Methaq
TPL
Features and Benefits
Chosen by +12,000 people
24/7 Roadside assistance
Starting From
AED
600AED
150monthly in 4 payments
QIC 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
QIC car insurance is motor cover sold in the UAE by QIC Insured, the UAE arm of Qatar Insurance Company, which has underwritten policies here since 1968 from branches in Dubai and Abu Dhabi. It is a UAE-licensed insurer regulated by the Central Bank of the UAE, and its UAE policies are issued under the Unified Motor Vehicle Insurance Policy — not from Qatar.
You can compare car insurance quotes from UAE insurers on Lookinsure and buy a QIC policy in a few minutes, with the option to spread the premium across four interest-free payments.
QIC car insurance at a glance
The essentials, verified against QIC's UAE site.
Insurer
QIC Insured — the UAE operation of Qatar Insurance Company (QIC)
Operating in the UAE since
1968
Regulator
Central Bank of the UAE
Cover types
Comprehensive and third-party liability (TPL)
UAE branches
Dubai (Dubai Hills) and Abu Dhabi (Al Markaziyah West)
Official UAE website
qicuae.com — call centre 800 4742
What is QIC car insurance?
QIC car insurance is a UAE motor policy underwritten by Qatar Insurance Company's UAE branch, available as either comprehensive cover or the third-party liability cover the law requires. Both are sold to UAE-registered vehicles, priced in dirhams, and claimed through UAE workshops.
QIC UAE and QIC Qatar are not the same policy
This matters more than it sounds. Qatar Insurance Company operates separately in each market, and a policy bought from the Qatar business does not cover a UAE-registered car. If you are insuring a car with UAE plates, you need the UAE entity — QIC Insured at qicuae.com, not qic.online. Everything on this page describes the UAE product: UAE plans, UAE limits in dirhams, UAE branches and the UAE claims process.
QIC comprehensive car insurance: what is covered and what is not
QIC comprehensive insurance pays for damage to your own car as well as damage you cause to other people, which is the whole reason to buy it over the legal minimum. Cover extends to fire, theft, natural events such as the flooding the UAE saw in 2024, and civil disturbance.
The limit on your own vehicle is its insured declared value (IDV) — the figure agreed when the policy is written, not what you paid for the car. Get that number wrong at renewal and you underinsure yourself for the whole year. The same principle applies across every comprehensive car insurance policy sold in the UAE.
| Covered | Not covered |
|---|---|
| Damage to your own vehicle and to third-party vehicles in an accident | Intentional or deliberate damage |
| Personal accident cover up to AED 200,000 for covered occupants | Damage to electrical or electronic equipment |
| Natural events including floods, earthquakes, hail and storms | Losses arising from war or war-like situations |
| Theft, up to the insured declared value (IDV) | Damage caused while racing or in speed events |
| Fire, strikes, riots and terrorism | Damage resulting from vehicle rollover |
The rollover exclusion catches people out, particularly on desert drives. It is one of several standard carve-outs worth reading before you need them — our guide to what car insurance does not cover walks through the rest.
QIC third-party car insurance (TPL) in the UAE
QIC third-party insurance is the legal minimum for driving in the UAE and covers only the harm you cause to others — never your own car. QIC's UAE site puts the third-party property damage limit on its TPL policy at AED 2,000,000, with death and bodily injury settled as per court verdict rather than against a fixed ceiling.
It is the cheapest route to a valid registration, and the right choice for an older, low-value car. For anything else, read the verdict below before defaulting to it. If you want to compare the market on price alone, our third-party car insurance page lists what UAE insurers charge.
| Covered | Not covered |
|---|---|
| Injuries caused to third parties in an accident | Any damage to your own vehicle |
| Third-party property damage, up to AED 2,000,000 | Intentional or deliberate damage |
| Legal liability for bodily injury and property loss | Damage to electrical or electronic equipment |
| The mandatory accident cover required under UAE law | Losses caused by war or civil unrest |
| Roadside assistance, as a paid add-on | Damage caused during racing, or vehicle rollover |
Comprehensive or third party: which QIC plan should you choose?
Choose comprehensive if your car is financed, still under manufacturer warranty, or worth more than roughly AED 30,000. Choose third-party liability only if the car is worth less than the extra premium would cost you over two or three years. A financed car effectively removes the choice — banks require comprehensive cover for the length of the loan.
Take comprehensive if
The car is financed, under warranty, newer than five years, or worth more than about AED 30,000 — and you would struggle to replace it out of pocket.
Take third-party liability if
The car is old, fully paid off, low in value, and you are comfortable absorbing the cost of repairing or replacing it yourself.
