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HSBC 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
HSBC car insurance in the UAE is motor cover issued by GIG Insurance (Gulf) B.S.C. (c) and offered to customers of HSBC Bank Middle East. HSBC refers you, and GIG Gulf writes the policy, sets the price and handles every claim. If you don't bank with HSBC, or want to check the price against other insurers first, you can compare car insurance quotes online with Lookinsure.
What is HSBC car insurance?
HSBC car insurance is a referral arrangement, not an HSBC-underwritten product. HSBC Bank Middle East Limited states that it is "only a referrer" of GIG's general insurance products and is not responsible for claims or processing.
The policy you receive is a GIG Gulf motor policy, which is why people searching for HSBC auto insurance end up with GIG's product. The plans match GIG Gulf car insurance in name and structure.
Insurer
GIG Insurance (Gulf) B.S.C. (c), trading as GIG Gulf
HSBC's role
Referrer only: quotes, renewals and claims are handled by GIG Gulf
Plans
Motor Prestige, Motor Perfect and Motor Third Party, plus high net worth cover
Is HSBC car insurance still with AXA?
No. HSBC's car insurance partner in the UAE used to be AXA Insurance (Gulf). AXA's Gulf business was acquired by Gulf Insurance Group and now operates as GIG Gulf, which is why older articles and search results still mention HSBC AXA car insurance. The underwriter today is GIG Insurance (Gulf) B.S.C. (c).
HSBC motor insurance plans compared
HSBC motor insurance comes in three plans. Motor Prestige and Motor Perfect are forms of comprehensive car insurance: they pay for damage to your own car as well as the damage you cause to others. Motor Third Party is third-party car insurance, the legal minimum in the UAE, and it does not repair your own vehicle.
The figures below were taken from HSBC UAE's car insurance page and verified in September 2026.
| Benefit | Motor Prestige | Motor Perfect | Motor Third Party |
|---|---|---|---|
| Loss or damage to your car | Yes | Yes | No |
| Third-party property damage | AED 5 million | AED 3.5 million | AED 3.5 million |
| Fire and theft | Yes | Yes | Optional |
| Storm, flood, riot and strike | Yes | Yes | No |
| Agency repairs | 5 years | 2 years, optional up to 5 | No |
| Back to invoice for total loss | 24 months from first registration | 6 months from first registration | No |
| Oman cover | Yes | Yes | Optional |
| Off-road cover | Yes | Yes | No |
| Personal injury cover | AED 20,000 | AED 20,000 | No |
| Emergency medical expenses | AED 6,000 | AED 3,500 | No |
| Personal belongings | AED 4,000 | AED 4,000 | No |
| Windscreen excess waiver | Yes | If the damage is below AED 5,000 | No |
| Hire car | Up to AED 1,500 | Optional, up to 7 days | No |
| 24-hour accident and breakdown recovery | Yes | Yes | Yes |
| Maximum car age | 7 years, car valued above AED 150,000 | 15 years from first registration | No maximum, but not offered for brand-new cars |
Which HSBC plan should you choose?
The simple rule: if your car is up to 7 years old and worth more than AED 150,000, Motor Prestige is the plan built for it. Otherwise, choose Motor Perfect as long as the car is under 15 years old.
Motor Prestige
Choose it for a newer, high-value car where 5 years of agency repair and 24 months of back-to-invoice protection matter most.
Motor Perfect
Choose it for most cars up to 15 years old. You get full own-damage cover, and you can extend agency repair from 2 years to 5.
Motor Third Party
Choose it only for an older, low-value car you could afford to repair or replace yourself.
What HSBC car insurance covers
All three plans meet the Unified Motor Vehicle Insurance Policy issued under the Central Bank of the UAE. Under that policy, liability for injury or death caused to third parties has no upper limit, and third-party property damage must be covered to at least AED 2 million per accident. HSBC's plans go further on property damage, at AED 3.5 million or AED 5 million.
