Nissan Sunny
Comprehensive
Features and Benefits
Oman coverage
24/7 Roadside assistance
Starting From
AED
1,625AED
406.25monthly in 4 payments
Orient car insurance in the UAE
Pay in 4 months with
And
Regulated by the Central Bank of the UAE
Regulated by the Central Bank of the UAE
Orient car insurance is motor cover underwritten in the UAE by Orient Insurance PJSC, a Dubai-based insurer established in 1982 and part of the Al-Futtaim Group. It is sold in two forms — comprehensive and third-party liability — and both are regulated under the Central Bank of the UAE's Unified Motor Vehicle Insurance Policy, which sets the minimum terms every UAE motor policy must meet.
Drivers usually compare Orient motor insurance for what its Motor Plus comprehensive plans bundle in rather than for headline price: natural-calamity protection, roadside assistance, off-road cover for 4WD vehicles, a windscreen excess waiver, valet parking cover and an Oman geographical extension.
Orient car insurance in Dubai, Abu Dhabi, Sharjah, Ajman, Fujairah, Ras Al Khaimah and Umm Al Quwain is available online through Lookinsure, alongside quotes from the other insurers on this page.
Quick overview
| Feature | Details |
|---|---|
| Insurer | Orient Insurance PJSC (also searched as Arab Orient Insurance) |
| Established | 1982 |
| Financial strength | AM Best Financial Strength Rating A (Excellent), Long-Term Issuer Credit Rating "a+", outlook stable, affirmed 8 July 2026 |
| Available plans | Comprehensive and third-party car insurance |
| Payment options | Tabby, Tamara, card payments |
| Available online | Yes, through Lookinsure and the insurer's own website |
| Best for | Drivers comparing coverage depth, not only the cheapest premium |
| Coverage availability | Dubai, Abu Dhabi, Sharjah, Ajman, Fujairah, Ras Al Khaimah, Umm Al Quwain |
Orient, Oriental or Orient Takaful — which one are you looking at?
Three similarly named insurers operate in the UAE motor market, and searches confuse them constantly. This page covers Orient Insurance PJSC only. If your existing policy or renewal notice says Oriental, you are with a different underwriter and should compare Oriental car insurance instead. Orient Takaful is a separate Sharia-compliant entity covered further down this page.
Is Orient car insurance right for you?
Choose Orient if you want a financially strong insurer with convenience benefits built into the base comprehensive plan, and you are willing to pay above the cheapest quote for them. Choose elsewhere if premium is your only decision criterion — Orient was the most expensive comprehensive quote in the comparison further down this page.
Orient may suit you if you want:
| What you want | Why Orient may be relevant |
| A financially strong insurer | AM Best affirmed Orient at A (Excellent) with a stable outlook on 8 July 2026 |
| Comprehensive protection beyond basic own-damage cover | Motor Plus plans bundle benefits other insurers sell as paid add-ons |
| Protection against storm and flood-related risks | Natural calamities are listed as an included benefit on comprehensive plans |
| An Oman driving extension | Available on selected comprehensive plans, for damage to the insured vehicle |
| Off-road protection for 4WD vehicles | Included on eligible Motor Plus policies — see 4x4 car insurance for how this cover works |
| Breakdown support without an extra charge | Roadside assistance cover is included rather than optional |
Orient comprehensive vs third-party car insurance
Take comprehensive if your car is financed, under roughly five years old, or worth more than AED 30,000 to replace — third-party pays nothing towards your own vehicle. Take third-party only if the car's market value is low enough that you would absorb a total loss yourself.
