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GIG car insurance in the UAE
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Regulated by the Central Bank of the UAE
Regulated by the Central Bank of the UAE
GIG Gulf car insurance is the UAE motor insurance business of Gulf Insurance Group, sold in three plans — Comprehensive – Agency, Comprehensive – GIG Garage and Third Party — and regulated by the Central Bank of the UAE.
This page sets out what each plan covers, what it excludes, how renewal and claims work, and how to reach GIG on 800 292. When you are ready to price it against the rest of the market, you can compare car insurance quotes online in about two minutes.
What is GIG car insurance?
GIG car insurance is motor cover underwritten by GIG Gulf, the UAE arm of Gulf Insurance Group, which describes itself as having protected the region for more than 70 years. Its motor range covers private vehicles under a comprehensive or third-party policy, with 24/7 roadside assistance included and optional extensions for Oman, the wider GCC and war risk.
GIG motor insurance is sold under four product names: Motor Prestige, Motor Perfect Plus, Motor Perfect and Motor Third Party. On GIG's own comparison table these appear in simplified form as Comprehensive – Agency, Comprehensive – GIG Garage and Third Party, which is the naming used throughout this page.
GIG car insurance at a glance
Insurer
GIG Gulf, the UAE business of Gulf Insurance Group
Coverage options
Comprehensive – Agency, Comprehensive – GIG Garage, Third Party
Previously known as
AXA Gulf, rebranded to GIG Gulf
Toll-free number
800 292 within the UAE, +971 4 5074085 from outside
Roadside assistance
800 292 — same number, 24/7, select the roadside option
Contact centre hours
8am – 6pm, all week
Regulator
Central Bank of the UAE
Installment options
Tabby and Tamara on eligible policies through Lookinsure
Online discount
10% instant discount on online purchases
Is GIG Gulf the same as AXA?
Yes. GIG Gulf is the rebranded identity of the business that traded in the UAE as AXA Gulf. If you are searching for AXA car insurance in Dubai or AXA car insurance in the UAE, GIG Gulf is the company you are looking for — the policy documents, contact numbers and customer portal now all carry the GIG Gulf name.
GIG car insurance plans compared
The table below reproduces GIG Gulf's own published table of benefits. Figures are in AED and were taken from GIG Gulf's third-party car insurance page in September 2026.
| Benefit (in AED) | Comprehensive – Agency | Comprehensive – GIG Garage | Third Party |
|---|---|---|---|
| GIG exclusive rewards | Up to 750 | Up to 750 | Up to 500 |
| Loss or damage to the insured vehicle | Covered | Covered | No |
| Third-party liability – bodily injury | Covered | Covered | Covered |
| Third-party property damage | 5 million | 3.5 million | 3.5 million |
| Legal liability extended to include family members as third party | Covered | Covered | Covered |
| Storm, floods, riots and strikes | Covered | Covered | No |
| Personal injury cover | 20,000 | 20,000 | No |
| Emergency medical expenses | 6,000 | 3,500 | No |
| Personal belongings | 4,000 | 4,000 | No |
| Oman cover | Covered | Covered | Optional |
| Off-road cover | Covered | Covered | No |
| Maximum agency repair period | 5 years | Optional up to 5 years | No |
| Guaranteed repairs | Covered | Covered | No |
| Back to invoice on total loss | 24 months from first registration | 6 months from first registration | No |
| Waiver of excess on windscreen damage | Covered | Below 5,000 | No |
| Personal accident cover – driver | 350,000 | 200,000 | 200,000 |
| Personal accident cover – passenger of third party | 200,000 | 200,000 | 200,000 |
| Hire car benefit | Up to 1,500 | Optional up to 7 days | No |
| 24-hour accident and breakdown recovery | Covered | Covered | No |
| GCC cover | Optional | Optional | No |
| Pickup and delivery (claims service) | Covered | No | No |
Which GIG plan to choose. The right plan is set by the age and value of the car, not by the premium.
Take Comprehensive – Agency
If your car is under five years old or financed. It is the only plan that keeps repairs at the manufacturer's agency for the full five years and pays back to invoice for 24 months.
