Tamara lets eligible UAE residents split a car insurance premium into 4 interest-free payments instead of paying the whole amount at once. On Lookinsure you can compare car insurance quotes from UAE insurers, pick a policy, pay the first instalment at checkout, and get covered once the insurer confirms the policy.
What is car insurance with Tamara?
Tamara is a buy now pay later provider, not an insurance product. When you buy a policy on Lookinsure and Tamara is available for that quote, it appears as a payment method at checkout and divides the premium into 4 equal instalments at 0% interest. The cover you buy, the insurer behind it, and the policy wording are exactly the same as they would be if you paid in full.
The practical difference is cash flow. Instead of finding an entire annual premium on renewal day, you pay a quarter of it now. Drivers searching for insure now pay later or buy now pay later car insurance in the UAE are usually describing this arrangement.
One point worth clearing up: Tamara does not underwrite anything. People search for Tamara insurance and Tamara car insurance as though it were a policy you buy from Tamara, but no such product exists. What you are buying is cover from a licensed UAE insurer, with Tamara handling only the payment.
How much do you pay today?
You pay one quarter of the premium today. Tamara splits your car insurance payment in 4 equal instalments, so the first payment is always 25% of the quote you accepted, and the remaining 75% is spread across the three payments that follow.
Here is how that works on real quotes for a 2024 Toyota car insurance policy, and how Tamara would split each one:
| Policy type | Total premium | First payment today | Remaining payments |
|---|---|---|---|
| Third-party liability | AED 728 | AED 182 | 3 × AED 182 |
| Comprehensive | AED 1,818.86 | AED 454.72 | 3 × AED 454.72 |
| Comprehensive | AED 3,479 | AED 869.75 | 3 × AED 869.75 |
Example quotes for a 2024 Toyota Camry, captured on Lookinsure. Prices exclude VAT and additional fees, and change with your vehicle, your driving history and the insurer. Your own split is shown by Tamara before you confirm the purchase.
How to buy car insurance with Tamara on Lookinsure
Five steps, start to finish, without leaving the site.
1. Compare car insurance quotes
Enter your vehicle details and compare quotes from multiple UAE insurers side by side. Chassis number or manual entry both work.
2. Choose your policy
Select the cover that fits your car and your budget. Both comprehensive and third-party policies can be paid through Tamara.
3. Select Tamara at checkout
Choose Tamara as your payment method. If Tamara is available for the quote you selected, it appears here alongside the other payment options.
4. Split your premium into 4 payments
Tamara runs a quick approval check and shows you the exact schedule before you commit. Once approved, the premium is divided into 4 interest-free instalments.
5. Receive your policy
Pay the first instalment. Your cover can begin as soon as the insurer confirms the policy.
Do you get your policy after the first Tamara payment?
Yes. In most successful purchases the policy is issued once the first Tamara instalment clears and the insurer confirms it. You do not wait until all 4 instalments are paid to be covered.
Issuance still depends on three things: the payment going through, the vehicle details being correct, and the insurer approving the policy. If any of those fails, the policy is not issued regardless of how you paid.
Tamara payment options at checkout
Tamara's UAE materials describe splitting a purchase into up to 4 payments with no late fees. The exact schedule you are offered, the number of instalments, and whether you qualify at all are decided by Tamara during checkout, not by Lookinsure or the insurer.
This is worth knowing before you plan around it: two drivers buying the same policy on the same day can be offered different Tamara payment options, because the decision is based on each customer's own account history. If you want to pay car insurance in installments and Tamara does not approve you, the other payment methods at checkout are unaffected. Lookinsure also supports paying for car insurance with Tabby, and sets out the wider range of car insurance instalment plans separately.
Can you renew car insurance with Tamara?
Yes, and renewal is where it matters most. Motor insurance is mandatory in the UAE under the Central Bank of the UAE's Unified Motor Vehicle Insurance Policy, so a renewal you cannot afford this week is not something you can postpone — driving uninsured carries fines and vehicle impoundment.
To renew: open Lookinsure, click get a quote, choose renew, enter your vehicle details by chassis number or manually, compare the quotes, then select Tamara at checkout. The same 4-payment split applies to renewals as to new policies. Drivers renewing in a specific emirate can start from the local pages instead — car insurance in Abu Dhabi, for example.
Which policy types can you pay for with Tamara?
Both main cover types, and the extras attached to them. Comprehensive car insurance and third-party liability cover are both eligible on Lookinsure where Tamara is offered for that quote.
