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Understanding car insurance can be tricky, but we've made it easy. Explore our guide for more information.
Why Trust Lookinsure?
What's the difference between third-party and full (comprehensive) car insurance?
What are the eligibility criteria for car insurance?
When I purchase insurance today, will it start immediately?
What are factors influencing car insurance premiums?
What is No Claims Discount (NCD)?
How to claim car insurance in UAE?
Is car insurance transferable in UAE?
What is the penalty for driving without car insurance?
Car Insurance in Dubai, UAE
Anyone owning a personal vehicle must be familiar with car insurance and its vital importance. However, not everyone knows much beyond the fact that it is a legal requirement.
The concept of car insurance UAE citizens are familiar with needs to be broadened. There are many things to learn about it, from the available types of motor insurance Dubai to the different ways of getting car insurance online discounts and the factors involved in determining the cost of each customer’s premium, all of which can be accessed in the following sections.
Car insurance has been around for over a century. The first policy was issued in 1897 in the United Kingdom, just a few years after the invention of the automobile. As cars became more popular, so did accidents, which created the need for financial protection against potential damages. That’s when motor insurance companies began offering car coverage so drivers wouldn’t have to pay out of pocket for damages or injuries caused by accidents.
Today, car insurance is a must for drivers all around the world. The mandatory nature of car insurance UAE and many other countries have established makes driving without one illegal. But aside from being a legal requirement, car insurance is also a smart way to protect yourself, your car, and others on the road. Simply put, it’s an agreement between you and the insurance company. You pay a premium (a set amount), and the insurer helps cover the cost if your car gets damaged, stolen, or if you cause an accident.
Whether you live in Dubai, Abu Dhabi, or any other emirate, having the right car insurance in Dubai UAE keeps you financially safe and gives you peace of mind.
As mentioned above, getting car insurance does more than just make your car road legal. Any car insurance UAE companies offer has practical benefits, making it essential for every driver. These benefits include:
Financial Protection
Regardless of how careful you are, accidents can happen anytime because there is no guarantee that all other drivers on the road are as cautious as you are. With Auto insurance UAE, drivers can prepare themselves for precisely such situations.
Moreover, with a basic policy, if you get into an accident and damage another person’s vehicle, you won’t be financially responsible for the damages, medical bills, or repairs alone; the insurer helps cover those costs.
Personal Accident Cover
Injuries suffered by a third party will be covered by your normal third-party liability policy when you are at fault; however, this is not the case if, god forbid, you are injured in the accident. You must purchase a personal accident cover (PA) as an add-on. This add-on guarantees financial coverage in the event of an injury and can be extended to passengers.
Fire and Theft Protection
Depending on your policy, your insurance may also cover fire damage and car theft, giving you peace of mind even when you're not on the road. This option, the most desirable feature for many drivers, especially those with expensive vehicles or no parking, is included in comprehensive policies and available as an add-on for third-party insurance.
Roadside Assistance
This is a common add-on feature that’s super helpful if your car breaks down or you get a flat tire on the road, especially considering how towing services take advantage of drivers stranded in the desert with no other options. It’s just one of the many ways vehicle insurance in UAE supports you beyond the accident.
Like any other purchase, car insurance UAE policies have become easier to buy with the advent of online shopping services. Such as Lookinsure, where finding the best car insurance UAE drivers can get is only a few clicks away. Here are some of the benefits of choosing Lookinsure for your purchase:
100% Online Process
Lookinsure makes it simple to Buy Car Insurance Online from the comfort of your home. There is no paperwork, no long queues— you can get car insurance quotes fast and easy.
Instant Access to Multiple Vehicle Insurance UAE Quotes
Why contact each provider individually when you can compare car insurance simultaneously? Lookinsure gives you quotes from top insurers in the UAE in a few seconds. All you need to do is enter your car’s information, and that’s it.
Flexible Installment Plans
Lookinsure’s partnership with some of UAE’s top buy-now-pay-later services, such as Tabby and Tamara, allows customers to pay for their policies in installments instead of all at once. This will hopefully help you manage your budget while still getting good motor insurance Dubai coverage.
