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New India Assurance car insurance
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Regulated by the Central Bank of the UAE
Regulated by the Central Bank of the UAE
New India car insurance is the motor cover that The New India Assurance Company Ltd sells through its branches in Abu Dhabi, Dubai and Sharjah. The company was founded in 1919 and is India's largest non-life insurer.
In the UAE it offers comprehensive and third-party policies for private cars, commercial vehicles and fleets of six or more, with optional add-ons ranging from agency repair to off-road cover.
This guide covers what New India Assurance car insurance includes, the roadside assistance numbers, where the offices are, and how claims and renewals work. Everything is taken from New India's own UAE and group websites, checked on 17 September 2026. When you're ready to price a policy, compare car insurance quotes from New India and other UAE insurers in one place.
What is New India Assurance car insurance?
New India Assurance car insurance is a UAE motor policy written by the Emirates branches of an Indian general insurer, not by a local UAE company. The cover itself follows the UAE's standard motor wording. What changes is the insurer behind it: its offices, add-ons, roadside provider and claims desk.
Insurer
The New India Assurance Co. Ltd, UAE branches
Founded
1919, in Mumbai
UAE offices
Abu Dhabi, Dubai and Sharjah
Motor policies
Comprehensive, third-party liability, fleet comprehensive
Financial ratings
CRISIL AAA/Stable; AM Best financial strength B++ (Good)
UAE supervisor
Central Bank of the UAE
New India Assurance company: the Indian insurer in Dubai
The New India Assurance Company is a Mumbai-headquartered general insurer, majority-owned by the Government of India, and operates in 25 countries. It describes itself as the largest non-life insurance company in India. In the UAE it runs branches rather than a locally incorporated company. The Dubai office handles Dubai and the Northern Emirates, and a separate team covers Abu Dhabi.
New India's ratings are CRISIL AAA with a stable outlook and, from AM Best, a financial strength rating of B++ (Good) with a stable outlook, as listed on its UAE company profile in September 2026. CRISIL's AAA is an Indian national-scale rating, so it isn't directly comparable with the international ratings UAE-incorporated insurers publish. All insurers operating in the country, including foreign branches, are licensed and supervised by the Central Bank of the UAE.
New India is often confused with another Indian state-owned insurer that has a Dubai branch. That insurer's UAE motor business has been in run-off since August 2025 and can no longer issue or renew policies, as explained on our Oriental car insurance page. New India's UAE branches still sell and renew motor policies, and its website lists online purchase and claim reporting. The branches also write non-motor business, which has its own claims desk in Abu Dhabi.
New India Assurance motor insurance in the UAE: the plans
New India Assurance motor insurance comes in three forms: comprehensive, third-party liability, and fleet comprehensive for businesses. Private cars and all types of commercial vehicles are eligible.
Comprehensive car insurance
New India's comprehensive car insurance pays for damage to your own car as well as your liability to other people. New India lists five causes of own-damage loss as covered:
Accident
Accidental collision or overturning
Fire
Fire, external explosion, self-ignition and lightning
Theft
Burglary, housebreaking or theft of the vehicle
Malicious acts
Deliberate damage caused by a third party
Transit
Damage while the car is carried by road, rail, inland waterway or lift
Storms and floods aren't in that list. New India's own pages don't agree on them: its motor product page sells natural calamities as an optional add-on, while its plans article lists them under comprehensive cover. Check that natural calamities appear on your schedule before the rainy season.
Third-party liability insurance
New India's third-party car insurance is the legal minimum in the UAE. It covers death or bodily injury to other people, including your passengers, and damage to their property, but never repairs to your own car. It's the cheaper policy, and New India doesn't offer add-ons on it. If you're searching for third-party car insurance online from New India Assurance, that's the policy you're buying.
Fleet and commercial vehicles
Businesses with six or more vehicles qualify for New India's fleet comprehensive policy, which can also be set up as third-party only or as a mix of the two. Single vans, pick-ups and trucks are insured individually under commercial vehicle insurance. New India states that all types of commercial vehicle are eligible.
| What you need | Comprehensive | Third-party liability |
|---|---|---|
| Repairs to your own car | Yes | No |
| Injury to other people and their property | Yes | Yes |
| Theft and fire of your car | Yes | No |
| Optional add-ons | Available | Not available |
| Meets the UAE legal requirement | Yes | Yes |
| Premium | Higher | Lower |
Pick by the car's situation, not the price alone:
Choose comprehensive
If the car is financed, less than a few years old, or you couldn't pay for a major repair or a replacement yourself.
Choose third-party
If the car is older, its market value is low enough that you could absorb a total loss, and you only need to register it legally.
Optional add-ons New India offers
New India publishes seven optional covers for its comprehensive policies. They're priced separately and appear on your schedule only if you choose them.
