Nissan Altima
TPL
Features and Benefits
24/7 Roadside assistance
Starting From
AED
728AED
182monthly in 4 payments
Dubai National Insurance (DNI) car insurance in UAE
Pay in 4 months with
And
Regulated by the Central Bank of the UAE
Regulated by the Central Bank of the UAE
DNI car insurance is the motor insurance line of Dubai National Insurance, a UAE insurer established in 1991 that sells comprehensive and third-party cover for private vehicles, with comprehensive policies running 13 months instead of the standard 12. Third-party cover starts from AED 728 and comprehensive from AED 1,700 for a 2021 Toyota Corolla valued at AED 43,000. You can compare Dubai car insurance quotes online from DNI and other UAE insurers side by side before you buy.
What is DNI car insurance?
DNI stands for Dubai National Insurance, and DNI car insurance is that company's motor product for UAE drivers. The insurer has operated since 1991 from a head office on Sheikh Zayed Road in Dubai, with a second office in Abu Dhabi and a point of sale in Al Ain. Like every motor insurer in the country, it writes cover under the Unified Motor Vehicle Insurance Policy and is supervised by the Central Bank of the UAE, so the mandatory third-party limits are the same wherever you buy.
What differs between insurers is everything above that floor. DNI competes on three specific things: a 13-month comprehensive policy sold at the twelve-month price, agency repair using brand new parts rather than refurbished ones, and geographical cover that includes Oman for own damage as standard.
DNI car insurance overview
Founded
Established in 1991
UAE presence
Head office: Sheikh Zayed Road, Dubai (next to Mazaya Center, behind Coca-Cola Arena). Abu Dhabi office: ADCP Building, Tower C. Al Ain point of sale: ADNOC Vehicle Inspection Center
Coverage types
Comprehensive motor insurance, third-party liability (TPL), optional add-ons
Coverage period
13 months on comprehensive policies — one month more than the market standard, at the same price
Unique benefit
Agency repair as brand new — manufacturer-authorised dealers using brand new parts, not refurbished
Claims support
600 5 80000, Monday to Thursday 8 AM to 6 PM and Friday 8 AM to 12 PM
Roadside assistance
Gold Card via IMC on 600 575751, 24 hours a day, for accident and breakdown
Geographical cover
UAE and Oman (own damage only)
Best suited to
Drivers who want agency repair with brand new parts, drive into Oman, take a 4WD off-road, or want the longest policy period available
How much DNI car insurance costs
DNI third-party insurance starts from AED 728 and DNI comprehensive insurance from AED 1,700 for a 2021 Toyota Corolla valued at AED 43,000. Comprehensive costs about 2.3 times the third-party premium on the same car — the clearest way to judge whether own-damage cover is worth it for your vehicle.
The 13-month period changes that maths in DNI's favour. At AED 1,700 across 13 months you are paying roughly AED 131 for each month of cover, against AED 142 a month if the same premium bought a standard 12-month policy. On a car of this value the extra month is worth about AED 140.
Premiums move with vehicle value, age, driver history and claims record, so treat these as a benchmark rather than your quote. Figures for a different vehicle will differ — Toyota car insurance prices, for instance, vary widely between a Corolla and a Land Cruiser.
DNI comprehensive vs third-party car insurance
Choose DNI comprehensive if your car is financed, worth more than about AED 30,000, or you cannot absorb the cost of repairing it yourself. Choose third-party if the car is old enough that its market value is close to a year of comprehensive premiums. Below is what each policy actually buys.