| Feature | Orient comprehensive car insurance | Orient third-party car insurance |
|---|---|---|
| Loss and damage to insured vehicle | Included | Not covered |
| Third-party death and bodily injury | Included (unlimited TPL limit) | Included (unlimited TPL limit) |
| Third-party property damage | Up to AED 3,500,000 | Up to AED 2,000,000 |
| Personal accident cover — driver | Optional add-on | Not available |
| Personal accident cover — passengers | Optional add-on | Not available |
| Agency repair | Available on selected plans, subject to vehicle age | Not available |
| Roadside assistance | Included | Not covered |
| Off-road cover (4WD) | Included | Not covered |
| Windscreen damage excess waiver | Included | Not covered |
| Natural calamities cover | Included on Motor Plus comprehensive plans | Not covered |
| Emergency medical expenses | Up to AED 3,500 | Not covered |
| Personal injury cover (insured and spouse) | Up to AED 20,000 | Not covered |
| Motor garage and valet parking | Included | Not covered |
| Taxi fare benefit | Up to AED 350 | Not covered |
| Geographical area — UAE and Oman (damage to insured vehicle) | Included on selected plans | Not covered |
| Best for | Drivers seeking broader protection and added benefits | Drivers who need the legal minimum at the lowest premium |
If you are still weighing the two cover types generally rather than for Orient specifically, our guides to comprehensive car insurance and third-party car insurance set out what each one legally has to include in the UAE.
Orient vs Sukoon vs Methaq: third-party motor insurance prices
Orient's third-party premium was AED 1,120 when these quotes were pulled, and it buys the narrowest benefit set of the three. Sukoon costs less and includes personal accident cover, ambulance services and roadside assistance that Orient's third-party plan does not.
Read the vehicle column before reading the price column. These are three separate live quotes on two different vehicles, not a like-for-like comparison on one car — a third-party premium moves with vehicle value, driver age and claims history, so treat the figures as a benefits comparison with indicative pricing attached.
| Comparison point | Orient | Sukoon | Methaq |
|---|---|---|---|
| Vehicle quoted | 2024 GMC Sierra | 2025 Mazda CX-90 | 2025 Mazda CX-90 |
| Basic premium (verified August 2026) | AED 1,120 | AED 830 | AED 1,050 |
| Third-party bodily injury or death | Unlimited | UAE court limits | Unlimited |
| Third-party property damage | AED 2,000,000 | AED 2,000,000 | AED 2,000,000 |
| Personal accident benefit — driver | Not covered | Up to AED 200,000 | Not specified |
| Personal accident benefit — passenger | Not covered | Up to AED 200,000 | Not specified |
| Ambulance services | Not included | AED 6,770 | AED 6,770 |
| Roadside assistance | Not included | Included | AAA roadside assistance included |
| Geographical area | UAE | UAE | UAE |
| Best fit | Drivers who want an unlimited bodily-injury limit from a mainstream insurer | Drivers who want stronger third-party benefits at a lower premium | Drivers who want Takaful positioning plus roadside support |
On benefits alone, Sukoon car insurance is the stronger third-party plan here, and Methaq car insurance sits between the two. Orient's advantage is the unlimited bodily-injury limit rather than the extras.
Orient vs Methaq vs Fidelity United: comprehensive motor insurance prices
Orient was the most expensive comprehensive quote of the three, at AED 2,463.72 against AED 1,600 for Fidelity United — a difference of AED 863.72 a year, or about 54% more. Whether that gap is worth paying depends on how many of Orient's bundled benefits you would otherwise buy as add-ons.
All three quotes are for the same vehicle: a 2024 Nissan Altima insured at AED 83,800. That puts the comprehensive premiums on this page between 1.9% and 2.9% of insured value — a useful sanity check when you compare any Orient insurance price list against a rival quote.