Take Comprehensive – GIG Garage
If your car is out of warranty but you still want own-damage, flood and off-road cover, repaired at a GIG network garage rather than the agency.
Take Third Party
Only if the market value no longer justifies own-damage cover. GIG positions it for cars over eight years old, in regular daily use, or out of warranty.
The same three-way choice exists at every UAE insurer, so it is worth reading the general explainers before you settle on a plan level. Understand what it means to buy comprehensive car insurance and how to compare third party car insurance first, then apply that decision across every quote you pull.
What GIG Gulf motor insurance covers
Every GIG motor policy, including Third Party, covers third-party bodily injury and extends legal liability to family members treated as third parties. GIG sets its third-party property damage limit at AED 3.5 million on the GIG Garage and Third Party plans and AED 5 million on the Agency plan.
That figure is worth understanding properly. Under the Unified Motor Vehicle Insurance Policy Against Third Party Liability issued by the Central Bank of the UAE, the mandatory market limit for third-party property damage is AED 2,000,000 per accident, and liability for third-party death or bodily injury carries no monetary cap at all — the policy obliges the insurer to pay the amount judicially awarded, with the single exception of family members of the insured or driver, who are limited to AED 200,000 per deceased person. GIG's 3.5 million and 5 million figures are therefore enhancements above the regulatory floor on property damage, not caps on injury claims.
On the two comprehensive plans, GIG adds loss or damage to your own vehicle, storm and flood damage, riots and strikes, off-road cover, guaranteed repairs and 24-hour accident and breakdown recovery. Two limits sit inside those plans that are often bought as separate products elsewhere: loss of personal belongings cover is capped at AED 4,000, and personal accident cover pays up to AED 350,000 for the driver on the Agency plan.
Storm and flood damage is included on both comprehensive plans and excluded from Third Party — a meaningful distinction in a market where a single weather event can write off a car, and the reason flood damage cover is one of the first things to check when comparing plan levels. Damage caused while driving off-road is covered on the comprehensive plans only; GIG states plainly that Motor Third Party does not cover off-roading, so dune and desert drivers should read the terms on 4x4 and off-road car insurance before choosing a plan.
These are private-vehicle products. Commercial and public-transport vehicles, pickup trucks and vans are excluded from several GIG motor services and need commercial and fleet car insurance quoted separately.
What GIG car insurance does not cover
Third Party excludes the largest categories outright: loss or damage to your own vehicle, storm and flood damage, riots and strikes, personal injury cover, emergency medical expenses, personal belongings, off-road cover, agency repairs, guaranteed repairs, back to invoice on total loss, windscreen excess waiver, hire car, GCC cover and 24-hour breakdown recovery are all listed as not covered.
Across all plans, standard policy excess applies before GIG pays. GIG distinguishes two deductibles: a basic deductible set per accident in the Schedule of Deductibles attached to your policy, and an ancillary deductible charged as a fixed percentage of the claimed amount on top. You pay the excess when you collect the vehicle from the workshop or agency; on a total loss it is deducted from the settlement instead. Depreciation is applied to the net cost of new spare parts according to the age of the vehicle, and GIG invites you to check the purchase invoice before paying.
The general categories that UAE motor policies exclude — driving under the influence, racing, deliberate damage, mechanical wear — apply here as they do everywhere; the detail sits in the policy wording, and the pattern across the market is set out in what car insurance does not cover.
GIG car insurance add-ons and optional cover
Oman cover. Oman is an optional extension on the Third Party plan and included on both comprehensive plans. GIG states that the policy covers road trips to Oman subject to obtaining an Orange Card, which existing customers download from the MyGIG Car portal. If you are not yet insured with GIG, the process and cost of an Orange Card for driving into Oman is the same regardless of insurer.
GCC cover. Optional on both comprehensive plans and not available on Third Party. GIG asks customers to add it at quote stage on the Motor Prestige or Motor Perfect policies.
War cover. GIG Gulf launched an optional war cover add-on for UAE motor policies. It costs 0.5% additional premium — a percentage, not a flat fee — and you choose a sum insured of up to the vehicle's full value less depreciation, AED 100,000, or AED 50,000. It is available on Motor Prestige, Motor Perfect Plus and Motor Perfect for private saloon, sedan, SUV and 4WD vehicles, and it covers direct damage to your own car from fighting between countries, invasion, civil war, rebellion, organised uprising and a forced change of government.