Feature | DNI comprehensive insurance | DNI third-party insurance |
Coverage period | 13 months | Standard (12 months typically) |
Starting premium (estimate) | AED 1,700 | AED 728 |
Vehicle damage cover | Included | Not covered |
Declared vehicle value | Based on market value | Not applicable |
Third-party injury and death liability | Unlimited | Unlimited |
Third-party property damage | Up to AED 2,000,000 | Up to AED 2,000,000 |
Fire and theft cover | Included | Not covered |
Loss or damage cover | Included | Not covered |
Agency repair | As brand new | Not applicable |
Geographical area | UAE and Oman (own damage only) | UAE only |
Personal effects | Up to AED 2,000 | Not included |
Emergency medical expenses | Up to AED 3,000 | Not included |
Ambulance cover | Up to AED 6,770 | Not included |
Off-road cover (4WD only) | Yes (AED 5,000 excess) | Not included |
Windscreen cover | Up to AED 2,000 | Not included |
Storm, flood, riot and strike extension | Included | Not included |
Roadside assistance | Gold Card (IMC) — accident and breakdown | Not included |
Hire car benefit | Optional (+AED 250 for 10 days at AED 100/day) | Not included |
Personal accident — driver and passenger | Optional (additional premium) | Not included |
Policy excess | As per ministry guidelines | As per ministry guidelines |
Under-25 driver excess | +10% | +10% |
Both policies carry the same unlimited third-party bodily injury liability and the same AED 2,000,000 property damage limit, because those are set by the Unified Motor Vehicle Insurance Policy rather than by the insurer. Everything else in the left column is what the extra AED 972 buys.
Note: Prices are estimates for a 2021 Toyota Corolla valued at AED 43,000. Actual premiums vary by vehicle.
DNI vs RAK vs Adamjee prices: third-party car insurance
DNI has the cheapest third-party premium of the three at AED 728, and it still carries unlimited bodily injury liability. If price is the only thing deciding your third-party car insurance, DNI wins this comparison outright.
TPL comparison point | DNI | RAK Insurance | Adamjee |
Basic premium | AED 728 | AED 1,019.62 | AED 975 |
Third-party bodily injury or death | Unlimited | Unlimited liability | Covered as per UAE policy wording |
Third-party property damage | Covered as per policy terms | Up to AED 2,000,000 | Covered up to policy limit |
Personal accident — driver | Included | Optional add-on | Included |
Personal accident — passengers | Not specified in base plan | Optional add-on | Included |
Personal accident — family members | Not specified | Optional add-on | Not specified |
Personal accident — employees | Optional add-on | Optional add-on | Not specified |
Ambulance services | Not specified | Up to AED 6,770 per person | Not specified |
Roadside assistance | Not included in base TPL | Included (24/7 UAE and Oman) | Optional (+AED 10) |
Oman extension / Orange Card | Not specified | Optional annual Orange Card | Not included |
Nationwide UAE coverage | Included | Included | Included |
The AED 292 gap between DNI and RAK buys roadside assistance and an ambulance benefit that DNI's base third-party policy does not include. If you drive an older car and would call a tow truck rather than a garage, that is the trade to weigh.
Note: Prices are for a 2021 Toyota Corolla valued at AED 43,000.
DNI vs RAK vs Adamjee prices: comprehensive car insurance
Adamjee is AED 25 cheaper, but DNI's comprehensive policy runs 13 months to Adamjee's 12 and repairs at the agency with brand new parts. On like-for-like cover, DNI is the better value of the two. Compare the whole picture rather than the premium line before you commit to comprehensive car insurance.