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| Property damage you cause to others | ✓ | ✓ |
| Damage you cause to other people's cars | ✓ | ✓ |
| Injury or death you cause to others | ✓ | ✓ |
| Damage to your car in an accident you caused | ✕ | ✓ |
| Damage to your car caused by another driver | ✕ | ✓ |
| Your car stolen | ✕ | ✓ |
| Fire damage to your car | ✕ | ✓ |
| Riot, vandalism and strike damage | ✕ | ✓ |
| Optional add-ons available | Limited | ✓ |
The trade-off is the same across the market, and the numbers behind it are set out in our comparison of comprehensive vs third-party cover.
QIC car insurance plans compared: Prestige Plus, Prestige and Platinum
QIC's UAE comprehensive cover is sold in tiers. The practical differences are agency repair eligibility, the third-party property damage limit and the level of roadside assistance — everything else is broadly the same across the three.
| Benefit | Prestige Plus | Prestige | Platinum |
|---|---|---|---|
| Driver personal accident cover | Up to AED 200,000 | Up to AED 200,000 | Up to AED 200,000 |
| Passenger personal accident cover | Up to AED 200,000 | Up to AED 200,000 | Up to AED 200,000 |
| Third-party property damage limit | AED 3.5 million | AED 3.5 million | AED 5 million |
| Fire and theft protection | Included | Included | Included |
| Natural disaster cover | Included | Included | Included |
| Personal injury benefit | AED 20,000 | AED 20,000 | AED 20,000 |
| Personal belongings | AED 5,000 | AED 5,000 | AED 5,000 |
| Emergency medical expenses | AED 3,500 | AED 3,500 | AED 7,000 |
| Off-road driving cover | Included | Included | Included |
| Agency repair eligibility | 2 years from first registration | 2 years from first registration | 3 years from first registration |
| Roadside assistance level | Silver | Silver | Gold |
Agency repair eligibility is the line that decides most upgrades. If your car is under three years old and still worth protecting at a manufacturer-approved workshop, the higher tier usually pays for itself on a single claim. The same logic drives the choice when insuring a high-value car in the UAE.
QIC car insurance price: what you will actually pay
Comprehensive motor premiums in the UAE typically run between 1.25% and 3% of the car's market value per year, so a car valued at AED 100,000 usually sits somewhere between AED 1,250 and AED 3,000. Third-party liability is priced from a regulated tariff instead, which is why TPL quotes barely move between insurers while comprehensive quotes vary widely.
What moves your QIC car insurance price:
- The car's declared value, age and repair cost — a Range Rover and a Corolla of the same value do not price the same.
- Your claims history. A clean record earns a no-claims bonus that compounds year on year.
- How long you have held a UAE licence, and your age.
- The tier you pick, and whether you add agency repairs.
- Add-ons — off-road cover, a replacement car and GCC extension each carry their own premium.
The only reliable way to know your number is to run your own details. Prices below are indicative of the market, not a QIC quote.
Add-ons you can buy with QIC car insurance
Add-ons are where a QIC motor insurance policy gets tailored. Each one raises the premium, so buy the two or three that match how you actually drive rather than the full list.
| Add-on | What it covers |
|---|---|
| 24/7 roadside assistance | Help if your car breaks down, at any hour and anywhere in the UAE — also available on TPL policies |
| Personal accident benefit | Compensation if you are injured in a car accident |
| Agency repairs | Repairs carried out at the manufacturer's authorised dealership |
| Replacement hire car | A temporary car while yours is being repaired |
| Riots, strikes, storms and floods | Protection against natural events and vandalism |
| Unidentified motorist damage | Cover when your car is hit by an unknown or hit-and-run driver |
| Off-road 360 | Accidents on all terrain, including sand and dunes |
| GCC extension | Comprehensive cover while driving in Oman and Kuwait |
| Zero depreciation | Worn parts replaced without a depreciation deduction |
QIC roadside assistance
QIC roadside assistance runs around the clock and is available on third-party policies as well as comprehensive ones, which is unusual — most UAE insurers restrict it to comprehensive. Higher plan tiers carry a higher service level, with towing distance, battery jump-starts, fuel delivery and desert recovery improving as you move up. If you want to compare what the market includes as standard, see roadside assistance cover.
The personal accident cover add-on is worth a second look if you regularly carry passengers, and drivers who take their car onto sand should price 4x4 and off-road car insurance properly rather than assuming a standard policy follows them off the tarmac.
Driving to Oman and the GCC on a QIC policy
A UAE motor policy does not automatically cover you across the border. Driving into Oman requires the GCC extension on your QIC policy plus an Orange Card, the GCC-wide insurance certificate that proves third-party cover to the authorities at the crossing. Arrange both before you travel — neither can be bought at the border.