Three conditions on war cover matter before you buy.
48-hour waiting period
Cover starts 48 hours after purchase. Claims arising inside that window are not paid, so it is worth adding before you think you need it.
UAE only
The add-on applies inside the UAE, for the duration of the underlying motor policy. War damage outside the UAE is not covered.
Non-refundable, no auto-renewal
Once issued it cannot be cancelled or refunded, and it does not carry over — it has to be bought again at each policy renewal.
War cover does not extend to third-party liability, nuclear or radioactive events, goods carried for trade, airport or airside operations, or any loss within 500 metres of a military base, defence site or marine port. It is not available to taxis, commercial or rental vehicles, or government and embassy-owned cars.
Windscreen and key cover. The Agency plan waives the excess on windscreen damage outright and the GIG Garage plan waives it below AED 5,000; on Third Party there is no glass cover at all, which is where a standalone windscreen cover comparison becomes relevant. GIG's published table does not itemise key replacement, so if you have lost a smart key before, check each quote against what car key replacement cover normally includes rather than assuming it is bundled.
GIG roadside assistance and breakdown recovery
GIG Gulf roadside assistance runs 24/7 and is reached on the same toll-free number as the rest of the company: call 800 292 and select the "Roadside Assistance" option. GIG describes the service as unlimited on its motor policies and covers recovery within your city and to the nearest workshop.
In an accident, roadside assistance is step one: GIG coordinates with the towing service before you deal with the police report or the claim form. For a normal breakdown rather than a collision, the same number and the same menu option apply.
Note the plan distinction in GIG's own table — 24-hour accident and breakdown recovery is listed as covered on both comprehensive plans and not covered on Third Party, even though the Third Party product page advertises round-the-clock roadside assistance. If breakdown recovery is the reason you are buying, read what roadside assistance cover includes as a benefit and check it explicitly on every quote.
GIG insurance contact number and customer service
These are GIG Gulf's published contact details for the UAE.
| Purpose | Contact |
|---|---|
| Toll-free within the UAE, including roadside assistance | 800 292 |
| From outside the UAE | +971 4 5074085 |
| Opening hours | 8am – 6pm, all week |
| Register or track a claim | giggulf.ae customer portal |
| Claim reimbursement status | [email protected] |
| No-claims discount certificate | [email protected] |
| Regulator | Central Bank of the UAE |
GIG Gulf lists branches in the UAE, Bahrain, Oman and Qatar. If you are buying or renewing in the capital, the market comparison for car insurance in Abu Dhabi covers which insurers price competitively there.
How to renew GIG car insurance in the UAE
GIG motor insurance renewal can be done two ways, and they answer different questions. Both take minutes; only one of them tells you whether GIG is still the right price for you this year.
Renewing directly with GIG. GIG car insurance renewal on GIG Gulf's own portal needs your existing policy number, and GIG applies a 10% instant discount on online purchases. This is the faster route if you already know you want to stay with GIG.
Renewing through Lookinsure. This route shows GIG's renewal price beside other UAE insurers on the same cover level, which is the only way to find out whether staying with GIG is actually the better deal this year. You can compare renewal quotes side by side and buy in the same session.
Step 1
Start a quote
Open Lookinsure and choose Renew as your first option, so the system looks for renewal pricing rather than a new policy
Step 2
Enter your vehicle details
Use your chassis number, or select your car's make, model and year manually
Step 3
Compare the renewal price
Review GIG's renewal quote against other UAE insurers on the same level of cover
Step 4
Apply your no-claims discount
Present the certificate from your previous insurer so the discount carries across to the new policy
Step 5
Pay and receive the policy
Pay in full or in four interest-free instalments, and the policy is issued digitally after approval
Renewal is also the moment your no-claims discount is applied. GIG confirms that a no-claims discount is transferable between insurers: you obtain a certificate from your previous insurer and present it to the new one. If you have never had to produce one, the mechanics of how the no-claims bonus works are worth reading before you renew, because the discount is usually larger than any difference in base premium.