Personal accident
Benefits for the driver and passengers if they are injured or killed
Rent a car
A hire car while yours is off the road for a covered repair
Natural calamities
Storm, flood and similar weather damage
Off-road cover
Desert and off-road driving, for four-wheel private vehicles only
Windscreen damage
Repair or replacement of damaged glass
Agency repair
Repairs at the brand's authorised dealer instead of a network garage
Road assistance
24/7 towing and breakdown help (details below)
The three covers most UAE drivers add are the weather, desert and breakdown ones. Standard motor policies generally exclude off-road driving, so if you drive dunes at weekends, you need off-road cover for a claim to be paid. See how 4x4 and off-road car insurance works before you head out. After the heavy rains of recent years, car flood insurance is worth adding, because New India's motor product page doesn't list natural calamities as standard. Our guide to roadside assistance cover explains what a recovery add-on usually includes.
Families who regularly drive with passengers should look at personal accident cover. Stone chips are common on highways, so windscreen cover is worth considering if you commute long distances. Agency repair is also an add-on, not a standard feature, so owners of newer or luxury cars should confirm it appears on the schedule.
New India Assurance roadside assistance number
New India's roadside assistance runs 24/7 through two different providers, depending on the emirate.
In Dubai, call 800 247772 (operated by 24by7).
In Abu Dhabi, call 600 575751 (operated by International Motoring Club).
| Emirate | Roadside number | Provider | Hours |
|---|---|---|---|
| Dubai | 800 247772 | 24by7 | 24/7 |
| Abu Dhabi | 600 575751 | International Motoring Club (IMC) | 24/7 |
Five services are included when roadside assistance is on your policy:
Towing
After an accident or mechanical breakdown, to the nearest dealer or a garage of your choice
Battery boost
A jump-start at the roadside
Flat tyre
Spare fitted, or a tow if there is no spare
Fuel delivery
Emergency fuel brought to you; you pay for the fuel itself
Lock-out
An attempt to open the car if the keys are locked inside
The service has three limits. It covers private saloons, SUVs and four-wheel drives only, so commercial vehicles don't qualify. It works inside the UAE only. Towing is limited to city limits. A tow after a breakdown doesn't pay for fixing the fault, which is what mechanical breakdown cover is for.
New India Assurance offices in Dubai, Abu Dhabi and Sharjah
New India Assurance has three offices in the UAE, all closed on Saturdays and Sundays. It doesn't publish a toll-free customer service number. The 800 number people search for is the Dubai roadside line above, so for policy and renewal questions, call the office that issued your policy.
| Office | Address | Phone | Hours |
|---|---|---|---|
| Dubai | 7th Floor, Rais Hassan Saadi Building, Al Mankhool Road, PO Box 5701 | +971 4 352 5563 | Mon–Thu 8:00–13:00 and 14:00–17:00; Fri 8:00–12:00 |
| Abu Dhabi | Ground Floor, Salem Saif Saqer Al Mehairbi Building, off Salam Street, beside KM Hypermarket, Tourist Club Area, PO Box 46743 | +971 2 644 0428 | Mon–Thu 8:00–13:00 and 14:00–17:00; Fri 8:00–13:00 and 14:00–16:00 |
| Sharjah | Office 7, Mezzanine Floor, Babel Tower, near Qanat Al Qasba | +971 6 556 0312 | Mon–Thu 8:00–13:00 and 14:00–17:00; Fri 8:00–12:00 |
New India insurance Dubai office
The New India Assurance Dubai office is on Al Mankhool Road and serves Dubai and the Northern Emirates. Its customer care email is [email protected]. If you're comparing car insurance in Dubai or car insurance in Ajman, this is the branch your New India policy is likely to be issued from.
New India Assurance Abu Dhabi office
The New India Assurance Abu Dhabi office is in the Tourist Club Area, next to KM Hypermarket, and it runs its own motor claims team. It is also the only branch open on Friday afternoons. Drivers comparing car insurance in Abu Dhabi can walk in for policy questions.
New India Assurance Sharjah office
The Sharjah office is in Babel Tower near Qanat Al Qasba. It takes phone enquiries but has no published claims email of its own, so call the office to confirm which claims desk handles your policy. See our page on car insurance in Sharjah for local options.
How to make a New India car insurance claim
You can start a New India car insurance claim in one of three ways: take the car to a New India approved garage, email your documents to the claims desk, or ask your insurance broker to register it. Whichever route you choose, a police report comes first.
Step 1
Get the police report
Report the accident to the police. No UAE motor claim is processed without the report.
Step 2
Register the claim
Go to an approved garage, email the claims desk for your issuing office, or contact your broker.
Step 3
Send the documents
Missing papers delay repair authorisation, so send all four together.
Step 4
Survey and approval
A surveyor assesses estimates above AED 5,000 (non-agency) or AED 10,000 (agency) before repairs are authorised.
Step 5
Collect the car
Pay the policy excess at the garage, inspect the repair, then sign the discharge receipt.
Claim emails and documents
For policies issued in Abu Dhabi, email [email protected].
For policies issued in Dubai, email [email protected].
New India asks for four documents with every motor claim:
Police report
A copy of the report for the accident
Driving licence
Copy, both sides
Registration card (Mulkiya)
Copy, both sides
Emirates ID
A copy of the ID
If the other driver was at fault, New India recovers the cost from their insurer. The repair order (LPO) can take up to 72 working hours from the time the other insurer is notified. That is normal, and our guide to how long a car insurance claim takes explains the rest of the timeline. The excess you pay at collection is set in your schedule; see how the deductible works.