Dedicated Customer Support
In a field like car insurance online, where quick action can sometimes save someone thousands of dirhams, customer service is of the utmost importance. That is why Lookinsure has focused on building a tight group of dedicated personnel available 24/7 to respond to customers' requests.
When it comes to car insurance UAE companies, like all providers around the world, offer two main types to choose from:
| Type of Insurance | Who It’s For | What It Covers |
|---|---|---|
| Third-Party Insurance | Drivers looking for a basic, budget-friendly option | Covers damage to other vehicles and injuries to others if you’re at fault |
| Comprehensive Insurance | Those who want complete protection | Covers everything in third-party + damage to your car, fire, theft, and natural disasters |
You can make your auto insurance Dubai more useful by adding extra coverage:
Roadside Assistance
Get help if your car breaks down anywhere in the UAE.
Replacement Car
A temporary vehicle while yours is in the shop.
GCC Coverage
Protection if you drive to other Gulf countries.
Off-Road Coverage
Great for those who enjoy desert driving.
Natural Disaster Coverage
For damage caused by floods, sandstorms, and more.
Personal Accident Cover
Additional protection for you and your passengers.
Another type of car insurance in Dubai UAE available in Muslim countries is takaful insurance, a shariah-compliant version of traditional insurance. Since some religious scholars believe traditional insurance does not comply with Islamic laws, takaful has been created as an alternative. Now, many car insurance UAE companies specialize in offering these types of policies.
The cheapest car insurance in UAE is usually third-party coverage. It’s affordable and takes care of the legal side of things for you. However, as mentioned, it doesn’t cover damages to your vehicle.
The price of a third-party liability policy differs depending on the vehicle and the driver. So, naturally, cheap cars with safe drivers are bound to have a considerably lower premium than expensive ones with young drivers.
Lower premiums
Legal requirement met
Suitable for older or low-value cars
Doesn’t cover your car’s damage
No theft or natural disaster coverage
Still, you can enhance your third-party policy with add-ons. This lets you create a more personalized car insurance Dubai package without paying as much as you would for comprehensive insurance.
Determining the cost of car insurance UAE is about gauging the risk, which means determining how likely each driver is to get into an accident. The higher the risk, the higher the cost. Now, how do they find this out?
As mentioned above, the driver’s age and the price of the car are two of the most important factors in determining the cost of insurance. But there is more to it than that. Below is a list of every deciding factor and an explanation of why they matter.
Driver’s Age and Experience
Younger drivers or those with less experience usually pay higher premiums. This is because they’re seen as more likely to have accidents due to a lack of knowledge and the fact that young people are generally more prone to rash and risky behaviors.
Driving Record
If you’ve had a lot of accidents or traffic fines, insurers may charge you more because that indicates a higher possibility of future accidents. On the other hand, a clean driving history can help lower your costs.
Car Type and Age
Luxury and high-performance cars are more expensive to insure simply because their repair costs are higher. And naturally, older cars may be cheaper to insure. On the other hand, modern, high-end cars, which are usually equipped with top-of-the-line safety technologies, are generally safer, a feature that can cause a decrease in premiums.
Location
If you live in a busy area like Dubai with heavy traffic where accidents are more likely to occur, your premium may be higher than someone living in a quieter place with less traffic.
While there is not much discrepancy between the cost of motor insurance Dubai offered by different providers, which might compel inexperienced drivers to go with the first insurer, the degree of reliability differs. And that’s why it is important to choose your insurance provider wisely.
Here are some popular insurance companies offering the best motor insurance in UAE, including some shariah-compliant options, which are the right choice for those concerned with the religious aspects of insurance:
Orient Insurance
AXA Gulf
RSA Insurance
Union Insurance
Noor Takaful
Watania Insurance
Using Lookinsure, you can find and compare car insurance online from these providers and more. It only takes a few minutes to see offers that match your needs and budget.
The information above can give you a good general gist about motor insurance UAE, but it’s nowhere near a complete guide. Much other detailed information is only available on your personalized insurance document or your insurance provider’s brochure.
Additional information about car insurance that UAE drivers must know can be found below.
Car insurance is mandatory by law, and every car must have at least a third-party liability insurance.