Comprehensive comparison point | DNI | RAK Insurance | Adamjee |
Coverage period | 13 months | 12 months | 12 months |
Basic premium | AED 1,700 | AED 1,829.25 | AED 1,675 |
Declared vehicle value | AED 36,962 | AED 36,585 | AED 30,242 |
Repair type | Workshop repair | Workshop repair | Workshop repair |
Agency repair | As brand new | Up to 25 months | Free add-on |
Own damage cover | Included | Included | Included |
Fire and theft cover | Included under own damage | Included | Included |
Third-party bodily injury or death | Unlimited | Unlimited liability | Included |
Third-party property damage | Up to AED 2,000,000 | Up to AED 3,500,000 | Included up to policy limit |
Driver personal accident benefit | Optional (+premium) | Included (AED 50,000) | Included |
Passenger personal accident benefit | Optional (+premium) | Included | Included |
Family members accident benefit | Not specified | Included | Not specified |
Employee accident benefit | Not specified | Included | Not specified |
Emergency medical expenses | Up to AED 3,000 | Up to AED 5,000 | Not specified |
Ambulance services | Up to AED 6,770 | Up to AED 6,770 per person | Not specified |
Windscreen cover | Up to AED 2,000 | Unlimited | Included |
Personal effects | Up to AED 2,000 | Up to AED 5,000 | Not specified |
Roadside assistance | Gold Card (IMC) — accident and breakdown | Included UAE and Oman (24/7) | Included (24/7) |
Replacement vehicle | Optional (+AED 250 for 10 days at AED 100/day) | Optional hire car benefit (5–15 days) | 10 days (non-fault only) |
Natural disaster / flood cover | Included (storm, flood, riot, strike) | Included (non-declared disasters) | Included |
Oman / GCC extension | UAE and Oman (own damage only) — included | GCC own-damage cover (Bahrain, Saudi, Kuwait with Orange Card) | UAE only |
Off-road cover | Included for 4WD vehicles (AED 5,000 excess) | Included for 4x4 vehicles | Not specified |
New car replacement | Not specified | Auto GAP — first 6 months | Not specified |
Key replacement / locks | Not specified | Up to AED 5,000 | Not specified |
Valet parking theft | Not specified | Included | Not specified |
Strike, riot and civil commotion | Included | Optional (additional premium) | Not specified |
No claim discount | Standard | 5% on renewal | Not specified |
Under-25 driver excess | +10% | Not specified | Not specified |
Note what DNI's Oman cover does and does not do. Own damage to your car is covered across the border as standard, but third-party liability in Oman is not — for that you need an Orange Card, the GCC-wide liability card. If you drive to Muscat regularly, read how to get an Orange Card for Oman before you travel.
Note: Prices are for a 2021 Toyota Corolla valued at AED 43,000.
Which insurer should you choose: DNI, RAK or Adamjee?
Choose DNI if you want agency repair with brand new parts, drive into Oman, or take a 4WD off-road — no other insurer in this comparison combines all three at AED 1,700. Choose RAK if you want the deepest benefit list and are willing to pay AED 129 more for it. Choose Adamjee only if the AED 25 saving matters more than the extra month of cover.
Your priority | What to check | Likely direction |
Lowest TPL premium | Basic premium | DNI (AED 728) |
Longest coverage period | Months of cover | DNI (13 months) |
Cheapest comprehensive option | Premium price | Adamjee (AED 1,675) or DNI (AED 1,700) |
Agency repair quality | Brand new vs standard parts | DNI (as brand new) |
Off-road driving | Off-road cover inclusion | RAK or DNI (both include for 4x4s) |
UAE and Oman driving | Geographical extension | DNI (UAE and Oman own damage included) or RAK (with Orange Card) |
Roadside assistance quality | Coverage level | DNI (Gold Card IMC) or RAK (24/7 UAE and Oman) |
Storm, flood, riot and strike cover | Included or optional | DNI (included) |
Personal belongings cover | Limit amount | RAK (AED 5,000) vs DNI (AED 2,000) |
Emergency medical expenses | Limit amount | RAK (AED 5,000) vs DNI (AED 3,000) |
Maximum feature depth | Total included benefits | RAK |
Budget-focused comprehensive | Price vs benefits | Adamjee or DNI |
For drivers who want maximum feature depth — higher belongings cover, unlimited windscreen, key replacement — RAK car insurance is the deeper policy. For the lowest comprehensive premium on the list, Adamjee car insurance is AED 25 under DNI, though on a lower declared value.