| Comparison point | Orient | Methaq | Fidelity United | How to read it |
|---|---|---|---|---|
| Basic premium (verified August 2026) | AED 2,463.72 | AED 1,667.62 | AED 1,600 | Compare the total premium before weighing the included benefits |
| Car value covered | AED 83,800 | AED 83,800 | AED 83,800 | Total loss or theft compensation value |
| Premium as % of insured value | 2.9% | 2.0% | 1.9% | The quickest way to sanity-check any UAE comprehensive quote |
| Repair type | Workshop repair | Workshop repair | Workshop repair | Network garages are usually cheaper than agency repair |
| Loss and damage to insured vehicle | Included | Included | Included | Core comprehensive protection for theft and accidents |
| Third-party bodily injury | Unlimited liability | Included | Included | Standard liability protection required under UAE law |
| Third-party property damage | Up to AED 3,500,000 | Up to AED 2,000,000 | Included | Orient carries the highest stated limit of the three |
| Roadside assistance | Included | AAA roadside assistance at extra charge | Optional Bronze, Gold and Gold Premium plans | Important for breakdown and emergency support |
| Natural calamities cover | Included | Not specified | Included | Covers floods, storms and similar risks |
| Windscreen cover | Included with no excess | Not specified | Included | Useful for common UAE road damage |
| Off-road cover | Included for 4x4 vehicles | Not specified | Not specified | Relevant for SUV and off-road drivers |
| Emergency medical or ambulance cover | Emergency medical expenses up to AED 3,500 | Ambulance and medical transport up to AED 6,770 | National ambulance included | Post-accident medical support |
| Personal accident cover — driver | Optional add-on | Optional add-on | Optional add-on | Covers driver injury or death after an accident |
| Personal accident cover — passengers | Optional add-on | Included for passengers | Optional add-on | Passenger-related protection |
| Personal belongings cover | Not specified | Not specified | Included | Covers theft or damage to belongings inside the vehicle |
| Replacement vehicle option | Optional, up to 14 days | Optional sedan, up to 7 days | Optional, up to 10 days | Helps maintain mobility during repairs |
| Oman extension | UAE and Oman cover for damage to the insured vehicle | Not specified | Not specified | Useful for cross-border driving — see the Orange Card section below |
| Valet parking cover | Included | Not specified | Valet parking theft included | Useful for drivers who use valet services often |
| Best fit | Drivers who want the widest bundled benefit set | Drivers who want lower-cost comprehensive cover with passenger protection | Drivers who want affordability with practical everyday protections |
Fidelity United car insurance was the cheapest comprehensive quote of the three when these figures were verified in August 2026. Premiums move with vehicle value, driver age, claims history and renewal timing, so check what affects a car insurance premium in the UAE before assuming the same ranking applies to your car.
Which insurer should you choose: Orient, Sukoon, Methaq or Fidelity United?
Our Orient car insurance review comes down to a single trade-off: you are paying roughly AED 860 more a year than the cheapest comprehensive quote here, and in exchange you get the highest third-party property damage limit (AED 3,500,000), included roadside assistance, a windscreen excess waiver, off-road cover and an Oman extension without buying any of them as add-ons.
Pay it if you drive off-road, cross into Oman, or would buy roadside assistance and windscreen cover anyway. Do not pay it if your car stays on Dubai and Abu Dhabi tarmac and you would decline every add-on — Fidelity United gives you the same core comprehensive protection for AED 863.72 less.
| Your priority | What to compare | Likely best fit |
|---|---|---|
| Lowest comprehensive premium | Base premium against included protections | Fidelity United, at AED 1,600 on the quotes above |
| Highest third-party property damage limit | Stated property damage ceiling on the comprehensive plan | Orient, at AED 3,500,000 against AED 2,000,000 for Methaq |
| Everyday convenience features | Roadside assistance, valet parking, replacement vehicle, windscreen benefits | Orient, which bundles rather than sells these separately |
| Cross-border driving | Oman extension and geographical coverage | Orient, the only one of the three with a stated Oman extension |
| Practical protection at lower cost | Balance between premium and included benefits | Methaq or Fidelity United |
| Off-road or SUV usage | Off-road cover availability | Orient, which includes it for eligible 4x4 vehicles |
| Passenger and family protection | Passenger accident benefits | Methaq, the only one including passenger cover as standard |
| Flood and storm protection | Natural calamity cover on the comprehensive plan | Orient or Fidelity United |
| Stronger third-party-only benefits | Personal accident, ambulance and roadside on a TPL plan | Sukoon, which includes all three where Orient includes none |
Premiums and benefit sets change between renewal cycles, so run your own vehicle through the quote engine rather than assuming these figures still hold. You can compare car insurance Dubai quotes online from Orient and the insurers above in one place.
