Affordable Car Insurance in Sharjah - Find the Best Deals

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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 Choose Lookinsure for Sharjah Car Insurance?

Here are a few reasons why Lookinsure can be your best options for car insurance in Sharjah:

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

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.

What Is the Claim Process for Sharjah Car Insurance?

Here’s the typical claim process for car insurance in Sharjah:

Car insurance in Sharjah is mandatory by law and uninsured vehicles will be fined and impounded. Because of this, it is a matter of great importance for drivers. In this article, we have tried to provide you with all the information you need to know before buying car insurance in Sharjah.

If you are looking for the best insurance companies in Sharjah or want to know how to file a claim, this article will answer all your questions.

Frequently Asked Questions

You may find some of your questions below:

With online services such as Lookinsure, buying car insurance in Sharjah can be a quite quick process, easily done in 10-15 minutes if you have all your documents at hand.

Annual car registration which includes the cost of inspection costs between AED 500 to AED 600, depending on the type of vehicle. Car insurance policies cost between 1.5 percent to 5 percent of the value of the car, varying according to the type of policy and other factors such as the driver’s age and driving history.

Depending on various factors such as the driver's age and driving record, and most importantly the car’s value, car insurance prices in Sharjah may vary between AED1000 to AED 5000 for luxury vehicles.

Factors determining premium prices in Sharjah include: Car’s value, Driver’s age, gender, and nationality, Driving history and claim records, Vehicle usage

Insurance renewal can be done using Lookinsure as well as your insurance provider's own website. In order to do so you will need to log into your account, enter your policy information, pass a verification step and pay for renewal.