What agency repair as brand new means
Agency repair means your car is repaired at a manufacturer-authorised dealer rather than an independent workshop. Most UAE insurers that offer it restrict it to cars under a certain age — RAK, for instance, offers it up to 25 months. DNI's version goes further on parts: repairs use brand new components, not refurbished or reconditioned ones.
That distinction matters most on a car still under manufacturer warranty, where a non-agency repair with used parts can affect warranty terms and resale value. It matters least on an older car where the parts premium buys little. Under UAE rules, replacement parts remain subject to depreciation under Insurance Authority Board of Directors Decision No. 25 of 2016, so agency repair changes where and how your car is fixed, not whether depreciation applies.
DNI car insurance benefits and add-ons
Benefit / add-on | What it means | Availability |
Third-party liability (bodily injury) | Covers injury or death caused to others — unlimited | TPL and comprehensive |
Third-party property damage | Covers damage to another vehicle or property — up to AED 2,000,000 | TPL and comprehensive |
Own damage cover | Covers damage to the insured vehicle | Comprehensive only |
Agency repair | Repairs at manufacturer-authorised dealers using brand new parts | Comprehensive |
Geographical area | UAE and Oman (own damage only) | Comprehensive |
Personal effects | Covers loss or damage to belongings inside the vehicle — up to AED 2,000 | Comprehensive |
Emergency medical expenses | Medical-expense support after accidents — up to AED 3,000 | Comprehensive |
Ambulance cover | National ambulance service coverage — up to AED 6,770 | Comprehensive |
Off-road cover | Covers damage while driving off-road — 4WD vehicles only (AED 5,000 excess, excluding safari) | Comprehensive |
Windscreen cover | Covers windscreen repair or replacement — up to AED 2,000 | Comprehensive |
Storm, flood, riot and strike extension | Extended coverage for natural disasters and civil unrest | Comprehensive |
Roadside assistance | Gold Card via IMC — accident and breakdown support, 24 hours | Comprehensive |
Hire car benefit | Optional — 10 days at AED 100/day for AED 250 premium | Optional add-on |
Personal accident — driver and passenger | Optional — injury or death protection for driver and passengers | Optional add-on |
Fire and theft cover | Protection against vehicle theft or fire damage | Comprehensive |
Loss or damage cover | Core comprehensive protection | Comprehensive |
Nationwide UAE coverage | Insurance protection across all UAE emirates | TPL and comprehensive |
Driver and passenger protection is the one benefit DNI leaves optional that both RAK and Adamjee include as standard. If you regularly carry passengers, price the add-on rather than assuming it is there — personal accident cover explains what the benefit pays and when.
What is not covered under DNI car insurance?
Like all UAE motor policies, DNI applies exclusions that depend on the policy wording and coverage type. The two that catch drivers out most often are off-road damage in a vehicle that is not a 4WD, and any claim where the driver was under 25 at the time of the accident, which carries an extra 10% excess.
Common exclusion area | What it means |
Driving without a valid licence | Claims may be rejected if the driver is not legally licensed or is driving with an expired or suspended licence |
Driving under the influence | Accidents involving alcohol, narcotics or drugs affecting driver control are typically excluded |
Using the vehicle for unauthorised purposes | Claims may not be covered if the car is used for purposes different from those declared in the policy |
Racing or speed testing | Damage caused during racing, speed tests or similar activities is generally excluded |
Mechanical or electrical breakdown | Wear and tear, mechanical failure or electrical breakdown are not covered |
Tyre damage only | Tyre damage alone may not be covered unless it occurs alongside insured vehicle damage |
Overloading the vehicle | Claims may be rejected if overloading or excess passengers directly caused the accident |
Outside UAE geographical limits | Coverage does not apply outside the UAE unless the Oman extension is included (own damage only for DNI) |
Natural disasters (TPL policies) | Third-party policies exclude floods, earthquakes, hurricanes and similar natural disasters |
War, invasion, hostilities, civil war | Damage related to war, foreign enemy action or warlike operations is excluded |
Nuclear risks | Ionising radiation, radioactive contamination, nuclear fuel or atomic explosions are excluded |
Own vehicle damage under TPL | Third-party insurance does not cover damage to the insured vehicle itself |
Off-road driving (non-4WD vehicles) | Off-road damage is only covered for eligible 4WD vehicles (AED 5,000 excess applies) |
Safari activities | Off-road cover excludes safari activities |
Employee or work-related injuries | Injuries to employees during work may require separate or additional coverage |
Intentional legal violations | Claims involving deliberate criminal acts or intentional law violations may be rejected |
Loss of insurer recovery rights | Claims may be denied if the insured falsely accepts responsibility and prevents the insurer from recovering losses from the actual liable party |
False declaration | Any false declaration or wrong information voids the quotation; cancellation charges may apply |
Most of these are standard across the market rather than specific to DNI — the wider list of common car insurance exclusions in the UAE applies whichever insurer you choose.