The two comprehensive plans add the protections most drivers claim on. Both include 24-hour accident and breakdown recovery, similar to standalone roadside assistance cover, and a windscreen excess waiver comparable to dedicated windscreen cover. They also pay up to AED 4,000 for items stolen from or damaged in the car, which works like personal belongings cover.
The windscreen waiver on Motor Perfect only applies when the damage is below AED 5,000. Above that, your normal car insurance excess applies, so check the amount in your policy schedule before you book the repair.
Agency repair and back to invoice
Agency repair means your car is fixed at the brand's authorised dealer workshop rather than a general garage. Motor Prestige includes it for 5 years and Motor Perfect for 2 years, with an option to extend to 5. Outside that window, repairs go to GIG Gulf's approved workshops, which you can check in the GIG Gulf garage list.
Back to invoice pays out the original purchase price, not the depreciated market value, if a new car is written off. Motor Prestige offers this for 24 months from first registration, and Motor Perfect for 6 months.
Oman and GCC cover
Oman cover is included in Motor Prestige and Motor Perfect and is optional on Motor Third Party. Cover for the wider GCC is optional on the two comprehensive plans and not available on Third Party. If your policy doesn't extend to Oman, you'll need an Orange Card for Oman at the border.
Optional add-ons with HSBC motor insurance
HSBC's plans come with a short list of extras rather than a long menu of add-ons. The most important is personal accident cover for the driver and passengers, which is optional on every plan.
| Add-on | Motor Prestige | Motor Perfect | Motor Third Party |
|---|---|---|---|
| Personal accident: driver | AED 350,000 | AED 200,000 | AED 200,000 |
| Personal accident: passengers | AED 200,000 | AED 200,000 | AED 200,000 |
| GCC cover | Optional | Optional | Not available |
| Pickup and delivery | Included | Optional | Not available |
| Hire car | Included, up to AED 1,500 | Optional, up to 7 days | Not available |
High net worth car insurance through HSBC
For classic, luxury and super cars with a sum insured of at least AED 500,000, GIG Gulf offers a separate high net worth motor policy to HSBC customers. It is built for the same drivers as other high-value car insurance, with much higher limits than the standard plans.
Agency repair
Unlimited, with no age cut-off
Waiver of depreciation
24 months
Car hire
AED 10,000 in total per policy
Lock and key replacement
Unlimited
Geographical cover
UAE and Oman, with European extension case by case
Classic cars
Up to AED 500,000 or 20% of the sum insured
Who can apply for HSBC car insurance?
You must already be an HSBC customer. The same rules apply to HSBC car insurance in Dubai and in every other emirate. HSBC lists five conditions, and you need to meet all of them:
Bank with HSBC
An existing account with HSBC Bank Middle East Limited
Live in the UAE
UAE residence
UAE driving licence
A valid licence issued in the UAE
UAE-registered car
The vehicle must be registered in the UAE
Clean record for 5 years
No driving disqualification, criminal conviction, refused insurance or special terms imposed in the past 5 years
For the quote itself, have your Emirates ID, driving licence and vehicle registration card (Mulkiya) ready. The full list of documents required for car insurance is the same whichever insurer you choose.
What HSBC car insurance does not cover
Exclusions are set out in the Motor Prestige, Motor Perfect and Motor Third Party terms and conditions, published on HSBC UAE's car insurance page. Like other UAE motor policies, they exclude these situations:
Wear and breakdown
Mechanical or electrical failure and normal wear and tear. Recovery is covered, but the repair itself is not.
Unfit or unlicensed driving
Driving under the influence of alcohol or drugs, or by someone without a valid licence
Racing
Racing, speed tests and rallies, unlike off-road driving, which the comprehensive plans include
How to make an HSBC car insurance claim
You make an HSBC car insurance claim with GIG Gulf, not with the bank. Call GIG on 800 4560 as soon as it is safe to do so after an accident. Then follow the same order as any UAE motor claim, which is explained step by step in our guide to how car insurance claims work in the UAE.