If you are still deciding between the two, the difference in what they pay out is larger than the difference in what they cost — our guide to comprehensive versus third-party cover sets out where each one stops.
Tamara can be used for:
- Comprehensive policies
- Third-party liability policies
- Renewals as well as new policies
- New, used and imported vehicles
- Luxury and high-value cars
- Policies with add-ons such as agency repair, roadside assistance or off-road cover
Which insurers on Lookinsure accept Tamara?
Tamara appears at checkout for eligible policies from most insurers on Lookinsure, and the option is shown clearly on the quote before you pay. Availability is set per quote rather than per company, so the reliable way to check is to compare first and look at the payment step.
Insurers you can compare on Lookinsure include:
Because availability is decided at the quote level, choosing an insurer first and a payment method second is the wrong order. Compare on price and cover, then check whether Tamara is offered on the quote you want.
Tamara vs paying the full premium upfront
| Factor | Paying with Tamara | Paying in full |
|---|---|---|
| Amount due today | 25% of the premium | 100% of the premium |
| Interest | 0% | Not applicable |
| Policy activation | After first payment and insurer confirmation | After payment and insurer confirmation |
| Approval needed | Yes — Tamara checks at checkout | No |
| Future commitment | 3 further payments on a fixed schedule | None |
| Best for | Renewals, higher premiums, protecting cash flow | Drivers who would rather close it out in one payment |
Neither is cheaper. The premium is identical either way — Tamara changes when you pay it, not how much you pay.
Who should use Tamara for car insurance?
Use Tamara if your renewal is due and paying the full premium this month would force you to delay cover. That is the case it solves, and delaying mandatory insurance is a worse outcome than committing to three future payments. Pay in full if you have the cash available and would rather not carry a payment schedule.
| Driver | Why Tamara helps |
|---|---|
| Renewing soon | Avoids delaying mandatory cover over a single large payment |
| Buying comprehensive | Spreads a higher premium into manageable amounts |
| Watching monthly cash flow | Keeps cash free for other commitments |
| Insuring a high-value car | Makes stronger cover affordable now rather than later |
| Buying online | Compare, buy and pay in one session, no callback |
The high-value case is the one drivers most often get wrong — premiums on performance and luxury vehicles are high enough that people downgrade cover to afford the upfront cost. Our guide to insuring a high-value car covers what you give up when you do.
What to know before you choose Tamara
- Tamara states there are no late fees on its UAE plans.
- Tamara also states that repeated late payments may lead to your Tamara account being suspended and may affect your credit standing.
- Approval is not guaranteed. Tamara screens applications and may decline them, including where an applicant is flagged with Al Etihad Credit Bureau.
- Eligibility, per Tamara: you need to be over 18, with a verifiable mobile number, a valid ID and a valid payment card.
- Tamara states that its services are Sharia compliant and overseen by an independent Sharia committee.
- The final schedule and any charges are shown by Tamara at checkout, before you confirm. Read that screen — it is the authoritative version, not this page.
Frequently asked questions
Car insurance with Tamara is an ordinary UAE motor policy paid in 4 interest-free instalments instead of one payment. Tamara is a payment method offered at checkout on Lookinsure, not an insurer. Your cover, your insurer and your policy wording are unchanged — only the payment schedule differs.
Yes. On Lookinsure you can pay car insurance in installments by selecting Tamara at checkout, which splits the premium into 4 interest-free payments. Tabby offers a similar split. Availability depends on the quote you choose and on approval by the payment provider at checkout.
One quarter of the premium. Tamara divides the total into 4 equal instalments at 0% interest, so a AED 1,200 policy means AED 300 today and three further payments of AED 300. Your exact figures appear on the Tamara screen before you confirm the purchase.
Yes. Tamara accepts a valid debit or credit card, so a credit card is not required to split your premium into 4 payments. You will still need to be over 18 with a verifiable UAE mobile number and valid ID, and Tamara approves each application at checkout.
Tamara is offered on eligible quotes from most insurers on Lookinsure, including Sukoon, Orient, Methaq, GIG Gulf, Adamjee, Tokio Marine and QIC. Availability is decided per quote rather than per company, so compare first and check the payment step before choosing.
Tamara states it charges no late fees. However, Tamara also states that repeated delays may result in your account being suspended and may affect your credit standing. Your insurance policy is governed separately by the insurer's own terms. Check the conditions shown at checkout for the current position.
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