Orient car insurance benefits that may justify the premium
Orient's case for a higher premium rests on what its Motor Plus comprehensive plans include as standard rather than on any single headline feature.
| Benefit | Why it matters |
| AM Best rating of A (Excellent) | Independent confirmation of the insurer's ability to pay claims, affirmed 8 July 2026 |
| Flood and storm protection | Relevant after the heavy-rainfall events UAE drivers have seen in recent years |
| Riot and strike protection | Extends cover beyond collision damage |
| Emergency medical expenses | Up to AED 3,500 of post-accident medical support |
| Windscreen excess waiver | You pay no deductible on a glass claim — the most frequent small claim on UAE roads |
| Roadside assistance | Included rather than charged as an add-on |
| Oman extension | Covers damage to your own vehicle across the border on selected plans |
| Off-road cover for 4WD vehicles | Standard exclusions on most UAE policies void off-road damage claims |
| Personal effects cover | Adds protection for belongings inside the vehicle |
| Valet parking cover | Covers damage or theft while the car is in valet custody |
Two of these are worth pricing individually before you decide. A standalone windscreen insurance cover add-on and separate car flood insurance both carry a cost with most insurers, so add what you would have paid for them to the cheaper quote before comparing it with Orient.
Weather damage is the benefit UAE drivers ask about most. Our guide to insurance for rain-damaged vehicles explains what a flood or storm claim actually requires, whichever insurer you end up with.
Orient Orange Card: driving to Oman and across the GCC
An Orient comprehensive policy's Oman extension covers damage to your own vehicle across the border. It does not, on its own, satisfy Oman's requirement for third-party liability cover — that is what the Orange Card is for.
The Orange Card is the unified motor insurance certificate recognised across GCC and Arab League states. It is issued separately from your UAE policy, is checked at the border, and is what lets a claim against you be settled locally in Oman. Ask Orient for it before you travel rather than at the crossing.
| Question | Answer |
| Does the Oman extension cover my own car? | Yes, on selected Orient comprehensive plans |
| Does it cover my liability to others in Oman? | Not by itself — you need an Orange Card |
| Is the Orange Card part of the premium? | Usually issued separately, on request |
| Does third-party car insurance include it? | No — the geographical area on a UAE third-party plan is the UAE only |
If you are planning the trip, our guide on how to get an Orange Card for Oman covers the documents, the cost and where to request it.
Orient Takaful vs Orient Insurance: which one is your policy?
They are two different underwriters. Orient Insurance PJSC writes conventional motor insurance; Orient Takaful is a Sharia-compliant takaful operator within the same group, and its motor products are contributed to and settled under takaful principles rather than a conventional insurance contract.
This matters at three points: the wording on your certificate, whether surplus is distributed back to participants, and where an Orient Takaful car insurance renewal notice should be sent. If your renewal document names Orient Takaful rather than Orient Insurance PJSC, quote the takaful entity when you request a comparison — the two are priced separately.
What is not covered under Orient car insurance?
Every UAE motor policy carries the exclusions set out in the Unified Motor Vehicle Insurance Policy, and Orient is no exception. The list below applies to comprehensive and third-party plans alike unless your schedule adds the cover back.
| Common exclusion | What it means |
|---|---|
| Accidents outside the UAE | Not covered unless the policy carries an approved geographical extension such as Oman, and an Orange Card for third-party liability |
| Floods, earthquakes and other natural disasters | Excluded under the standard policy wording. Orient's Motor Plus comprehensive plans list natural calamities as an included benefit, which overrides this exclusion — check that the benefit is named on your issued schedule before you rely on it |
| War and political disturbances | War, invasion, civil war, rebellion, revolution, riots, strikes, mutiny and civil unrest are excluded. Orient lists riot and strike protection as a Motor Plus benefit — again, confirm it appears on your schedule |
| Nuclear and radioactive risks | Damage from radioactive contamination, nuclear fuel or atomic explosion is never covered |
| Work-related injuries | Injury to the driver, employees or workers arising from work activity generally needs separate employer liability cover |
| Driver and passenger injury without an add-on | Personal accident protection applies only if the optional cover was purchased |
| Driving under the influence or without a valid licence | Excluded under the Unified Motor Vehicle Insurance Policy regardless of insurer |
Where a benefit and an exclusion appear to contradict each other, the issued policy schedule wins. Read it before you buy, not after a claim.
Documents required to buy Orient car insurance
You can complete an Orient purchase online in a few minutes if you have three documents ready: Emirates ID, driving licence and vehicle registration.
| Situation | Documents usually required |
| Existing or used car | Emirates ID, driving licence, vehicle registration (Mulkiya), previous insurance details if available |
| New car purchase | Emirates ID, driving licence, showroom quotation or vehicle details |
| Additional underwriting requirements | Vehicle photos, no-claims certificate, or supporting documents if requested |
The no-claims certificate is the one worth chasing early. It is issued by your previous insurer and can cut a renewal premium significantly — our guide to the no-claims bonus certificate explains how to request one and how long it stays valid.