Buying GIG car insurance in installments
Yes. Buying your GIG policy through Lookinsure lets you split the premium into four interest-free instalments with no fees. Select your GIG plan, then choose your payment partner at checkout — car insurance with Tabby or car insurance with Tamara.
Cover starts immediately from the policy start date and stays fully active while you pay; the instalments are a payment arrangement, not a staged policy. Keep the scheduled payments up to date to keep the policy valid without interruption. GIG Gulf also offers a four-month split at 0% interest and 0% fees on its own site, so instalments are available on either route.
Documents required to buy GIG car insurance
To buy or renew a GIG motor policy online you will normally need:
Emirates ID
A copy, for identity verification on the policy
UAE driving licence
Valid, and in the name of the person the policy is issued to
Vehicle registration card (Mulkiya)
Or the chassis number, which fills in the make, model and year automatically
No-claims discount certificate
From your previous insurer, if you are carrying the discount across
For a hire car booking GIG asks for copies of the Emirates ID, driving licence, passport and visa, and a credit card. For the free inspection service it asks for the Emirates ID, driving licence, passport and visa, and the original old registration card.
How to make a GIG car insurance claim
GIG Gulf registers motor claims online through its customer portal and says the form takes about five minutes. The full sequence after an accident is:
Step 1
Call roadside assistance
800 292, "Roadside Assistance" option. GIG coordinates towing to the nearest workshop within your city.
Step 2
Get the police report
Call 999, or use the Dubai Police app for a minor accident. No UAE motor claim proceeds without it.
Step 3
Register the claim
Submit it on the GIG Gulf customer portal. You will receive a claim reference number.
Step 4
Workshop or agency allocation
GIG emails or texts you the workshop — or the agency, if your plan is eligible for agency repair — where you drop the car for a repair estimate.
Step 5
Book a hire car, if eligible
At least 24 hours in advance, once a claim number exists and your policy includes hire car cover.
Step 6
Repair
You are notified by SMS or email once repairs are authorised and work begins.
Step 7
Track the claim
Use your claim reference number on GIG Gulf's motor claims tracking page for real-time status.
Two conditions change the timeline. Where a third party is at fault, GIG requires approval from the third party's insurer before the claim proceeds. Where you are responsible for the damage, you pay the standard excess and any other applicable excess to the workshop.
Documents required for a GIG claim
Policy reference number
From your GIG Gulf policy schedule, formatted like 13/VA/123456789/0/0
Driving licence
Of the person driving at the time of the accident, front and back
Vehicle registration card
Front and back, matching the insured vehicle
Police report
Required on every motor claim, whoever was at fault
Photographs and claim form
For windscreen and flood claims: clear pictures of the damage plus a completed, signed GIG Gulf claim form
Flood claims have an extra requirement: the police report must show the date of the flood as the incident date, and if the car was in a building's parking you must give the building name, owner or developer, locality and emirate, and the Makani number in Dubai.
Which garages GIG uses for repairs
If your plan is eligible for agency repairs, the car goes to the manufacturer's authorised agency. Otherwise GIG allocates one of its authorised network garages nearest to you, selected on quality, experience and market reputation. To check whether your usual workshop is in the network before you buy, see the GIG approved garage list.
Total loss and cancellation
GIG treats a vehicle as a total loss if it is damaged beyond repair, or if the repair cost exceeds 50% of its value at the time of loss. The total loss department issues an offer letter, and compensation is the agreed sum insured net of depreciation and any applicable excess.
To cancel, GIG requires proof that you no longer own the vehicle — a possession certificate, the new owner's registration card, or an export certificate. RTA receipts, sales agreements and tourism certificates are not accepted. Refunds are normally paid where there has been no at-fault claim that year, and the amount depends entirely on how far into the policy year you are.
0 – 30 days
80% of the premium refunded
31 – 120 days
70% of the premium refunded
121 – 180 days
50% of the premium refunded
181 – 300 days
30% of the premium refunded
From day 301
No refund is payable
The refund goes back to the original card used for purchase, in seven to ten working days.