Additional DNI-specific conditions
Condition | Details |
Under-25 driver excess | Additional 10% excess applies if the driver is under 25 at the time of the accident |
Depreciation | Replacement parts are subject to depreciation as per Insurance Authority Board of Directors Decision No. 25 of 2016 |
Additional information | DNI may require car photos, an RTA passing certificate, or a vehicle inspection |
Quotation validity | Quotations are valid for 15 days from the date of issuance |
Renewal claims | If a claim is submitted after the renewal date but the accident occurred before renewal, the new policy may be considered void and cancelled |
Documents required to buy DNI car insurance
Existing vehicle
- Emirates ID copy (front and back)
- Driving licence copy (front and back)
- Vehicle registration card (front and back)
New vehicle
- Emirates ID copy
- Driving licence copy
- Vehicle invoice
Company-owned vehicle
- Emirates ID copy
- Driving licence copy
- Vehicle registration card
- Trade licence copy
On request only
- Car photo
- Passing paper (RTA passing certificate)
- Vehicle inspection
Requirements vary with insurer checks, vehicle specification and policy type, and extra paperwork is common for off-road cover eligibility or imported vehicles. The full list of documents required for car insurance in the UAE covers what other insurers ask for.
How to buy DNI car insurance through Lookinsure
Step 1
Enter vehicle details
Quotes are generated from multiple insurers including DNI
Step 2
Compare insurers
Review price and coverage — check DNI's 13-month cover and agency repair as brand new against the alternatives
Step 3
Select the DNI policy
Choose comprehensive or third-party, and add hire car or personal accident cover if you need them
Step 4
Upload required documents
Submit Emirates ID, driving licence and registration card online
Step 5
Pay online
Complete the purchase securely, in full or in four instalments
Step 6
Receive the policy
The policy is issued after approval and a digital copy is delivered, covering 13 months on comprehensive plans
The whole process runs online and takes minutes rather than a branch visit. Get an instant DNI quote by entering your plate number or chassis number.
How to renew DNI car insurance
Renew a DNI car insurance policy online in six steps, without visiting an office:
- Open Lookinsure and select "get a quote"
- Choose "renew insurance" as the first option
- Enter your car details manually, or use the chassis number, which is faster
- Compare the DNI renewal quote against the other insurers shown
- Review the policy details and adjust cover or add-ons
- Pay in full or across four instalments
Two things to check at renewal. Confirm the 13-month period still applies to the plan you are being quoted, and confirm any no claim discount has been applied. Timing matters too: if a claim is submitted after the renewal date for an accident that happened before it, DNI may treat the new policy as void and cancel it.
Pay DNI insurance in installments
Buying through Lookinsure lets you split a DNI premium into four interest-free payments using car insurance with Tamara or car insurance with Tabby. The policy is issued after the first payment, not the last.