Car insurance policies are transferable in the UAE between vehicles, provided that there is a considerable amount of time left on the policy (at least 9 months).
Foreign drivers are liable to be quoted higher premium rates as their unfamiliarity with the language and culture might indicate a greater chance of accidents.
Moreover, a typical comprehensive vehicle insurance UAE usually includes the following:
Own Damage Cover
Protects your vehicle from damage due to accidents, theft, fire, etc.
Third-Party Liability
Covers damage or injury to others caused by your vehicle.
Natural Disasters
Covered under comprehensive policies or add-ons.
Off-Road and GCC Coverage
Optional, great for specific needs.
NOTE:Since each policy might differ in details, it is important not to rely on general information such as that provided in this article. Instead, refer to your insurance document or contact your provider for details.
While the cost of car insurance Dubai companies offer is set so that anyone who can afford a car can also afford the best motor insurance in UAE, premium prices have been rising steadily over the past few years, which makes finding cheaper deals very important. Here are some of the ways you can lower your car insurance costs:
Compare Car Insurance Online
Everyone knows that you shouldn’t buy anything from the first store you visit, and it is always a good idea to get a quote from multiple providers regardless of what you want to buy. This has become pretty easy with online insurance aggregators and can help you find the best deals.
Maintain a Clean Driving Record
as mentioned above, safe drivers who are less likely to get into an accident usually get lower premiums. So if you can manage to keep your driving record clean, you will be able to enjoy this advantage.
Choose the Right Coverage
Don’t overpay for coverage you don’t need. (Sometimes, a third-party policy plus one specific but much-needed add-on can cost less than a comprehensive policy with many irrelevant add-ons.)
Opt for Higher Deductibles
A deductible is the amount of money you pay out of your pocket in the event of an accident. Agreeing to pay more out-of-pocket during a claim can lower your premium. This is a perfect option for those who have few accidents and need cheap car insurance to comply with the law.
While what was mentioned above can help you get the best deals on car insurance UAE, there are many other ways of getting a discount, even on the best deals you find.
If you want to find discounts or cheap car insurance that still offers good coverage, you can try these tips:
No Claims Bonus (NCB)
If you spend the entire period of your policy without filing any claims, you can get a discount on next year’s policy. And each claim-free year will increase the amount of this discount, which can reach up to 50 percent. The good thing is that you can keep the discount even if you change your provider.
Bundle Policies
If you have multiple cars or properties needing insurance, you can get a considerable discount if you go with one provider to insure all your properties. This is called bundling policies, and it's a good way to get a discount.
Pay Annually Instead of Monthly
While many providers offer the option of monthly payments, this option usually means you’ll end up paying more than you would have if you chose to pay it all at once.
Take Advantage of Temporary Discounts
Insurance companies offer many discount programs at certain times of the year, such as on National Day or religious holidays, which you can take advantage of.
Comparing quotes is the best way to ensure you get the best deal on your car insurance policy. Since calling each company separately takes more time and effort, and is virtually a thing of the past, the easiest way to do this is using websites like Lookinsure.
On Lookinsure’s homepage, you will find a simple visual guide outlining the steps involved in this process, which include:
Entering your car and personal details
View quotes from multiple insurers
Compare coverage, prices, and add-ons
Choose and buy car insurance online
Nowadays, most motor insurance UAE companies have a website where their customers can access all their services, including renewals. To do this, you’ll first need to sign into your account and after that, follow the steps below, which are more or less the same between providers:
Visit your provider’s or Lookinsure’s website
Enter your policy number or personal details
Review your coverage
Make any changes if needed
Pay the premium
It’s a good idea to renew a few days before your policy expires to avoid gaps in coverage. Also, if you want to avail yourself of an NCB bonus, you must apply for renewals at least 90 days before your current policy ends.
The process is straightforward, whether you want to buy car insurance online or in person. All you will need to do is pick your favored policy and make payments after providing the required documentation, which includes:
Emirates ID or Passport
Driving license
Vehicle registration card (Mulkiya)
Previous insurance details (for renewal)
Transfer of ownership certificate (for used vehicles)