Before you drive anywhere, check the approved garage list for New India motor claims. Keep the emergency numbers to call after an accident saved in your phone. For the general process across all insurers, read how a UAE car insurance claim works.
What New India car insurance does not cover
New India names three situations in which no claim is paid, whichever policy you hold:
Intoxicated driving
Driving under the influence of alcohol or drugs
Intentional damage
Loss or damage caused on purpose by the insured
No valid licence
Driving without a licence valid for the vehicle
These are the headline exclusions only. The full list, which includes items such as wear and tear, is in your policy wording, which follows the UAE's Unified Motor Vehicle Insurance Policy. Read it before you rely on an add-on.
New India Assurance car insurance renewal
You can renew New India Assurance car insurance through New India's own online portal (linked from its UAE website), at the branch that issued the policy, or by comparing a fresh quote on Lookinsure before the expiry date. New India itself advises comparing quotes three to four weeks before renewal.
Step 1
Check the expiry date
It's on your policy schedule. Start three to four weeks before it.
Step 2
Compare the renewal price
Check New India's renewal quote against other insurers for the same cover.
Step 3
Get your NCD letter
If you switch, ask New India for an official no-claims certificate so your discount follows you.
Step 4
Review add-ons and pay
Add or drop covers, then pay online in full or in instalments.
Step 5
Renew the registration
With the new policy active, renew the car's registration before it lapses.
A clean year counts toward your no-claims bonus, so make sure the discount appears on the renewal quote. If you buy or renew through Lookinsure, you can spread the premium with car insurance with Tabby or Tamara car insurance instalments.
A valid policy is required before renewing your vehicle registration with the RTA, so renew the insurance first. Keep your Emirates ID, licence and Mulkiya to hand. Our checklist of documents required for car insurance covers the rest. If you're selling the car rather than renewing, read about transferring car insurance to a new owner first.
Driving to Oman with New India car insurance
New India's published list of motor add-ons doesn't include an Oman or GCC extension, and its roadside service works inside the UAE only. Before any road trip, ask your issuing office in writing whether your policy covers Oman. If it doesn't, buy an Oman orange card at the border or online.
New India car insurance review: is it a good choice?
New India is a strong choice if you want a long-established insurer with walk-in offices in three emirates, fleet capability for six or more vehicles, and 24/7 roadside assistance on private cars. It's a weaker fit if you need GCC cover as standard, roadside help for a commercial vehicle, or customer service outside weekday office hours. Natural-calamity cover and agency repair both cost extra, so compare the fully built price rather than the headline premium. Line it up against all car insurance providers before you renew.
Frequently asked questions
It is UAE car insurance issued by the Abu Dhabi, Dubai and Sharjah branches of The New India Assurance Company, an Indian general insurer founded in 1919. It offers comprehensive, third-party liability and fleet policies for private and commercial vehicles, plus optional covers such as agency repair, off-road, rent a car and roadside assistance.
Use New India's online portal, linked from its UAE website, or compare a renewal quote on Lookinsure. Start three to four weeks before expiry, check that your no-claims discount is applied, review your add-ons, then pay. If you switch insurers, ask New India for an official NCD certificate first.
The Dubai office is on the 7th floor of the Rais Hassan Saadi Building, Al Mankhool Road. Call +971 4 352 5563. It opens Monday to Thursday 8:00–13:00 and 14:00–17:00, and Friday 8:00–12:00. The branch also serves the Northern Emirates and is closed at weekends.
New India's Abu Dhabi office is on the ground floor of the Salem Saif Saqer Al Mehairbi Building, off Salam Street, beside KM Hypermarket in the Tourist Club Area. Call +971 2 644 0428. Motor claims for Abu Dhabi policies go to [email protected].
Call 800 247772 in Dubai or 600 575751 in Abu Dhabi, both available 24/7. The service covers towing, battery boosts, flat tyres, fuel delivery and lock-outs for private saloons, SUVs and four-wheel drives inside the UAE only. You pay for any fuel delivered, and towing is limited to city limits.
Yes. The New India Assurance Company is headquartered in Mumbai, was founded in 1919 and operates in 25 countries. In the UAE it runs branches in Abu Dhabi, Dubai and Sharjah. It should not be confused with Oriental Insurance, another Indian insurer whose UAE motor business has been in run-off since August 2025.
Ask the branch that issued your policy before you sell, because transfer and cancellation terms depend on your policy wording. In most UAE sales the buyer takes out a new policy in their own name before registering the car, and the seller cancels the old policy and claims any refund.
There is no fixed price. New India prices each policy on your car's make, model, age and value, your driving history and no-claims record, where the car is registered and which add-ons you choose. Third-party liability is the cheapest option, and comprehensive with agency repair costs the most. Compare live quotes to see your actual premium.
Not as a published standard. New India's list of motor add-ons does not include an Oman or GCC extension, and its roadside assistance works inside the UAE only. Ask your issuing branch in writing before you travel, and buy an Oman orange card at the border if your policy does not extend.
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