Here is how the payments work out for a 2021 Toyota Corolla:
Policy type | Total premium (estimate) | First payment (of 4) | Remaining payments |
DNI third-party insurance | AED 728 | Approx. AED 182 | 3 payments of approx. AED 182 |
DNI comprehensive insurance (13 months) | AED 1,700 | Approx. AED 425 | 3 payments of approx. AED 425 |
Note: Whether you pay in full by card or in installments, the policy is issued immediately after the first payment.
How DNI car insurance claims work
Start a DNI claim by calling 600 5 80000, Monday to Thursday 8 AM to 6 PM and Friday 8 AM to 12 PM. For roadside help at any hour, Gold Card holders call IMC on 600 575751, which runs 24 hours a day, seven days a week. Agency repair customers can go straight to the authorised dealer with their documents and notify DNI afterwards.
How to submit a DNI motor insurance claim
Step 1
Report the accident
Obtain a police report — mandatory for accident verification in the UAE
Step 2
Contact DNI
Call 600 5 80000 to register the claim
Step 3
Submit required documents
Original police report, registration card (front and back), driving licence copy, incident details and a signed claims form
Step 4
Agency repair customers
Approach the authorised agency directly with your documents, then notify the DNI motor team
Step 5
Non-agency repair
Wait for DNI to assign an approved workshop through its self-service claims portal
Step 6
Wait for repair approval
The workshop proceeds only after DNI authorises the repair
Step 7
Inspect and collect the vehicle
Review the repair before you take the car back
Important notes
- Going to a garage without prior approval gives DNI the right to move the vehicle to a different workshop
- Reporting a claim early leads to earlier settlement
- Gold and Classic card holders get IMC assistance for accident and breakdown on 600 575751
The sequence is much the same at every UAE insurer — this guide to filing a car accident claim in the UAE covers the police-report step in more detail.
Documents required for a DNI insurance claim
- Original police report
- Car registration card (front and back)
- Driver's licence copy
- General incident details
- Claims form, completed and signed by the insured
Compliance note
Submitting a claim does not mean the insurer has accepted liability. Approval depends on the policy terms, the documents submitted, the accident circumstances and the claim assessment. If the driver was under 25 at the time of the accident, an additional 10% excess applies. Most refusals trace back to a handful of avoidable causes — see the reasons car insurance claims get rejected.
DNI repair network: what to know before repair
Where your car is repaired depends on the policy you hold, the claim approval and DNI's instructions after the accident is registered. Comprehensive policyholders with agency repair cover go to the manufacturer's authorised dealer; everyone else is assigned a workshop from DNI's approved network, which spans all seven emirates. Do not choose a garage yourself before DNI has assigned one.
Repair type | Eligibility | Key features |
Agency repair | DNI comprehensive policy with agency repair cover | Repairs at manufacturer-authorised dealers using brand new parts |
Non-agency repair | DNI comprehensive policy (standard) | Repairs at DNI's approved workshop network across all emirates |
Gold or Classic card | DNI customers holding a Gold or Classic card | IMC assistance on accident or breakdown |
To check whether a specific workshop is on the network before you call, the DNI approved garage list sets out the workshops by emirate.
Common questions about the claims process
Can I choose any garage?
No. With agency repair cover, go to the authorised agency. Otherwise DNI assigns an approved workshop through its self-service portal.
Is agency repair available?
Yes, for DNI comprehensive policyholders with agency repair cover — and using brand new parts.
Can I go straight to a garage?
Only with agency repair cover, and you must notify DNI afterwards. For non-agency repairs, wait for the workshop assignment or DNI may move the car.
How do I find an approved workshop?
Contact DNI claims on 600 5 80000 and the self-service portal will guide you to the assigned workshop.
What if my car needs towing?
Gold and Classic card holders call IMC on 600 575751, available 24 hours a day.