How to buy Orient car insurance through Lookinsure
Buying Orient motor insurance through Lookinsure compares it against other insurers first, then completes issuance digitally.
Step 1
Enter vehicle and driver details
Lookinsure checks available insurance quotes
Step 2
Compare Orient with other insurers
Review premiums, coverage and benefits side by side
Step 3
Choose your preferred plan
Select comprehensive or third-party coverage
Step 4
Upload required documents
Complete underwriting requirements
Step 5
Pay online
Use card payment, Tabby or Tamara if eligible
Step 6
Receive your policy
Policy issuance follows successful payment and insurer approval
Coverage is available across all seven emirates. If you are registering the vehicle outside Dubai, our car insurance in Abu Dhabi page covers the differences in registration and inspection requirements.
Pay Orient car insurance in installments
Eligible customers can split an Orient premium into four payments at checkout, with the first paid on the day and three monthly installments after it.
| Policy price | First payment today | Remaining payments |
|---|---|---|
| AED 1,120 (2024 GMC Sierra, third-party) | AED 280 | 3 × AED 280 |
| AED 2,463.72 (2024 Nissan Altima, comprehensive) | AED 615.93 | 3 × AED 615.93 |
Choose car insurance with Tabby or car insurance with Tamara during checkout. Availability, approval and the installment schedule depend on checkout eligibility and the payment provider.
How Orient car insurance claims work
Get the police report first. No UAE motor claim, at Orient or anywhere else, proceeds without one, and repairing the car before the insurer authorises it is the most common reason a claim is reduced or rejected.
| Situation | What to do |
| You have comprehensive insurance | Obtain the police report, notify Orient, then follow the approved repair process |
| You have third-party insurance | Third-party damage is handled under the policy; damage to your own car is not covered |
| Another driver caused the accident | Use the police report and claim through the at-fault driver's insurer |
| You bought through Lookinsure | Lookinsure can guide you through the next steps |
Which Orient number to call
Orient runs separate lines for sales, claims and roadside assistance, and calling the wrong one is the usual cause of delay.
| You need | Contact |
|---|---|
| General customer care | 800 ORIENT (800 674368), toll-free |
| Orient insurance WhatsApp number | +971 800 674368 |
| Orient motor insurance contact number (head office) | +971 4 253 1300 |
| Written enquiries and claim documents | [email protected] |
Timelines, required forms and what happens after the assessment are the same across UAE insurers. Our walkthrough of a car accident insurance claim in the UAE covers the sequence in full.
Orient repair network: what to know before repair
Do not authorise any repair before Orient approves it. Repair routing, deductible and whether agency repair applies are all set by your issued policy, not by the garage.
| Common question | What to know |
| Can I choose any garage? | Repair routing depends on policy terms and insurer approval |
| Is agency repair available? | May be available depending on vehicle age and selected plan |
| Are repair benefits included in comprehensive plans? | Selected comprehensive plans include dealer or agency repair benefits |
| Should I repair the car before approval? | No. Follow the insurer's claim instructions first |
Orient insurance garage list in the UAE
| Garage name | Emirate | Address | Phone number |
|---|---|---|---|
| Advance Auto Repairing LLC | Dubai | 3 Street 17 – Al Quoz – Al Quoz Industrial Area 4 – Dubai | +971 4 220 0900 |
| Al Amana | Sharjah | St. No.10, Behind Geco Complex – Maleha St – Sharjah | +971 50 628 4727 |
| Hussain Al Hamadi Auto Maint | Sharjah | 8CC2+5J6 – Al Nahdha – Industrial Area – Sharjah | +971 6 538 5002 |
| Al Rali Garage | Ras Al Khaimah | Al Rali Garage, Al Qussaidat – Ras Al Khaimah | +971 50 647 4866 |
| Al Shaji Auto Repair Workshop | Fujairah | Al Hail Industrial – Fujairah | +971 55 254 8660 |
| Autozone Motors Workshop | Dubai | Umm Ramool – Dubai | +971 4 285 7121 |
| Bin Sandal Mechanical Station | Sharjah | 8JRV+Q8W – Al Sajaa Industrial – Emirates Industrial City – Sharjah | +971 6 533 4247 |
| Bright Moon Auto Repair Workshop L.L.C. | Abu Dhabi | Musaffah – M-17 – Abu Dhabi | +971 2 443 5777 |
| Hatta Auto Workshop | Sharjah | Al Nahdha – Industrial Area – Sharjah | +971 50 818 3978 |
| Royal Truck Workshop L.L.C | Dubai | Ras Al Khor Industrial Area – Ras Al Khor Industrial Area 2 – Dubai | +971 4 333 7032 |
Approved garages differ by insurer, so a workshop that handles Orient claims will not necessarily handle another insurer's. Our full UAE insurance garage list covers the approved networks across providers.