Documents you need to buy QIC car insurance
Emirates ID
Front and back copy
UAE driving licence
Valid, not expired
Vehicle registration
The Mulkiya, front and back
No-claims certificate
From your previous insurer, if you are claiming a discount
Transfer of ownership
Used cars only — the document showing the car is now in your name
How to buy or renew QIC car insurance online
QIC car insurance renewal takes minutes on Lookinsure, and you do not need to be with QIC already to switch to it.
Step 1
Open the quote form
Go to the Lookinsure homepage and select Get Quote.
Step 2
Choose Renew
Pick Renew as your first option, then enter your vehicle and licence details.
Step 3
Compare the quotes
See QIC's price alongside other UAE insurers for the same car and cover level.
Step 4
Pay and get the policy
Pay in full or in four instalments. The policy document is issued immediately.
Paying for QIC car insurance in installments with Tabby or Tamara
QIC premiums can be split into four interest-free payments instead of paid upfront. With car insurance with Tabby, the amount is divided evenly at 0% interest with no added fees. Car insurance with Tamara offers the same four-payment structure through its own checkout. Both sit alongside the other ways to pay for car insurance in instalments on Lookinsure.
When does cover start if you pay in instalments?
Immediately. Choosing instalments does not delay anything — your QIC cover begins the moment the policy is issued, exactly as it would if you had paid the full premium upfront. The remaining payments are collected on schedule by Tabby or Tamara, not by the insurer.
How to make a QIC car insurance claim
Report the accident to QIC as soon as you can, and get a police report before the car is moved — without it a UAE motor claim will not proceed.
Step 1
Call the police from the scene
Get the police report. It is the document every other stage depends on.
Step 2
Notify QIC
Contact QIC on 800 4742 or through qicuae.com and report the accident.
Step 3
Submit your documents
File online or at the Dubai or Abu Dhabi branch with the papers listed below.
Step 4
Vehicle inspection
QIC arranges an inspection at one of its approved workshops.
Step 5
Repair or settlement
Once assessed, QIC authorises the repair or pays the settlement.
Documents you will need for a QIC claim
Police report reference
The number issued at the scene
Driver's Emirates ID and licence
For whoever was driving at the time
Vehicle registration card
The Mulkiya for the insured car
Some claim types need more than the core set:
| Claim type | Additional requirements |
|---|---|
| Theft | Police FIR report and the original keys |
| Major accident | Repair estimates and witness contact details |
| Natural event | National Center of Meteorology weather bulletin for the date |
| High-value vehicle | Showroom purchase invoice |
Where QIC repairs your car
QIC settles repairs through a network of approved garages across all seven emirates, from Al Quoz and Umm Ramool in Dubai to Mussafah in Abu Dhabi and the industrial areas of Sharjah, Fujairah and Ras Al Khaimah. Taking your car anywhere else usually means paying first and claiming back, if the claim is accepted at all.
The full workshop directory, with addresses and phone numbers for each location, is kept up to date in our QIC approved garage list in the UAE.
Cancelling a QIC policy and claiming a refund
You can cancel a QIC motor policy mid-term, and you are refunded for the unused portion of the year — but not pro rata. UAE insurers apply a short-period scale, so cancelling six months into a twelve-month policy returns noticeably less than half the premium. A claim made during the policy year normally removes the refund entirely.
Selling the car is the most common reason people cancel, and there are two routes: cancel and take the refund, or transfer car insurance to a new owner as part of the sale. A QIC car insurance transfer needs the insurer's sign-off and the buyer's documents, so start it before the ownership changes hands rather than after. Which route leaves you better off depends on how much of the year is left — our breakdown of cancellation and refund rules sets out the scale.
Excess, total loss and vehicle age: the limits worth knowing
Excess. Every comprehensive policy carries a deductible you pay on each own-damage claim, whatever the repair costs. It is stated on your policy schedule. A lower premium often just means a higher excess, so compare the two together.
Total loss. If repair costs approach the car's insured value, the insurer declares it a total loss and pays the IDV rather than repairing it. This is why the declared value you agree at renewal matters — it is the cheque you receive, not a starting point for negotiation.
Vehicle age. Comprehensive cover gets harder to buy as a car ages, and UAE insurers commonly stop offering it somewhere between seven and ten years from first registration. Past that point, third-party liability is generally what remains available.
QIC in the UAE: branches, working hours and contact details
QIC operates two UAE branches. The call centre number is the same for both: 800 4742. QIC working hours are Monday to Friday, 8:00 AM to 4:30 PM, with both offices closed on Saturday and Sunday.