Requesting a no-claims discount certificate
Email [email protected] with your motor policy number. GIG issues the certificate within two working days. You qualify once you have completed at least one policy year without a claim. The certificate is what you present to another insurer to carry the discount across, and it is also what you need if you are moving out of the UAE and insuring a car abroad.
How GIG compares with other car insurers in the UAE
GIG's strength is the Agency plan: a five-year agency repair period and 24 months of back-to-invoice cover is at the generous end of the UAE market. Its Third Party plan is unusually well specified too, carrying AED 3.5 million of property damage cover against the AED 2 million regulatory minimum. Where it is less competitive is the middle — the GIG Garage plan drops emergency medical cover to AED 3,500 and makes agency repair an optional extra.
That makes it worth pricing against insurers with a different shape. Al Ain Ahlia car insurance is the natural comparison for drivers who value a straightforward claims and online renewal process, and Oriental car insurance competes hard on price at the third-party and mid-comprehensive levels.
For takaful-structured cover, Salama car insurance is the established UAE name, while Insurance House car insurance tends to suit drivers who want a smaller insurer with a direct claims relationship. Whichever you shortlist, compare like for like — agency versus network repair, the third-party property limit, and the excess — rather than on headline premium alone.
Frequently asked questions
Call 800 292 free from inside the UAE. The same toll-free number handles roadside assistance — select that option from the menu. From outside the UAE, call +971 4 5074085. The contact centre is open 8am to 6pm, all week. Claims can be registered and tracked online through the GIG Gulf customer portal at any time.
Yes. GIG Gulf provides 24/7 roadside assistance on 800 292 — call and select the "Roadside Assistance" option. Recovery is covered within your city and to the nearest workshop, for breakdowns as well as accidents. GIG's benefits table lists 24-hour accident and breakdown recovery on both comprehensive plans; confirm the position on Motor Third Party before relying on it.
Two ways. Renew directly on GIG Gulf's online renewal portal using your existing policy number, where a 10% instant discount applies to online purchases. Or start a quote on Lookinsure, select "Renew", enter your chassis number, and compare GIG's renewal price against other UAE insurers on the same cover level before you commit.
Yes. GIG Gulf is the rebranded identity of the business that operated in the UAE as AXA Gulf. Searches for AXA car insurance in Dubai or the UAE now lead to GIG Gulf, which carries the policies, the contact numbers and the customer portal. Existing AXA Gulf motor policies transferred to the GIG Gulf name.
GIG Gulf is the UAE business of Gulf Insurance Group, the regional insurer the GIG initials stand for. It says it has protected the region for more than 70 years and operates branches across the UAE, Bahrain, Oman and Qatar. Its UAE insurance business is regulated by the Central Bank of the UAE.
Yes. Buying your GIG policy through Lookinsure lets you split the premium into four interest-free instalments with Tabby or Tamara, chosen at checkout. Cover begins immediately from the policy start date and stays fully active while you pay. GIG Gulf separately offers a four-month split at 0% interest and 0% fees on its own site.
GIG Gulf publishes review scores of 4.5 out of 5 from more than 39,000 reviews, 4.1 out of 5 from more than 900, and 4.0 out of 5 from more than 150, plus an eKomi customer award rating of 4.4 out of 5 from 20,352 customers. Compare plan benefits against competing quotes rather than relying on ratings.
GIG does not publish fixed prices. It calculates premiums from the vehicle's age, model and market value, the driver's age and claims history, the plan chosen and the deductible. A 10% instant discount applies to online purchases, and war cover adds 0.5% to the premium. Compare quotes to see your actual price.
Yes, with conditions. Oman cover is included on both GIG comprehensive plans and available as an optional add-on on Third Party. GIG states that trips to Oman are covered subject to obtaining an Orange Card, which existing customers download from the MyGIG Car portal. Note that GIG's war cover add-on applies inside the UAE only.
Email [email protected] with your motor policy number clearly stated. GIG Gulf issues the certificate within two working days. You are eligible once you have completed at least one policy year without making a claim. The certificate lets you transfer your no-claims discount to another insurer, in the UAE or abroad.
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