Orient insurance contact information
The Orient insurance hotline is 800 ORIENT (800 674368), toll-free within the UAE. The same number answers on WhatsApp at +971 800 674368, written enquiries go to [email protected], and the Dubai head office switchboard is +971 4 253 1300. Use the claims table above to pick the right line before you call.
Head office (Dubai)
Orient Insurance Company PJSC
Orient Building, Al Badia Business Park
Dubai Festival City, P.O. Box 27966, UAE
Tel: +971 4 253 1300
Fax: +971 4 253 1500
How to renew Orient car insurance online with Lookinsure
An Orient insurance renewal takes five steps on Lookinsure, and renewing through a comparison rather than accepting the notice means you see whether the price is still competitive before you pay it.
- Visit the Lookinsure homepage
- Click "Get quote"
- Choose "Renew"
- Enter vehicle information by chassis number or manually
- Compare quotes and take your pick
Renewal is also the moment your no-claims record is worth the most. If you would rather see the whole market before you renew online, start by choosing to buy car insurance online in the UAE and filter to Orient from there.
Frequently asked questions
Orient Insurance PJSC is a Dubai-based insurer established in 1982 and part of the Al-Futtaim Group. It offers comprehensive and third-party motor insurance across all seven emirates. AM Best affirmed its Financial Strength Rating at A (Excellent) with a stable outlook on 8 July 2026, and its comprehensive Motor Plus plans bundle roadside assistance, windscreen and off-road cover.
Orient quoted AED 2,463.72 for comprehensive cover on a 2024 Nissan Altima insured at AED 83,800, and AED 1,120 for third-party cover on a 2024 GMC Sierra, verified in August 2026. Comprehensive premiums in the UAE generally run between 1.9% and 2.9% of the insured value, so use that band to sanity-check any quote you receive.
Get the police report first, then notify Orient before any repair begins. Call the toll-free line on 800 ORIENT (800 674368) or the head office on +971 4 253 1300, and send supporting documents to [email protected]. Repairing the vehicle before Orient authorises the work is the most common reason a UAE motor claim is reduced or rejected.
Selected Orient comprehensive plans extend to Oman for damage to your own vehicle. That extension does not cover your liability to other people in Oman — for that you need an Orange Card, the unified motor certificate recognised across GCC and Arab League states. Request it from Orient before you travel rather than at the border crossing.
No. Orient Insurance PJSC writes conventional motor insurance, while Orient Takaful is a separate Sharia-compliant operator within the same group. Their motor products are priced and settled separately. Check which entity your certificate or renewal notice names, and quote that entity when you ask for a comparison, because the two do not share pricing.
Open the Lookinsure homepage, click "Get quote", choose "Renew", then enter your vehicle details by chassis number or manually and compare the available quotes. Renewing through a comparison rather than accepting the renewal notice shows whether Orient is still competitive for your car before you pay, and lets you apply your no-claims discount.
Orient Insurance can be reached on WhatsApp at +971 800 674368. The same number works as the toll-free voice line, 800 ORIENT (800 674368), for general customer care. The Dubai head office line is +971 4 253 1300, and written enquiries or claim documents go to [email protected].
Orient's approved network includes Advance Auto Repairing and Autozone Motors in Dubai, Al Amana and Hussain Al Hamadi in Sharjah, Bright Moon in Abu Dhabi, Al Rali Garage in Ras Al Khaimah and Al Shaji in Fujairah. Approved networks differ by insurer, so confirm the garage handles Orient claims before booking any repair.
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