DNI repair network contact
Service | Contact |
Claims registration | 600 5 80000 — Monday to Thursday 8 AM to 6 PM, Friday 8 AM to 12 PM |
Roadside assistance (IMC) | 600 575751 — 24 hours, 7 days a week |
DNI insurance contact information
DNI runs three physical locations in the UAE: the head office on Sheikh Zayed Road in Dubai, an office in Abu Dhabi, and a point of sale in Al Ain. There is no DNI branch in Sharjah, Ajman, Ras Al Khaimah, Umm Al Quwain or Fujairah — drivers in those emirates buy, renew and claim online or by phone, and use the approved workshop network locally.
Main contact (claims, quotes, renewals)
600 5 80000 — Monday to Thursday 8 AM to 6 PM, Friday 8 AM to 12 PM
Roadside assistance (IMC — Gold Card)
600 575751 — 24 hours, 7 days a week
Email and website
[email protected] — www.dni.ae
Office locations
Location | Address | Phone number |
Dubai head office | 3rd Floor, Dubai National Insurance Building, Sheikh Zayed Road (next to Mazaya Center, behind Coca-Cola Arena), Dubai, UAE. P.O. Box 1806 | 600 5 80000 |
Abu Dhabi office | ADCP Building, Tower C, Abu Dhabi, UAE. P.O. Box 129111 | 600 5 80000 / +971 2 643 4448 |
Al Ain point of sale | ADNOC Vehicle Inspection Center, Ground Floor, Office No. 3, Al Ain, UAE. P.O. Box 1806 | 600 5 80000 / +971 4 596 9441 |
If you would rather compare DNI against insurers with a physical presence where you live, start with car insurance in Abu Dhabi, car insurance in Al Ain or car insurance in Sharjah.
Frequently asked questions
DNI stands for Dubai National Insurance, a UAE insurer established in 1991 and headquartered on Sheikh Zayed Road in Dubai. DNI car insurance refers to the company's motor line, which covers private vehicles on either a comprehensive policy or a third-party liability policy written under the Unified Motor Vehicle Insurance Policy.
DNI third-party insurance starts from AED 728 and comprehensive from AED 1,700 for a 2021 Toyota Corolla valued at AED 43,000. Comprehensive costs roughly 2.3 times the third-party premium on the same car. Your own price depends on vehicle value, age, driving history and claims record.
Yes. DNI comprehensive motor policies run for 13 months rather than the standard 12, at the same premium. On an AED 1,700 policy that works out at about AED 131 per month of cover instead of AED 142, and the extra month is worth roughly AED 140. Third-party policies run the standard 12 months.
Yes. You can compare DNI quotes against other UAE insurers on Lookinsure, upload your Emirates ID, driving licence and registration card, and pay online in full or across four interest-free instalments with Tabby or Tamara. The policy is issued straight after the first payment, with a digital copy delivered.
Open Lookinsure, choose "get a quote", then select "renew insurance". Enter your chassis number, compare the DNI renewal price against other insurers, adjust your cover, and pay. Check that the 13-month period still applies and that any no claim discount has been included before you confirm the renewal.
Call 600 5 80000, Monday to Thursday 8 AM to 6 PM or Friday 8 AM to 12 PM. You need the original police report, your registration card front and back, a driving licence copy, the incident details and a signed claims form. For towing at any hour, Gold Card holders call IMC on 600 575751.
Yes to both. DNI has an Abu Dhabi office in the ADCP Building, Tower C, and an Al Ain point of sale at the ADNOC Vehicle Inspection Center. There is no DNI branch in Sharjah, Ajman or the northern emirates — drivers there buy, renew and claim online or on 600 5 80000.
It means your car is repaired at a manufacturer-authorised dealer using brand new parts rather than refurbished or reconditioned ones. It is available to comprehensive policyholders with agency repair cover. Replacement parts remain subject to depreciation under Insurance Authority Board of Directors Decision No. 25 of 2016.
Yes. If the driver is under 25 at the time of an accident, DNI applies an additional 10% excess on the claim. This applies to both comprehensive and third-party policies, and it is charged at claim stage rather than added to the premium when you buy the policy.
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