Qatar Insurance Company Dubai branch
Address
Business Park Building 4, 5th floor, Dubai Hills (next to Dubai Hills Mall), Al Khail Road, Dubai
Working hours
Monday to Friday, 8:00 AM – 4:30 PM. Closed Saturday and Sunday.
QIC contact number
800 4742
Website
qicuae.com
Qatar Insurance Company Abu Dhabi branch
Address
The Landmark, 13th floor, 116 Khadim Bin Butti Al Hamed Street, Al Hisn, Al Markaziyah West, Abu Dhabi
Working hours
Monday to Friday, 8:00 AM – 4:30 PM. Closed Saturday and Sunday.
QIC contact number
800 4742
Website
qicuae.com
QIC insurance in Dubai is administered from the Dubai Hills office, and drivers registered in the capital can also compare the wider market for car insurance in Abu Dhabi before renewing.
Does QIC cover Sharjah and the northern emirates?
Yes. A QIC policy covers a car registered anywhere in the UAE, and the approved garage network includes workshops in Sharjah, Fujairah and Ras Al Khaimah. QIC has no walk-in branch outside Dubai and Abu Dhabi, so northern-emirates customers deal with the company by phone, online, or through a broker. If a local office matters to you, it is worth comparing insurers with a physical presence when you shop for car insurance in Sharjah.
Is QIC car insurance any good?
QIC is a reasonable choice for drivers who want a large, long-established insurer and a wide garage network, and a poor choice for anyone who wants a branch to walk into outside Dubai and Abu Dhabi. Nearly six decades in the UAE market and group-level financial strength count for something on a claim; two offices for seven emirates does not.
What most QIC car insurance reviews skip is the tier question. The gap between the plans is narrower than the marketing suggests — the meaningful differences are agency repair eligibility, the third-party property limit and roadside assistance level. If your car is more than three years old, the top tier buys you very little, and the money is better spent on a targeted add-on.
Frequently asked questions
QIC car insurance is a UAE motor policy underwritten by Qatar Insurance Company's UAE branch, QIC Insured. It is sold as either comprehensive cover or the mandatory third-party liability cover, applies to UAE-registered vehicles only, and is regulated by the Central Bank of the UAE. QIC has operated in the UAE since 1968.
Yes, for most drivers. QIC has underwritten UAE motor policies since 1968, holds a group-level financial strength rating, and runs an approved garage network across all seven emirates. Its main limitation is physical reach: with branches only in Dubai and Abu Dhabi, everything outside those two emirates is handled remotely.
Comprehensive premiums in the UAE generally fall between 1.25% and 3% of the car's market value per year, so a AED 100,000 car typically costs AED 1,250 to AED 3,000 to insure. Third-party liability is priced from a regulated tariff and costs far less. Your claims history, licence age and chosen add-ons all move the final figure.
Open the quote form on the Lookinsure homepage, select Renew, and enter your vehicle and licence details. You will see QIC's renewal price next to quotes from other UAE insurers for the same cover. Pay in full or across four instalments, and the policy document is issued immediately.
Call the police from the accident scene and get the report reference before the car is moved. Notify QIC on 800 4742 or through qicuae.com, then submit the police report, your Emirates ID, driving licence and vehicle registration. QIC arranges an inspection at an approved workshop and authorises the repair or settlement.
Yes. QIC premiums can be split into four interest-free payments through Tabby or Tamara when you buy on Lookinsure, with no added fees. Your cover starts the moment the policy is issued, exactly as it would with an upfront payment. The remaining instalments are collected by Tabby or Tamara, not by QIC.
Usually yes, with the insurer's approval, though most sellers cancel instead and take the refund. A transfer needs the sale agreement, the new owner's Emirates ID and licence, and the updated registration card. Whether transferring or cancelling leaves you better off depends on how many months of the policy year remain.
QIC's UAE call centre number is 800 4742, and it serves both the Dubai and Abu Dhabi branches. QIC working hours are Monday to Friday, 8:00 AM to 4:30 PM, with both offices closed on Saturday and Sunday. Policies and claims can also be handled online at qicuae.com at any time.
Yes. Every comprehensive policy carries a deductible you pay on each own-damage claim, regardless of the repair cost, and the amount is set out on your policy schedule. Third-party claims made against you do not carry an excess. A cheaper premium often means a higher excess, so compare both figures together.
Comprehensive cover becomes harder to obtain as a car ages, and UAE insurers commonly stop offering it between seven and ten years from first registration. Third-party liability generally remains available beyond that point. Confirm the exact cut-off with QIC before renewing, as it varies by vehicle type and condition.
Experience of 45K+ Customers with Lookinsure
Abu Dhabi
Sharjah
Umm Al Quwin
Dubai