Step 1
Report to the police
Call the police from the scene, or use the Dubai Police or Abu Dhabi Police app for a minor accident, and get the accident report.
Step 2
Call GIG Gulf
Call 800 4560 and give your policy number and the police report reference.
Step 3
Record the damage
Take photos and videos, and note the time, place and details of anyone else involved.
Step 4
Submit your documents
Send the police report, photos, your driving licence and your Mulkiya to GIG Gulf.
Step 5
Repair at the approved workshop
GIG Gulf directs the car to an agency or approved workshop, depending on your plan.
HSBC car insurance renewal
HSBC car insurance renewal is done online with GIG Gulf. HSBC's page links straight to GIG's renewal form, and you can also retrieve a saved quote there. Before you renew, compare the renewal price with other insurers. Ask GIG Gulf for a no-claims certificate so a new insurer can recognise your record. That makes it easier to switch car insurance provider at renewal.
HSBC car insurance vs comparing on Lookinsure
HSBC's route gives you GIG Gulf's plans only, and only if you bank with HSBC. Comparing on Lookinsure puts GIG Gulf next to other UAE car insurance providers, whether or not you're an HSBC customer. You can also pay for car insurance in instalments with Tabby.
| Through HSBC | Through Lookinsure | |
|---|---|---|
| Who can buy | HSBC Bank Middle East customers only | Any UAE resident with a UAE licence |
| Insurers quoted | GIG Gulf only | GIG Gulf and other UAE insurers |
| Where you get the quote | GIG Gulf's website | One online form, with several quotes side by side |
| Paying in instalments | GIG premium instalment plans | Tabby and Tamara instalments |
| Claims handled by | GIG Gulf | The insurer you choose |
The verdict: if you already bank with HSBC and want a Prestige-level plan with long agency repair, get HSBC's quote. Then use it as the benchmark when you get a car insurance quote in Dubai or elsewhere in the UAE, and buy whichever gives you the same cover for less.
HSBC car insurance contact number
The HSBC car insurance contact number is GIG Gulf's call centre, 800 4560, as listed on HSBC UAE's car insurance page in September 2026. HSBC is not responsible for claims or policy processing, so contact GIG Gulf directly rather than your bank branch.
Car insurance queries and claims
GIG Gulf call centre: 800 4560
Callback
Request one through HSBC UAE's car insurance page for a response within 24 hours
High net worth motor
Frequently asked questions
GIG Insurance (Gulf) B.S.C. (c) provides it. HSBC Bank Middle East only refers its customers, so GIG Gulf issues the policy, prices it and settles claims. The plans are Motor Prestige, Motor Perfect and Motor Third Party, with a separate high net worth policy for cars insured for AED 500,000 or more.
No. AXA's Gulf insurance business was acquired by Gulf Insurance Group and now trades as GIG Gulf, which underwrites HSBC car insurance today. Older HSBC AXA policy documents and search results refer to the same arrangement. For queries on any current HSBC-referred motor policy, contact GIG Gulf on 800 4560.
Yes. You must already bank with HSBC Bank Middle East Limited, live in the UAE, hold a UAE driving licence, drive a UAE-registered car and have a clean record for the past 5 years. If you don't bank with HSBC, you can still buy GIG Gulf's cover directly or compare it with other insurers.
Yes, on the comprehensive plans. Motor Prestige and Motor Perfect include Oman cover, and it is optional on Motor Third Party. Wider GCC cover is optional on both comprehensive plans and not offered on Third Party. Check that your schedule shows the Oman extension before crossing the border, or buy an Orange Card.
The number is 800 4560, GIG Gulf's call centre, which handles quotes, policy changes and claims for HSBC-referred car insurance. You can also request a callback through HSBC UAE's car insurance page and expect a reply within 24 hours. High net worth customers can email [email protected].
There is no fixed price. GIG Gulf quotes each car individually based on its value, age and model, and on your age, driving history and chosen plan. HSBC does not publish premiums. Get the GIG quote, then compare it with other insurers' quotes for the same cover level before you buy.
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